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ANNUAL CREDIT PLAN 2016-17SOUTH GOA DISTRICTEXECUTIVE SUMMARY

South Goa district is predominantly service oriented economy comprising of 7 blocks and an excellent network of Banks to serve a population of 6.40 lakhs. The main economic activities of the district are tourism, fishing and agriculture, which include Eco-tourism. The Annual Credit Plan for 2016-17 has been prepared for Rs 3038.53 crores which compares with the projections made by NABARD in its PLP for the year.As per the provisions in the Prioirity Sector Guidelines of RBI, the categories under priority sector have been reclassified as (i) Agriculture (2) Micro, Small and Medium Enterprises (iii) Export Credit (iv) Education (v) Housing, (vi) Social Infrastructure, (vii) Renewal Energy and (viii) Others. AGRICULTURE: Crop Loan: In South Goa district the cultivation of crops is a neglected sector and is mainly for subsistence purpose. Paddy is major food crop of the district followed by ground nut & ragi. The State Government has proposed a number of measures to revive the interest in agriculture and give an additional thrust to agriculture and activities allied to agriculture. Due to urbanization, high labor cost, high returns from tourism and fragmented land holdings has put agriculture in secondary state. The credit off take under crop loans is expected to increase by only 1.6% as compared to 2015-16.Agri & Allied Term Loans:The growth in agri. and allied term loans is hampered by lack of proper title deeds for creating mortgage and non availability of collateral security. The State Govt is now providing lot of subsidy to farmers and this may result in increase in terms loans in minor irrigation, land development, farm mechanisation, horticulture, dairying, fisheries etc. Minor Irrigation:Agriculture in the district is mostly dependent on the South West monsoon (3500 mm) from June to September. The average annual rainfall of the district is about 3110 mm. Only 37% of the gross cropped area of the district is irrigated and demand for creation of irrigation structures will rise in the coming years. Further, all the seven blocks in the district are classified under “Safe” category, allowing unrestricted exploitation of ground water.

Farm Mechanization:

(South Goa A C P 2016-17)

In view of the severe shortage and high cost of labour for carrying out agricultural activities, the Farm Mechanization is gaining importance in the district. State Government subsidy is available for power tillers, paddy transplants and other equipments like combine harvesters.Plantation/Horticulture:The agro climatic conditions of the District are conducive for cultivation of a variety of horticultural crops like cashew, coconut, areca nut, mango, oil palm, poly house culture of flowers and exotic flowers, vegetables, kokum, spices like pepper (inter-cropping), mushroom, etc. The subsidy scheme for poly houses for vegetables and fruits is an added attraction to go for such investments. Animal Husbandry – Dairy, Poultry, Goat & Piggery Development:After the introduction of the Kamdhenu Scheme, the Dairy unit has got a boost which provides 90% subsidy on cost of purchase of animals. There is ample scope for dairy farming in the District as around 50% of the present demand for milk in the State is met by importing milk from neighbouring states. Poultry, goat and piggery development is also on the rise. Fisheries Development:Fish is the chief component in the diet of 90% of the population of Goa and South Goa being a coastal block, fishing is one of the major activities. Three out of the seven blocks of South Goa district viz. Mormugao, Salcete, and Canacona are along the coastline occupying 60% of the total coastline of the State. State Government has announced some special schemes for installing power blocks on mechanized boats. Ne activities like marine and fresh water cage fisheries, mussel farming etc. which is expected to attract bank credit. Storage/Godowns/Market Yards:Promoting agriculture and allied activities have to be complemented by creation of adequate storage and marketing infrastructure. As there is little surplus in the district, requirement of storage facilities would be primarily for storing of perishables brought from other States and for storing of cashew to ensure continuous supply to processing industries. With the amendment of APMC, there are incentives for setting up of private market yards. Keeping this in view, a credit potential of Rs. 348.56 crores has been projected.Non-farm Sector:The sector consists of small scale industries, cottage & village industries, artisans, handicrafts, etc. The district offers good scope for setting up of industries, particularly ancillary industries and handicrafts. Adequate power supply and incentives provided by the State Govt. has been playing a crucial role in sustaining this sector. Besides, rural non farm sector holds the key to prevent migration of urban unemployed to urban areas.Other Priority Sector:


Service sector activities contribute the major portion of State’s GDP. Tourism and mining together are creating sizeable employment and capital formation in service sector activities like transportation, rural housing, hospitality, retail trade and business, communication, education, self employed, professionals etc. The new industrial policy is expected to have a positive impact on the future lending in the district and therefore a credit of Rs.1188.15 crores is allotted under this sector.

*****

BROAD SECTOR-WISE ACP PROJECTIONS (2016-2017)

(In lacs)Sr. Sectors Financial


No. Projections

A Farm Credit

i Crop production, Maintenance & Marketing 16818.12

ii Term Investment for Agriculture & Allied activities 19919.58

Sub Total

36737.70

B Agriculture Infrastructure 1737.54

C Ancillary Activities 1833.54

I Credit Potential for Agriculture (A+B+C) 40308.78

II Micro, Small and Medium Enterprises 136477.50

III Export Credit 33750.00

IV Education 10440.00

V Housing 74625.00

VI Renewable Energy 384.40

VII Others 2951.25

VIII Social Infrastructure involving Bank Credit 4916.25

Total Priority Sector (I to VIII) 303853.18


ANNUAL CREDIT PLAN: SOUTH GOA DISTRICTCHAPTER: I

DISTRICT PROFILE


South Goa district consist of seven blocks, 162 villages and one Zilla Panchayat. The district has two Revenue Sub-Divisions consisting of 5 blocks (Mormugao, Salcete, Quepem ,Ponda and Canacona) Sanguem and Dharbandora . There are 8 Municipal Councils at Canacona, Quepem, Vasco, Cuncolim, Curchorem, Margao, Ponda and Sanguem.

GEOGRAPHICAL LOCATION AND AREALocation:The geographical area of South Goa district is 2239 sq km covers around half of the Goa State situated at the West Coast of India. Boundaries:In the north by River Zuari, in the east by Belgaum district of Karnataka State, in the South by Uttar Kanara District of Karnataka and in the west by Arabian Sea.Topography: The altitude of landscape ranges between 20 mts. to 62 mts. above sea level.Hills and Rivers:There are many hills in Sanguem, Quepem and Canacona Talukas. There are two perennial rivers viz Zuari, Galgibag and three ephemeral rivers viz Sal, Saleri and Talpona. Climate:The Climate of the district is warm and humid. The temperature varies from 18 degree centigrade to 37 degree centigrade. Humidity on an average is 75.9 %.Rainfall: Heavy rains in the monsoon varying from 2900 mm. to 3100 mmPopulation:

i) Male 322463

ii) Female 318074

Total geographical area and area under forest:


i) Total Geographical Area 193677

ii) Forest 90431SOIL: Mostly laterite, sandy loam to silt loamLAND UTILISATION PATTERN: 1. Khazan Land: Low lying areas, often below sea level along the estuaries. Mostly paddy crop is grown in kharif followed by Rabi vegetable.2. Khar Land: - Low elevation above sea level having high water table. Sandy to sandy loam soil. Multiple cropping is undertaken through irrigation.3. Morod Land: - Upland terraced- field suitable for Horticulture & Plantation.

MAJOR CROPS GROWN DURING 2016-17

Sr.No.

Block Millets Paddy

Oilseeds Ground nut

Pulses

Area (Ha) Production Area(Ha)

Production

1 Sanguem 860 3035 - -

2 Dharbandora

3 Canacona 2518 8395 6 -

4 Quepem 3238 10543 14 -

5 Ponda 6192 22687 12 -

6 Salcete 420 1556 5 -

TOTAL 13228 46216 37 0

SUGARCANE


Sr no. BLOCK Area Production

1 Sanguem 513 28035.92

2 Dharbandora

3 Canacona 73.87 3883.14

4 Quepem 188.38 11165.25

5 Salcete 3.8 90.7

TOTAL 779.05 43175.01

IRRIGATION:All the 7 blocks in South Goa District are categorized as “Safe” in Ground water Development. As per the Master Plan for Development of Ground water prepared by the the Central Ground Water Board, 132.74 mcm of ground water potential could be exploited in the entire state. The Survey Report also indicates excellent groundwater properties in the laterite formation which forms most of the aquifer in the area. Small rivers, streams, tanks etc. provide good potential for small lift irrigation Schemes. The basins of Madai and Valvanta rivers are the main areas suitable for Lift Irrigation Projects. Out of the total cultivable area of 193677 lac ha, 23357 ha is under irrigation. District is having one major irrigation project namely Salaulim Irrigation Project and two medium irrigation Project namely Chapoli Irrigation Project and Paroda Irrigation Project with the total command area of 9686 ha. Area irrigated by wells is about 3774 ha. Keeping in mind the increasing demand for water, the Water Resources Department, Government of Goa also provides 50% subsidy for construction of roof top rain water harvesting schemes of individuals’ residential and commercial complexes. FISHERY There is large untapped potential in fisheries and aquaculture in the District. River length of 120 Kms is available for the fishery activity. Length of coastline is 104 kms. The total fishermen population of Goa is about 10545 of which 64% is located in South Goa. South Goa accounts for 58% of the marine catch of the State. There is ample scope for fishery in the district mainly marine fishing project and other medium projects. As per the district statistical data, the area brought under fisheries is as per below:


No of reservoirs: One major irrigation project : 2000 ha Water spread area suitable for fisheries : 100 ha.

TRANSPORT AND COMMUNICATION:South Goa is well connected by road, rail, sea and air. Two National highways viz. NH 17 and NH 4A pass through the district. The Konkan Railway and South Central Railway passes through the district which connects the district headquarters with Karnataka and Maharashtra. A major cargo handling Port is at Mormugao. Dabolim Airport connects the State with major cities in the country and also connects with many of the international cities.RAILWAYTotal length of Broad gauge railway line passing through the district is 55 kms. There are 8 major railway stations in the districts. The district head quarter is well linked with broad gauge railway line to major cities like Mumbai, Pune, Bangalore, Hyderabad, Delhi etc.AIRGoa is directly connected by air to major cities of India and internationally through Mumbai. It serves as an entry point for many tourists.POST AND TELEGRAPH There are 96 Post Offices and 6 Telegraphic Offices in the district. Out of total 158 villages, 70 villages are having post Office facility.MARKETING AND PROCESSING UNITS : There is one market yard at Margao and two super market yards at Curchorem and Canacona. There is one Sugar factory under co-operative sector at Dharbandora.INDUSTRIAL DEVELOPMENT:The State Govt has rolled out a new Industrial Policy viz “Goa Investment Policy 2014’ one of the objectives of the policy is to create 50000 jobs in the next 5 years and facilitating Rs.25000 crores of new investments in Goa. Industrial growth estates are located at Verna, Sancoale, Kakoda, Sanguem, Cuncolim, Canacona and Margao.

Location No. Of Units functioningEmployment Generated

Sancoale 138 2200


Verna 315 16000Kakoda 42 2000

Sanguem 1 140Cuncolim 83 1800Canacona 30 300Margao 113 1200TOTAL 722 23640

The main sources of employment in the district are tourism, mining, transport and export of ore. Large reserves of iron ore, manganese and bauxite are found in the district. The District is having potential of increase in cottage, Village industries, rural artisans, tiny Industries etc. The cottage industry mainly comprise wood carving, blacksmiths, carpenters, bamboo and cane works, coir work, handicrafts, embroidery /crochet, pottery etc. Agro processing units include cashew processing units and a cooperative sugar factory. INDUSTRIAL CLUSTER SCENARIO OF THE DISTRICT:There is no industrial cluster in the district.SPECIAL ECONOMIC ZONE (SEZ): There is no SEZ identified in the district. All the 13 Industrial estates are owned by Govt. of Goa and there is no Cooperative Industrial Estate in the District/State.


BANKING INFRASTRUCTURE:The District has good network of bank branches. The position of bank branches as on 31.03.2016 is as under:

Particulars Urban Semi-urban Rural Total

Commercial Banks - 196 138 334

District Central Coop Bank

- 56 22 78

TOTAL - 252 160 412

The area wise details of branches of Urban Cooperative banks are as under:

Name of the Co-operative Bank

Urban

Semi-urban

Rural Total

Bicholim Urban Co-op Bank Ltd.

- 4 0 4Citizen Co-op Bank Ltd. - 5 0 5Goa State Co-op Bank Ltd.

- 12 18 30Goa Urban Co-op Bank Ltd.

- 8 1 9Madgaon urban Co-op Bank Ltd.

- 7 0 7Mapusa Urban Co-op Bank Ltd.

- 6 3 9NKGSB Co-op Bank Ltd. - 3 0 3P&M Co-op Bank Ltd. - 3 0 3Saraswat Co-op Bank Ltd. - 4 0 4Shamrao Vithal Co-op Bank Ltd. 1 0 1TJSB Sahakari Bank Ltd. - 2 0 2GP Parsik Janata Sahakari Bank Ltd.

- 1 0 1

TOTAL - 56 22 78

BLOCKWISE BRANCHES OF BANKS IN SOUTH GOA DISTRICT AS ON 31.03.2016


Sr. No.

Name of the Bank (Total No. of branches in bracket)

SALC

ETE

QU

EPEM

MO

RM

UG

OA

SAN

GU

EM

CA

NA

CO

NA

DH

AR

BA

ND

OR

A

PON

DA

Total No.

Of

Branches

1 STATE BANK OF INDIA 14 5 11 1 5 2 8 462 STATE BANK OF MYSORE 1 0 0 0 0 0 1 23 STATE BANK OF TRVANCORE 1 0 0 0 0 0 0 14 STATE BANK OF HYDERABAD 0 0 0 0 0 0 1 15 ALLAHABAD BANK 1 0 1 0 0 0 1 36 ANDHRA BANK 1 0 1 0 0 0 0 27 BANK OF BARODA 11 0 3 1 0 0 2 178 BANK OF INDIA 10 1 5 1 1 1 5 249 BANK OF MAHARASHTRA 3 0 1 0 1 0 4 910 CANARA BANK 11 3 7 0 1 1 7 3011 CENTRAL BANK OF INDIA 10 3 2 1 1 0 1 1812 CORPORATION BANK 14 2 5 0 3 1 6 3113 DENA BANK 2 1 1 0 0 0 1 514 INDIAN BANK 2 0 2 0 0 0 1 515 INDIAN OVERSEAS BANK 10 1 3 0 0 0 4 1816 ORIENTAL BANK OF COMMERCE 1 0 1 0 0 0 1 317 PUNJAB NATIONAL BANK 1 0 2 0 0 0 2 518 SYNDICATE BANK 4 2 2 0 1 0 2 1119 UCO BANK 2 0 3 0 0 0 3 820 UNION BANK OF INDIA 4 0 1 1 0 1 1 821 UNITED BANK OF INDIA 1 0 1 0 0 0 0 222 VIJAYA BANK 2 0 1 0 0 0 1 423 IDBI BANK LTD 3 0 1 0 0 0 1 524 AXIS BANK LTD. 2 0 1 0 0 0 1 425 CATHOLIC SYRIAN BANK LTD. 1 0 0 0 0 0 0 126 DCB BANK LTD. 1 0 1 0 0 0 0 227 FEDERAL BANK LTD. 1 0 1 0 0 0 1 328 HDFC BANK LTD. 14 2 8 1 2 0 4 3129 ICICI BANK LTD. 8 1 3 0 1 1 2 1630 INDUSIND BANK LTD. 1 1 0 0 0 0 0 231 KARNATAKA BANK LTD. 1 0 1 1 0 0 1 432 KOTAK MAHINDRA BANK LTD. 1 0 1 0 0 0 0 233 RBL BANK LTD. 1 0 0 1 0 0 1 334 SOUTH INDIAN BANK LTD. 1 0 1 0 0 0 1 335 YES BANK LTD. 2 1 1 0 0 0 1 536 BICHOLIM URBAN COOP BANK LTD. 1 1 1 0 0 0 1 437 CITIZEN COOP BANK LTD. 2 0 1 0 1 0 1 538 GOA STATE COOP BANK LTD. 5 2 8 2 3 1 9 3039 GOA URBAN COOP BANK LTD. 4 1 2 0 1 0 1 940 MADGAON URBAN COOP BANK LTD. 5 0 0 1 0 0 1 741 MAPUSA URBAN COOP BANK LTD. 2 2 2 1 0 0 2 942 NKGSB COOP BANK LTD. 1 0 1 0 0 0 1 3


43 SARASWAT COOP BANK LTD 1 1 1 0 0 0 1 444 PMC CO-OP BANK LTD. 1 0 1 0 0 0 1 345 TJSB SHAKARI BANK LTD. 1 0 0 0 0 0 1 246 SHAMRAO VITHAL COOP BANK LTD. 1 0 0 0 0 0 0 147 GOPINATH PARSIK JANATA SAHAKARI BANK LTD. 1 0 0 0 0 0 0 1 TOTAL 168 30 89 12 21 8 84 412

LEAD BANK OFFICE, SOUTH GOA MARGAO GOANAME & TELEPHONE NUMBERS OF IMPORTANT AUTHORITIES IN THE DISTRICTSR.No

Name of Officer

Designation Office Phone

Fax Mobile No

1 Mr. Swapnil Naik

District Collector 0832-2705333

2733026

9422439439

2 Mrs. Pushpalata Arlekar

Chief Executive Officer (KVIB)

0832-2222494/221452

2222494

9822976967

3 Mrs. Shivani Nayak

Lead District Manager

0832-2733950

2733950

8806660196

4 Mrs Laura Britto

Project Director D.R.D.A

0832-2794240

2701628

8806001990

5 Mr. Damodar Morajkar

Asst. Director D.I.C

0832-2222241

2224116

9765085622

6 Mr. Raje S. Naik

Employment & Self Employment Guidance centre

0832-2706021

2706021

9420978532

7 Mrs. Geetha T

AGM Nabard 0832-2733603

2733603

9422442518

8 Mr. N.R Kulkarni

District information officer

0832-2223157

2224211

9423062177

9 Mr. V.B.Saxena

Joint Director,District Planning

0832-2225983

2424250

10 Mr. Shekar Prabhudessai.

Supt. Of Police 0832-2732218

2733864

7875756009

11 Mr. Elvis Gomes

Member Sec.,D.U.D.A.

0832- 2437210

2437094

9822388099

12 Mr. K. C. Behre

AGM (Lead Bank) SBI Mumbai LHO

022-26445239

26445207

7506921080

13 Mr. Carey Mascarenhas

Manager, RBI Panaji, Goa

0832-2438656

2438657

9503140942

15 Mr A.L. Meena

Project Director KVIC

0832-2223676

2223676

7597033908

CHAPTER – II


REVIEW OF PERFORMANCE

For effective and successful planning, periodical review of the progress made is essential. An analytical review of past performance is a guiding step in the preparation of Annual Credit Plan. Quarterly review of achievements is taken in DLCC meeting under Chairmanship of Hon’ble District Collector. Besides, it is also discussed in BLBC meetings. Keeping the developmental focus guidance is given with the current requirements and if necessary, corrective measures are also suggested. Timely review helps us-To find out credit absorption capacityTo identify various shortcomings and difficulties faced in the process of implementationTo initiate appropriate corrective measures for positive resultsThus proper review is a stepping stone to derive maximum benefits from resources set forth for deployment in different sectors of the economy. A detailed review of performance under credit plan is taken on following line:Overall performance under Annual Credit Plan

Sector wise Achievements Activity wise Achievement Agency wise Achievement

POSITION OF DEPOSIT & ADVANCES: (Amount in Crores)

31.03.2014 31.03.2015 31.03.2016

Deposits Advances CD Ratio Dep. Adv. CD

Ratio Dep. Adv. CD Ratio

18612 4674 25 22964 6078 26 29336 7997 27

*No RRB in the district/Goa State.OVERALL PERFORMANCE/ACHIEVEMENTS IN THE DISTRICT: Total Priority SectorThe position of overall achievement vis-à-vis targets for last three years is as follows: (Amount in Crores)

ParticularsACP 2013-

201431.3.2014

ACP 2014-1531.03.2015

ACP 2015-1631.03.2016

Target 1390.75 1547.31 2676.73Achievement 1141.90 1498.48 1973.05Percentage 82 96 73


SECTOR WISE ACHIEVEMENTS:The sector wise achievement under three major sectors viz. Agriculture, non-farm sector and other priority sector are presented below: (Amount in Crores)

SectorACP 2013-2014 ACP 2014-2015 ACP 2015-2016

31.03.2014 31.03.2015 31.03.2016Target Ach % Target Ach % Target Ach %

Agriculture 310.62 164.43 34 355.34 122.08 34 568.10 313.76 55

Non-Farm 150.01 128.02 85 169.41 131.71 78 286.57 266.58 93

OPS 930.06 849.44 91 1022.55 1244.67

122 1822.05 1392.7

1 76

TOTAL PSA 1390.69 1141.9 82 1547.3

11498.4

8 97 2676.73 1973.05 74

Comparative position of District Credit Plan is as under (Amount in Lacs)

Sr.No.

Sector / Year 2012-13 2013-14 2014-15 2015-16

%Increas

e

01 Agriculture 16368.57 31061.96 35534.30 56810.74 14

02 NFS 10662.45 15001.35 16941.07 28657.66 13

03 OPS 89324.45 93006.38 102255.83 182204.94 10

04 Total Priority 116355.47 139069.69 154731.20 267673.34 11

06 Grand Total 116355.47 139069.69 154731.20 267673.34 11

CHAPTER III


DEVELOPMENTAL PROGRAMMES IN THE DISTRICT

3.1 Development of Agriculture/Allied ActivitiesAgriculture is the second major activity in the district next to tourism. The following programmes/schemes are implemented in the district with the help of various agencies like Directorate of Agriculture, Department of Animal Husbandry and Veterinary Services, Fisheries Dept., Goa State Horticulture Development, Rubber Board, Goa Bagayatdar Co-op. Society, ICAR etc.The following programmes/schemes are implemented in the District.3.2. Agriculture3.2.1. Rubber PlantationThe climate and soil condition of Sattari and Bicholim Talukas are favorable for the growth of Rubber. The Rubber Board with its office at Ponda (Goa) promotes development of Rubber in Goa. High yielding stumps at subsidized rates and subsidy support for maintaining irrigation and plant protection are provided besides technical guidance. 3.2.2. Red Oil Palm PlantationThe South Goa district has been considered agro climatically suitable for oil palm cultivation which yields more income than the traditional plantation crop such as coconut, cashew etc. In order to encourage the farmers to adopt the new cropping pattern the Government of Goa in collaboration with M/s Godrej Soaps (P) Ltd is taking several measures to propagate this innovative plantation crop in the district. Approximately an area of 1200 Ha can be brought under cultivation of oil palm of which so far about 750 ha have been covered. Present production of fresh fruit & bunches is 1300 tones. The scheme is supported by subsidy. Directorate of Agriculture, Govt. of Goa has published a Booklet on Developmental Programmes of Department of Agriculture. 3.2.3. State/Centrally sponsored programme for the Development of Horticulture/ Cashew/CoconutUnder the State Plan Schemes for development of Horticulture financial assistance is available for development of all Horticulture crops, Area expansion under banana, promotion of mushroom etc. Subsidy assistance up to 5 lacs is also available for development of horticulture on commercial lines.Cashew is an important Horticulture crop of the district. From the year 1990 onward the Agriculture Department has been implementing rejuvenation and expansion programme under which subsidized quality grafts have been supplied to the farmers. This has resulted in the increased production of cashew per tree. Grafts supplied to the farmers are produced on Government farms and private nurseries recognised by the Government. Financial assistance for the cultivation of cashew is also given by the department.


3.2.4. Coconut Development Board schemeThis programme is introduced by the Coconut Development Board through Directorate of Agriculture. Minimum area of 0.2 ha is required to be covered. Assistance by way of subsidy is released after planting. Assistance for laying out demonstration plot and also for organic manure production unit in coconut gardens is also provided. 3.2.5. National Horticulture Mission SchemeThe programmes under National Horticulture Mission scheme are extended to Goa with 100% assistance from the Govt. of India the programme provides assistance for the following components:

Assistance for establishment of Nursery Assistance for establishment of new gardens Assistance for cultivation of flowers Spices and medicinal crops Plantation and coastal agricultural crops such as cashew Rejuvenation of senile plantation Protected cultivation Promotion of Integrated Pest Management Promotion of Organic farming HRD - Human Resource Development Vegetable Minikits Post Harvest Management

3.2.6. Integrated Cereal Development Programme (Rice), National Pulses Production Programme and Oilseed Production Programme:These programmes provide incentives on input cost, training with stipend, support for pest management, minikits, seed subsidy and field demonstration programmes.3.2.7. Development of Sugarcane Based Cropping System AreasUnder this programme input assistance is given for laying demonstration on advance technology in sugarcane cultivation in the farmers' fields and also to raise sugarcane nursery. Special assistance is also available for creating minor irrigation structures, pumps, pipelines and transport subsidy for getting seed material/tissue culture plantlets from outside states.3.2.8. Central Govt. Sponsored Schemes implemented by NABARDThe Govt of India has introduced several credit linked subsidy schemes for the agriculture sector. The schemes which are implemented through NABARD in the State/District are given below: Capital Investment Subsidy Scheme for construction/ modernization /expansion of cold storages and storages for horticultural produce.Capital Investment Subsidy scheme for construction/renovation/ expansion of rural godowns.


Rain Water Harvesting Scheme for SC/ST farmersScheme for development/strengthening of agricultural marketing infrastructure, grading and standardization:Capital investment subsidy scheme for commercial production units of organic inputs under National Project on Organic FarmingScheme for women SHG3.2.9. National Agricultural Insurance SchemeNational Agricultural Insurance scheme is implemented in the State from Rabi 1999-2000 seasons and is extended for the ensuing Kharif 2013-14 season. The notified crops are Paddy, Pulses, Ground nut & Sugarcane. The scheme provides insurance cover to the farmers in the event of failure of crops as a result of natural calamities, pest and diseases. The loanee as well as non-loanee farmers growing these crops can be covered under the scheme.3.3 Animal Husbandrya) Dairy Developmentb) Poultry Developmentc) Sheep, Goat & Pig RearingThe Department of Animal Husbandry & Veterinary Services, Govt. of Goa is the key agency involved in the development of the above activities in the State/district. For Dairy it implements two major Schemes (i) Modern Dairy Scheme and (ii) The Kamdhenu Sudharit Scheme which provide subsidy for purchase of the animals for cultivation of fodder and for constructions of cow sheds. Subsidy is also given for calf rearing. It also provides excellent veterinary services through 4 hospitals and 10 dispensaries and 33 key village sub-centers. The other facilities provided are supply of cattle feed and marketing facilities for the dairy products produced. It also implements a special calf rearing scheme which provides 100% assistance in the form of feed for calf. The other agency involved is the Goa State Coop. Milk Producers Union Ltd. which procures milk from the neighboring State to meet the shortfall. Govt of Goa has set up 38 Dudh Grams in the rural areas which will help the farmers for all their needs at the nearest place.3.4 Poultry Development/Sheep, Goat Pig RearingThe Department provides subsidy for establishing layers/broilers poultry farms in the State. The State has also 3 hatcheries (1 State Government & 2 Private Sector). Besides the Veterinary aid it also conducts training programmes.

3.5 Development of FisheriesThe Department of Fisheries promotes fisheries in the State. Another agency involved is the Brackish Water Farmers Development Agency which has been (South Goa A C P 2016-17)

set up under the UNDP assistance. The Department of Fisheries provides subsidy for the purchase of mechanized fishing boats, hulls & nets, for purchase of outboard/inboard motors etc. It also provides training, storage facilities as well as creates the necessary infrastructure like constructions of jetties etc.3.6. Development of Industries/Small Scale Industries, Tiny & Village Industries, Rural Artisans etc.The Goa Industrial Dev. Corporation has been established for the purpose of creating the infrastructure for rapid and orderly establishment of industries in the State. The following institutions also have important role to play.Dept. of Industries, Trade & CommerceEconomic Development Corporation (EDC)Goa Handicrafts Rural & Small Scale Industries Development CorporationKhadi and Village Industries Commission (KVIC)/ Khadi and Village Industries Board (KVIB)MSME – DI3.7 Development of TourismGoa with its scenic beauty and enchanting coastline and rich cultural heritage has the right tourism profile for an ideal tourist destination. The State Tourism Department and the Goa Tourism Development Corporation play major role in the development of Tourism in the State jointly with other Government Department like PWD, Water Works Dept. etc.The forest department has been identified as a Nodal Agency for promoting eco-tourism in the State. The Govt of Goa is positioning the state under Medical Tourism.3.8 National Biogas Dev. ProgrammeThis programme is implemented by the Department of Agriculture and KVIC in Goa. The State Govt. also gives subsidy in addition to the Central subsidy3.9 Forester & Wasteland Development The Forest Department has launched two projects on medicinal plants which are fully funded by the Govt. of India. Under in-situ conservation, over 75 ha of forest areas was covered with Medicinal Plant species and 15 ha farmland under ex-situ conservation through the motivation of farmers and involvement of local people. To create awareness on medicinal plants demonstration plots of medicinal plants have been established at the Forest Training School Campus at Valpoi in the North Goa district. The Govt. of Goa has also introduced the Joint Forest Management (JFM) activity through Goa Forest Development Corporation. The JFM activities are mainly introduced for cashew production and it has been decided that in every year 10% of the area for cashew plantation is to be covered under Care & Share scheme. Eco-tourism is also promoted through Forest


Department.3.10 Government Sponsored SchemesThe following Government Sponsored Schemes are implemented in the District through Banks:

Sr. No. Name of Scheme Implementating Agency

1 NRLM/GSRLM DRDA, Govt. of Goa2 NULM GSUDA/Municipal Councils3 Kamdhenu Dept. of Animal Husbandry& Vet.

Services, Govt. of Goa4 PMEGP DIC, KVIB, KVIC3.11 The Corporations set up by Govt. of GoaFollowing schemes implemented in South Goa district are not routed through Banks. The Corporations set up by Govt. of Goa are implementing the same.

Sr. No. Name of Scheme Implementing Agencies1 Chief Minister Rojgar Yojana

(CMRY)Economic Development Corporation (EDC)

2 1)Ashraya Adhar Yojana2)Self Employment Scheme

Goa State Scheduled Tribes Finance and Development Corporation Ltd.

3 1)Term Loan Scheme2)Samrudhdhi Yojana3)Swarnim Yojana4)Education Loan5)Mahila samrudhdhi Yojana for SHGs

Goa State Scheduled Castes and Other Backward Classes Finance and Development Corporation Limited.

3.12 New and Innovative Schemes that can be implemented in the districtThe district is having wide scope in horticulture & fisheries activities. A number of new and innovative schemes can be implemented in District. This will not only diversify lending portfolio of banks but will also open-up avenues for expanding their banking business in future. The few Schemes are identified by NABARD & those are as under:1. Agro/ Fruit Processing units.2. Mushroom culture.3. Nursery and Floriculture.4. Stall Fed Goatery Units.5. Units under Non-Farm Sector.6. Brackish Water Fisheries Development.7. Inland water Fisheries Development.8. Marine product processing units.


9. Financing to Self Help Groups (SHG).10. Financing through Non-Government Organisation (NGO).11. Dry Land Farming.12. Farm Mechanization.13. Plantation & Horticulture.14. Cyber Information Centre (ITC).15. Storage Godown & Market Yard.16. Venture Capital.17. Agri Clinic Agri. Business Centres.18. EMU Farming.The Banks may explore the possibilities of implementing suitable scheme in their operational area. Further details and any assistance required may be sought from Dist. Development Manager, NABARD, or Lead District Manager. 3.13 Model scheme relevant for South Goa District Cashew ProcessingConsidering the area under cashew cultivation in South Goa, Cashew processing enjoys immense potential as employment generating activity with capital employment and availability of raw material locally in the district. Cashew processing is labour oriented unit. The requirements of Cashew processing are as under:

Sr. No. Particulars Details1 Required Machinery Oven, Boiler, Cashew seed cutter, Steam

separator, Humidity Chamber.2 Labour 1 skill worker, 1 unskilled worker, 5 female

workers as bean peeler.3 Area required for

processing1500 Square Feet with shed and 5000 cu. Feet, for storage of raw material and finished goods.

4 Water & Power Water 500 Lt. & Electricity 5 horse power.5 Furniture Workshop & Office furniture costing

Rs.30000.006 Cost of Machinery Rs.2 lac, including packing machinery.7 Working Capital Raw material, finished goods, Sundry Debtors

& miscellaneous would be approx. Rs.1,00,000.00

8 Long term investment in Raw material

The cashew seeds available in only 3 months i.e. mid February to Mid May during the year. The storage of raw material for the entire year requires approx. Rs.5,00,000.00

9 Wages & Salary Rs.40,000/- per month10 Inspection Building & workshop Rs.15,000.00 Plant &

Machinery Rs.20,000/-


11 Monitoring and repair of fixed assets.

Depreciation building Rs.15,000/- Plant & Building Rs.20,000/-

12 Administrative cost Includes staff salary, power charges, travelling & transport cost.

13 Total Funds requirement

Total requirement of Long term capital and working capital would be Rs.10 lac.

14 Means of Finance 10% margin money 90% loan. There is subsidy available from KVIC.

15 Net Surplus 25 per cent to the capital employed.

3.14 KAMDHENU SCHEME” (SUDHARIT)Government of Goa has introduced Kamdhenu scheme (Sudharit) strictly based upon the applicant fulfilling the following conditions:

The applicant has to be bona fide resident of Goa for at least 05 years. Shall possess a Pucca cattle shed with cement flooring for housing the

animals proposed to be reared. Undertake to strictly stall feed the animals and not allow open grazing. New entrants should compulsorily undergo two week practical training

on Government Farms.

CHAPTER – IV


ARRANGEMENT FOR SUPPORTING FACILITIES AND AGENCIES/DEPARTMENTS’ RESPONSIBILITIES THEREFOR AND INFRASTRUCTURAL DEFICIENCIES AS INDICATED IN SERVICE AREA PLANS4.01 Block Level Bankers Committee set up in each block in South Goa District periodically reviews the infrastructure facilities available to the financial institutions and suggests improvements in the existing facilities, if necessary. Block Level Bankers’ Committee meetings are attended by BDOs and Extension Officers of the respective blocks. The development of any sector/economic activity depends not only on credit but equally on the availability of infrastructural arrangements, marketing facilities, backward and forward linkages, etc. Deployment of credit without adequate backward and forward linkages, marketing facilities and infrastructural facilities ultimately leads to high level of non-performing assets thereby defeating the basic purpose of development programmes. 4.02 Details of infrastructure support presently available from various Government Departments to the priority sector are given below: 4.02.01 Agriculture: Crop ProductionThe Directorate of Agriculture plays a major role in promoting agriculture in the district. The Directorate functions through its Zonal Agricultural Offices located in each block. The infrastructure facilities provided by the Agricultural Department are:Extension services and technical guidanceAssistance for creation of irrigation source, subsidy on drip irrigation etc.:

I. Package demonstration in paddy, groundnut and pulses.II. Subsidy on quality seed of pulses and groundnut.III. Quality and high yielding vegetable seeds and demonstrations by supply of vegetable kits.IV. Training at farmers’ field on Integrated Pest Management and also

demonstration of insect traps using specific lures for different pests.V. Assistance for construction of Biogas plants to encourage use of

Non- Conventional Sources of Energy. VI. Package for cashew, which includes supply of grafts, fertilizers and

pesticides over a period of 3 years at Rs.6300/- per ha.VII. Package for Oil Palm cultivation in form of seedling, fertilizer etc of Rs.20,900/- per ha over a period of 4 years. VIII. Quality planting materials for Coconut, Mango, Chickoo, Spices,

Ornamentals.IX. Agriculture machinery on custom service to the farmers.X. Subsidy for purchase of agriculture machinery and equipments.


XI. Facility for farmers training and study tours.XII. Facility for testing soil at their Soil testing Laboratories at Ela and

Margao Goa.4.02.02 Minor Irrigation & Land Development

I. The Department of Agriculture, Government of Goa provides subsidy for creating irrigation sources to the farmers. The investment items generally included under the scheme are wells, pump sets and sprinklers, etc.

II. The water users’ societies are established for the optimum utilization of scarce water from the Salaulim Irrigation Project. The Agriculture Department has also selected 27 micro watersheds for implementation on the Tenth Five Year Plan Period in Goa. Development of these watersheds has been entrusted to 6 PIAS, 4 in North Goa and 2 in South Goa and 391 SHGs been formed by 21 watershed Associations. The Dept. has also identified and revitalized 97 ponds in Goa with the help of Tenants’ Associations and SHGs

III. And water conservation scheme is implemented by Department of Soil Agriculture to protect agricultural land from erosion, saline water and deposition of mining rejects, etc.

IV. Assistance in the form of subsidy is also being provided to the farmers for construction and maintenance of protective bunds.

4.2.3 Farm Mechanization

Farm machinery is kept at the disposal of the Zonal Agricultural Office of each block. The said machinery is available to the farmers on hire basis at reasonable rates.4.02.04 Animal Husbandry & Poultry Farming

Infrastructural facilities are available with Directorate of Animal Husbandry and Veterinary Services and other development agencies. 4.02.05 Fisheries Development

The infrastructure facilities available from the Directorate of Fisheries are elaborated at Chapter III para 3.44.02.06(a) Co-coordinating Agenciesi) GHRSSIDC ii) IDC iii) SIDBI iv) IFCI v) Directorate of Industries & Mines/ District Industries Centre


vi) KVICvii) KVIBvii) SISIviii) NABARD ix) ICARx) DRDAs xi) GSUDA4.02.06(b) Support provided a) The Indian Council of Agricultural Research (ICAR) provides support to various agricultural activities and various types of incentives are also provided to the farmers in modernizing farming.b) NABARD provides guidance and support in forming Farmers Club (VVV) and Self Help Groups (Present strength of SHGs is 1974 as on 31/03/2016) in South Goa District.c) The District Rural Development Agency and District Industries Centre provide training facilities through various programmes conducted through recognized training institutes/technical institutes in the State/SISI.d) Under Public Money Recovery Act 1986, District Recoveries Officer (DRO) takes necessary action in recovering the dues of commercial banks at par with revenue dues. The defaulted SGSY cases are to be filed with Project Officer (Recovery) DRDA.

CHAPTER VFINANCIAL INCLUSION

1. Introduction


Financial Inclusion may be defined as the process of ensuring access to timely and adequate credit and financial services by vulnerable groups such as weaker sections and low income groups at an affordable cost. A sizable majority of the population, particularly the low-income groups, continues to remain excluded from the opportunities and services provided by the financial sector. The SLBC in Goa had declared Goa to be cent percent financially included.2. Basic Savings Bank Deposit Accounts (BSBDA) (Earlier No Frill Accounts)

In the Mid Term Review of the Policy (2005-06), RBI advised the banks, with a view to achieving greater financial inclusion, to make available a basic banking ‘No frills’ account either with ‘NIL’ or very minimum balances as well as charges that would make such accounts accessible to vast sections of the population. The nature and number of transaction in such accounts would be restricted and made known to customers in advance in a transparent manner. 3. Business Facilitator (BF) / Business Correspondents (BC)I. Under the “Business Facilitator” model, banks may use intermediaries, such as NGOs /farmers clubs, cooperatives, community based organizations, IT enabled rural outlet of corporate entities, Post offices, insurance agents, well functioning panchayats, Village Knowledge Centres, Agri Clinics/ Agri Business Centers, Krishi Vigyan Kendras and KVIC/KVIB units, depending on the comfort level of the bank, for providing facilitation services. Such services may include: (i) Identification of borrowers and fitment of activities; (ii) Collection and preliminary processing of loan applications including;Verification of primary information/data;(iii) Creating awareness about savings and other products and education and advice on managing money and debt counseling; (iv) Processing and submission of applications to banks; (v) Promotion and nurturing Self Help Groups/ Joint Liability Groups; (vi) Post-sanction monitoring;(vii)Monitoring and hand holding of Self Help Groups/ Joint Liability Groups/ Credit Groups/ others; and (viii) Follow-up for recovery.II. Under the “Business Correspondent” Model, NGOs/ MFIs set up under societies \Trust Acts, Societies registered under Mutually Aided Cooperative (South Goa A C P 2016-17)

Societies Acts or the Cooperative Societies Acts of States, Section 25 companies, registered NBFCs not accepting public deposits and Post Offices may act as Business Correspondents. The scope of activities to be undertaken by the Business Correspondents will include: (i) disbursal of small value credit; (ii) recovery of principal\ collection of interest; (iii) collection of small value deposits;(iv) sale of micro insurance \ mutual fund products\ pension products \

other third party products and(v) Receipt and delivery of small value remittances \ other payment

instruments.4. Micro insurance

i. Micro insurance is a term used to refer to insurance characterized by low premium and low caps or low coverage limits, sold as a part of typical risk-pooling and marketing arrangements and designed to service low-income people and business not served by typical social or commercial insurance schemes. Micro-insurance is offered for wide variety of risks. These include both health risks (illness, injury or death) and property risk (damage or loss);ii. The Department of Commissioner of Labour through NGOs implements Janashri Bima Yojana in the district. The scheme provides life insurance protection to the rural and urban poor persons below poverty line and marginally above the poverty line. The premium under the scheme is Rs.200/- per annum per member. The member will contribute 50% of the premium i.e. Rs.100/- and/or Nodal Agency/State Government and the Balance 50% will be born by the Social Security Fund. In the event of Death (other than by accident) of the member, an amount of Rs.20, 000/- is payable. In case of Permanent partial disability, due to accident, an amount of Rs.25, 000/- is payable.5. DIRECT BENEFIT TRANSFER (DBT):Government of India has decided to introduce Direct Benefit Transfer (DBT) into the Bank account of the beneficiary under various programmes. In the first instance, Direct Benefit Transfer was taken up w.e.f. 1.1.2013 in 51 pilot districts for various welfare schemes being implemented such as MGNREGA, Fertilizer Subsidy, Scholarship, LPG subsidy, etc. Now additional 78 districts have been added. South Goa districts are one of it.Banks have played an important role on the Direct Benefit Transfer. The concerned Departments/Agencies have also provided details of the beneficiaries, along with amounts to be credited.(South Goa A C P 2016-17)

Bank has opened new accounts as well as seeded aadhar card no to the existing accounts.For this over 1400 camps were held by banks on working days as well as on Sundays/ holidays. Camps were also conducted with the help of administration (administration at doorsteps) also providing adequate number of different access point (Branch, ATM/CD, BCAs, etc.) to enable the beneficiary to withdraw the money as per his ease and convenience.i. Coverage of South Goa District Under DBT:South Goa is one of the districts under additional 78 districts for distribution of scholarships/ incentives/ subsidy for 29 schemes. However, in South Goa the District Administration have allotted 6 schemes and the list of beneficiaries have been given to Lead District Manager (LDM), South Goa for distribution among member Banks. LDM has since distributed the list of beneficiaries among member Banks. All Banks are advised to ensure that cent percent beneficiaries have Bank account and also ensure that the beneficiaries account is seeded with Aadhaar number on priority. The position of coverage should be reported to LDM, South Goa by all Banks at weekly interval as per the format already provided. All Banks ensured that adequate publicity in given in their area of operations to create awareness among the public for seeding of Aadhaar number to the bank account. At present Goa is in the fourth position in India as far as aadhar seeding is concerned with 91 % coverage. ii. Mapping of Sub Service Areas (SSAs) with Gram Panchayats:

Lead District Manager (LDM), South Goa has already allotted the SSAs with Gram Panchayats to the entire member Banks for coverage through BCAs/CSPs. All Banks are advised to cover these SSAs immediately and confirm to LDM at the earliest to enable him to confirm to DFS, New Delhi.iii. Active/ Inactive BCAs/CSPs:

Though all the unbanked FIP villages with population above 2000 and 1600 to 2000 as per 2001 census were covered by BCAs/CSPs, it is observed that in many FIP villages the BCAs/CSPs are inactive and not performing. In view of the DBT payments, the presence of BCAs/CSPs in the FIP villages is essential not only to open the accounts but also to effect payments of the benefits credited to the accounts of the beneficiaries. All Banks are therefore required to activate or replace the BCAs/CSPs at the earliest and confirm to LDM.

CHAPTER VI

BANK-WISE/AGENCY-WISE/BLOCK-WISE/SECTOR-WISE/ACTIVITY-WISE CREDIT PLAN


(FOR PRIORITY SECTOR LENDINGS INCLUDING PHYSICAL ASPECTS)

As per the procedure prescribed by Reserve Bank of India, the Annual Credit Plan for the year 2016-17 is prepared as per the revised modalities.The Pre- PLP meeting was convened which was attended by representatives of Banks, Govt. Agencies etc to elicit views and to ascertain the Credit Potential available in the District and give their views and priorities and credit requirements in the District Credit Plan 2016-17. Accordingly PLP 2015-2016 prepared by NABARD and on the basis of PLP Annual Credit Plan for 2016-17 is prepared.Changes in Service Area Approach (SAA)/Annual Credit Plans I. The Service Area Approach scheme was reviewed by RBI from time to time and appropriate changes were made in the scheme to make it more effective. RBI have advised that it has been decided to dispense with the restrictive provisions of the scheme, while retaining the positive features of the SAA such as credit planning and monitoring of the credit purveyance. Accordingly, the following changes have been made in the scheme:i) The allocation of villages among the rural and semi-urban branches of the banks shall not be applicable for lending, except under Government Sponsored Schemes. While the commercial banks and RRBs will be free to lend in any rural and semi-urban area, the borrowers will also have the choice of approaching any branch for their credit requirements.ii) Consequently, the requirement of obtaining 'No due certificate' from the Service Area branch for lending by non-Service Area branch would also stand dispensed with. However, banks at their discretion may take steps considered necessary to avoid multiple financing.II. Annual Credit PlanUnder instructions from RBI the modalities for preparing the Annual Credit Plans have undergone a change. From the year 2006-07 the ACPs are based on the Potential Linked Plans (PLPs) prepared by NABARD. DDM of NABARD and LDM will guide the BLBC in finalizing the plan ensuring that the Block Credit Plan is in tune with the potentials identified activity-wise and even in respect of Government sponsored programmes, the credit planned is within the activity-wise overall potential.As regards the monitoring/reporting aspects, NABARD has been requested to review the SAMIS reporting systems and to intimate necessary modification/changes in the SAMIS.The Profile of various blocks in the South Goa District is given in the annexure. The PLPs prepared by NABARD containing Block-wise/ Activity-wise potential of Rs 3038.53 crores as shown below:

(Rs. in lacs)Sector DCP

2015-16DCP

2016-17


Agri. Crop Loans 24197.46 16818.12Agri. Term Loans 32613.28 19919.58Sub Total Agri. 56810.74 36737.70Agriculture Infrastructure 1737.54Ancillary Activities 1833.54Credit Potential for Agriculture (A+B+C) 40308.78Micro, Small and Medium enterprises 28657.66 136477.50Export Credit 33750.00Education 10440.00Housing 74625.00Renewable Energy 384.40Other Priority Sector 182204.94 2951.25Social Infrastructure involving Bank Credit

4916.25

Total 267673.34 303853.18*Ponda Block is added to South Goa for ACP 2016-17

The accepted PLP was advised to the controllers of Banks, who in turn were advised to circulate the accepted Block-wise potentials to their branches. These were also discussed at BLBC meetings.The computerized plan outputs of the credit plans prepared and submitted by the bank branches in format LBR-1 i.e. Service Area Credit Plans (SAP) and LBR-U1 i.e. Credit Plan-Semi-urban branches (Non Service Area -CPU) are annexed to this chapter.PRADHAN MANTRI JAN DHAN YOJANAThe Pradhan Mantri Jan Dhan Yojana was announced by Hon. Prime Minister on 15th August, 2014. The scheme was launched on 28th August, 2014 at Delhi by Hon. Prime Minister and in Goa State by Hon. Chief Minister, Goa State. The 320 villages (NG 188 + SG 132) and 253 wards (NG145 +SG 108) with 3,45,105 households (1,32,630 in villages & 2,12,475 in wards) were allotted to Banks having Core Banking Solutions platform for survey and opening of accounts i.e. one account per household.With the State Government focusing on E - Governance and Benefit Transfer only to Bank Accounts, amongst the 3,45,105 total households almost 2,50,000 households were covered under various State Government Schemes (e.g. Dayanand Samajik Suraksha (DSS) Pension Yojana , Ladali Laxmi, Graha Aadhar etc.) and with none of the areas unbanked, Goa State had already achieved banking coverage of almost 90% of the households. The number of Savings Banks accounts in Goa State in all banks together is more than 22,00,000 (i.e. 1.46 accounts per head or 6.37 accounts per household).


To aggressively tap and cover the remaining households, banks arranged camps in the villages and wards so as to reach the people for financial literacy and opening accounts. 1,055 camps were arranged since launching the scheme till 20.10.2014 and total accounts opened are 60,028 with issuance of RuPay cards to 24,248 accounts. The 48 Bank Mitra of various banks were also rendering the banking services to the villagers in Goa State.Advertisement was published in the leading newspapers. Radio jingles were played in Konkani and Marathi for one month. A scrolling advertisement was also displayed on local cable networks for one week. Wide publicity was made by providing banners in villages and wards by Banks.A toll free help line (1800-233-3202) was also started by State Level Bankers' Committee, Goa, from 9.30 a.m. To 5.30 p.m all seven days a week. The nature of calls received at the call center was to know about the PMJDY Scheme and RuPay card. All the banks completed the survey in the villages and wards in Goa State on 23.10.2014 and ensured that each household is having at least one account in a Bank on CBS Platform.Certificates were also obtained from the Village Panchayats, Municipal Councilors stating conduct and completion of survey and coverage of all households with at least one account per household. A notice was also published in all the leading newspapers and scrolling advertisement was run on cable networks in Goa from 24.10.2014 to 31.10.2014 regarding any leftover household without bank account.The flow of calls at the call center has reduced to average 2 to 5 calls per day which was average 60 to 70 calls per day in the beginning.Considering the above, on 07.11.2014, Hon. Chief Minister, Goa State has announced the Goa State as FIRST State to achieve the First Phase of opening of accounts per households under Pradhan Mantri Jan Dhan Yojana.

LIST OF RETURNS REQUIRED TO BE SUBMITTED UNDER LEAD BANK SCHEME

Particulars of the

Statement

Form No.

To be Prepared

as on

Frequency

By Submission to

Time Frame

Service Area Credit Plan

LBR-1 31st

DecemberYearly Branch Dist. Co-

ordinatorBefore 31st

January every year


(SAP) LBR U-1

31st

DecemberMonthly Branch Dist. Co-

ordinatorBefore 31st

January every year

Service Area Credit Disbursal

Scroll

LBR 2 Last day of the month

Monthly Branch District Coordinator/

Lead District

Manager

Within 7 days from the close

of the month.

Non Service Area Credit

Disbursal Scroll

LBRU2 Last day of the quarter

Quarterly By Semi

Urban/ Urban Branch

es

District Coordinator/

Lead District

Manager


of the quarter

Service Area Recovery & Outstanding

Statement (SAR)

LBR 3 Last day of the quarter

Quarterly Branch District Coordinator/

Lead District

Manager


of the quarter

Service Area Recovery & Outstanding

Statement (SAR)

LBR-U-3

Last day of the quarter

Quarterly By Semi

Urban/ Urban Branch

es

District Coordinator/

Lead District

Manager


of the quarter

Outstanding advances under priority Sector and Weaker

Section

LBS 1 Last Friday of the

quarter

Quarterly Branch District Coordinator/

Lead District

Manager


of the quarter

-do- (consolidated)

LBS 2 Last Friday of the

quarter

Quarterly Dist. Co-

ordinator

Lead District

Manager


of the quarter

Progress of implementation

of all Govt. Sponsored Schemes

GSP Last day of the Month

Monthly Branch District Coordinator/

Lead District

Manager

Within 7 days from the end of the Month

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


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