STATE LEVEL BANKERS COMMITTEE, ODISHA · Phone: 0674-2533002 , 2531152, 2392553. Fax: 0674-2532890...

STATE LEVEL BANKERS COMMITTEE, ODISHA

यकूो बकं, स्कि ल कायािलय, यकूो बकं भवन, ततृीय तल , सी-2, अशोक नगर, भुवनेवर – 751009 UCO Bank, Circle Office, UCO Bank Building, 3rd Floor, C-2, Ashok Nagar, Bhubaneswar – 751009

Phone: 0674-2533002, 2531152, 2392553. Fax: 0674-2532890 E-mail: [email protected]

संद्भ स/ंLt No-SLBC/ODI/856/2016-17 ददन ंक / Date: 15.02.2017 To

ा् ् ंक स म म , ड़ ा क ् All the Members of State Level Bankers’ Committee, Odisha

ो / ो ा Sir/Madam,

मि : द ांक 01 ा्स 2017 को ो िाल 146िं ए .एल. . . क का स ् ो एिं ठ म र । Sub: Agenda Note & Background Papers for 146th SLBC Meeting

to be held on 1st March 2017.

ा र ं् ा ए एल /ओ /831/2016-17 द ांक 06.02.2017 क र ं , का स ् ो एिं ठ म र क मि र िलोक एिं द ांक 01 ा्स 2017 को क िं , ि व क दर् ल ल ं ो िाल 146िं

ए .एल. . . क ं ामि ा ंलमि क ं।

Further to our Letter No. SLBC/ODI/831/2016-17 dated 06.02.2017; we are enclosing herewith

the Agenda Notes and Background Papers for your kind perusal and participation in the

146th SLBC Meeting to be held on 1st March 2017 at Crystal Hall of Mayfair Convention,

Bhubaneswar as per the details below:

द ांक / Date : 01.03.2017 ( िा / Wednesday) / Time : 10:30 AM

् ा / Venue : दर् ल ल ( म ्ल ंमिल), क िं , ो ल , ि व

Crystal Hall (Ground Floor) in Mayfair Convention, Hotel Mayfair, Bhubaneswar.

म ि क ंदक क ं ि् ाि लं ा ा् की रिम एिं मिका ु ् झाि ं ि् िि क ाएं ।

We would request you to kindly make it convenient to attend the Meeting and give your

valuable suggestions for growth and development of the State.

ा / With regards, ि / Yours faithfully,

( म ल क ा / Anil Kumar) ार ं क, को ंक, ि ं ोिक, ए .एल. . ., ड़ ा

General Manager, UCO Bank cum

Convener, SLBC, Odisha लिक Enclo: ोत As stated above

C O N T E N T S Sl

No Particulars

Page

No

1 Banking at a glance in Odisha as on 31st December 2016 1

2 Confirmation of Proceedings of 145th

SLBC Meeting 3

3 Action Taken Report of 145th

SLBC Meeting 3

4 Fresh Issues 16

5 Branch & ATM Network 16

6 Banking Key Indicators 18

7 Achievement of Annual Credit Plan2016-17 under Priority Sector 20

8 NPA & Overdue position as on 31st December 2016 22

9 Finance to Agriculture Sector 25

10 Finance to MSME Sector 29

11 RSETI Issues 31

12 Finance to Handicrafts Sector 32

13 Finance to Self Help Groups 33

14 Progress under Govt. Sponsored Programmes 34

15 Finance to Weaver Sector 38

16 Finance under Education Loan 39

17 Finance under Housing Loan 39

18 CGTMSE Scheme 40

19 Implementation of Prime Minister’s New- 15 Point Programme 41

20 Disposal of loan applications under various Govt. schemes 42

21 Grant assistance under FIF & D FLAP 42

22 Schemes Announced by Hon’ble Prime Minister on 31st Dec 2016 42

23 Conduct of Financial Literacy Camps by Rural Branches 43

24 Selection Criteria for Banks for handling Govt. business 43

25 Calendar of Programme for conducting SLBC Meetings 44

26 Coir Board Issues 44

Annexures Particulars Page No

1 Bank wise progress under Roadmap for providing Banking Services 46-47

2 Bank wise performance under PMJDY 48-49

3 Bank wise District wise BSBDA 50-51

4 Enrollment status of PMSBY, PMJJBY & APY 52-52

5 Claim Settlement Status of Social Security Schemes 53-53

6 Pradhan Mantri MUDRA Yojana (PMMY) Performance 54-56

7 Status of Direct Benefit Transfer to LPG Consumers 57-57

8 Status of Aadhaar Generation. 58-58

9 PMFBY Acknowledgement Receipt 59-59

10 Bank wise District wise Branch Network 60-61

11 Bank wise District wise Branch Opened Report 62-63

12 ATM Network in Odisha 64-65

13 Branch & ATM Network in rural centres 66-66

14 Key Indicators 67-68

15 Area wise CD Ratio 69-70

16 Annual Credit Plan (A.C.P) 2016-17 71-76

17 Scheme wise NPA,Overdue & Recovery Position 77-84

18 Particulars of cases filed under OPDR Act and OACOMP Act. 85-87

19 SARFAESI Cases pending with District Magistrate 88-89

20 Finance under Agriculture 90-90

21 Finance under KCC 91-91

22 Finance under Allied Agriculture 92-92

23 Credit flow to MSME 93-96

24 Stand Up India Report 97-97

25 Performance of RSETIs in Odisha as on 31.12.2016 98-100

26 Performanc under M.T.U.H.I & S.U.Y 101-101

27 Finance under Self Help Group 102-102

28 Resolution of OLM as Corporate BC Agents 103-106

29 Performance under PMEGP 107-108

30 Performance under NULM 109-109

31 Finance under SC / ST Sector 110-111

32 Finance under Joint Liabilty Group 112-112

33 Finance under Artisan Credit Card 113-113

34 Finance under Swarozgar Credit Card 114-114

35 Finance under Weaver Credit Card 115-115

36 Finance under Education loan 116-116

37 Performance under Kalinga Sikhya Sathi Yojana 117-117

38 Finance under Housing Loan 118-118

39 Credit Facility under CGTMSE 119-119

40 Credit facility to Minority Community 120-120

41 Disposal of loan applications under various sectors 121-128

42 Eligibility Criteria for Banks for handling Govt Business 129-132

43 Calendar of SLBC Meetings for Calendar Year 2017 133-133

44 Subsidy allotted for Banks under CUY 134-134

45 Applications pnding under CUY 135-135

46 Staff Strength as on 31.12.2016 136-136

LIST OF ANNEXURES

1

BANKING AT A GLANCE IN ODISHA

AS ON 31st DECEMBER 2016

Sl No Particulars Amt in Crores

1 Total Deposit 2,49,017.23

2 Total Advance utilized in the state 1,58,879.50

Total Advance sanctioned and utilized in the state 1,16,256.72

3 Total Business (Deposit + Advance) 4,07,896.73

4 Credit Deposit (CD) Ratio (%) Benchmark- 60% ----------- 63.80

5

Credit Deposit Ratio excluding advance sanctioned in other

state and utilized in our state 46.69

CD Ratio of Rural Branches 58.03

CD Ratio of Semi Urban Branches 43.57

CD Ratio of Urban Branches 42.28

6 Total PS Advance 77366.16

% of PS Advance to ANBC Benchmark - 40% 66.55

7

Agriculture Advance 40,149.83

% of Agriculture Advance to ANBC

Benchmark - 18%

Of which

Small & Marginal Farmers (Benchmark - 8% of ANBC)

34.54

15.42

8 MSME Advance 27,777.80

% of MSME Advance to ANBC

Out of which, Micro Enterprises (Benchmark– 7.5 % of ANBC) 23.89

12.70

9

Advance to Weaker Section 21,728.97

% of Advance to weaker section to PS Adv.

Benchmark – 25% 28.09

10 Education Loan B/o 2380.02

11 Housing Loan B/o 10575.29

12 Export Credit B/o 430.83

13 Total DRI Advance 213.93

14 Total Advance to Minority community 2725.78

% of Advance to Minority community of Total Priority Sector

(Norm 15 % of Priority Sector) 3.52

15 Advance to Women 16337.26

% of Advance to Women(Benchmark – 5% on NBC) 14.05 16 Credit Investment to Deposit Ratio % 65.21

17

NPA in % (Average in the state) 11.95

Public Sector Banks 14.84

Private Sector Banks 00.75

RRBs 22.00

2

Cooperative Banks 07.03

18

Total No. of Branches 4991

a) Rural Branches 2728(54.66%)

b) Semi Urban Branches 1300(26.05%)

c) Urban Branches 963(19.29%)

19

Achievement under ACP 2016-17 vis-à-vis Annual Target under

priority sector in % 47.37

Agriculture 42.74

MSME 67.36

Export Credit 88.24

Education 14.53

Housing 31.85

Social Infrastructure 16.67

Renewable Energy 01.49

Others 36.99

20

Lead Districts : 30

a) SBI 19

b) UCO 7

c) BOI 2

d) Andhra Bank 2

21

RSETIs : 29

a) SBI 17

b) UCO 7

c) BOI 2

d) CBI 1

e) Andhra Bank 2

RUDSETI : Canara Bank & Syndicate Bank 1

22

FLCs 140

SBI 19

UCO Bank 7

Andhra Bank 2

Bank of India 2

a) Cooperative Banks 97

b) RRB 13

23

c) Staff Strength 34226

d) Officers 16406

e) Clerical Staff 11466

f) Sub- Staff 6354

24 g) Total Deposit Accounts 5,55,96,484

25 h) Total Advance Accounts 79,52,194

3

AGENDA NOTES OF 146th SLBC MEETING

AAGGEENNDDAA NNOO.. 1

Confirmation of Proceedings of 145th SLBC meeting held on 22.11.2016 at

Bhubaneswar.

The Proceedings of the 145th SLBC Meeting held on 22.11.2016 was circulated among

all the members of SLBC vide our letter No. SLBC/ODI/720/2016-17 dated 19.12.2016.

Since no comments have been received from any quarter, the same may please be

confirmed.


Action Taken Report on major decisions taken in 145th SLBC Meeting held on

22.11.2016.

1. Progress of Implementation of Financial Inclusion Plan in the State.

Provision of banking outlets in unbanked villages with population below 2000

As on 31.12.2016, Banks have covered 43311 villages constituting 94.38 % of the total

target. Out of these villages, 657 are covered through B & M Branches and rest by

branchless modes mainly through BC mode. Bank wise & District wise details are at

Annexure - 1.

The following banks have not covered 100% of their allotted villages.

Federal Bank, Dena Bank, Odisha Gramya Bank, Andhra Bank, Utkal Grameen Bank,

Axis Bank, Punjab National Bank, Syndicate Bank, State Bank of India & Central Bank

of India. They are requested to ensure 100 % achievement before 31st March, 2017.

2. Roadmap for opening of Brick & Mortar branches in villages having population

more than 5000 without a bank branch of a Scheduled Commercial Bank.

78 identified villages having population more than 5000 without a bank branch of a

scheduled commercial bank have been allotted by SLBC for opening of branches by

March 2017.

Status of branch opening in 78 villages with population more than 5000 as on

10.02.2017

1 Branch opened 2

2 Centres within 5 km radius of branch 13

3 BCs operating in Centres above 5 km radius 16

4 Head Office approval obtained 6

5 Head Office approval awaited 6

6 To be submitted to Head Office for approval of Branch opening 6

7 Survey done but found not feasible for branch opening 11

8 Realloted other banks, survey report is yet to receive 18

TOTAL 78

4

Due to certain reasons like RBI‘s PCA, proposed merger of few banks and miscellaneous reasons, the allotted banks were not in a position for branch opening at

those centers. As per advice of RBI, Bhubaneswar, SLBC has advised the respective

LDMs of the 18 identified villages to convey meeting with all the nodal officers of

Banks and reallot the villages to any other banks. After reallocation by LDM, the

concerned controlling heads of banks have been requested to ensure branch opening

by March. 2017.

Bank Service Expansion in LWE districts in the State

The Union Finance Ministry is focusing on the expansion of bank branches and

opening of post offices in the LWE districts. There are 19 LWE districts in the State of

Odisha, out of which the red rebels are mostly active in Malkangiri, Koraput,

Kalahandi and Bolangir district.

In view of the dominance of the Maoists in these districts, the Government is laying

emphasis on expansion of the bank branches in these districts. Major causes of slow

progress in branch opening in these districts are no/poor internet connectivity, poor

and unstable electricity connection, poor road connectivity and security threats.

Government of Odisha has raised the issue with Centre in this regard. However, all

the banks are requested to explore all possibilities to open brick and mortar branches

in their allotted unbanked Gram Panchayats on priority basis..

3. Branch opening in Unbanked Gram Panchayats as on 31.12.2016.

Year wise branches opened in unbanked gram panchayats is given below

Sl Name of the Bank 2014-15 2015-16 01.04.2016 to

31.12.2016

01.04.2014 to

31.12.2016

1 Allahabad Bank 5 2 1 8

2 Andhra Bank 6 3 1 10

3 Bank of Baroda 11 1 0 12

4 Bank of India 5 1 1 7

5 Bank of Maharashtra 0 0 0 0

6 Bhartiya Mahila Bank 0 0 0 0

7 Canara Bank 11 3 1 15

8 Central Bank of India 1 0 0 1

9 Corporation Bank 4 3 1 8

10 Dena Bank 5 0 0 5

11 IDBI Bank 6 5 1 12

12 Indian Bank 7 2 0 3

13 Indian Overseas Bank 2 0 0 1

14 OBC 5 3 1 9

15 Punjab & Sind Bank 0 0 0 0

16 Punjab National Bank 0 0 4 5

5

17 State Bank of B & J 0 0 0 0

18 State Bank of Hyderabad 1 0 0 2

19 State Bank of India 16 11 2 29

20 State Bank of Mysore 0 0 0 0

21 State Bank of Travancore 0 0 0 0

22 Syndicate Bank 1 2 1 4

23 UCO Bank 2 4 1 7

24 Union Bank of India 0 0 0 0

25 United Bank of India 0 0 0 0

26 Vijaya Bank 0 2 0 2

Total of Public Sector Banks 88 42 16 146

27 Axis Bank Ltd 0 0 0 0

28 Bandhan Bank 0 4 0 4

29 DCB 0 0 2 2

30 Federal Bank 5 0 0 5

31 HDFC Bank 15 7 2 24

32 ICICI Bank 3 3 0 6

33 IndusInd Bank 0 0 0 0

34 Karnataka Bank Ltd. 0 0 0 0

35 Karur Vysya Bank 0 0 0 0

39 Kotak Mahindra Bank Ltd 0 0 0 0

37 Laxmi Vilas Bank 0 1 0 1

38 South Indian Bank Ltd 0 0 0 0

39 Yes Bank 0 0 0 0

Total of Private Sector Banks 23 15 4 42

40 Odisha Gramya Bank 8 7 0 15

41 Utkal Grameen Bank 6 5 0 11

Total of RRBs 14 12 0 26

Grand Total 125 69 20 214

The following Public Sector Banks have not opened a single brick & mortar branch

during the period 01.04.2016 to 31.12.2016.

Indian Overseas Bank, United Bank of India, Union Bank of India, Bank of

Maharashtra, Punjab & Sind Bank, State Bank of Hyderabad, State Bank of Mysore,

State Bank of Travancore

Both RRBs have also not opened any branch during this financial year.

6

Post Offices at a Glance in the State of Odisha

Sl.No Particulars As on 31.12.2016

1. Total number of Head Office 35

2. Total number of Sub-Post Office 1166

3. Total number of Branch Post Office (Equivalent to Fixed

Business Correspondent Fixed Location) 6974

4. Total number of ATM 44

5. Total number of Deposit accounts 208 lakh

Out of which, number of active accounts— 126 lakh Number of sleeping accounts – 82 lakh

6. No. of MGNREGA accounts for DBT 17.35 lakh

4. Implementation of Pradhan Mantri Jan Dhan Yojana (PMJDY)

PMJDY Accounts at a glance in Odisha as on 31.12.2016

Total No. of villages covered 47765

Total No. of Sub Service Area covered 6276

Total No. of Wards covered 1729

100% Saturation (Each household having minimum one

Saving Bank Deposit Account) 30 Districts

No of accounts opened from 16.08.2014 to 31.12.2016

121.01 lakhs

Rural –84.45 lakhs Urban -36.56 lakhs

No. of accounts opened with Zero balance 25.82 lakh

% of Zero balance accounts to total account opened 21.34

Total deposit balance under PMJDY accounts. 2609.95 crores

No. of RuPay Cards issued 87.42 lakh

No. RuPay Cards activated 66.61

No. of Aadhaar seeded accounts

% of Aadhaar seeding

61.77

51.05

No. of active BC Agents (Bank Mitra) 5256

Bank wise performance dated 31.12.2016 is available in Annexure –2 District wise performance dated 31.12.2016 is available in Annexure –3.

Pradhan Mantri Jan Dhan Yojana- Conversion of Small Accounts to Basic Savings Bank

Deposit Accounts (BSBDA).

Department of Financial Services MoF, GoI vide letter F.No.1/9/2014-FI(Pt.X) (C-

69241) dated 30th September,2016 informed that various Ministries/ Departments of

Government of India and some State Governments are facing problem in transfer of

benefits in certain schemes due to restrictions imposed (restrictions on withdrawal &

transfer of amount more than Rs. 10,000/- in a month & balance in the accounts to

7

not exceed Rs.50,000/- at any point of time, aggregate deposits not to be more than

Rs.1 lakh in a financial year) in the small accounts opened under PMJDY.

As per RBI guidelines, these small accounts would be valid normally for a further

period of twelve more months, if the account holder provides a document showing

that she / he applied for any of the officially valid document within twelve month of

opening the small account.

A large number of small bank accounts have been opened during the initial phase of

the campaign which can be converted to regular account by carrying out eKYC/KYC.

When such accounts holders come forward to use these accounts by way of deposit

and / or withdrawal, steps should be taken to carry out the e-KYC/KYC exercise and

simultaneously seed the accounts with their Aadhaar and mobile number as

appropriate.

In view of the above, it is requested to complete KYC of small accounts at the earliest

so that customers are not put to hardship due to restrictions imposed under ‗Small Account‘.

Performance by Commercial Banks under Social Security Schemes as on 10.01.2017

Name of Scheme No. of Enrollments in lakhs

PMSBY 35.09

PMJJBY 9.64

APY 1.55

Bank wise performance in the three Social Security Schemes is available at Annexure –4.

Insurance Claim Details under Social Security Schemes as on 31.12.2016

BANKS Claimed Settled Returned/Rejected Pending

RuPay Debit Card (Rs. 1,00,000/-)

TOTAL 9 3 - 6

PMJJBY (Rs. 2,00,000/-)

TOTAL 1288 1173 23 92

PMSBY (Rs. 2,00,000/-)

TOTAL 328 199 18 111

Life Insurance Coverage under PMJDY (Rs 30,000/-)

TOTAL 75 65 - 10

Bank wise details of Insurance Claim settlements made under various social security

schemes are available at Annexure – 5.

8

5. Progress of Pradhan Mantri MUDRA Yojana (PMMY) in Odisha for the period

01.04.2016 to 16.01.2017

Categories No. of

Accounts

Share in

%

Disbursed amount

(Crores)

Share in

%

Shishu 1693480 97.66 3204.35 75.62

Kishore 35625 2.05 669.56 15.80

Tarun 5012 0.29 363.79 8.58

Total 1734117 100.00 4237.70 100.00

Progress of Pradhan Mantri MUDRA Yojana (PMMY) in Odisha for the period

01.04.2016 to 16.01.2017 (Financial Institutions wise)

Financial Institutions No. of

Accounts

Share in

%

Disbursed

amount (Crores)

Share in

%

MFIs & NBFCs 1520877 87.70 2838.31 66.97

Public Sector Banks 96680 5.57 993.66 23.43

Private Sector Banks 102995 5.94 323.45 7.67

Regional Rural Banks 13562 0.79 82.02 1.93

Foreign Banks 3 0.00 0.26 0.00

Total 1734117 100.00 4237.70 100.00

Target for the year 2016-17 of Public Sector Banks and RRBs is Rs 2537.87 crores.

District wise performance under MUDRA as on 16.01.2017

District Account Amount (Cr) District Account Amount (Cr)

Khordha 111201 425.31 Koraput 55390 124.51

Ganjam 168281 395.66 Kalahandi 56178 116.56

Cuttack 145380 385.61 Dhenkanal 49124 109.33

Mayurbhanj 92264 229.85 Jharsuguda 32297 76.34

Puri 109329 219.7 Sonepur 32596 72.2

Balasore 90646 204.92 Rayagada 26545 64.56

Bhadrak 99155 201.26 Jagatsinghpur 14552 60.01

Sundargarh 69785 184.11 Nabarangpur 32544 59.59

Jajpur 66310 176.7 Boudh 25602 57.23

Bolangir 80726 166.8 Nuapada 14622 34.33

Angul 69523 159.32 Kendrapara 7355 33.46

Bargarh 74704 157.74 Gajapati 11133 30.29

Sambalpur 63457 152.69 Deogarh 8534 24.21

Keonjhar 53705 141.37 Kandhamal 3304 19.82

Nayagarh 62432 137.99 Malkangiri 7443 16.23

Bank wise, district wise & category wise report on PMMY is available at Annexure – 6. Target for the year 2016-17 of Public Sector Banks and RRBs is Rs 2537.87 crore.

9

Findings of the study undertaken by RBI, Bhubaneswar on PMMY

1. Branches were lagging behind in conducting periodical visits to the units financed

under PMMY.

2. Invoices / Bills were not obtained in 57% of cases, by the branches. In such cases, the

possibility of diversion / misutilization of funds cannot be ruled out.

3. Clear instances of gross misutilization / diversion of funds were observed in 3% of the

samples taken for the study.

4. Collateral Security / Third Party Guarantee was obtained in 12% of the samples

indicating violation of the RBI guidelines on collateral free loans upto Rs.10 lakh

extended to MSE sector.

5. Credit Guarantee Cover (CGC) under the scheme of CGTMSE or such other schemes

was obtained in 29% of sample cases which indicated that CGC was not availed in

larger proportion of PMMY samples studied.

6. Out of 383 cases of stress and 271 cases of NPA, restructuring / rehabilitation was

considered in 34 cases only. This indicated that the concerned branches were not

sensitive to resort to timely restructuring / rehabilitation process in regard to stressed /

NPA loans given under PMMY.

7. Out of the 1112 samples studied, where stock statements were required to be obtained

by the branch as per the terms of loan agreement, stock statement were not regularly

obtained in 364 samples, indicating lapses on the part of branches in post

disbursement monitoring of such loan accounts or end use of the funds.

Major discrepancies in credit appraisal system of the Banks:

In most of the cases, the credit appraisal was not done properly by the branches viz. the loans were released without realistic assessment of borrower‘s requirement, appraisal note was not signed by the sanctioning authority, the amount of loan

sanctioned was not mentioned in the appraisal note, etc.

Instances were observed where the quotation of machinery / other items to be purchased with the help of the MUDRA Loan or the invoices of machinery purchases,

etc. was not found on record. In certain cases, term loan were sanctioned to Kirana

shops and no fixed assets were created.

Pre-sanction visit reports were not found on record at certain branches. Instances of unrealistic repayment schedule have been reported. Some of the personal loans were classified as PMMY loans.

10

6. Demonetization

Effect of Demonetization on Banking Business in the State of Odisha

(Amount in Rs Crore)

Particulars 30.06.2016 30.09.2016 31.12.2016

Variation

between

30.06.2016 &

31.12.2016

Variation

between

30.06.2016 &

31.12.2016

Deposit 219482.54 231253.38 249017.23 + 29534.69 + 13.46%

Advance 172434.02 167534.26 158879.50 -13554.52 - 7.86%

Incentivizing Digital payment

Government of India has launched two schemes namely- Lucky Grahak Yojana (LGY)

for consumer Digi Dhan Vyapar Yojana(DDVY) for business unit. The schemes

envisage offering vast number of cash rewards to those consumers and merchants

who are doing digital transactions for expenditure and it entails giving away cash

awards on a daily basis. Awardees are to be identified through a random digital

method. National Payment Corporation of India (NPCI) has been designated as the

implementing agency for the draw and is responsible for maintaining the technical

integrity and security of the process.

The scheme has been drafted by Niti Aayog. As per the scheme, Niti Aayog has the

overall responsibility for carrying out promotional activities with respect to the

scheme, oversight of the scheme and coordination amongst various agencies that are

responsible for execution of the scheme.

NPCI is in possession of Transaction IDs for all inter-bank transaction (Off-US) through

RuPay Cards. However, intra Bank (ON-US) RuPay purchases /transactions and

Merchant Establishments (POS, Micro ATM, MPOs etc.) UPI and AEPS (cash

withdrawal) is available only with the respective banks. To draw the lot, it is

necessary.

Therefore all banks must take necessary action to share all such details of ON-US

purchase transactions of aforesaid products to NPCI latest by noon of the following

day of transaction. It may be specifically pointed out that non submission of relevant

data by the prescribed time will result in exclusion of the customer(s) and onus of such

situation will be on the Bank concerned.

The scheme is operational with the first draw on 25th December, 2016 (coinciding

with Christmas Day) leading up to 14th April, 2017 (coinciding with Babasaheb

Ambedkar Jayanti) with a Mega Draw. Secretary (IT) of the state is the Principal

coordinator for the draws in states.

Organizing Committees of Local Events:

The event will be organized by the District Collector, and coordinated by Secretary,

IT of the State as the Nodal Officer, under the supervision of Chief Secretary of

respective States. Advisor, NITI Aayog of the relevant State will provide all help and

11

assistance. The Committee will comprise the following functionaries. The interactive

responsibilities are listed out in the table below. However, the local state

administration will have the requisite flexibility to invite the cooperation of any

agency they deem suitable to make the event successful.

State Organizing Committee:

1. Chief Secretary

2. Secretary Finance

3. Secretary IT

4. District Collectors of all the cities in the list where function is being organized.

5. Convenor of the State Level Bankers‘ Committee (SLBC) 6. State Level Coordinator of the Oil Marketing Companies.

7. State Representative of the Fertilizer Companies nominated by the Department of

Fertilizers.

SLBC has already circulated the Standard Operating Procedure (SOP) for Digi Dhan

Events.

Banks are requested to undertake the following activities:

1. Registration of merchants for POS machines/sale of POS or AEPS devices.

2. Opening new bank accounts.

3. Registration/distribution of Debit cards/ Prepaid cards.

4. Seeding Aadhaar and mobile numbers with bank accounts.

5. Assistance and training in the installation / usage of AEPS, USSD, UPI apps and

bank e- wallets etc.

6. Involving Bank Mitrs in adequate number during the mela for the above

mentioned activities.

Cashless Transaction

Implementation of Demonetization requires educating all sections of society on the

advantage of a cashless economy as well as empowering them in the digital model of

financial transaction.

State Institute for Rural Development & Panchayati Raj Department, Government of

Odisha has organized two day State Level Training programme for the Trainers at

district level on Cashless Transactions. District MGNREGS coordinator, District

Programme Manager, OLM and a Bank representative nominated by Lead District

Manager are the participants, who will act as District Level Resource Person while

imparting training to block level officials.

The objective of the training programme are as follows:

1. To sensitize the participants on the use of digital transaction through generic mobile

phones with a simple SMS (*99#)

2. To educate the participants having Smart Phone on bank transactions through Unified

Payment Interface (UPI).

12

7. Direct Benefit Transfer for LPG (DBTL)

Progress on implementation DBTL in our State.

LPG and Bank Aadhaar Seeding Status as on 10.01.2017 (Annexure -7)

As reported by Odisha State Office, Indian Oil Bhavan, Bhubaneswar.

1. Total no of LPG distributors in the State – 572 2. No of LPG Consumers – 4187155 3. % of LPG Aadhaar Seeding– 80.42 4. % of Bank Aadhaar Seeding (ATC)– 57.49 5. % of Bank Account Seeding verified (BTC)– 32.72 6. % of Cash Transfer Compliant (CTC= ATC + BTC) – 90.22

8. Aadhaar Number Seeding

As reported by the UIDAI, Bhubaneswar (Annexure -8)

1. As on 16.01.2017; total population eligible for Aadhaar enrolment- 4,43,69,414.

2. Total Enrolment- 43158351

3. Enrolment % on population- 97.27

4. Aadhaar generated- 38144405 (85.97%)

5. Balance Aadhaar to be generated- 6225009

6. Aadhaar Rejection-6025786

Some banks are organizing Aadhaar enrollment camps at selected branches or nearby

public places keeping in view the convenience of the branch and public. Aadhaar

seeding into the bank accounts is the order of the day as Government attaches lot of

importance for the same. Therefore, it is requested to the member banks to ensure

seeding of Aadhaar number in all the accounts.

9. Bank wise & Scheme wise under various Schemes of Agriculture & Allied Sector

Interest Subvention & Subsidy (State Govt.) utilization as on 10.02.2017 (Figures in Rs)

Utilization during

the period Crop loan

Agriculture

Term Loan

Short Term

Fishery Loan

Term Loan

Fishery

Short Term

Dairy Loan

Long Term

Dairy Loan PDE

Up to 31.03.2014 35569575 669024 0 0 0 17532 60442382

From 01.04.2014

to 31.03.2015 336163136 12760597 400456 1116414 125822 1298792 102627927

From 01.04.2015

to 31.03.2016 431891401 55751089 1651076 2368697 2798731 8170487 111527248

From 01.04.2016

to 10.02.2017

86267507

48483497

488432

4186412

2414217

2099683

79814258

Total Utilization 889891619 117664207 2539964 7671523 5338770 11586494 354411815

Total fund

received from

Govt.

900000000 160000000 62147000 140819000 6998000 12626000 358896500

Balance 10108381

42335793

59607036

133147477

1659230

1039506

4484685

13

SLBC has requested to Registrar of Cooperative Societies to release a sum of Rs.40

crore towards Interest Subvention for crop loan in the current year (2016-17). SLBC is

yet to receive the required fund.

Claims of the following Banks are pending for release owing to non availability of

fund with us.

SL No. Name of Bank Amount of Claim

(Rs.)

Date of Claim received from

banks by Nodal Bank

1 State Bank of India 69228258

68847297

11.05.2016

02.11.2016

2 Utkal Grameen Bank 59360652

34129412

26.05.2016

23.12.2016

3 IDBI Bank 7223891 09.08.2016

4 Canara Bank 91134

7060364

25.08.2016

22.12.2016

5 Bank of India 326578 13.09.2016

6 Andhra Bank 13072224 03.10.2016

7 UCO Bank 1744060 31.10.2016

8 Allahabad Bank 2070981 15.12.2016

9 Central Bank of India 4406971 14.11.2016

10 Punjab National Bank 16201121 02.01.2017

11 Syndicate Bank 4145347 31.12.2016

Total 287908290

SLBC has already submitted utilization certificate for interest subvention as on

31.12.2016 to the concerned department.

Interest Subvention Scheme for Short Term Crop Loans during the year-2016-17 -

Grant of grace period of 60 days beyond due date.

1. In view of the constraints faced by farmers for timely repayment of loan dues on

account of withdrawal of legal tender status of Specified Banks Notes (SBNs), It has

been decided by the Government of India to provide an additional grace period of

60 days for prompt repayment incentive of 3 % to those farmers whose crop loan

dues are falling due between 1st November, 2016 and 31st December, 2016 if such

farmers repay the same within 60 days from the above period.

Banks may give adequate publicity to the above so that the farmers can avail the

benefits.

2. Banks may consider the above while submitting their one-time consolidated 3%

additional subvention claims pertaining to the disbursements made during the entire

year 2016-17.

14

10. Review on Banking Developments in Odisha in Key Indicators as on 31.12.2016

Parameters December

2015

December

2016

Variation

over

December

2015

% of

growth

No. of branches 4765 4991 226.00 4.74

Deposits 208753.59 249017.23 40263.64 19.29

Advances 150203.91 158879.50 8675.59 5.77

CD Ratio in % 71.95 63.80 -8.15

Credit Investments to Deposit Ratio 72.68 65.21 -7.47

Priority Sector Advances 66072.17 77366.16 11293.99 17.09

% of P S Advances to Total Advance 61.61 66.55 -4.65

Agriculture Advances 32796.73 40149.83 7353.10 22.42

% of Agri Advances to Total Advance 30.58 34.54 3.96

MSME Advance 25415.12 27777.80 2362.68 9.30

Education Loan 2309.86 2380.02 70.16 3.04

Housing Loan 9858.86 10575.29 716.43 7.27

Advance to Minority Communities 2650.55 2725.78 75.23 2.84

Advances to Weaker Sections 19523.21 21728.97 2205.76 11.30

% of Weaker Section Adv. to PS Adv 29.55 28.09

DRI Advances 99.45 213.93 114.38 115.01

Branch Network

As at the end of December 2016, the total number of Bank Branches in Odisha

increased to 4991. During the period 01.04.2016 to 31.12.2016, Banks have opened

102 new branches in the State. Out of which, Public Sector Banks and Private Sector

Banks have opened 70 & 32 branches respectively.

27, 32 and 43 branches have been opened in Urban, Semi-Urban and Rural centres

respectively.

Deposit Growth

Deposits of the Banks in the state have increased from Rs.208753.59 Crore as of

December 2015 to Rs. 249017.23 Crore as of December 2016, registering an increase

of Rs. 40263.64 Crore. The year on year incremental deposit growth is 19.29 %.

Credit Expansion

The total outstanding advances increased from Rs.150203.91 Crore as of December

2015 to Rs158879.50 Crore as of December 2016, registering an increase of Rs

8675.59 crore. The year on year incremental advance growth is 5.77%.

15

CD Ratio

The Credit Deposit Ratio of all Banks in the state decreased from 71.95 % as of

December 2015 to 63.80 % as of December 2016 for reduction in credit growth.

Overall CD ratio is above the benchmark of 60%.

Priority Sector Advances

The percentage of priority sector advances is 66.55 % as of December 2016 against

the national norm of 40 %.

Agriculture Advances

The aggregate of agriculture advances extended by Banks in Odisha have increased

from Rs.32796.73 Crore as of December 2015 to Rs. 40149.83 Crore as of Decemberr

2016, thus registering an increase of Rs. 7353.10 Crore in absolute terms and 22.42 in

percentage terms. The share of agricultural credit in total advances as of December

2016 is 34.54 % against the national norm of 18 %.

Micro, Small & Medium Enterprises (MSME)

The advances to MSME during the period under review have witnessed an increase

from Rs. 25415.12 Crore as at December 2015 to Rs.27777.80 Crore as at December

2016, thus registering an increase of Rs.2362.68 Crore in absolute terms and 9.30 in

percentage terms on year to year basis.

Education Loan

An increase of Rs. 70.16 crore in balance outstanding as on 31.12.2016 over

31.12.2015 under Educational Loan represents annual growth of 3.04 %.

Housing Loan

The housing loan balance outstanding has increased from Rs.9858.86 crore as on

31.12.2015 to Rs.10575.29 as on 31.12.2016 registering an increase of Rs.716.43 crore

in absolute terms. The incremental growth on year to year basis is 7.27 %.

Advances to Weaker Sections

The advances to Weaker Sections increased from Rs.19523.21 crore as of December

2015 to Rs.21728.97 Crore as at December2016.The share of weaker section advance

to Priority Sector advance is 28.09 % against the bench mark 25 %.

16


FRESH ISSUES

Crop Insurance

Crop Insurance Claim Pertaining to Kharif-2015

AIC of India, the designated implementing Agency for NAIS has released the claims of

Rs.1776.34 crores for Kharif 2015 Crop Season for Odisha on 05.10.2016 to 11.61 lakh

farmers.

All banks are requested to ensure that the claim amount has been credited to the

concerned loanee / non- loanee farmers accounts and report to SLBC in the prescribed

format.

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Issuance of Acknowledgement Receipt under ―Pradhan Mantri Fasal Bima Yojana (PMFBY)‖.

It has been decided by Ministry of Agriculture & Farmers Welfare, Government of

India to provide Acknowledgement Receipt on PMFBY / WBCIS to all insured farmers

( both loanee and non- loanee ) which can also be used as evidence of having insured

their crops. It contains all basic information about the scheme.

SLBC has already provided the soft copy of the acknowledgement receipt form

received from Government of India both in English and Odiya to all banks with

request to print the same for onward distribution to the branches for issue to farmers

at branch level. Acknowledgement Receipt is enclosed at Annexure - 9


Branch Network: Area Wise

Year Rural Branch Semi-Urban

Branch Urban Branch

Total

Branches

31.03.2012 1959(54.49 %) 901(25.06 %) 735(20.45%) 3595

31.03.2013 2055(53.74%) 1021(26.70%) 748(19.56%) 3824

31.03.2014 2335(54.54%) 1143(26.70%) 803(18.76%) 4281

31.03.2015 2554(54.73%) 1220(26.14%) 892(19.13%) 4666

31.03.2016 2685(54.91%) 1268(25.94%) 936(19.15%) 4889

31.12.2016 2728(54.66%) 1300(26.05%) 963(19.29%) 4991

17

Branch Network: Bank Wise

Year

Public

Sector

Bank

Private

Sector

Bank

RRBs

Total

Commercial

Banks

Co-

operative

Banks

Total

Branches

31.03.2012 2157 216 886 3258 337 3595

31.03.2013 2313 269 901 3483 341 3824

31.03.2014 2637 350 951 3938 343 4281

31.03.2015 2896 444 983 4323 343 4666

31.03.2016 3041 514 991 4546 343 4889

31.12.2016 3111 546 991 4648 343 4991

Bank wise & district wise Branch network as on 31.12.2016 is available at Annexure – 10. Bank wise and District wise branch opened during the period 01.04.2016 to

31.12.2016 is available at Annexure – 11

No bank branch has been opened during 01.04.2016 to 31.12.2016 in Dhenkanal,

Gajapati, Jajpur and Nabarangpur district. No bank branch has been opened during

01.04.2016 to 31.12.2016 by Dena Bank, Indian Overseas Bank, United Bank of India,

Odisha Gramya Bank & Utkal Grameen Bank.

Position of ATM installation in the State as on 31.12.2016

Sl. No. ATM Position Number

1 No. of Onsite ATMs 2859

2 No. of Offsite ATMs 3257

3 Total No. of ATMs 6116

Out of which

I No. of ATMs in Rural Branch 2013

II No. of ATMs in Semi-Urban Branch 2129

III No. of ATMs in Urban Branch 1974

Availability of ATM in the State

As on No. of ATMs

31.03.2014 4106

31.03.2015 5142

31.03.2016 6028

31.12.2016 6116

Bank wise and District wise ATM position is available at Annexure –12. The present status of branch & ATM opening in the state indicates that Banks are yet to give due

importance for opening of new branches in unbanked areas and installation of ATM

at rural branches.

18

Allahabad Bank, Andhra Bank, Bank of Baroda, Canara Bank, Central bank of India,

Corporation Bank, Dena Bank, IDBI Bank, Indian Bank, Indian Overseas Bank, OBC,

PNB, Syndicate Bank, UCO Bank, Union Bank of India, Vijaya Bank, HDFC Bank,

ICICI Bank, Bandhan Bank, OGB &UGB. All banks are requested to ensure that each

branch shall have at least one ATM. Major Banks not having ATM at all of their rural

branches are available at Annexure- 13.


Banking Key Indicators

The details of Bank wise deposit, advances & important banking key indicators are

available at Annexure – 14. CD Ratio (All Banks):

Banks

Basing on total utilization (including

sanctioned in outside State) of

advance in the state

Basing on advance

sanctioned and

utilized in the state

31.12.2016 31.12.2016

Public Sector 61.11 35.15

Private Sector 72.34 60.67

RRBs 49.11 49.11

Cooperative 116.65 116.65

State 63.80 46.69

CD ratio of the State as on 31.12.2016 computed on the advance figure of sanctioned

in other state but utilized in our state as per Thorat Committee is 63.80 %. CD Ratio

computed on advance sanctioned and utilized in the state is 46.69 %. Area wise CD

Ratio is at Annexure – 15.

District wise CD ratio (%) as of 31.12.2015 & 31.12.2016 for all Districts of Odisha

(Amt. in Rs. Crore)

SL. DISTRICT NAME

31.12.2015 31.12.2016

Deposit Advance CD

Ratio Deposit Advance

CD

Ratio

1 ANGUL 6697.91 2752.83 41.10 8656.47 2895.88 33.45

2 BALASORE 7475.82 4252.58 56.58 8987.48 4405.67 49.02

3 BHADRAK 3602.86 2006.49 55.69 4604.44 2200.24 47.79

4 BARAGARH 3276.31 2698.76 82.37 4476.01 2870.56 64.13

5 BOLANGIR 3878.55 1941.01 50.04 4875.58 2035.69 41.75

6 BOUDH 626.88 428.16 68.30 819.29 496.70 60.63

7 CUTTACK 16359.21 8062.03 49.28 19434.87 9349.36 48.11

8 DEOGARH 711.28 294.98 41.47 1019.04 319.70 31.37

19

9 DHENKANAL 3415.01 2003.03 58.65 4173.96 3304.69 79.17

10 GAJAPATI 1521.72 362.22 23.80 1693.87 371.41 21.93

11 GANJAM 12578.00 4957.66 39.42 13651.70 5085.94 37.25

12 JAGATSINGHPUR 6371.14 1972.15 30.95 7808.09 2297.29 29.42

13 JAJPUR 5084.90 2917.07 57.37 6667.62 4152.33 62.28

14 JHARSUGUDA 3063.33 1615.38 52.73 4179.75 2194.03 52.49

15 KALAHANDI 2390.59 1628.87 68.14 3185.99 1741.07 54.65

16 KANDHAMAL 1527.95 562.98 36.85 1789.24 634.93 35.49

17 KENDRAPARA 3615.90 1340.36 37.07 4430.62 1526.62 34.46

18 KEONJHAR 6908.18 2817.72 40.79 8830.91 3082.42 34.90

19 KHURDA 63132.37 33494.45 53.05 69977.13 38975.39 55.70

20 KORAPUT 3623.62 1726.01 47.63 4206.38 1938.06 46.07

21 MALKANGIRI 961.47 291.40 30.31 1204.80 324.06 26.90

22 MAYURBHANJ 6407.23 2450.72 38.25 7971.20 2680.40 33.63

23 NAYAGARH 2121.50 1220.13 57.51 2632.09 1342.45 51.00

24 NABARANGPUR 1230.81 790.89 64.26 1526.37 881.97 57.78

25 NUAPADA 1128.69 475.87 42.16 1503.49 519.88 34.58

26 PURI 5196.78 2112.88 40.66 6503.64 2305.57 35.45

27 RAYAGADA 2393.61 1138.10 47.55 2725.93 1154.18 42.34

28 SAMBALPUR 19623.18 2767.58 14.10 23994.91 3265.06 13.61

29 SONEPUR 1151.99 791.17 68.68 1424.53 883.11 61.99

30 SUNDARGARH 12949.49 6261.88 48.36 15669.06 6861.74 43.79

Sambalpur district registered low CD ratio of 13.61% only on account of MCL deposit

of Rs.116249 Crore. If this amount is excluded, the CD Ratio will be 37.34 %, which

is also unsatisfactory.

It is observed that

i) 5 districts namely Dhenkanal, Bargarh, Jajpur, Boudh, and Sonepur have achieved CD

ratio of more than 60%.

ii) 13 districts have registered CD ratio below 40 %.

Angul, Nuapada, Sambalpur, Deogarh, Gajapati, Ganjam, Jagatsinghpur, Kendrapara,

Keonjhar, Malkangiri, Puri, Kandhamal and Mayurbhanj. The LDMs of those districts

and the Lead Banks should take needful action for improvement in CD ratio in the

coming quarters.

20


Target vs. Achievement of Annual Credit Plan (ACP) 2016-17 under Priority Sector

Achievement under Annual Credit Plan (District wise & Bank wise) as on 31.12.2016

(LBS-MIS-II) is available at Annexure – 16. Performances under major segments of Priority Sector are reproduced below.

Target Vs Achievement under ACP for the year 2016-17

Particulars Target Achievement %age

Crop Loan 21496.81 10373.25 48.25

Agri Term Loan 5315.38 2059.84 38.75

Fishery 814.22 168.70 20.72

Dairy 1304.01 132.44 10.16

Farm Credit 28930.42 12734.23 44.02

Agriculture Infrastructure 1787.00 379.38 21.23

Ancillary Activities 1400.20 614.44 43.88

Agri Total 32117.62 13728.05 42.74

Micro Enterprises 6071.81 3413.16 56.21

Small Enterprises 3270.16 4483.36 137.10

Medium Enterprises 2087.94 800.47 38.34

Khadi & Village Industries 605.02 24.16 3.99

Others under MSME 2519.10 1082.53 42.97

MSME Total 14554.03 9803.68 67.36

Export Credit 717.62 633.22 88.24

Education 1109.75 161.23 14.53

Housing 4018.01 1279.84 31.85

Social Infrastructure 199.51 33.25 16.67

Renewable Energy 80.31 1.20 1.49

Others 6078.42 2248.65 36.99

Priority Sector Total 58875.27 27889.12 47.37

Bank wise Achievement under ACP-2016-17 Amt. in crores

SLNo Name of Bank Priority Sector

Target Achievement %

1 Public Sector Banks 30743.83 14065.98 45.75

2 Private Sector Banks 6187.45 4547.04 73.49

3 Regional Rural Banks 9220.85 2940.92 31.89

4 Co-operative Banks 12723.14 6335.18 49.79

Total 58875.27 27889.12 47.37

The achievement during 01.04.2016 to 31.12.2016 under ACP is 47.37% of the target.

Banks should ensure that the target under various schemes of ACP is achieved before

March 2017.

21

Share of different banks in Agriculture Credit Outstanding on 31.12.2016

(Amount in Crores)

Name of the banks Amount outstanding Share in %

Public Sector Banks 12439.85 42.90

Private Sector Banks 3545.13 12.22

RRBs 3649.82 12.58

OSCB 9368.15 32.30

Total 29002.95 100.00

Status of Small & Marginal Farmers out of Total Agriculture Advance excluding RIDF

figure.

Banks Total agriculture Advance Out of which, SF/MF Farmers

No. of A/Cs Amount No. of A/Cs Amount

Public Sector Banks 1712077 12439.85 1076508

(26.40%)

5926.04

(33.04%)

Private Sector Banks 462890 3545.13 130629

(3.20%)

723.58

(4.03%)

RRBs 743871 3649.82 634030

(15.55%)

2855.96

(15.92%)

OSCB 2402476 9368.15 2236494

(54.85%)

8431.34

(47.01%)

Total 5321314 29002.95 4077661 17936.92

Potential Linked Credit Plan (PLP)

With a view to facilitating adequate credit planning, NABARD brings out district wise

Potential Linked Credit Plan (PLPs) annually which also depict an analytical assessment

of the bankable potential for various sectors in the rural economy. PLP is a reference

& guidance to serve as a road map to the Lead District Managers for preparation of

their Annual Action Plan for investment under Priority Sector during the financial

year. PLP is a reference document for optimal utilization of the credit potential with

the help of PLP, in consultation with DDM of NABARD, LDO of RBI and District Co-

coordinators of Banks and guidance of District Administration, the ACP of the district

should be prepared. While distributing the target among different banks in the district,

the credit delivery capacity of each bank, any restriction of regulator, etc. may be

taken into the consideration for arriving at a real and achievable target.

The State Potential Credit Plan for 2017-18 prepared by NABARD is given below.

22

State Potential Credit Plan for the year 2017-18

(Rs. in crore)

Sr. Particulars Credit Projection

I Credit Potential for Agriculture

A Farm Credit

i Crop Production, Maintenance and Marketing 24212.00

ii Water Resources 915.06

iii Farm Mechanisation 3027.65

iv Plantation and Horticulture 1150.31

v Forestry and Waste Land Development. 196.16

vi Animal Husbandry-Dairy 1364.09

vii Animal Husbandry-Poultry 754.91

viii Animal Husbandry-Sheep, Goat, Piggery 663.38

ix Fisheries 908.71

x Others 161.44

Sub Total 33353.71

B Agriculture Infrastructure

i Construction of storage facilities 1175.19

ii Land Development 335.22

iii Others 131.86

Sub Total 1642.27

C Ancillary Activities

i Food and Agro processing 1032.79

ii Others 93.87

Sub Total 1126.66

Total Agriculture (A+B+C) 36122.64

II Micro Small and Medium Enterprises 16695.17

III Export Credit 406.98

IV Education 1183.78

V Housing 4502.33

VI Renewable Energy 110.71

VII Others 7292.45

VIII Social Infrastructure involving Bank Credit 240.45

Grand Total 66554.51

SLBC has already requested all the LDMs to prepare the ACP target for the year 2017-

18 vide Letter No. SLBC/ODI/830/2016-17 dated 06.02.2017, approve in the DCC

meeting and submit the same to SLBC by 28th February, 2017 for compilation and

bank wise consolidation at State level & onward submission to RBI and NABARD.


NPA & Overdue position as on 31.12.2016

The NPA % of the State is 11.95 and overdue % is 37.49 which are at much higher

side and alarming. Rising NPA in Odisha is a matter of great concern The Bank wise

and Sector wise NPA & Overdue position is given in Annexure – 17. For PMRY / PMEGP / SJSRY (NULM)/ SHG (NRLM) / WCC, the NPA & Overdue % is too high,

which can only be rated as unsatisfactory. The Banks are facing problem to recycle

23

the funds owing to non repayment of loans, mounting overdue and rising NPA %.

Banks & Govt. Departments have to make joint efforts with specific strategies to

improve the recovery performance for better recycling of funds.

Sector wise NPA & Overdue % as on 31.12.2016.

Sl. No. Sector NPA % Overdue %

1. Short Term Crop Loan 11.67 45.79

2. Agriculture Term Loan 17.83 45.95

3. Agriculture Allied 15.65 42.16

4. Total Agriculture 13.48 45.71

5. MSME Sector 12.87 33.53

6. Education Loan 14.45 38.43

7. Housing Loan 07.28 26.13

8. Total Priority Sector 13.32 42.48

9. Total Advance 11.95 37.49

Scheme wise NPA & Overdue % as on 31.12.2016

Sl. No. Sector NPA % Overdue %

1. PMEGP & PMRY 38.08 59.45

2. SHG 25.44 23.85

3. NULM 21.07 64.95

4. Weaver Credit Card 18.71 58.30

Bank wise NPA position as on 31.12.2016

Banks NPA % Overdue %

Public Sector Bank 14.84 28.64

Private Sector Bank 00.75 11.25

RRBs 22.00 28.76

O. S. C. B 07.03 47.96

Year wise NPA % in the State

Year NPA %

31.03.2014 07.69

31.03.2015 08.26

31.03.2016 11.38

31.12.2016 11.95

Banks having NPA % above the State Average are Andhra Bank, Bank of Baroda, CBI,

IOB, OBC, PNB, SBI, UCO Bank, OGB & UGB

Status of OPDR cases as on 31.12.2016

11844 no. of OPDR cases involving Rs 102.64 crore are pending as on

31.12.2016.Highest number of cases( 1598 ) are pending in Khordha district followed

24

by Kendrapara district (1164 cases).All District Collectors may be advised by State

authority for early disposal of pending OPDR cases. All the Lead District Managers

may put their coordinated efforts to yield desired result. District wise & Bank wise

report is available at Annexure – 18.

Online data entry / viewing of OPDR cases in Odisha

A portal has been created in our website www.slbcorissa.com for online data entry

of OPDR cases by the Banks in Odisha and the status can be viewed by State

Government & RBI, Bhubaneswar. The link for the same is available in the

homepage of our website.

SLBC Odisha vide its Letter No. SLBC/ODI/805/2016-17 dated 17.01.2017 &

SLBC/ODI/811/2016-17 dated 18.01.2017 have already circulated the mode of

operation for viewing/entry of OPDR cases in the portal by State Government

authorities, RBI & Banks respectively. Controlling Heads of all Banks are requested to

ensure data entry of all pending OPDR cases in our portal.

Applications for attachment of property under Section 14 o f SARFAESI Act pending

with District Magistrates

Banks require adequate support from District Magistrate for quick enforcement of

SARFAESI Act. The applications are remaining pending with District Magistrates in

different districts for a long time for permission and assistance for taking physical

possession of charged assets under the Act.

It is reported that 597 numbers of applications involving Rs.515.17 Crore of different

banks for attachment of property under section 14 of SARFAESI are pending with

District Magistrates. The State Government is requested to kindly issue appropriate

instruction to the District Magistrate for expeditious disposal of Bank‘s applications seeking permission for taking over physical possession of charged assets. District wise

and bank wise pending list enclosed at Annexure – 19.

Prudential Norms on Income Recognition, Asset Classification and Provisioning

pertaining to Advances for credit facilities up to Rs.1.00 Crore consequent upon

demonetization.

Consequent upon withdrawal of legal tender status of Specific Bank note of Rs500

and Rs.1000 note, the additional 60 days beyond the period applicable for

recognition of credit facilities as sub- Standard for advances up to Rs.1.00 crore in

respect of the dues for the period from 01.11.2016 to 31.12.2016 has been allowed for

asset classification. Reserve Bank of India has subsequently reviewed above

dispensation and advised all the lenders to provide further 30 days period in addition

to the 60 days. After revision, the additional 90 days is extended to Agriculture and

Business Sector only.

http://www.slbcorissa.com/

25


AGRICULTURE

Bank wise performance of Crop Loan & Term loan for the period 01.04.2016 to

31.12.2016 is available at Annexure - 20.

Kissan Credit Card (KCC)

The Bank wise achievement made under KCC as on 31.12.2016 is available at

Annexure –21. It is observed that Banks have disbursed Rs. 9132.73 crore in 2533601 KCC accounts during 01.04.2016 to 31.12.2016, out of which fresh KCC has been

issued in 505370 accounts disbursing Rs. 2179.26 crore. Total outstanding balance as

on 31.12.2016 is Rs. 18320.08 crore in 6811683 No. of KCCs.

No KCC has been issued so far by the following Banks:

Public Sector Banks

State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Mysore, State

Bank of Travancore & Punjab & Sind Bank.

Private Sector Banks

Karnataka Bank, Federal Bank, City Union Bank, IndusInd Bank, Karur Vysya Bank,

Kotak Mahindra Bank Ltd., Laxmi Vilas Bank, The South Indian Bank Ltd, Standard

Chartered Bank, Yes Bank, DCB Bank and Bandhan Bank.

Doubling Farmers Income by 2022- Measures

RBI vide circular RBI/2016-17/66,FIDD.CO.LBS.BC.No.16/02.01.001/2016-17 dated

29.09.2016 communicated the strategy to achieve the goal of ―Doubling Farmers income by 2022‖. In this regard RBI advised that:

Banks should revisit their documentation process for crop loans, simplify them wherever required and ensure speedy sanctioning and disbursal of loans within

specified limits. Map the overall strategy to the agriculture / agro-ancillary lending

plan of bank.

Lead Banks should work closely with NABARD in preparation of Potential Linked Plans & Annual Credit Plans keeping the above strategy in consideration.

LDMs should include ‗Doubling of Farmer‘s income by 2022‘ as a regular agenda under Lead Bank Scheme in various forums such as DCC, DLRC and BLBC.

Choices to double farmer‘s Income by 2022 1. Provision of Irrigation.

2. Paddy to Non-paddy shift.

3. Additional income from allied source.

4. Collectivization of produce - Farmer Producer Organization.

5. Promotion of Contract Farming.

6. Innovation for high value agricultures.

7. Formal Financial Inclusion.

26

Time to look to our State Agriculture- Some Views

1. Need for Second Green Revolution.

2. Enhancing efficiency of Water usage.

3. Development of a Strong Agricultural Infrastructure base.

4. Re-structuring the Agriculture Sector.

5. Approach towards Yield Gaps.

6. Organizing Farmers into Bodies(Companies or Cooperatives).

7. Solving Problems of Small Farmers.

8. Empowering Farmers about Agro-technologies.

9. Shifting of Physical Inputs to Knowledge Input.

10. Involvement of SHGs for Institutional Support.

11. Land Reforms

12. Linking Industry and Farmer.

13. Introducing Public- Private Partnership (PPP) model.

14. Involving Third Sector/ NGOs in Agriculture.

15. Convergence of Agricultural activities with Panchayati Raj Department.

16. Establishment of State Level Task Force.

17. Formation of Agriculture Technology Mission (ATM).

18. Attracting Youth as Agricultural Enterprises.

19. Addressing Challenges on Climate change.

Agriculture Allied Sectors (Fishery & Dairy).

Bank wise progress made on Financing under different schemes of Allied Agriculture

Sector is given in Annexure – 22.

Disbursement for the period 01.04.2016 to 31.12.2016.

Name of the scheme No. of account Amount in Rs. Crore

Dairy 20228 132.44

Fishery 18875 168.70

Poultry 1041 26.59

Other allied (Goatery, piggery etc) 43252 223.68

Total 83396 551.41

Interest subvention on Short Term Credit and Long Term Credit to Fish Farmers

This may please be appreciated that interest subvention support to fish farmers is very

crucial for integrated development of fisheries. But unless the loans are available to

the farmers by the banks, interest subvention cannot be used. In every SLBC meeting,

this issue has been raised. Non financing or slow financing to fishery enterprises as

well as fish farmers is a matter of great concern of State Government.

We therefore, request Controlling Heads of all Banks to be very proactive in financing

this sector and ensure sanction and disbursement of all eligible pending application

without further delay.

27

All Banks may give top priority for achieving the target given under ACP for different

schemes of allied sector which is supported by subsidy and interest subvention scheme

of State government. All Banks are requested to dispose of the pending loan

applications and ensure timely sanction and disbursement of loan application. Any

return / rejection of application are to be informed to the loan application sponsored

Department with reasons.

Progress of Pledge Financing on Negotiable Warehouse Receipts (NWRs) to farmers

In our State only State Bank of India has pledge financing against NWRs. During

01.04.2016 to 31.12.2016 no amount has been disbursed. Balance outstanding as on

31.12.2016 is Rs 2.91 crore against 7 accounts. Since pledge financing gives price

assurance to farmers, it is requested the member banks to explore possibility of

lending under pledge finance.

National Horticulture Board

The National Horticulture Board is implementing following programmes as sub-

scheme of Mission for Integrated Development of Horticulture (MIDH):

1. ―Development of Commercial Horticulture through Production and Post Harvest Management of Horticulture Crops‖ Under this scheme, back-ended subsidy is provided for setting up units relating to

horticulture sector such as production related hi-tech projects, Post Harvest

Management (PHM) infrastructure viz. Pack House, Ripening Chamber, Refer Van,

Retail Outlets, Pre-cooling units, Primary processing etc.

2. Capital Investment Subsidy for Construction/ Expansion/ Modernization of Cold

Storages and Storages for Horticulture Produce - Under this scheme, credit linked

back-ended subsidy @35% of the capital cost of project in general areas and 50% in

case of NE Region, Hilly and Scheduled areas for a storage capacity above 5000 MT

up to 10000 MT is provided for establishment of Cold Storages including Controlled

Atmosphere (CA) and their modernization.

3. Technology Development and Transfer for Promotion of Horticulture - Under

this scheme, the projects for popularization of identified new technologies/tools/

techniques for commercialization/adoption and training/skill development of farmers

are considered through different sub-components of the scheme:

Sl.

no Name of the Banks

No. of Project

Pending

1 State Bank of India (Branch wise)

Nabarangpur Branch, Nabarangpur. 2

Umarkote Branch, Nabarangpur 2

28

RBO- Berhampur-II Branch, Ganjam 1

2

Allahabad Bank (Branch wise)

Nuapada Branch, Nuapada 5

Bhawanipatna Branch, Kalahandi 1

3 Andhra Bank, Jajpur Branch, Jajpur 1

4 Bank of India (Branch wise)

Nabarangpur Branch, Nabarangpur 1

Saharapada Branch, Keonjhar 1

5 Punjab National Bank (Branch wise)

RPRC Branch, Bhubaneswar 1

Bhawanipatna Branch, Kalahandi 1

6 Central Bank of India, Nayachowk Branch, Cuttack 1

7 Union Bank of India, Deogarh Branch, Deogarh 4

8 IDBI Bank Ltd (Branch wise)

Nabarangpur Branch, Nabarangpur 7

Jeypore Branch, Koraput 1

9 Utkal Grameen Bank, Bandhugaon Branch, Koraput 1

10 Sundargarh Dist. Central Co.op Bank (Branch wise)

Sundargarh Branch, Sundargarh 10

Hemgir Branch, Sundargarh 6

Badgaon Branch, Sundargarh 2

Subdega Branch, Sundargarh 2

Rajgangpur Branch, Sundargarh 2

Koira Brnach, Sundargarh 2

Paikmal Branch, Bargarh 1

11 Koraput Central Co.op Bank, Jeypore Branch, Koraput 1

12 Mayurbhanj Central Co.op Bank, Saharpada Branch,

Keonjhar 1

Total 57

The concerned banks are requested to sanction the eligible projects and ensure

submission of utilization certificate in time.

Aadhaar Number Seeding in the bank‘s account of the beneficiaries under various components of National Horticulture Board‘s Scheme The Ministry of Agriculture & Farmer‘s Welfare, Govt. of India vide letter No.12-48/2016 – MIDH (NHB) dated 07.12.2016 has advised National Horticulture Board for adoption of DBT Mechanism for payment of subsidies during 2016-17 to the

beneficiaries.

In view of the above direction of Govt. of India, the Controlling Heads of all Banks

are requested to ensure that the concerned branches have linked the beneficiaries

29

Aadhaar number with their Term Loan Account & Subsidy Reserve Fund (SRF)

Account for adoption of DBT mechanism for payment of subsidy during 2016-17

under various components of NHB Scheme.


Financing to MSME Sector

Micro, Small and Medium Enterprises (MSMEs)

Micro Enterprises – A target of 7.5 % of ANBC or Credit equivalent amount off-balance sheet exposure, whichever is higher has been prescribed for micro enterprises

to be achieved by March 2017

The position of finance to Micro & Small Enterprises in the State as on 31.12.2016 is as

follows.. Amount in Rs. crore

Particulars

Balance outstanding as

on 31.12.2015

Balance outstanding as

on 31.12.2016

A/cs Amount A/cs Amount

Micro Enterprises 660070 12135.61 852699 14752.79

Small Enterprises 137822 10096.47 138048 9240.67

Total MSE 797892 22232.08 990747 23993.46

Share of advances of Micro

Enterprises to MSE (% ) 82.73 54.59 86.07 61.48

Total MSME 800407 25415.12 994768 27777.80

PM Task Force- Recommendations Norm

%

Actual

%

Banks are advised to achieve a 20 per cent year-on-year

growth in credit to micro and small enterprises (December

2015 to December,2016)

20 24.94

10 per cent annual growth the number of micro enterprise

accounts(December 2015 to December, 2016) 10 24.17

60 per cent of MSE advances should go to the micro

enterprises is to be achieved on continuous basis. 60 61.48

Observations:-

The advance to MSME as on 31.12.2016 has registered annual growth of a growth of 9.30 % over December 2015.

Against a target of 7.5% of ANBC, Banks have achieved 12.70 % under Micro Enterprises.

Year on year growth of outstanding advance in MSE sector is 24.94 % which is above the stipulated target of 20%

30

Year on Year growth in number of micro enterprises is 24.17 % as against the Task Force parameter of 10%

The allocation of Micro sector to MSE advance at the end of December 31, 2016 is 61.48 %( against bench mark – 60%).

Detailed report of Bank wise position under MSME is available at Annexure –23. The target under ACP for MSME sector (Priority Sector} for the year 2016-17 is

Rs.14554.05 crore and the achievement as on 31.12.2016 is Rs.9803.68 crore which is

67.36% of the target.

The share of MSME advances to total advances as of 31st December 2016 is 23.89 %.

Performance of Commercial Banks under Manufacturing Sector as on 31.12.2016

Manufacturing Sector Disbursement (01.04.2016 to 31.12.2016)

A/C Amt in Crores

Micro Enterprises 46961 1007.69

Small Enterprises 5264 692.40

Medium Enterprises 285 549.81

TOTAL 52510 2249.90

Regarding nursing and rehabilitation of all identified potential viable sick units, all

banks have been requested by SLBC to take necessary steps for undertaking nursing

and rehabilitation measures. Timely identification of sick units, close monitoring and

taking corrective measure as guidelines are advised.

Stand Up India Scheme

It is observed that 27 LDMs have logged in to the portal of Stand up India in our

State. LDMs of Jagatsinghpur, Jharsuguda and Kalahandi district have not joined in

the Stand up India portal for which the performance of these 3 districts is shown ― 0 ― which is a matter of concern of Department of Financial Services, Ministry of Finance,

Government of India. We reiterate that the scheme which covers all branches of

scheduled Commercial Banks will be accessed through LDM. The LDMs of these

districts are advised again to upload the Stand up India immediately. For any

clarification, they may contact DGM, SIDBI. Convenor has also requested all the

member banks to advise all their branches to log in to the portal regularly.

Target

As per guidelines of Stand up India, each branch of a scheduled bank is expected to

extend loans to at least one SC/ST and minimum one woman entrepreneur under his

scheme. Against a target of 9982 applications as on 31st March 2017, 116 loan

applications have been disbursed up to 11.02.2017 as per report generated from Stand

Up Mitra portal.

31

Performance under Stand up India as on 11.02.2017 as per Stand up India

Particulars Sanctioned Disbursed

A/C Amount (Cr) A/C Amount (Cr)

SC/ST 99 17.39 77 8.08

Women 59 11.24 39 3.71

Total 158 28.63 116 11.79

As reported by different banks as on 31.12.2016, Rs.13.78 crore has been disbursed in

361 accounts to SC/ ST applicants and Rs.26.75 crore has been disbursed in 523

accounts to Women applicants. (Annexure - 24)

It is requested all banks to please update the data in the Stand UP India Portal. There

is huge difference between the figure reported by banks to SLBC at State level and the

figure uploaded in the portal.


RSETI

As on 31.12.2016, 15366 rural BPL/NRLM target group youth have been trained

against annual target of 18000 for the year 2016-17. (85% achievement)

The Bank-wise performance under BPL as on 31.12.2016 is as follows.

Bank RUDSETI SBI Bank of

India CBI

UCO

Bank Andhra Bank

%age

Achievement 111 89 90 102 78 57

The overall number of candidates trained as on 31-12-2016 is 19706 against annual target of 23153(% of achievement 85%)

The percentage of candidates settled as on 31.12. 2016 (Cumulative) is 66% against national average 62%.

The report on achievement is available at Annexure –25. The percentage of candidates settled with bank finance as on 31-12-2016 (cumulative) is 47% against National Average of 43%.

STATUS OF INFRASTRUCTURE IN RSETI

Issuance of permissive possession letter is pending in Puri District. Land is yet to be allocated to Cuttack and Dhenkanal District. In 9 numbers of RSETIs the building construction has been completed. In 13 number of RSETI the construction is in progress. In 4 RSETI, the construction has not yet started.

32

Information on RSETIs

Particulars India Odisha

No. of functional RSETIs 585 30

No. of Youth Trained 2169476 109413

Total No. of Youth Settled 1344580 71959

Youths settled with bank finance 513980 29740

Youths settled with Self finance 684707 42234

Settlement Ratio 62 66

Credit Linkage 43 47

Target for FY2016-17 399973 23153

Achievement 321319 19706

Achievement % 80 85

Electricity connection for RSETIs

In inviting reference to MoRD letter No.1-12011/16/2015-NRLM(RSETI), dated

15.09.2015 issued by Additional Secretary, MoRD addressed to Principal Secretaries,

Dep. Of RD & PR of all the States, we reproduce the contents which read as follows.

―Demand for water and electricity charges is raised at commercial rates. It is clarified that RSETIs are engaged in training unemployed youth, as per Government of India

guidelines and as such, they should not be treated as commercial establishments and

hence charges as applicable to domestic rates need only be collected‖. Kind consideration of the State Government is requested.

AAGGEENNDDAA NNOO. 11

Finance to Handicrafts Sector.

1. Silpi Unnati Yojana(SUY):

Margin money assistance is provided to individual artisans @ 20% of the project cost

(up to Rs.1,00,000 in seven crafts and up to Rs 50,000.00 in rest 43 crafts ) per

artisan to avail bank loan for setting-up of own handicraft production unit. During

2016-17, 1530 nos. of applications have been received in different districts & till date

1511 nos. of applications have been sponsored to different banks, out of which 141

cases have been sanctioned. The Bankers are requested to take credit decisions early

on applications received from DICs/RICs.

2. Modernization & Technological Up-gradation of Handicraft Industries.(M.T.U.H.I)

In order to enhance the productivity of the handicraft items, under the scheme

―Modernization & Technological Up-gradation of Handicraft Industries‖ (M.T.U.H.I.) an amount of Rs 55.00 lakhs is available towards release of Subsidy. The project cost

ranges from Rs 3.00 lakh to Rs 50.00 lakhs.20% subsidy (maximum Rs 10.00 lakh) is

given to general category entrepreneurs while 30% subsidy (maximum Rs 12.00 lakh)

is given to special category entrepreneurs. During 2016-17, 200 nos. of applications

33

have been received in different districts & 139 nos. of applications have been

Sponsored to different banks. As on 20.01.2017, 02 no of cases have been

sanctioned. Banks are requested to take credit decisions early on those proposals. The

Bank branch wise details of sponsoring & sanction are placed at Annexure- 26.

Calendar for successful implementation of the scheme during 2016-17 ―Modernization & Technological Up-Gradation of Handicraft‖.

SSLL..NNoo.. SSuubbjjeecctt SScchheedduullee DDaattee LLiinnee

11.. AAddvveerrttiisseemmeenntt iinn LLooccaall DDaaiilliieess ffoorr iinnvviittiinngg

aapppplliiccaattiioonnss.. 2255..0044..22001166

22.. LLaasstt ddaattee ffoorr ssuubbmmiissssiioonn ooff aapppplliiccaattiioonn ttoo

RRIICCss//DDIICCss.. 1166..0055..221166

33.. SSeelleeccttiioonn bbyy DDiissttrriicctt LLeevveell SSccrreeeenniinngg CCoommmmiitttteeee &&

SSppoonnssoorriinngg ooff eelliiggiibbllee ccaasseess ttoo BBaannkkss bbyy RRIICCss//DDIICCss.. 3300..0099..22001166

44.. SSaannccttiioonn ooff llooaann bbyy BBaannkkss 3311..0011..22001177

55.. DDiissbbuurrsseemmeenntt ooff llooaann bbyy BBaannkkss 3311..0033..22001177

66.. SSuubbssiiddyy ccllaaiimm bbyy PPrroommootteerrss ttoo BBaannkkss 3311..0033..22001177

77.. SSuubbssiiddyy ccllaaiimm pprrooppoossaall rreeccoommmmeennddeedd bbyy BBaannkkss ttoo

DDiirreeccttoorraattee ooff HH && CC..LL,, OOddiisshhaa,, BBhhuubbaanneesswwaarr 3311..0055..22001177

88.. SSuubbssiiddyy rreelleeaassee ttoo BBaannkk bbyy DDIICC//RRIICC.. 3300..0066..22001177


Financing under Self Help Groups (SHGs)

Performance under SHG-Bank Linkage during FY 2016-17:

Achievement under SHG-Bank Linkage during 01.04.2016 to 31.12.2016 is Rs.488.18 Cr credit linkage to 36680 WSHGs against target of Rs.966.05 Cr to 75000 WSHGs,

Physical Achievement is 50% and Financial Achievement is 51% The percentage growth during April-December 2016 compared to same period last

year 9 % physical growth and 21 % financial growth.

Bank wise achievement during as on 31.12.2016 is at Annexure - 27.

Bank-wise Achievement under SHG-Bank Linkage during 01.04.2016 to 31.12.2016.

(Amt. in Rs. crore)

Name of Bank Target Achievement

Physical Financial Physical Financial

Public Sector 35861 455.04 18489(52%) 227.59(50%)

Private Sector 1292 16.17 517(40 %) 6.38(39%)

RRBs 29515 394.14 15104(51%) 215.57(555)

Cooperative Bank 8332 100.70 3570(43%) 38.64(38%)

Total 75000 966.05 37680(50%) 488.18(51%)

34

Average loan size

Name of Bank Average loan size amount in Rs lakh

Public Sector 1.23

Private Sector 1.23

RRBs 1.43

Cooperative Bank 1.08

State 1.30

Strategy for February to March 2017 for achieving the target for FY 2016-17

Banks to ensure renewal of all CC loans with DP enhancement on a priority basis. Pending proposals in Bank branches to be disbursed on a priority basis. Ensure linkage amounts are in tune with RBI guidelines.

Odisha Livelihood Mission on Corporate Business Correspondents (BC) of Bank

The Copy of the RESOLUTION of Government of Odisha containing the guidelines

for ―Engagement of Odisha Livelihood Mission as Corporate Business Correspondent of Banks‖ is enclosed at Annexure- 28

This initiative is aimed at supporting Banks in effective implementation of Business

Correspondent (BC) intervention in Unbanked/ under banked GPs in the State. In

order to roll out the intervention, all Banks are requested to provide the application

form through which OLM would apply for acting as Corporate BC of the Bank. In

addition, necessary modalities specific to any Bank with respect to engagement as

Corporate BC may also be intimated to OLM.


Progress under Govt. Sponsored Programmes

PMEGP

District wise and Bank wise revised targets under PMEGP for the year 2016-

17.

The State Director, KVIC, Odisha has communicated the revised tentative target for

the year 2016-17 vide letter No. OZ/PMEGP/Target/2016-17/3046 dated 03.10.2016.

The target under KVIC, KVIB & DIC components of PMEGP are available below & the

application pendency status is available at Annexure - 29.

In the meeting of Sub- Committee of SLBC on MSME & Skill Development held on

04.01.2017 under the Chairmanship of the Principal Secretary, MSME, Government of

Odisha, the target of the following banks revised as mentioned below. The same has

also been communicated to the concerned banks vide our letter No. SLBC/

ODI/807/2016-17 dated 17.01.2017.

35

Revised target for sanction of PMEGP

Name of

Banks

Revised Target

in Unit

To be

Sanctioned by

Jan 2017

To be

Sanctioned

by Feb 2017

SBI 700 350 350

Andhra 200 100 100

BOI 300 150 150

UCOBANK 300 150 150

PNB 200 100 100

Canara 200 100 100

CBI 150 75 75

BOB 150 75 75

UBI 135 75 60

Union Bank 125 75 50

IOB 95 60 35

Syndicate 100 70 30

OGB 100 50 50

There is no change in the allocation of target with regard to PMEGP for the remaining

banks.

Action Points emerged in the meeting for PMEGP loan sanction & disbursement.

1) Concerned Banks should prioritize on PMEGP

2) Banks should put all out efforts to achieve 70% of their allotted target by Jan 2017

and rest 30% by Feb 2017.

3) Disbursement to be effected by 15/01/2017 whatever sanctioned till date.

4) ICICI, Axis, IDBI & HDFC Banks should expedite their effort towards sanction and

disbursement of loan applications

5) SLBC and KVIC to monitor the progress

6) Training to be imparted by GM (DIC) for expeditious result.

PMEGP Performance as on 11.02.2017 (Source – PMEGP e- Tracking System)

Details No. of

applications

Margin Money

involved in Rs lakh

Forwarded to Banks 12497 31250.58

Sanctioned by Banks 411 1025.7

Margin Money Claimed 32 90.32

Margin Money Disbursed 18 46.36

Rejection by banks 2812 6706.14

Pending at banks 9274 23419.31

Pending for Margin Money Disbursement 14 43.96

36

As per direction of Ministry of MSME, Govt. of India, the total target has been

distributed of minimum 75 projects per district as an average of Rs2 lakh. The district

wise SC/ST target in respect of KVIC, KVIB & DIC are prepared on 1.5 times of

population on SC/ST category at an average of margin money of Rs.2 lakh per

project. The revised target has already been circulated to all concerned i.e.

Controlling Heads of Banks and Lead District Managers for speedy implementation of

PMEGP programme to achieve the target. All the participating banks are requested to

ensure sanction and disbursement of loan before December 2016 and achieve the

given target for 2016-17.Position.

National Urban Livelihood Mission (NULM)

Bank wise & Branch wise applications sponsored, disbursed and pending with banks

under SEP (Individual), SEP (Group) and SHG Bank linkage component of DAY-

NULM has already been shared with the concerned banks.

As reported by banks, against the physical target of 9250, banks have sanctioned and

disbursed 1620 and 1556 applications respectively. Against the financial target of Rs

90 crore, Rs 15.13crore has been disbursed as on 31.12.2016. Detailed report of all

Banks is available at Annexure – 30. It is requested to all concerned banks to please achieve the target for 2016-17.

Inclusion of MUDRA loan disbursement under DAY-NULM, SEP-1

The Mission Director- DAY-NULM, SUDA vide his letter NO.279 dated 10.02.2017

has communicated all the participating banks that as per guidelines of MoHUPA, loan

sanctioned under MUDRA scheme can also be reflected under SEP-1 component of

DAY-NULM through which beneficiaries will get the interest subsidy on the loan

availed. It has been requested to share the branch wise sanctioned cases under

MUDRA to upload in DAY-NULM web portal. The same also will be reflected as the

achievement of banks under Day-NULM

Financing under SC/ST Schemes:-

The representative of Odisha Schedule Casts & Schedule Tribe Development Finance

Co- Operative Corporation limited (OSCSTDFCC Ltd) informed that

During the current financial year 2016-17, the Corporation has fixed target for

financing 21000 Sch. Caste families through 2100 Self Help Groups, 5300 Sch. Tribes

through individual and SHGs under Credit Linked Income Generating Schemes

through Banks. It has also been decided to finance SC individual applications during

2016-17 where group applications are not available but the individuals should not be

more than 30% of total target of a district. But in case of ST Sector, there is no

limitation for financing individual ST candidates.

37

The sector-wise target fixed and achievement made during – 2016-17 (till 31.12.2016) is given below. District wise & bank wise performance is available at Annexure-31.

Sl

Name

of the

Sector

Target fixed by

OSFDC

No.of applications

Sponsored

No.of applications

Sanctioned

Applications

Disbursed

Amount

disbursed

No.

of

SHG

No.

of

Benef

No.

of

SHG

No.of

Indiv.

Appln

.

Total

Benef

No.

of

SHG

No.

of

Indv.

Appln

Total

Bene

f

No.

of

SHG

No.

of

Indv

Appln

Total

Bene

f

Subsid

y

Bank

Loan

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13 (14)

(15)

1 SC

Sector 2100 21000 546 1400 6964 220 369 2663 55 287 884 83.20 123.24

2 ST

(DTDP) 530 5300 75 632 1375 31 267 564 9 184 187 17.90 41.29

TOTAL 2630 26300 621 2032 8339 251 636 3227 64 401 1071 101.10 164.53

Lead District Managers are advised to monitor and follow up with branches to ensure

achievement of district target.

Joint Liability Group (JLG)

Total amount disbursed for the period 01.04.2016 to 31.12.2016 is Rs.212.36 crore in

16610 accounts against target of 40000 and balance outstanding as on 31.12.2016 is

Rs. 958.21 crore in 109910 accounts.

Bank wise achievement as on 31.12.2016 is given in Annexure –32.

Artisan Credit Card (ACC)

During the period of 01.04.2016 to 31.12.2016, the Banks in the State have issued 143

no. of Artisan Credit Cards involving total amount of Rs87 lakh. The balance

outstanding as on 31.12.2016 is Rs.31.04 crore against 6987 accounts.

The Bank wise achievement is furnished in Annexure – 33.

Swarozgar Credit Card (SCC)

2697 SCCs have been issued for the period 01.04.2016 to 31.12.2016. The balance

outstanding as on 31.12.2016 is Rs. 12.28 crore against 54682 accounts. No SCC has

been issued by Private Sector Banks and a few Public Sector Banks. The performance

of other Banks is not at all impressive and needs lot of improvement.

The Bank wise achievement is furnished in Annexure – 34.

38


Finance to Weaver Sector:

The bank wise information on fresh finance to the handloom sector is enclosed at

Annexure – 35. The following banks have participated in disbursement of loan under WCC Scheme.

The following points have been reported by the Director, Handlooms & Textiles,

Odisha.

2775 nos. of loan applications have been sponsored to the Banks. The Controlling Heads of some Banks have not submitted up to date information in this regard despite several persuasions made.

The C.G.M.NABARD, Regional office Bhubaneswar may offer their views with regard to the present status on settlement of pending claims towards margin money

assistance & Interest subvention under WCC by NABARD.

The Managing Director, OSCB, Bhubaneswar is requested to issue suitable instructions to the Secretaries of the DCCBs to sanction cash credit loan to the PWCS

against the loan applications received.

Finance under Weavers Credit Card as on 31.12.2016

Sl

No. Name of Bank

No.of cards issued

STATE LEVEL BANKERS COMMITTEE, ODISHA · Phone: 0674-2533002 , 2531152, 2392553. Fax: 0674-2532890...

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