Meetings Haryana/Agenda 140th... · Web viewHowever deaths due to accidents will be exempted from the Lien Clause. Accordingly, the revised consent cum enrolment form for PMJJBY with

The 140th meeting of State Level Bankers’ Committee (SLBC) Haryana to review the performance of banks for the period ended 31st March, 2017 would be held on 18.05.2017 (Thursday) at 10.30 A.M. at Hotel Mount View, Sector 10, Chandigarh. Following issues shall be taken up for discussions in the meeting:-

AGENDA ITEM NO. 1

CONFIRMATION OF MINUTES OF 139th MEETING OF STATE LEVEL BANKERS' COMMITTEE (HARYANA) HELD ON 15.02.2017

Last Meeting of SLBC 139th Held on 15.02.2017Minutes Emailed/Circulated on 10.03.2017Comments Received Nil

In view of non-receipt of any observation/suggestion on the minutes of 139 th meeting of SLBC circulated vide email dated 10.03.2017, the house may confirm.

AGENDA ITEM NO. 2

INCENTIVIZING DIGITAL PAYMENTS-DIGI DHAN MELAS

Government of India in order to promote digital payments and to encourage consumers, merchants to increasingly shift to digital payment modes i.e UPI, e-wallet, Aadhaar Enabled Payment System, Cards & POS etc. has launched scheme to reward consumers and merchants, who are using/have used digital transaction modes after 8th

November, 2016 which has been framed by Niti Aayog. The scheme drafted by Niti Aayog is operational with the first draw of winners held on 25.12.2016, leading upto 14th April, 2017. Niti Aayog has the overall responsibility for carrying out promotional activities for the scheme, oversight of the scheme and coordination amongst various

Agenda & Background Papers of 140th Meeting of SLBC Haryana Page 1

140th Meeting of State Level Bankers’ Committee (Haryana)

agencies that are responsible for execution of the scheme. Banks have to make arrangement for the following activities:

Opening of Bank accounts. Seeding of Aadhaar and Mobile Number in the account. Merchant registration for acquisition of POS. Distribution of Prepaid cards, debit cards. Assistance in downloading and usage of various digital payments

apps etc.

For Digital India, ‘Go Cashless Go Digital’ is the basic principal.8 Such camps at Narnaul (23.12.16), Gurgaon (26.12.16), Nuh (18.01.17), Sonepat (31.01.17) and Ambala (31.01.17), Panchkula (18.02.17), Faridabad (28.02.2017) and Karnal (09.03.2017) have already been held in the State of Haryana.Member banks are requested to continue above activities in a mission mode on continuous basis for achieving the Digital India and making cashless society drive of Govt. of India a grand success.

AGENDA ITEM NO. 3.1

DIGITAL SAKSHARTA ABHIYAN (DISHA)-CASHLESS SOCIETY DRIVE OF GOVT. OF INDIA

Ministry of Electronics & Information Technology, Govt. of India vide their communication dated 1st December,2016 has informed that CSC e-Governance Services Ltd. (CSC SPV) is launching a programme to mobilize and enable digital payment options across 2.5 lakh gram panchayats, targeting 30 interested merchants and 100 citizens in each Gram Panchayats. Each merchant will be given a two hour structured course, and his/her bank account will be seeded with Aadhaar and mobile number.

CSC Village Level Entrepreneurs (VLEs) will contact merchants potentially desirous of shifting to digital finance, train them and where feasible, help them source devices. CSC Village Level Entrepreneurs will also demonstrate the possibilities of enabling Aadhaar Enabled Payment System (AEPS).


Member Banks/LDMs are requested to take all steps and extend full cooperation to the representative of CSC/their DMs for successful holding of camps for shift to cashless society.

AGENDA ITEM NO. 3.2

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

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

Further, It has been decided by NABARD to extend financial support of maximum Rs.6000/- (Rs. Six Thousand only) from Financial Inclusion Fund (FIF) for deployment of PoS Terminals in one lakh villages in Tier 5-6 Centres, subject to a cap of two PoS devices per village.

During the deliberations of Ist meeting (2017-18) of Steering Committee to SLBC Haryana held on 02.05.2017, representative of NABARD informed that NABARD has sanctioned financial support for 6099 POS machines amounting to Rs.3.66 crore as per the details given below:-

S.No. Institution No. of Villages No.of Machines

Amt (Rs.)

1. Commercial Banks

1889 2881 1,72,86000

2. Cooperative Banks

718 718 43,08,000

3. RRBs 2100 2500 1,50,00,000


Total 4707 6099 3,65,94,000

Controlling heads of banks are requested to ensure that the POS Machines are installed in the villages and financial assistance is claimed from NABARD accordingly. They are also requested to ensure submission of the progress made in this area to SLBC Haryana Secretariat for review in the forthcoming meetings.The house may discuss.AGENDA ITEM NO. 4.1

LAUNCHING OF BHIM APP FOR ON LINE PAYMENTS

In order to steer India towards a digital economy, Hon’ble Prime Minister has launched a new e-wallet app, BHIM, named after founding father of Indian Constitution, Dr B.R. Ambedkar, to make it easier to transact online. The Aadhaar-based mobile payment application will allow people to make digital payments directly from their bank accounts.

In the recently held video conference with banks which was Chaired by Secretary (FS), the following issues are raised by NPCI:-

BHIM had been adopted by all banks except the Associate Banks of SBI (now SBI).

Sponsor banks have been asked to ensure that RRBs too are on-boarded as they cater to the rural population and BHIM includes USSD 2.0 which is of particular relevance in rural areas.

The representatives of SBI and SHGB are requested to apprise the house about the latest development in this regard.AGENDA ITEM NO. 4.2

BHIM-CASHBACK SCHEME FOR MERCHANTS & BHIM-REFERAL BONUS SCHEME FOR INDIVIDUALS-SUPPORT FROM FINANCIAL INCLUSION FUND

Department of Financial Inclusion & Banking Technology, NABARD, Mumbai vide their Circular No.98/DFIBT-20/2017 dated 26th April, 2017


addressed to the Chairman & Managing Directors of Scheduled Commercial Bank and Regional Rural Banks have informed that the Government of India seeks to encourage citizens to move towards digital economy by incentivizing the individuals and merchants.

01. To popularize BHIM App for digital transactions, GOI has launched two schemes namely (i) BHIM-Cash Back Scheme for Merchants (to be referred as BHIM Cashback) and BHIM-Referral Bonus Scheme for Individuals (to be referred as BHIM Referral).

02. The schemes were launched on 14th April, 2017 and incentives are available for six months. Details of the two schemes are annexed as Annexure No.1 (P 123-131).03. Fund under the scheme will be provided by NABARD from Financial Inclusion Fund (FIF).04. Axis Bank will operate as the banker for NABARD for implementing the scheme.05. Axis Bank would be authorized to release the fund to respective banks, based on information received from NPCI, on a daily basis in case of BHIM referral and monthly basis in case of BHIM Cashback.06. For Referral Bonus Scheme for Individuals, the fund will be released on a daily basis.07. For Cashback Scheme for Merchants, the funds will be released on monthly basis as envisaged in the scheme.

Controlling heads of the banks are requested to promote the above schemes.AGENDA ITEM NO. 5

IMPLEMENTATION OF PRADHAN MANTRI JAN-DHAN YOJANA (PMJDY)

5.1 STATUS OF OPENING OF ACCOUNTS UNDER PMJDY

Banks have opened 60,10,106 accounts up to 31.03.2017 under PMJDY since its launching on 28.08.2014. Controlling heads of banks are requested to advise their field staff to continue opening more and more accounts under PMJDY and ensure that no person in the State of Haryana remains unbanked. Banks should also encourage opening of accounts of children/students.Detail of Accounts opened under PMJDY upto 31.03.2017 is as under:-


Total Accounts Opened : 60,10,106

Rural Areas : 29,88,137 (49.7%)Urban Areas : 30,21,969 (50.3%)Sr. No.

Parameter Name of the Bank

1 Top 3 Banks Punjab National Bank (11,64,043), State Bank of India (8,76,085) and Sarva Haryana Gramin Bank (8,16,433)

2. Bottom 3 banks

Bank of Maharashtra (30,386), Vijaya Bank (23818) and Kotak Mahindra Bank (5075)

Total Accounts Opened as on 31.12.2016 : 56,75,611 Incremental : 3,34,495

Sr. No.


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

State Bank of India (1,31,571), Bank of Baroda (56,490) and Punjab National Bank (45,504)

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

Bank of Maharashtra (777), Syndicate Bank (667) and Punjab & Sind Bank (16)

3. Banks with Negative growth IDBI Bank (-3215), Sarva Hayana Gramin Bank (-362) and Kotak Mahindra Bank (-120)

Point for Discussion: Controlling Heads of all banks but specially Bank of Maharashtra, Syndicate Bank, Punjab & Sind Bank, IDBI Bank, Sarva Haryana Gramin Bank and Kotak Mahindra Bank to advise their field functionaries to continue opening of new accounts under PMJDY as progress during the quarter ended March, 2017 was not satisfactory/upto the mark.


Bank wise/District wise position of opening of accounts is given on Annexure No. 2.1-2.4 (P 132-135).

5.1 (i)-PMJDY-OPENING OF ACCOUNTS-CONVERSION OF SMALL ACCOUNTS TO BASIC SAVING BANK DEPOSIT ACCOUNTS (BSBDA)

The Director, FI, DFS, MOF, GOI, New Delhi vide their office letter dated 30th Sept., 2016 informed that various Ministries/Departments of Government of India and some State Governments are facing problems in transfer of benefits in certain schemes due to restrictions imposed (restrictions on withdrawl of amount more than Rs.10000/-, balance in the accounts not to exceed Rs.50000/- at any point of time, credit transactions limit not to be more than Rs.1 lakh in one year) in the Small accounts.As per RBI guidelines, these small accounts would be valid normally for a period of twelve months. Thereafter, such accounts would be allowed to continue for a further period of twelve more months, if the account holder provides a document showing that she/he has applied for any of the officially valid document within twelve months of opening of the small account.In view of the above, it has been 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”.The house may discuss.

AGENDA ITEM NO. 5.2

ISSUANCE OF RUPAY CARDS

Out of 60,10,106 accounts opened under PMJDY, Rupay Cards have been issued in 52,73,427 accounts as at 31.03.2017, which is 87.7% of the total accounts opened. Rupay Cards Issued as on 31.12.2016 : 48,39,816

Incremental 4,33,611


The %age of issuance of Rupay Cards against the number of accounts opened under PMJDY in respect of the following banks is 80% & above:-

Sr. No.

% of issuance of Rupay Cards

Name of the Bank

1 80% & above Allahabad Bank (80%), Andhra Bank (88%), BOB (97%), BOI (99.5%), BMB (100%), Canara Bank (83%), CBI (82%), Corporation Bank (95%), Dena Bank (83%), IDBI (87%), Indian Bank (87%), IOB (95%), OBC (91%), PNB (85%), PSB (88%), SBBJ (96%), SBI (85%),State Bank of Travancore (94%), SBHYD (98%), SBOP (89%), Syndicate Bank (89%),UCO (96%),Vijaya Bank (91%),Axis Bank (85%), Federal Bank (89%), HDFC Bank (99.99%), ICICI (100%), Indusind Bk (98%), J&K Bank (90%), Kotak Mahindra Bank (96%), South Indian Bank (92%), Yes Bank (81%) and Sarva Haryana Gramin Bank (88%).

2. Less than 50% Karnataka Bank (20%), Bank of Maharashtra (46%), Nainital Bank (29%), State Bank of Mysore (31%) and Karur Vysya Bank (18%)

Top 3 and bottom 3 banks with their performance under issuance of Rupay Cards are as under:-

Sr. No.


1 Top 3 Banks ICICI Bank (100%), HDFC Bank (99.99%) and Bank of India (99.5%)

2. Bottom 3 banks

Nainital Bank (29%), Karnataka Bank (20%), and Karur Vysya Bank (18%)

Point for Discussion: Controlling Heads of Nainital Bank, Karnataka Bank and Karur Vysya Bank are requested to advise


their field functionaries to ensure 100% issuance of Rupay Cards in the PMJDY accounts as performance of their banks as at March, 2017 was not satisfactory/upto the mark.Top 3 and bottom 3 districts with their performance under issuance of Rupay Cards are as under:-

Sr. No.


1 Top 3 Districts Karnal (91%), Jind (91%) and Yamuna Nagar (90%)

2. Bottom 3 Districts

Sirsa (84%), Bhiwani (81%), and Narnaul (79%)

Point for Discussion: Lead District Managers of Sirsa, Bhiwani and Narnaul are advised to ensure 100% issuance of Rupay Cards in the PMJDY accounts as performance of their respective District as at March, 2017 was not satisfactory/upto the mark.Bank wise/District wise status of issuance of Rupay Cards is given on Annexure No. 3.1-3.2 (P 136-137).The house may discuss.

AGENDA ITEM NO. 5.3

ZERO BALANCE ACCOUNTS

Out of total accounts 60,10,106 opened under PMJDY, 10,47,369 accounts are zero balance accounts, which is 17.43% of the total accounts opened.Zero Balance as on 31.12.2016 10,07,939Incremental 39,430Sr. No.

% of Zero Balance A/cs

Name of the Bank

1 Less than 10% Canara Bank (7%), Vijaya Bank (7%), PNB (6%),


CBI (4%), SHGB (3%) PSB (0.22%), SBBJ (0.20%), SBoM (0%), Karnataka Bank (0%), KVB (0%),

2. More than 50%

Catholic Syrian Bank (86%), Federal Bank (66%), Kotak Mahindra Bank (53%), Yes Bank (52%)

Top 3 and Bottom 3 banks with their performance under Zero Balance Accounts under PMJDY are as under:-

Sr. No.


1. Top 3 banks(Minimum Zero Balance A/cs)

Punjab & Sind Bank (0.20%), SBBJ (0.20%), Sarva Haryana Gramin Bank (3%), Central Bank of India (4%) and Punjab National Bank (6%)

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

Catholic Syrian Bank (86%) Federal Bank (66%) and Kotak Mahindra Bank (53%)

Point for Discussion: Controlling Heads of Banks of Catholic Syrian Bank, Federal Bank and Kotak Mahindra Bank are requested to advise their field functionaries to minimize the Zero Balance PMJDY Accounts as %age of Zero Balance accounts of their banks as at March, 2017 was very high and not upto the mark.

Top 3 and bottom 3 districts with their performance under Zero Balance accounts are as under:-

Sr. No.


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

Rohtak (12%), Bhiwani (10%) and Rewari (10%)

2. Bottom 3 Districts (Maximum Zero

Faridabad (30%), Fatehabad (22%)


Balance A/cs and Gurugram (20%) Point for Discussion: Lead District Managers of Faridabad, Fatehabad and Gurugram are advised to make efforts to improve the performance of banks in their respective district in minimizing the zero balance PMJDY accounts as their performance as at March, 2017 was not satisfactory/upto the mark.Bankwise/District wise Position is given on Annexure No. 3.1-3.2 (P 136-137).The house may discuss.

AGENDA ITEM NO. 5.4

ACTIVATION OF RUPAY CARDS

As per the data received from banks it has been observed that out of 52,73,427 Rupay Cards issued upto 31.03.2017, 44,70,928 cards have been activated which is 84.8% of the total Rupay Cards issued. Out of total 52,73,427 Rupay Cards issued, 6,46,936 Rupay Cards have been issued in Zero Balance accounts and out of this 2,85,350 Rupay Cards have been activated.Rupay Cards Activated as on 31.12.2016 : 38,69,444

Incremental 6,01,484

Sr. No.

% of Rupay Cards Activated

Name of the Bank

1 Above 85% activation

Allahabad Bk (99%), BOB (90%) BOM (100%), BMB (100%), Canara Bank (88%), IOB (93%), SBI (86%) PNB (85%), PSB (99.5%), SBBJ (99.9%), SBHYD(100%), UBI (95%), UCO Bank (100%), Axis Bank (90%), ICICI Bank (100%), J&K Bank (100%), Karnataka Bank (90%) and Sarva Haryana Gramin Bank (100%)

2 Less than 50% Activation

Dena Bank (39%), IDBI Bank (39%), SBoM (24%), Federal Bank (33%), Kotak Mahindra Bank (37%) and Yes Bank (34%)


3 Zero % Activation

Karur Vysya Bank

Bankwise/District wise Position is given on Annexure No. 3.1-3.2 (P 136-137).Top 3 and bottom 3 banks with their performance under Activation of Rupay Cards are as under:-

Sr. No.


1 Top 3 Banks Bank of Maharashtra (100%), Sarva Haryana Gramin Bank (100%), ICICI Bank (100%) and UCO Bank (100%)

2. Bottom 3 banks

Karur Vysya Bank (0%), Yes Bank (34%) and Federal Bank (33%)

Point for Discussion: Controlling Heads of Karur Vysya Bank, Yes Bank and Federal Bank are requested to initiate necessary steps for 100% activation of Rupay Cards issued in PMJDY Accounts as performance of their bank as at March, 2017 was not upto the mark.

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

Sr. No.

Parameter Name of the District

1 Top 3 Districts Bhiwani (90%), Mewat (89%) and Narnaul (88%)


Jhajjar (73%), Kaithal (78%), and Jind (80%)

Point for Discussion: Lead District Managers of Jhajjar, Kaithal and Jind are advised to accelerate their efforts to achieve 100% activation of Rupay Cards in the PMJDY accounts as performance of their respective District as at March, 2017 was not satisfactory/upto the mark.


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

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

The house may discuss.

AGENDA ITEM NO. 5.5

AADHAAR SEEDING AND MOBILE NUMBER SEEDING IN OPERATIVE SAVING FUND ACCOUNTS

Govt. of India had advised to complete Aadhaar seeding and mobile number seeding in all Saving Bank accounts by 30.04.2017. AADHAAR SEEDING IN OPERATIVE SAVING BANK ACCOUNTS

As per the data received from banks it has been observed that out of 2,70,35,222 operative Saving Fund Accounts, Aadhaar number has been seeded in 1,91,70,888 accounts (71%) and 78,64,334 accounts are yet to be seeded with aadhaar number of the accountholders.

Sr. No.

% of Aadhaar Number Seeded in Operative Saving Bank Accounts

Name of the Bank

1 80% & above Punjab National Bank (92%), UCO Bank (80%) and Sarva Haryana Gramin Bank (84%)

2 50% or less Federal Bank (16%), ICICI Bank (34%), J&K Bank (31%), Karnataka Bank (40%), Karur Vysya Bank (39%), Kotak Mahindra Bank (45%), Nainital Bank (14%), South Indian Bank (19%) and Yes Bank (46%)


3 Districtwise Data not submitted by

HARCO Bank and Catholic Syrian Bank

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

Sr. No.


1 Top 3 Banks Punjab National Bank (92%), Sarva Haryana Gramin Bank (84%) and UCO Bank (80%)

2. Bottom 3 banks Federal Bank (16%), South Indian Bank (19%) and Nainital Bank (14%)

Point for Discussion: Controlling heads of all banks are requested to ensure to achieve 100%age Aadhaar seeding in operative Saving Bank Accounts.

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

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

Sr. No.


1 Top 3 Districts Fatehabad (82%), Sirsa (80%) and Kurukshetra (79%)


Gurugram (55%), Jhajjar (67%), and Panchkula, Sonepat and Faridabad (69%)

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


Bankwise/Districtwise Position is given on Annexure No.4.1-4.2 (P 138-139)MOBILE NUMBER SEEDING IN OPERATIVE SAVING BANK ACCOUNTS

As per the data received from banks it has been observed that out of 2,70,35,222 operative Saving Fund Accounts, mobile number has been seeded in 1,91,94,072 accounts (71%) and 78,41,150 accounts are yet to be seeded with mobile number of the account holders.

Sr. No.

% of Mobile Number Seeded in Operative Saving Bank Accounts

Name of the Bank

1 80% & above Allahabad Bank (83%), Bank of India (81%), Bank of Baroda (88%), Bank of Maharashtra (87%), Canara Bank (86%), IDBI Bank (96%), IOB (82%), UCO Bank (83%), United Bank of India (81%), Axis Bank (96%), Federal Bank (95%), HDFC Bank (100%), Indusind Bank (92%), Karnataka Bank (93%), South India Bank (86%) and Yes Bank (100%)

2 50% or less Sarva Haryana Gramin Bank (33%)3 Data not submitted

byCentral Bank of India, Catholic Syrian Bank, Karur Vysya Bank and Harco Bank.

Bankwise/Districtwise Position is given on Annexure No.4.1-4.2 (P 138-139)Top 3 and bottom 3 banks with their performance in Mobile Number Seeding in Operative Saving Bank accounts are as under:-

Sr. No.


1 Top 3 Banks HDFC Bank (100%),Yes Bank (100%), IDBI Bank & Axis Bank (96%),

2. Bottom 3 Sarva Haryana Gramin Bank (33%), Andhra


banks Bank (55%) and Punjab & Sind Bank (54%)

Point for Discussion: Controlling heads of all banks are requested to ensure to achieve 100% Mobile number seeding in operative Saving Bank Accounts.

Controlling Heads of Andhra Bank, Punjab & Sind Bank and Sarva Haryana Gramin Bank are requested to initiate necessary steps to improve the performance of their bank in seeding of Mobile Number in Operative Saving Bank Accounts as performance of their bank as at April, 2017 was not upto the mark and requires more efforts from the field functionaries.Top 3 and bottom 3 districts with their performance in mobile number seeding in operative Saving Bank accounts are as under:-

Sr. No.


1 Top 3 Districts Gurugram (84%), Faridabad and Panchkula (77%)


Sonepat and Jind (64%), Bhiwani (55%)

Point for Discussion: Lead District Managers of Sonepat, Jind and Bhiwani are advised to accelerate their efforts to achieve 100% seeding of mobile number in operative saving bank accounts of their respective District as at March, 2017 it was not satisfactory/low.

AGENDA ITEM NO. 5.6

CLAIMS RECEIVED AND SETTLED UNDER RUPAY CARDS

Parameter Unit Accident Claim

Natural Death Claim

Claims Recd. No. 161 142Amt. (Rs. In lacs)

161 42.60


Claims Lodged

No. 161 141Amt. (Rs.In lacs) 161 42.30

Claims Settled

No. 130 119Amt. (Rs.In lacs) 130 35.70

Bank wise Position is given on Annexure No.5.1-5.2 (P 140-141)

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

In order to make public more aware about the benefits of insurance under Rupay Cards issued in PMJDY, PMSBY, PMJJBY, it is suggested that in addition to the services of bank mitras and FLC Counselors for creating awareness amongst the masses for lodgement of claims, the local leaders, Sarpanches and officials of the Department of Registrar of Births and Deaths, be involved for the awareness programme.

LDMs are requested to ensure that a notice in the office of Registrar of Births and Deaths and at the site of cremation ground is put up for disseminating the benefits of insurance under Rupay Cards issued in PMJDY accounts and PMSBY, PMJJBY etc. as well.AGENDA ITEM NO. 5.7

AADHAAR SEEDING IN PMJDY ACCOUNTS

Out of 60,10,106 accounts opened under PMJDY upto 31.03.2017, aadhaar have been seeded in 47,59,089 accounts which i.e 79% of the total accounts opened under the scheme upto 31.03.2017. The Government of India and State Govt. are implementing various DBT and Social Security schemes through bank accounts linked with


Aadhaar to ensure that the benefits reach the genuine/actual beneficiaries.Detail of aadhaar seeding in the accounts opened under PMJDY upto 31.03.2017 is as under:-Total Accounts Opened under PMJDY: 60,10,106

Rural Areas : 29,88,137 (49.7%)Urban Areas : 30,21,969 (50.3%)Aadhaar Seeding in the A/cs opened under PMJDY: 47,59,089 (79%)

Rural : 23,96,051 (80.2%)Urban : 23,63,038 (78.2%)

Aadhaar Seeded as on 31.12.2016 : 43,91,846

Incremental : 3,67,243

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

S.No.

% of Aadhaar Seeding

Name of the Bank

1. 85% and Above Bank of Baroda (89%), Bank of India (89%), Canara Bank (85%), Indian Bank (88%), IOB (85%), PSB (93%), SBBJ (97%), SBT (100%), SBHYD (99%), UCO Bank (90%), Vijaya Bank (91%), Karur Vysya Bank (95%), South Indian Bank (93%) & Sarva Haryana Gramin Bank (85%)

2. Less than 50% Bhartiya Mahila Bank (42%), SBoM (0%), Axis Bank (43%), Federal Bank (31%) and Nainital Bank (25%)


Bank wise/District wise status of Aadhaar seeding is given on Annexure No. 2.3 & 2.4 (P 134-135).

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

Sr. No.


1 Top 3 Banks State Bank of Travancore (100%), State Bank of Hydrabad (99%) and State Bank Bikaner & Jaipur (97%)

2. Bottom 3 banks

State Bank of Mysore (0%), Federal Bank (31%), Nainital Bank (25%)

Point for Discussion: Controlling Heads of SBI (erstwhile State Bank of Mysore), Federal Bank and Nainital Bank are requested to initiate necessary steps to improve the performance of their bank in seeding of aadhaar in PMJDY Accounts as at March, 2017 it was not satisfactory and requires concerted efforts for improvement.

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

Sr. No.


1 Top 3 Districts Sirsa (84%), Kurukshetra and Ambala (83%) 2. Bottom 3

DistrictsGurugram (73%), Jhajjar and Jind (75%)

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


AGENDA ITEM NO. 5.7(i)

FEASIBILITY OF CLEANSING OF DUPLICATE/MULTIPLE ACCOUNTS OPENED UNDER PMJDY

The issue of examining the feasibility of cleansing of duplicate/multiple accounts opened within same bank and interbank was discussed in the 4th meeting of Steering Committee to SLBC Haryana held on 03.02.2017 in which the Associate Vice President of National Payment Corporation of India (NPCI) also participated. The house deliberated that though presently Aadhaar seeding is 77% as at 31.12.2016, however, due to opening of multiple PMJDY accounts by the depositors in different banks the further percentage in Aadhaar seeding is not increasing. In case Aadhaar seeding of depositors of multiple PMJDY in different banks is taken into account it may be more than 90%. The matter for cleansing of Duplicate/multiple accounts opened under PMJDY was also discussed in 137th Meeting of SLBC and as decided in the meeting representative of National Payment Corporation (NPCI), Sh. Sanjoy Kumar Mukherjee, AVP was requested to attend 4th meeting of Steering Committee to guide the bankers about ways to increase Aadhaar seeding and to tackle issue of seeding adhaar in multiple accounts.

Sh. Mukherjee apprised that for mapping of Aadhaar seeding with NPCI there are two steps i.e. seeding of Aadhaar number in CBS system of the bank and linking of Aadhaar seeded account with NPCI. In NPCI mapping, Aadhaar number, Name of the bank and when it was seeded at last is taken into account. In case of fresh seeding of same Aadhaar number in another bank account, it overrides the previous Aadhaar seeded account of same depositor; however, this will not be overridden in case of PMJDY Overdraft account.

After the 139th meeting of SLBC Haryana held on 15.02.2017, representative of NPCI also briefed the SLBC member banks and LDMs about the Standard Operating Procedure for seeding of Aadhaar in CBS and its mapping with NPCI.

Controlling heads of banks are requested to advise their field functionaries to follow the steps of seeding of Aadhaar number in CBS


system of the bank and mapping of Aadhaar seeded account with NPCI.


AGENDA ITEM NO. 5.8

MICRO ATMs

Upto 31.03.2017, banks have provided 2280 Micro ATMs to their BCAs. Convener bank has also provided 497 Micro ATMs to its BCAs. This will enable the account holders to swipe their ATM Cards at BCA locations and they will not have to go to the far flung areas for swiping the ATM cards. Besides, 6374 ATMs installed by all the banks in the state of Haryana are also taking care of swiping of cards.Bank wise/District wise status of providing of Micro ATMs is given on Annexure No. 3.1 & 3.2 (P 136-137).The house may review.

AGENDA ITEM NO. 5.9

DEPLOYMENT AND WORKING OF BCAs

In Haryana at all 3244 SSAs (Sub Service Area), the banking service is being provided either by the branches or by BCAs. Out of 3244 SSAs, 1247 SSAs are covered by branches and 1997 by BCAs. In the State of Haryana 2259 BCAs have been appointed against the requirement of 1997 BCAs. Indian Bank and Punjab & Sind Bank have to appoint 1 BCA each in addition to their existing BCA network. The concerned banks are again requested to appoint the BCA without any further delay.

Bank wise status of providing of BCAs is given on Annexure No. 6 (P-142).


AGENDA ITEM NO. 5.9 (i)

ENGAGING VILLAGE LEVEL ENTREPRENEURS (VLEs) AS BUSINESS CORRESPONDENT AGENTS (BCAs)

A Special Meeting on engagement of Atal Seva Kendras (ASKs)/VLEs in place of inactive BCAs of banks in the state of Haryana was convened


by Institutional Finance & Credit Department, Govt. of Haryana under the Chairmanship of Shri P.Raghavendra Rao, IAS, Additional Chief Secretary, Finance & Planning Department, Govt. of Haryana in his chamber on 5th April, 2017. The meeting was attended by the following participants:

1. Shri A.K. Dargan, Zonal Manager, PNB, Haryana Zone & Convener, State Level Bankers’ Committee, Haryana

2. Madam Kiran Lekha Walia, Financial Advisor, IF&CC, Haryana 3. Sh. S.D. Sharma, Chief Manager, SLBC Haryana4. Sh. Pardeep Goyal, Sr. Manager, SLBC, Haryana.5. Sh. Rajesh Deswal, Project Manager, HARTRON, Govt. of Haryana6. Sh. Ashish Sharma, Manager (State Head Haryana), CSC e-

Governance Services India Ltd.During the deliberations on the issue of engaging Village Level Entrepreneur (VLE) as BCAs/Bank Mitras in the State of Haryana, it was deliberated that Ministry of Finance, Govt. of India had made policy to appoint one bank mitra on the basis of minimum 1000-1500 households as per the geographical locations of the area in order to make the work of Bank Mitra viable. The Govt. also had the objective that the unemployed youth/people living in rural areas will get the meaningful employment to work as a BCA. Accordingly, Sub-Service Areas (SSAs) were carved out by the LDMs consisting of 1-3 villages based on the available population in these villages. After the launch of PMJDY on 28.08.2014, the State of Haryana obtained saturation on 22.12.2014 by opening minimum one account of each household and after covering all unbanked people. At the time of saturation about 31.58 lakh accounts of remaining unbanked persons were opened under PMJDY in the State thus covering 48.58 lakh households of the State. About 20%of the total accounts were opened in the branches and remaining accounts were opened by the BCAs by approaching the unbanked people at their doorstep in far-flung/rural areas. During the period of about 2 and half years, the banks/SLBC have organized many training camps for nurturing of Bank Mitras and for equipping them with the technology. BCAs have also put in hard work day in and day out in covering all the unbanked population and the process is still continuing. During the course of time, the BCAs have earned goodwill and reliability with the people living in the allocated SSAs. Today, many BCAs are earning the income from commission varying from Rs.10000-


Rs.20000/-on monthly basis and they have made their job viable after putting in vigorous efforts. Now, if VLEs are engaged as BCAs in the same area the income of the BCAs will be hampered, this will also dampen the spirit of providing banking services at the doorstep of rural masses and may derail the existing established process. Further, the existing viable BCAs may become as non viable. Moreover, in the State of Haryana the system of extending the banking services through Bank Mitras has been almost streamlined as 2229 BCAs have been deployed by various banks. The State of Haryana could accomplish the task of opening of more than 24 lakh accounts their aadhaar seeding as well, of Social Justice Pension beneficiaries in the record time of 2 months only through the concerted efforts of BCAs and the pension is also being smoothly disbursed through this system.Keeping in view the above issues, in various meetings of SLBC Haryana Controlling heads of banks were requested to identify the inactive BCAs and replace them with the VLEs appointed by Govt. of Haryana. In this context, Punjab National Bank has identified 14 inactive BCAs and requested the ACS, Finance, Govt. of Haryana to advise the concerned department to suggest the CSC which is Corporate BC/the service provider for VLEs to Govt. of Haryana to contact Financial Inclusion Section of SLBC Haryana Secretariat to complete the formalities as per system and procedure of our bank.In the aforesaid meeting held on 5th April, 2017 it was apprised that as already discussed in earlier meetings the following technical issues may be faced by the banks:-

Banks are working through Corporate BC Model now in various areas. Who will monitor/control these VLEs if engaged as BCAs.

BCAs are provided Micro ATM at their own cost with monitoring/Control by Corporate BC.

One of the security/safety aspects is that through Micro ATMs BCA are provided access to the Data base of the banks with Real time transactions. Corporate BC have proper control/monitoring upon all BCA with proper MOU/Agreement at bank’s Corporate Level.


BCA provides banking services at the doorsteps of the masses, whereas as per prevailing practice the VLE will provide the banking services from the stationary/fixed location as he is also to deliver numerous of other services to the masses from the specified/fixed location.

Whether these VLEs will work exclusively for one bank or on the behalf of other banks too.

Many VLEs are also situated where banks have already branches where the bank cannot engage these VLEs as BCA.

That the viability of existing BCA will be affected if the VLE is engaged as an additional BCA in the same SSA.

The BCA network is operated by each bank through Corporate BC and Corporate BC of each bank is different.

It was opined that making all VLEs of Atal Sewa Kendra (ASKs) as BCAs would adversely affect the existing business of BCAs and thus may make it unviable. While concluding HARTRON & CSC e-Governance Services India Ltd. was advised to contact Corporate Offices of the banks for engagement of Atal Seva Kendras (ASKs)/VLEs in place of inactive BCAs of banks in the state of Haryana keeping in view the above technical points discussed in the meeting. SLBC was also advised to provide the list of inactive BCAs to CSC e-Governance Services India Ltd for their further necessary action.The house may discuss.

AGENDA ITEM NO. 5.10

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

Hon’ble Prime Minister launched 3 Social Security Schemes namely Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan


Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) from Kolkatta on 09.05.2015 to provide insurance benefit to the families of affected persons and for old age security.5.10 (i) Pradhan Mantri Suraksha Bima Yojana (PMSBY)-The scheme is a one year cover, renewable from year to year, Accidental Insurance Scheme offering insurance on accidental death and disability cover for disability on account of an accident. The scheme is being offered/administered through Public Sector General Insurance Companies (PSGICs) and other General Insurance Companies.All Saving bank account holders in the age group of 18-70 years can enroll themselves in participating banks on payment of an annual premium of Rs.12/- renewable on year to year basis.

Up to 31.03.2017, banks have enrolled 25,47,596 persons under the scheme and 25,15,388 (99%) records have been uploaded by banks.Persons Enrolled as on 31.12.2016 : 25, 05,062

Increase : 42,534

Bank wise/District wise Progress is given on Annexure No.7 (P-143)/9A (P-146)

5.10 (ii) Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)-The scheme is being implemented through LIC of India/other insurance companies willing to offer product on similar terms with necessary approvals and tie ups with banks for this purpose. Under the scheme all saving bank holders with the age-group of 18-50 years can enroll themselves to avail benefits of the scheme on payment of annual premium of Rs.330/-. Under the scheme Rs. 2 lacs is payable on member’s death due to any reason. Details of the scheme are available on PMJDY website and with all banks. DFS, MOF, GOI vide their letter No. F.No.H-12011/2/2015-Ins.II dated 20.05.2016 have informed amendment in rules for implementation of PMJJBY. It has been decided by the competent authority to incorporate a lien clause in the rules of PMJJBY with effect from Ist September, 2016: whereby claims for deaths which occur during the first 45 days from the date of enrollment will not be paid. The risk cover will


commence only after the completion of 45 days from the date of enrollment into the scheme by the subscriber. However deaths due to accidents will be exempted from the Lien Clause. Accordingly, the revised consent cum enrolment form for PMJJBY with lien clause incorporated, effective from 01.06.2016. All banks and Insurance companies are requested to initiate necessary action in order to ensure availability of the revised form for enrolment under PMJJBY.Up to 31.03.2017, banks have enrolled 8,12,391 persons under the scheme and 7,53,761 (93%) applications have been uploaded by banks. Persons Enrolled as on 31.12.2016 : 7,95,662

Increase : 16,729

Bank wise/District wise Progress is given on Annexure No.8 (P-144)/9A (P-146)CLAIMS RECEIVED AND SETTLED UNDER PMSBY & PMJJBY

Parameter Unit PMSBY PMJJBY

Claims Recd. No. 748 1713Amt. (Rs. In lacs) 1487 3426

Claims Lodged No. 739 1710Amt. (Rs.In lacs) 1469* 3420

Claims Settled No. 498 1455Amt. (Rs.In lacs) 994 2910

*It includes claims for partial disability lodged by PSB & SHGB

Bank wise/District wise Progress is given on Annexure No.10.1-10.2 (P 147-148) 5.10 (iii) Atal Pension Yojana (APY) - Keeping in mind the concern about the old age income security of the working poor, to focus on encouraging and enabling them to save for their retirement, to address the longevity risks among the workers in unorganized sector and to encourage them to voluntarily save for their retirement, the


Government of India launched this pension scheme namely Atal Pension Yojana (APY). The scheme is being administered by Pension Fund Regulatory and Development Authority (PFRDA) through NPS Architecture.Under APY, there is guaranteed minimum monthly pension for the subscribers ranging between Rs.1000/-to Rs.5000/- per month. The benefit of minimum pension will be guaranteed by Govt. of India.All bank account holders which are citizen of India and in the age-group of 18-40 years can join APY and avail benefits of the scheme on payment of subscription according to their entry age and required minimum monthly pension ranging between Rs.1000/-to Rs.5000/- per month.

Complete details are available with the participating banks and on the website of PFRDA and PMJDY as well.Up to 31.03.2017, banks have enrolled 1,02,991 persons under the scheme and 1,00,165 (97%) records have been uploaded by banks. Persons Enrolled as on 31.12.2016 : 86,302

Increase : 16,689

Bank wise/District wise Progress is given on Annexure No.9 (P-145) /9A (P-146)

To maximize the enrollment under the above 3 newly launched social security schemes, 116 town hall meetings at district, tehsil headquarters and bigger towns have been organized by Lead District Managers in association with LIC of India since inception of the scheme in which banks also participated.The detail of Town Hall Meetings held at District/Tehsil Head Quarter and various towns in Haryana is given on Annexure-11 (P-149).


AGENDA ITEM NO. 5.11 (i)

PRADHAN MANTRI MUDRA YOJANA (PMMY)-PROGRESS DURING THE YEAR ENDED MARCH, 2017

Micro Units & Development Agency Ltd. (MUDRA) was launched by the Hon’ble Prime Minister of India on 8th April, 2015 as a new financial entity for developing and refinancing last mile financial intermediaries like banks, NBFCs and MFIs etc. who are in the business of lending to smaller of the micro enterprises in manufacturing, trading and service sector. On the same day Pradhan Mantri Mudra Yojana was launched to “fund the unfunded” by bringing such enterprises to the formal financial system and extending affordable credit to them.It is felt that there is a need to give a special boost to bank finance to this segment on a mission mode, considering enormous task in reaching to the large number of such units, currently excluded from the formal credit.This segment mainly consisted of non-farm enterprises in manufacturing, trading and services whose credit needs are below Rs.10.00 lakh. The MUDRA loans have been classified as under:-

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


Institution wise progress under PMMY for the FY 2016-17 is as under:-

Amt. Rs. In lacs

Scheme Public Sector Banks

Private Sector Banks

RRBs Total

SHISHU

Ach.- No. of A/cs 32009 64028 8287 104324

Amt. 10916 16896 1380 29192

KISHORE

Ach.- No. of A/cs 24310 8007 3495 35812

Amt. 47253 20755 4120 72128TARUN

Ach.- No. of A/cs 7208 3912 170 11290

Amt. 59325 26807 1117 87250

TOTAL

Target (Amt.) 220369 68131 5000 293500

Ach.- No. of A/cs 63527 75947 11952 151426

Amt. 117494 64458 6617 188570

% age Ach. (Amt.) 53% 95% 132% 64%

Out of total disbursement in 151426 accounts under PMMY 65,768 women have been provided loans amounting to Rs.290.91 crore under the said scheme i.e. 43% of the total loans sanctioned under the scheme. Bank wise/District wise details is as per Annexure No. 12.1-12.2 (P 150-151)The house may discuss.

Top 3 and bottom 3 districts with their performance in Pradhan Mantri Mudra Yojana (PMMY) accounts are as under:-

Sr. Parameter Name of the District


No.1 Top 3 Districts Narnaul (86%), Jind (76%) Faridabad and

Karnal (73%) 2. Bottom 3

DistrictsPalwal (40%), Sirsa (54%) and Gurugram (55%)

Point for Discussion: Lead District Managers of Palwal, Sirsa and Gurugram are advised to put in strenuous efforts to improve the financing under the scheme as performance of their respective district as at March, 2017 was very low.

AGENDA ITEM NO. 5.11 (ii)

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

The Ministry of Finance, Govt. of India has enlarged the scope of MUDRA and “Activities allied to Agriculture (upto Rs.10.00 lakh) ”(excluding crop loans, land improvement such as canals, irrigation , wells) and services supporting these, which promote livelihood or are income generating shall be eligible for coverage under PMMY w.e.f. 2016-17.Activities allied to agriculture include pisciculture, beekeeping, poultry, livestock rearing, grading, sorting, aggregation agro industries, diary, fishery, Agri-Clinics and Agribusiness Centres, Food & Agro Processing etc.Further, we have received a copy of D.O. No. 25-1 (15)/2016-17/AHD (Coord.) dated 19.01.2017 through the office of Director General, Animal Husbandry & Dairying, Haryana vide their letter dated 29th

March, 2017 with the request to ensure to provide the benefits of PMMY to farmers as per the guidelines issued by MOF, GOI, in this regard.SLBC Secretariat vide its letter dated 12th April, 2017 has requested the controlling heads of banks to advise their field functionaries in the State of Haryana to ensure compliance of the the instructions of MOF with regard to coverage of “Activities allied to Agriculture (upto Rs.10.00 lakh)”(excluding crop loans, land improvement such as canals, irrigation wells) and services supporting these, which promote


livelihood or are income generating under PMMY so that the benefits could be availed by the farming community.Representatives of the banks are once again requested to ensure compliance of the same.


PROGRESS UNDER STAND-UP INDIA SCHEME UPTO THE PERIOD ENDED MARCH,2017

Stand-Up India Scheme has been launched by the Hon’ble Prime Minister on 5th April, 2016. The objective of the scheme is to facilitate bank loans between Rs.10 lakh and Rs. 100 lakh to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one women borrower per bank branch of all scheduled commercial banks for setting up a green field enterprise. This enterprise may be in manufacturing, service or trading sector. In case of non-individual enterprises at least 51% of the shareholding and controlling stake should be held by either an SC/ST or Women Entrepreneur.An interactive portal (www.standupmitra.in) has also been launched by the Hon’ble Prime Minister which hosts information about various entities providing handholding support to the borrower. It has been advised to route the loan applications through the portal.Being one of the flagship programmes of the Government of India, the progress of implementation of Stand-Up India scheme is being closely monitored by a National Level Steering Committee for Stand-Up India Scheme under the Chairmanship of Hon’ble Minister of Finance and 5 Ministers from Union Cabinet, 3 Members of Parliament, besides, CMDs of NABARD, SIDBI andChairman, DICCI as members of the Committee.

NABARD and SIDBI have been nominated as Nodal Agencies for implementing the Stand-Up India Scheme. NABARD has organized a one day seminar for sensitizing LDMs as well as their DDMs for smooth implementation of the scheme at the ground level.Since the launch of Stand-Up India Scheme (on 5th April 2016) upto period ended March, 2017, 1197 Beneficiaries have been sanctioned loans amounting to Rs. 237.89 Crore and disbursement amounting to Rs.195.86 crore has been made in 1163 cases. Out of which 339 cases


http://www.standupmitra.in/

amounting to Rs. 67.45 Crore sanctioned and 331 cases amounting to Rs.56.82 Crores disbursed to SC/ST and 858 cases amounting to Rs.170.45 Crore sanctioned and 832 cases amounting to Rs.139.04 Crores disbursed to Women Beneficiaries in Haryana State.Out of 1197 cases sanctioned under the Scheme during the financial year 2016-17, PNB, Andhra Bank and Bank of India sanctioned maximum number of cases i.e. 359, 137 and 123 cases respectively.

Performance of remaining banks under the scheme was not satisfactory/zero. Point for Discussion: Controlling heads of all SLBC member banks are requested to advise their field functionaries to make strategy for improving the performance of their bank under the scheme during the FY 2017-18.

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

Sr. No.


1 Top 3 Districts Gurugram (168 cases), Faridabad (163 cases) and Karnal (84 cases)


Palwal (10 cases), Mewat (17 cases) and M.Garh (19 cases)

Point for Discussion: Lead District Managers of Palwal, Mewat and M.Garh are advised to put in strenuous efforts to improve the financing under the scheme as performance of their respective district as at March, 2017 was very low Bankwise and District wise details have been placed at Annexure No.13.1 & 13.2 (P 152-153).

Convener SLBC vide its letter dated 17th March, 2017 has requested General Manager SIDBI, Regional Office, Chandigarh


to arrange awareness programmes at various locations in the State of Haryana for sensitization of bankers and masses as well to boost the financing under Stand-Up India Programme of Govt. of India. Representative of SIDBI may apprise the house in this regard.

As per the advice of DFS, GOI, New Delhi, Govt. of Haryana has also constituted the State Level Implementation Committee (SLIC) headed by the Chief Secretary Haryana on Stand Up India Scheme vide notification dated 23rd Dec., 2016.

The objectives of the formation of the committee are as under:-i) To monitor progress and review implementation of Stand Up

India scheme.ii) To give suggestions to National Level Steering Committee/Core

Group to meet the objective of the scheme.iii) Any other role, as decided from time to time, for effective

implementation of “Stand Up India” Scheme.

Controlling heads of banks are requested to speed up their efforts to improve their performance of their bank under the scheme so that the targets allocated to their bank and State of Haryana are not only achieved but surpassed with a considerable margin.



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

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

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

HUDCO along with National Housing Bank (NHB) has been identified as Central Nodal Agency (CNA) to channelize this subsidy to Primary Lending Institutions (PLIs) for effective monitoring of the scheme.


The National Housing Bank had organized a meeting for officials of Housing Board Haryana and Banks on February 09, 2017 at Panchkula. Housing Board Haryana had substantial inventory which could be classified as eligible under the PMAY-CLSS. As per the information provided by Housing Board Haryana there are 6293 houses that have been allotted to beneficiaries and beneficiaries are in need of home finance while the number of houses that have been constructed and where allotment is in process stands at 6910.

Convener SLBC vide its letter dated 20th March, 2017 and 7th April, 2017 has requested controlling heads of all banks to contact the Secretary, Housing Board, Haryana for further details and also to upscale their efforts to improve the progress under the scheme in respect of their bank and the State of Haryana as well.

The progress report received from banks under the scheme upto the period ended March, 2017 reveals as under:-

- Only 66 cases amounting to Rs.319.41 lakh have been sanctioned during the year ended March, 2017, out of which 66 cases amounting to Rs.309.20 lakh have been disbursed.

- Out of these 36 cases amounting to Rs.216.61 lakh have been sanctioned to SC/ST beneficiaries and disbursement has been made in 36 cases amounting to Rs.208.61 lacs.

- 27 cases amounting to Rs.142.62 lakh have been sanctioned and disbursement amounting to Rs.134.48 lakh has been made to 24 women beneficiaries under the scheme.

Bankwise Progress is given on Annexure No.14 (P-154).

As the progress under the scheme was not picking up, the Government of India has decided to extend the scheme for Middle Income Group beneficiaries as well. It is expected that with this step of Govt. of India, the progress under the scheme may pick up drastically.


The brief of the schemes is as under:-

Particulars SchemeEWS/LIG MIG-1 MIG-II

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

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

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

Household Income (Rs.p.a.)

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

Above Rs.6.00 lakh upto Rs.12.00 lakh

Above Rs.12.00 lakh upto Rs.18.00 lakh

Eligible Housing Loan Amt. for Interest Subsidy

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

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

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

Credit linked subsidy will be available only for loan amounts upto Rs.9.00 lakhs and additional loans beyond

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

Credit linked subsidy will be available only for loan amounts upto Rs.12.00 lakhs and additional loans beyond Rs.12.00 lakhs, if


Rs.9.00 lakhs, if any, will be at a non-subsidized rate.

any, will be at a non-subsidized rate.

Dwelling Unit Carpet Area

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

90 Sq.m 110 Sq.m

Housing and Urban Development Corporation (HUDCO) and National Housing Bank (NHB) have been identified as Central Nodal Agencies (CNAs) to channelize this subsidy to the lending institutions and for monitoring the progress of this component. Ministry may notify other institutions as CNA in future. Under the Mission, beneficiaries can take advantage under one component only.

*with effect from 01.01.2017Controlling heads of banks are requested to sensitize their field functionaries suitably in this regards.


AGENDA ITEM NO. 6

IMPLEMENTATION OF DBT IN KEROSENE

During the deliberations of Ist Meeting of Steering Committee to SLBC Haryana held on 02.05.2017, the Financial Advisor, IF&CC, Haryana informed the house that the State has been declared Kerosene Free w.e.f. April, 2017. Hence, the item may please be dropped from the SLBC agenda.

This is for information of the house.

AGENDA ITEM 7.1

OPENING OF FINANCIAL LITERACY CENTRES (FLCs) AT BLOCK LEVEL

The issue of opening of FLCs at block level is being reviewed as a regular agenda item in the meetings of Steering Committee to SLBC Haryana and SLBC Haryana as well. Out of 125 blocks of Haryana, 125 FLCs are operative in 114 Blocks of the state and Financial Literacy


Centres in the remaining 11 blocks were yet to be opened as at March, 2017. SLBC Secretariat vide its communications dated 15th March, 2017 and 10th April, 2017 requested the controlling heads of the concerned banks (State Bank of India (5), Syndicate Bank (1) and Oriental Bank of Commerce (4)) to update the status of opening of FLCs in the remaining allocated blocks.Convener SLBC vide letter dated 18th March, 2017 has requested Regional Director, RBI, Chandigarh to advise the Corporate Office of Corporation Bank for opening FLC in the allocated block (Nissing, District Karnal i.e.Swapped with Syndicate Bank-Sohna District Gurgaon).Representative of Reserve Bank of India, Chandigarh may apprise the house in this regard.

The matter was also discussed in the Ist meeting of Steering Committee to SLBC Haryana held on 02.05.2017 and the following action points emerged during the meeting:- S.No.

Name of the bank

FLCs yet to be opened in blocks

Latest Status & Action emerged

1. Corporation Bank

1- Nissing (Karnal) During the deliberations of Ist meeting of Steering Committee held on 02.05.2017, representative of Corporation Bank informed the house that their Corporate Office has already taken up the matter with Reserve Bank of India.

Representative of Reserve Bank of India, Chandigarh is requested to apprise the house about the action taken in this regard at their level.

2. Oriental Bank of Commerce

4-Jakhal (Fatehabad)

After interviewing the applicants, names of 2 Financial Literacy


Uklana (Hisar), Narwana (Jind) and Rania (Sirsa)

Counselors for Narwana and Uklana FLCs have been recommended to Head Office for necessary approval. Approval is still awaited.

3. State Bank of India

5-Loharu (Bhiwani), Bhattu (Fatehabad), Agroha (Hisar), Khol (Rewari) and Ellenabad (Sirsa)

Appointment letters to 3 Financial Literacy Counselors for Ellenabad, Agroha and Khol have been issued on 19.04.2017. No candidate is coming forward for FLCs to be opened at Loharu and Bhattu. Representative of SBI requested the representatives of member banks to extend help/support in finding the suitable candidates for appointment as FLC Counselor

4. Syndicate Bank

1- Nissing (Karnal) Representative of Syndicate Bank informed that the FLC at Sohna Block shall be opened by 20.05.2017

Total 11

Representatives of State Bank of India and Oriental Bank of Commerce are requested to inform the date of opening/starting functioning of the 3 and 2 FLCs respectively for which the counselors have been appointed. They are also requested to apprise the house about the status of opening of FLCs in the remaining blocks allocated to their bank. Further, Controlling heads of Central Bank of India, State Bank of India (erstwhile State Bank of Patiala) and Punjab & Sind Bank are being requested in each meeting of Steering Committee to SLBC and SLBC Haryana as well to ensure that independent FLC counselors are appointed and proper infrastructure i.e. space, computer, printer, Financial Literacy Material etc is provided to them for smooth functioning of the FLCs.


Representatives of above banks are requested to apprise the house in this regard.The house may discuss.

AGENDA ITEM 7.2

PROVIDING SPACE/PREMISES FOR ESTABLISHING FLCs AT BLOCK LEVEL

As informed during the deliberations of 138th meeting of SLBC Haryana held on 15.11.2016 that instructions have been issued to all the Deputy Commissioners in the State of Haryana vide letter No. IF&CC/RO/2016/675-95 dated 11.11.2016 for providing one room in DC Office, Tehsil Office or BDO offices for FLC Counselors of the area for extending Financial Literacy to the Common masses.

Convener SLBC through minutes of 139th meeting of SLBC Haryana and its letters dated 20th March, 2017 has advised the LDMs to follow up with District Administration for providing space/room for establishing FLCs at Block level/for the FLCs which are being operated from the bank premises for smooth functioning of the FLC without any inconvenience to the visitors.

HSRLM has provided the list of offices (Annexure No.15 (P-155) from where the NRLM activities are being carried out. Controlling heads of banks, who’s FLC (s) is/are being operated from branch premises, are requested to advise their DCOs to coordinate with the concerned Lead District Manager for taking up the matter with District Administration for providing space at block level or at HSRLM premises so that all FLCs in the State could function from the independent premises smoothly.


AGENDA ITEM 7.3

FINANCIAL LITERACY CENTRES (FLCs)– PROGRESS DURING THE Q.E.MARCH, 2017 (2016-17)

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

1654 Special Camps were organized by 125 FLCs (Including Cooperative Banks) during the quarter ended March, 17.


1630 Targets Specific camps were organized by the 125 FLCs in the State of Haryana during the quarter ended March, 17.

Controlling Heads of banks are requested to provide the required infrastructure to their FLCs and advise them to organize financial literacy camps as per the revised operational guidelines issued by RBI on 14.01.2016.

The house may review.AGENDA ITEM 7.4

FINANCIAL LITERACY–HOLDING OF ONE CAMP PER RURAL BRANCH PER MONTH- PROGRESS DURING THE QUARTER ENDED MARCH, 2017 (2016-17).

Progress made by rural branches of banks in organizing Financial Literacy Camps during the quarter ended March, 17 is as under:-

3323 Special Camps were organized by 2121 rural branches of banks during the quarter ended March, 17.

3030 Targets Specific camps were organized by 2121 rural branches of banks in the State of Haryana during the quarter ended March,17.

Sr. Citizens, landless labourers, students, farmers, MSME prospective borrowers, minority community groups, catchment area customers, SC/ST, APY account holders have been covered in the camps organized for targets groups.The controlling heads of banks are requested to advise their rural branches to organize more and more financial literacy camps for different target groups with the assistance of Financial Literacy Counselor of their bank/area to ensure that information about latest banking schemes/Govt. of India schemes is disseminated amongst the masses so that the rural masses could avail the benefits of these schemes.Bankwise/Districtwise Progress is given on Annexure No.16.1 & 16.2 (P 156-157) The house may discuss.

AGENDA ITEM 7.5

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


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

April, 2017 and related circulars referred therein on the captioned subject and RBI Circular FIDD.FLC.BC.No.22/12.01.018/2016-17 dated 2nd March, 2017 advising banks (rural branches and FLCs) to conduct special camps every month for a period of one year beginning 01 April, 2017 on “Going Digital”.Department of Financial Inclusion and Banking Technology (DFIBT), NABARD, Mumbai vide their Circular No.DFIBT.H/6137-6622/DFIBT-23/2017-18/107/DFIBT-24/2017 dated 4th May, 2017 have informed that it has been decided in the 20th meeting of the Advisory Board of Financial Inclusion Fund (FIF) to support “Going Digital” camps as indicated by RBI in their above mentioned circular dated 2nd March, 2017 with the following modifications:-

A)Quantum of Assistance

The revised ceiling for assistance under FIF would be as under:-

S.No. Agency Maximum Grant assistance under FIF

1. Commercial Banks 60% of the expenditure incurred or Rs.5000/- per programmes whichever is less.

2. Regional Rural Banks 80% of the expenditure incurred or Rs.5000/- per programmes whichever is less.

3. State Cooperative Banks/District Central Cooperative Banks

90% of the expenditure incurred or Rs.5000/- per programmes whichever is less.

Other details have been given in the NABARD letter dated 4th

May, 2017 on Annexure No.17.1 (P 158-159)


Controlling heads of banks are requested to ensure that the programmes may be conducted in accordance with the instructions of RBI issued vide their Circular No. FIDD.FLC.BC.No.22/12.01.018/2016-17 dated 2nd March, 2017.

AGENDA ITEM 7.6

SUPPORT UNDER FINANCIAL INCLUSION FUND (FIF) FOR PURCHASE OF HAND HELD PROJECTOR & PORTABLE SPEAKER TO FACILITATE FINANCIAL LITERACY EFFORTS BY FLCs & RURAL BRANCHES

DFIBT, NABARD, Mumbai vide their Circular No.DFIBT.H/6569-6061/DFIBT-23/2017-18/105/DFIBT-24/2017 dated 4th

May, 2017 have informed that it has been decided to extend grant assistance under FIF for purchase of hand held projector and portable speakers for the rural branches and FLCs of Commercial Banks, Regional Rural Banks and Cooperative Banks to be used for financial literacy activities. The modalities of the support are as under:-

a) Items for which support is available on a reimbursement basis under FIF are :-i) Purchase of hand held projectorii) Purchase of portable speaker

b) Extent of support under FIF is restricted to 50% of the cost incurred on purchase of hand held projector and portable speaker (both put together) subject to a maximum of Rs.5000/- per rural branch/FLC on a reimbursement basis.

c) Eligible Institutions- Commercial Banks, Regional Rural Banks and Cooperative Banks are eligible to avail support under the scheme on behalf of their rural branches and FLCs.

Other details of the scheme are given in the NABARD Circular dated 4th May, 2017 (Annexure No.17.2 (P 160-165). A copy of the same has already been sent to the controlling heads of banks vide SLBC e-mail dated 8th May, 2017.

Controlling heads of banks are requested to avail the benefits of the grant assistance being provided by NABARD.


Representative of NABARD may apprise the house about the scheme in detail.

AGENDA ITEM NO. 8.1

IMPLEMENTATION OF PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY)

Pradhan Mantri Fasal Bima Yojana was notified by Government of Haryana vide their notification no 3009/Agri.II (1)-2016/10854 dated 17.06.16 for the notified areas, crops, Indemnity level, sum insured, premium rates and seasonality discipline etc for implementation in the State of Haryana during Kharif 2016 & Rabi 2016-17 seasons.Institution wise progress Pradhan Mantri Fasal Bima Yojana (PMFBY) under Rabi 2016-17 season is as under:-

Particulars Public Sec. Banks

Private

Sec. Banks

RRBs Coop. Banks

Total

Eligible Farmers 4,08,539 29,122 1,56,742 300404 8,94,807Farmers Covered (%)

3,99,946 (97.9%)

29,120 (99.99%)

1,56,742(100%)

18,662 (6.2%)

6,04,470 (67.6%)

Area Covered (In acres)

12,29,002

4,04,120 3,02,781 28,781 19,64,683

Premium Collected (Rs. In lacs)

4809 986 1177 85 7057

Bankwise/Districtwise Progress is given on Annexure No.18.1 & 18.2 (P 166-167).The representative of Agriculture & Farmers’ Welfare Department, Haryana may apprise the house further in this regard.AGENDA ITEM NO. 8.2

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

Ministry of Agriculture & Farmers’ Welfare, Department of Agriculture, Cooperation & Farmers’ Welfare vide letter dated 16th Dec., 2016


addressed to Convener, State Level Bankers’ Committee of all States/UTs informed that it has been decided by the Ministry to provide a folio to farmers containing information on Pradhan Mantri Fasal Bima Yojana (PMFBY) alongwith logo and tagline of the scheme and acknowledgement receipt/policy document after receiving from the respective insurance company. Controlling heads of banks were requested to get the folio printed and supply to their branches in the State of Haryana for providing to the farmers covered under PMFBY containing information on Pradhan Mantri Fasal Bima Yojana (PMFBY) alongwith logo and tagline of the scheme and acknowledgement receipt/policy document after receiving from the respective insurance company.During the deliberations on the issue of printing of folio to be provided to the Farmers covered under PMFBY, SLBC informed that following banks have confirmed to got the folios printed but the sample of the same has not been provided to SLBC;

S.NO. NAME OF BANK Latest Status & Action emerged1. Bank of India SLBC again advised the bank to

send the sample copy2. HDFC Madam Jyoti Vohra assured to send

the sample immediately3. ICICI BANK Sh. Deepak Gupta confirmed to send

the sample immediately4. Vijay Bank SLBC again advised the bank to send

the sample copyControlling heads of above banks are requested to confirm that the folios have been got printed and supplied to their branches and provide a copy of the same to SLBC Secretariat for reference and record.

They are also requested to advise their field functionaries to ensure that the acknowledgement receipt/policy document has been provided to the farmers covered under PMFBY.

The House may discuss.

AGENDA ITEM NO.

OPENING OF BRICK & MORTAR BRANCHES IN VILLAGES WITHOUT A BANK BRANCH OF A SCHEUDULED COMMERCIAL BANK WITH


9 POPULATION MORE THAN 5000

As advised by Reserve Bank of India Central Office Mumbai vide their letter no.FIDD.CO.LBS.BC.NO.82/02.01.001/2015-16 dated 30.12.2015 received through RBI Chandigarh letter dated 21.01.2016 roadmap for opening of brick and mortar branches in 194 such identified villages (without having a bank branch of a scheduled commercial bank) with population above 5000 was prepared by SLBC.

SLBC has been regularly following up with the concerned banks to open brick and mortar branches in the allocated villages before March, 2017. A meeting to discuss the issue coming in the way of opening of brick and mortar branches was also convened by SLBC Secretariat. Minutes of the meeting were sent to the concerned banks for initiating immediate action to open the branches in the allocated villages by March, 2017 positively.Progress in this regard received from banks is as under:-S.No.

Name of the Bank

No. of Villages allocated

Branches Opened till date

Non-Viable

Under Process/consideration

Remarks

1. Allahabad Bank

1 - 1 branch at a distance of 700 meter and another at a distance of 4.5Km

2. Andhra Bank

1 1 Branch Opened

3. Bank of Baroda

5 - 1 branch in Village Kariawala shall be opened by 15th May, 2017.Submitted to higher authorities under Branch Expansion Plan for FY 2017-18 for further approval.

4. Canara Bank

2 2 Branches Opened

5. Central Bank of India

9 8 Opened USB at Village Kotli (Sirsa)-Remaining (8) villages found Not-viable as per survey report due to functioning of


CBI/other banks’ branches within a radius of 2-8Kms

6. Corporation Bank

1 Requested to exempt. Matter referred to RBI on 19.01.2017.

SLBC has also requested RBI, Chandigarh to take up the matter with Corporate Office of Corporation Bank in this regard.

7. IDBI Bank 1 Not Feasible. Requested to allocate some other village

8. OBC 18 4 (1-PNB

2-Yes Bank1-OBC

14 -11 centres non-viable due to existence of other banks’ branches at a distance of 2 kms-5kms.-2 Centres unviable due to 90% NPA accounts-1 –Branch Opened earlier but shifted to another village due to non-viability. No reason for non-viability mentioned.

9. Punjab National Bank

47 1 (Ugalan

by SHGB)1 Yes Bank

(Bhaini Chande

rpal)3

Total-5

33 -Branches to be opened at 9 centres by 30.09.17 (1-25.5.17-3-31.8.17, 5-30.09.17). -22 centres are under consideration.-9 Centres (Banking services available at a distance of 0-5 Kms)-2 Branches to be opened by SHGB

10.

Punjab & Sind Bank

2 Premises for 1 branch has been finalized which shall be opened within 3 months and for the 2nd Centre process for finalizing


the premises is going on and propose to open the branch within 6 months.

11.

State Bank of India

21 1 (Village Rohera by SHGB)

Due to merger of Associate Banks new branches are not being opened by the bank

12.

State Bank of Patiala

17 1

13.

Syndicate Bank

7 7 Opened 2 branches and 5 USBs

14.

Union Bank of India

4 1 village covered by SBI,OBC & HDFC BankSurvey done for 3 villages and applied for license through Circle Office.

15.

UCO Bank 1 Proposal submitted to higher office. Reply is awaited.

16.

HDFC Bank 3 No reply received

17.

ICICI Bank 1 1 Branch Opened

18.

SHGB 53 4 (SHGB)1-IDBI BankTotal-5

Viability report for 5 centres received. Work of assessing the viability in remaining centres is under process. The matter shall be placed before the Board in the ensuing meeting of the Board.

Total 194 27

From the above it has been observed that out of 194 such identified villages, brick and mortar branches in 27 villages (with population more than 5000) have been opened upto the period ended March, 2017 and 167 villages are yet to be covered in spite of the cut-off date of March, 2017.

Bankwise/Districtwise progress is given on Annexure No19.1-19.2 (P 168-169).



ITEM NO. 10

ISSUES OF UNIQUE IDENTIFICATION AUTHORITY OF INDIA (UIDAI)

Aadhaar Act

Aadhaar (targeted delivery of financial and other subsidies, Benefits and Services) Act, 2016 has been passed by the Parliament & notified in the Gazette of India vide notification dated 26th March, 2016 & Aadhaar (Enrolment and update) Regulation, 2016 has been notified vide notification dated 12th Sept., 2016.

As per section 7 of the Act, the Central Government or as the case may be, the State Govt. may for the purpose of establishing identity of an individual as a condition for receipt of a subsidy, benefit or service for which the expenditure is incurred from or the receipt there from forms part of, the Consolidate Fund of India, require that such individual undergo authentication, or furnish proof of possession of Aadhaar number or in the case of an individual to whom no Aadhaar number has been assigned, such individual makes an application for enrolment.

As per section 5 of Chapter II of Aadhaar (Sharing of Information) Regulation, 2016 responsibility of any agency or entity other than requesting entity with respect to Aadhaar number:

(1) Any individual, agency or entity which collects Aadhaar number or any document containing the Aadhaar number, shall:

(a) collect, store and use the Aadhaar number for a lawful purpose; (b) inform the Aadhaar number holder the following details:—

i. the purpose for which the information is collected; ii. whether submission of Aadhaar number or proof of Aadhaar for such

purpose is mandatory or voluntary, and if mandatory, the legal provision mandating it;

iii. alternatives to submission of Aadhaar number or the document containing Aadhaar number, if any;

(c) obtain consent of the Aadhaar number holder to the collection, storage and use of his Aadhaar number for the specified purposes.


(2) Such individual, agency or entity shall not use the Aadhaar number for any purpose other than those specified to the Aadhaar number holder at the time of obtaining his consent.

(3) Such individual, agency or entity shall not share the Aadhaar number with any person without the consent of the Aadhaar number holder.

As per section 6 of Chapter II of Aadhaar (Sharing of Information) Regulation, 2016:

(1) The Aadhaar number of an individual shall not be published, displayed or posted publicly by any person or entity or agency.

(2) Any individual, entity or agency, which is in possession of Aadhaar number(s) of Aadhaar number holders, shall ensure security and confidentiality of the Aadhaar numbers and of any record or database containing the Aadhaar numbers.

(3) Without prejudice to sub-regulations (1) and (2), no entity shall make public any database or record containing the Aadhaar numbers of individuals, unless the Aadhaar numbers have been redacted or blacked out through appropriate means, both in print and electronic form.

(4) No entity, including a requesting entity, shall retain Aadhaar numbers or any document or database containing Aadhaar numbers for longer than is necessary for the purpose specified to the Aadhaar number holder at the time of obtaining consent.


Fig: Smudge Aadhaar Number or Display only last 4 digitsData Sharing – Compliance of IT Act, 2000 and Aadhaar Act, 2016

issued from Ministry of Electronics & Information Technology on dated 25.03.2017 is attached as “Annexure – 20 (P 170-172)”.

Aadhaar Seeding & Direct Benefit Transfer (DBT)

All the banks are requested to emphasis on Aadhaar seeding activity for various central/state schemes to leverage the beneficiaries under Direct Benefit Transfer (DBT). The Jan Dhan accounts may be linked with the Aadhaar as per prescribed guidelines.

Present status of the linking of Aadhaar with the Jan Dhan accounts is as follows:

State Name Total

AccountsAadhaar Card Seeded

% age Aadhaar Seeding

HARYANA 5992431 4834796 80.7%


Aadhaar Pay

Aadhaar Pay is merchant version of Aadhaar Enabled Payment System (AEPS). The Application works on a low cost android phone with single finger bio-metric device. It enables merchant to take cashless payment from his customers. All the banks are requested to take initiative on Aadhaar Pay for enabling more and more merchants to start cashless payments on the basis of Aadhaar number.

AGENDA ITEM NO. 11

SWACHCHH VIDYALAYA CAMPAIGN

Under the “SWACHCHH VIDYALAYA CAMPAIGN” launched by Govt. of India, the CSR activities like construction of Toilets for girl students, provision of Library & Sports Kit in Govt. Schools etc. in the adopted villages of banks are to be undertaken.As per reports received from banks, during the review period 178 toilets have been constructed in 168 schools of 161 villages of Haryana, besides other activities like opening of library cum reading rooms, providing sports kits etc. in the schools have also been undertaken by banks. Banks need to accelerate their efforts in this social area. The Controlling heads of banks are requested to ensure their active participation in this social movement/campaign. Bankwise progress as at March, 2017 is given on Annexure No. 21 (P-173).The House may discuss.


AGENDA ITEM NO. 12

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

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

(Amt. Rs. in Crore)Parameters March,

2015March, 2016

March, 2017

Variation March 2017/March,

2016 (Absolute and %age

terms)No .of Branches 4271 4493 4698 205 (4.6%)Deposits 213556 243650 296683 53033 (21.8%)Advances 179142 192145 197107 4962 (2.6%)PS Advances 86415 106467 112395 5928 (5.6%)Agriculture 35943 43422 46041 2619 (6%) MSME 35943 48193 49854 1661 (3.4%)Other PS 14529 14852 16500 1648 (11%)Advances to WS 19516 23976 25094 1118 (4.7%)Advs. under DRI Scheme

15.85 23.07 24.66 1.59 (6.9%)

Bank-wise data is given on Annexure No. 22.1-22.6 (P 174-179)While reviewing the progress under key-parameters, following trends have been observed:-12.2 BRANCHESDuring the period under review, 205 branches of Commercial Banks and RRBs have been added thereby raising the total number of bank branches in the State to 4698 as at March, 2017 from 4493 branches as at March, 2016.


Area wise analysis with regard to Branch Expansion is summarized below:-No. of Branches

As At VariationMarch,201

5March,201

6March,201

7March 17/ March 16 (Absolute)

Rural 1661 1746 1678 -68Semi Urban 1047 1085 1206 121Urban 1563 1662 1814 152Total 4271 4493 4698 205

This is for information of the House. 12.3 EXPANSION OF BRANCH NETWORK 67 Branch Licenses were pending as at March, with banks for opening of new branches. Some of the major banks with pending licenses are: Allahabad Bank (6), Bank of India (7) Canara Bank (3), Corporation Bank (8), PNB (17), IDBI (5), SBI (5), Syndicate Bank (12). Bank-wise position of licenses in hand is given on Annexure No.22.7 (P-180). The Controlling Heads of these banks are requested to initiate steps for opening of these branches at the earliest. 12.4 DEPOSITSTotal deposits have increased by Rs.53033 Crore from Rs.243650 Crore as at March, 2016 to Rs.296683 Crore as at March, 2017, showing a growth of 21.8%. Area-wise analysis of Deposit Mobilization has been summarized below:-

(Amt. Rs. in Crore)Aggregate Deposit

As at VariationMarch,2015

March,2016

March,2017

March, 2017/March, 2016

(Absolute)

%age


Rural 29614 32358 36799 4441 13.7%Semi Urban

35563 40762 51075 10313 25.3%

Urban 148380 170530 208809 38279 22.4%Total 213556 243650 296683 53033 21.8%

12.5 ADVANCESTotal advances have increased by Rs. 4962 Crore from Rs.192145 Crore as at March, 2016 to Rs.197107 Crore as at March, 2017 showing a growth of 2.6%. Further, area-wise analysis of Aggregate Advances has been summarized below:-

(Amt. Rs. In Crore)Aggregat

e Adv.As At Variation

March,2015

March,2016

March,2017


(Absolute)

%age

Rural 30285 33973 23742 -10231* -30%Semi Urban

29298 32531 34751 2220 6.8%

Urban 119559 125641 138614 12973 10.3%Total 179142 192145 197107 4962 2.6%*Negative growth in rural advances/low growth in total advances is due to takeover of a loan account of SBI by IDBI Delhi branch and decline in advances of HDFC Bank as well.12.6 PS ADVANCESAdvances under Priority Sector have increased from Rs. 106467 Crore as at March, 2016 to Rs. 112395 Crore as at March, 2017, thus showing an increase of Rs. 5928 Crore or 5.6%.

(Amt. Rs. In Crore)Sector March,

2015March,2016

March,2017

Variation March, 2017/March, 2016

Absolute %agePriority Sector

86415 106467 112395 5928 5.6%


Low growth in PS advances is due to decline in advances of SBI and HDFC Bank as well.

12.7 AGRICULTURE ADVANCESTotal outstanding under agriculture advances increased from Rs.43422 Crore as at March, 2016 to Rs. 46041 crore as at March, 2017, showing an increase of Rs.2619 crore or 6%.

(Amt. Rs. In Crore)Sector March,201

5March,201

6March,201

7Variation


Absolute %ageAgriculture Sector

35943 43422 46041 2619 6%

12.7-(i) NPAs UNDER AGRICULTURE AS AT 31st March, 2017(Amt Rs. in Crores)

Total Outstanding under Agriculture

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

Agriculture Advs.A/cs Amt. A/cs Amt.1484129 46041 132205 3458 8%

Bankwise position is given at Annexure No. 22.8 (P-181)

12.8 MICRO, SMALL & MEDIUM ENTERPRISES (MSMEs) Advances to Micro, Small & Medium Enterprises have increase by Rs. 1661 crore from Rs.48193 Crore as at March, 2016 from Rs.49854 Crore as at March, 2017 thereby registering a growth of 3.4%.


2015March,2016

March,2017


Absolute %age


MSME Sector

35943 48193 49854 1661 3.4%%

12.9 ADVANCES TO WEAKER SECTIONAdvances to Weaker Section increased by Rs.1118 Crore on year-on-year basis from Rs.23976 Crore as at March, 2016 to Rs.25094 Crore as at March, 2017 showing a growth of 4.7%.


2015March,2016

March,2017


Absolute %ageWeaker Sector

19516 23976 25094 1118 4.7%

12.10 DRI ADVANCES-REVIEW OF PROGRESS The DRI advances have increased by Rs.1.59 Crore from Rs. 23.07 crore as at March, 2016 to Rs.24.66 Crore as at March, 2017, registering a growth of 6.9%.As per the revised targets, at least 10 loans per rural branch per quarter are to be made by all the Scheduled Commercial Banks. The progress achieved so far is summarized as under:-

(Amt. Rs. in Lacs)Lending Institutions

Targets March, 2017

(In Nos.)

Achievement % age Achieveme

ntAccoun

tAmount

Public Sector Banks

35040 2708 563 8%

Private Sector Banks

14480 80 6 0.6%

TOTAL 49520 2788 569 5.6%Bank-wise position is available at Annexure No 22.9 (P-182)Member banks are requested to take suitable steps to extend finance to eligible persons under DRI.


The House may review.

AGENDA ITEM NO.13 N A T I ON A L G O A L S

GOAL ACH.MARCH 2015

ACH.MARCH,

2016

ACH.MARCH,

2017CD Ratio (Total) - 84% 79% 66%CD Ratio (Rural) 60% 102% 105% 65%CD Ratio (S Urban)

60% 82% 80% 68%

PS to total Advances

40% 48% 55% 58%

Agri. to total Advs.

18% 20% 23% 24%

Small & Marginal Farmers

8%** N.A 9% 10%

Micro Enterprises 7.5%** N.A 9% 10%Export Credit 2% N.A 0.06% 0.12%WS Advances to Total Advances

10% 11% 12% 13%

The Bank-wise position under National Goals is available in Annexure No. 22.10 (P-183).Highlights of performance of Banking Sector under prescribed National Goals are as under:-

Under Priority Sector, the performance of the banking system is 58%, which is above the prescribed National goal of 40%.

Under Agriculture Sector, the achievement is 24%, which is

also above the National goal of 18%. Under Small & Marginal Farmers the achievement is 10%

against the target of 8%. Under Micro Enterprises the achievement is 10% as against

target of 7.5%.


Export Credit is 0.12% against the target of 2%. The ratio of WS Advances to total advances is 13% as against

the National Goal of 10%.

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

Period CD Ratio %age VariationMARCH, 2015 84% +2ppsMARCH, 2016 79% -5ppsMARCH, 2017 66% -13pps

Observations:Overall CD Ratio of Banks in State of Haryana as at March, 2017 has declined by 13 pps when compared to the position as at March, 2016 mainly due to demonetization effect.CD RATIO – RURAL AREAThe comparative position of CD Ratio of Rural Areas in Haryana is as follows:

(Amt. Rs. in Crore)Period Rural Variation

Deposit Advances CD RatioMARCH, 2015 29614 30285 102% -6 ppsMARCH, 2016 32358 33973 105% 3 ppsMARCH, 2017 36799 23742 65% -40ppsObservations:


The CD Ratio of Rural Areas has decreased by 40PPs and stood at 65% as at March, 2017 due to decline in advances of State Bank of India and HDFC Bank.

CD RATIO – SEMI URBAN AREASThe comparative position of CD Ratio of Semi Urban Areas in Haryana is as follows:

(Amt. Rs. in Crore)Period Semi-Urban Variation

Deposit Advances CD Ratio (%)

MARCH, 2015 35563 29298 82 4ppsMARCH, 2016 40762 32531 80 -2ppsMARCH, 2017 51075 34751 68 -12pps

Observations:The CD Ratio of Semi Urban Areas has also declined to 68% as at March, 17.

This is for information of the house.


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

CD Ratio (TOTAL) GOAL

MARCH 2015

MARCH 2016

MARCH 2017

Banking System (CBs & RRBs)

60% 84% 79% 66%

Financial System including Cooperative Bank

60% 87% 82% 69%

CD Ratio (Financial System) with RIDF

60% 89% 83% 70%


Overall CD Ratio in respect of Commercial Banks, RRBs excluding Cooperative Banks as at March, 2017 is 66%. However, with cooperative banks it is 69%.

There is an increase of 1% in CD Ratio (from 69% to 70%) when the amount of RIDF i.e. Rs.4205 Crore is included in total credit of Financial System.

Upto the last quarter i.e. Sept., 2016 No district of Haryana was having CD Ratio below 40%.

However, due to demonetization, deposits of banks have increased whereas advances have not increased in the same proportion, resultantly the reduction in CD Ratio less than 40% in District Narnaul (39%) and Rewari (36%)respectively.CD Ratio of Financial System excluding Cooperative Banks in District Ambala (43%), Faridabad (57%), Gurgaon (54%), Mewat (45%), Sonepat (46%) and Yamuna Nagar (59%) is still below the stipulated level of 60%, which needs efforts of banks and LDMs for further improvement.

The District-wise CD Ratio has been given at Annexure No. 23 (P-184)Due to demonetization effect CD Ratio of banks has come down. The CD ratio of Bank of Baroda (48%), Bank of Maharashtra (45%), Central Bank of India (57%), IDBI Bank (32%), Indian Bank (28%), Oriental Bank of Commerce (47%), Syndicate Bank (51%), Union Bank of India (52%), United Bank of India (44%), Axis (59%), Bandhan Bank (50%), Indusind Bank (54%), J&K Bank (49%), South Indian Bank (25%) and Yes Bank (44%) which needs considerable improvement as the same is low. The Bank-wise CD Ratio has been given at Annexure No. 22.2 (P-175). The house may review.AGENDA ITEM NO. 13.2

CREDIT+INVESTMENT IN STATE GOVT. BONDS TO DEPOSIT RATIO


After adding the figures of Rs.7192 Crore of investment made by banks in the State Govt. Bonds with total credit of Rs.197106 Crore (excluding Cooperative banks) the credit + investment to deposit ratio works out to 69%.

This indicates that besides credit deployment, large funds have also been invested by the banking system in State Government securities, which are ultimately utilized for the economic development of the State. The Bank-wise position is given at Annexure No. 24 (P-185).This is for information of the house.


POTENTIAL LINKED PLANS (PLP) PROJECTIONS FOR THE YEAR 2017-2018

NABARD, RO, Haryana has made potential Linked plan for the year 2017- 2018 for the state of Haryana. A comparative chart showing Broad Sector wise PLP Projections for the year 2016-2017 and 2017-2018 is given below:-

(Rs in Crore)Sector 2016-2017 2017-2018 Variation

Amount & %ageCrop Loan 47858 52274 4416 (9.2%)Agriculture Term Loan

22886 24366 1480 (6.5%)

Total Agri. Loan 70744 76640 5896 (8.3%)MSME 19487 25289 5802 (30%)OPS 16104 16947 843 (5.2%)Total 106335 118876 12541 (11.8%)

NABARD has provided Districtwise Potential Linked Projections (PLP) for the financial year 2017-18 (Annexure No.25.1-25.2 (P 186-187). SLBC Secretariat had requested Lead District Managers to prepare District Credit Plan (DCP) for the year 2017-18 keeping in view the PLP of their districts. LDMs have prepared ACP for their respective districts


and have submitted the same to SLBC Secretariat. SLBC Secretariat has compiled bankwise and districtwise targets under Annual Credit Plan 2017-18 for the State of Haryana.On the basis of compilation of targets, Institution wise allocation of targets under Annual Credit Plan 2017-18 are as under:-

Sector Commercial Banks

RRBs Cooperative Banks & Others

Total

Crop Loan 35485 6919 11878 54282Agriculture Term Loan

17851 2705 3779 24335

Total Agri. Loan

53336 9624 15657 78617

MSME 22718 738 1240 24696OPS 14767 846 446 16059Total 90821 11209 17343 119372

NABARD Regional Office, Haryana, Chandigarh vide their office letter dated 18th April, 2017 have informed that in the Union Budget, it has been announced by GoI that the ground level credit target for agriculture during 2017-18 will be at Rs. 10,00,000 crore which is 11% more than the target fixed for 2016-17.

It has also been mentioned in the letter under reference that:

(i) Factors like region wise percentage share of Gross Cropped Area, Gross Irrigated Area and cropping intensity etc. and past trends have been taken into account.(ii) As per the priority of GoI in order to reduce Regional Imbalances in disbursement of agriculture credit across the country, higher allocations as compared to previous are given in North East, Eastern and Central Regions.(iii) Keeping in view GoI’s thrust on capital formation in agriculture for increasing production and productivity, a sub-target has been made for agriculture term loan at 32% of the total agriculture credit. SLBC may


share this concern with all the banks in the State and advise the LDMs for review of performance by all banks regularly in the DCC/BLBC forums.

(iv) The allocations made are not the upper ceiling and banks must endeavor to achieve higher disbursements. In case the Annual Credit Plan (ACP) target is more than the target allocated now, the higher target may be retained for implementation and monitoring.

(v) All efforts may be made by the banks to increase the coverage of small/marginal and new farmers.

From the Region wise allocation of targets under Agriculture Sector for the FY 2017-18, Institution wise targets allocated to the State of Haryana are as under:-

(Amt. Rs. in crore)

Agency Crop Loan Term Loan Total

Commercial Banks 29300 17000 46300

Cooperative Banks 7500 850 8350

Regional Rural Banks

4500 1500 6000

Total 41300 19350 60650

Institution-wise & Sector-wise ACP Achievement vis-à-vis Annual Targets 2016 –2017 during the year ended March, 2017 is as under:-


(Amount Rs. in Crore)Lending Institution

Agriculture MSME OPS Total Priority Sector

Tgt. Ach %

age

Tgt. Ach %

age

Tgt. Ach %

age

Tgt. Ach %

age

Public & Pvt. Sec. Banks

48000 36125 75 17848 21574 121 14523 8417 58 80371 66116 82

RRBs 7617 5961 78 352 364 104 710 171 24 8679 6496 75

Coop Banks & Others

13546 9791 72 981 403 41 376 1323 351 14903 11517 77

Total 69163

51877 75 19181 22341 116 15609 9911 63 103953 84129 81

It has been mentioned at point no.iv of NABARD letter dated 18th April, 2017, it has been mentioned that the allocations made are not the upper ceiling and banks must endeavor to achieve higher disbursements. In case the Annual Credit Plan (ACP) target is more than the target allocated now, the higher target may be retained for implementation and monitoring or to be revised as per the revised allocation for the State of Haryana.During the deliberations held in the Ist meeting of Steering Committee to SLBC Haryana held on 02.05.2017, it was resolved that keeping in view the Institution wise achievement of Agriculture Sector under Annual Credit Plan 2016-17 i.e. Rs.51877 crore against the target of Rs.69163 crore i.e. 75% of the target, the targets of Rs.60650 crore under Agriculture Sector for the financial year 2017-18 be allocated and targets under MSME & Other Priority Sector may be retained same as per the PLP. The institution wise targets calculated on this basis are as under:-

Amt. Rs. In croreLending Institution

Agriculture & Allied Activities MSME Sector

Other Priority Sector (OPS)

Total Priority SectorCrop

LoanTerm Loan

Total

Public & Pvt. Sec.

29300 17003 46303 22718 14771 83792


BanksRRBs 4500 1500 6000 738 846 7584Coop Banks & Others

7501 850 8351 1240 446 10037

Total 41301 19353 60654 24696 16063 101413Bank-wise/District-wise Targets under Annual Credit Plan 2017-18 are given on Annexure No.26.1-26.6 (P 188-193).

The house may discuss and approve the targets.


PERFORMANCE UNDER ANNUAL CREDIT PLAN (ACP) DURING THE YEAR ENDED MARCH, 2017 (2016-17)

Summary of achievement under Annual Credit Plan (2016-17) during the year ended March, 2017 is given below:-

(Amount Rs. in Crore)Sector Annual

Targets Ach. % Ach

Crop Loan 47471 39644 84%Agri. Investment Credit 21692 12233 56%Total Agriculture & allied

69163 51877 75%

MSMEs 19181 22341 116%Other Priority Sector 15609 9911 63%Total Priority Sector 103953 84129 81%

Institution-wise & Sector-wise ACP Achievement vis-à-vis Annual Targets 2016 –2017 during the year ended March, 2017 is as under:-

(Amount Rs. in Crore)Lending Institution

Agriculture MSME OPS Total Priority Sector

Tgt. Ach %

age

Tgt. Ach %

age

Tgt. Ach %

age

Tgt. Ach %

age

Public & 48000 36125 75 17848 21574 121 14523 8417 58 80371 66116 82


Pvt. Sec. BanksRRBs 7617 5961 78 352 364 104 710 171 24 8679 6496 75

Coop Banks & Others

13546 9791 72 981 403 41 376 1323 351 14903 11517 77

Total 69163

51877 75 19181 22341 116 15609 9911 63 103953 84129 81

Bank-wise/District-wise Achievement vis-à-vis Targets under ACP during the year ended March, 2017 are given on Annexure No.27.1-27.6 (P 194-199). Observations:-

%age Achievement under Agriculture, MSME, Other Priority Sector and Total Priority Sector as at March 2017 against the Annual Targets is 75%,116%,63% and 81% respectively.

As against the Annual target of Priority Sector advances of Rs.103953 Crore, Banks have disbursed loans to the tune of Rs.84129 Crore up to March 2017. The achievement comes to 81%.

As against annual target of Rs.69163 Crore under agriculture & allied sector, Banks have disbursed loans amounting to Rs.51877 Crore. The achievement comes to 75%.

Banks have disbursed loans amounting to Rs.22341 Crore against the annual target of Rs.19181 Crore set for Micro, Small & Medium Enterprises (MSMEs) during the year ended March 2017. The achievement comes to 116%.

Banks have disbursed loans to the tune of Rs.9911 Crore under Other Priority Sector against the annual target of Rs.15609 Crore. The achievement comes to 63%.

Districtwise Sectorwise progress (%age Achievement) under Annual Credit Plan 2016-17 against the Annual Targets is given below:-

S.No.

District SectorAgricultur

eMSME OPS Total Priority

Sector1 Ambala 57% 80% 48% 58%2 Bhiwani 83% 79% 86% 83%


3 Faridabad 80% 145% 108% 129%4 Fatehabad 69% 142% 118% 75%5 Gurgaon 70% 146% 29% 84%6 Hisar 72% 109% 168% 83%7 Jhajjar 55% 57% 48% 54%8 Jind 87% 54% 93% 85%9 Kaithal 75% 74% 46% 72%10 Karnal 84% 74% 134% 84%11 Kurukshetra 83% 99% 77% 85%12 M.Garh 62% 146% 137% 76%13 Mewat 38% 37% 14% 35%14 Palwal 73% 58% 30% 65%15 Panchkula 100% 102% 111% 105%16 Panipat 90% 96% 79% 91%17 Rohtak 73% 196% 50% 88%18 Rewari 53% 55% 22% 45%19 Sirsa 68% 230% 13% 70%20 Sonepat 61% 387% 26% 79%21 Yamuna

Nagar98% 118% 103% 101%

Total 75% 116% 63% 81%

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

As against the annual target of Rs.80371 Crore, the Public & Private Sector Banks have disbursed loans amounting to Rs.66116 Crore. The achievement works out to be 82%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.6496 Crore under Priority Sector as against annual target of Rs.8679 Crore thus showing achievement of 75%. Whereas, the Cooperative Banks & others have disbursed loans amounting to Rs.11517 Crore against the annual target of Rs.14903 Crore. The achievement comes to 77%.

Agriculture & Allied Activities


As against the annual target of Rs. 48000 Crore under this sector, the Public & Private Sector Banks have disbursed loans amounting to Rs.36125 Crore, the achievement comes to 75%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.5961 Crore under this sector as against the annual target of Rs.7617 Crore, the achievement comes to 78%.

The Cooperative Banks have disbursed loans amounting to Rs.9791 Crore against the annual target of Rs.13546 Crore, thus achievement comes to 72%.

Micro, Small & Medium Enterprises/ Non-Farm Sector As against the annual target of Rs.17848 Crore under this sector,

Public & Private Sector Banks have disbursed loans amounting to Rs.21574 Crore. The achievement comes to 121%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.364 Crore under this sector as against the annual target of Rs.351 Crore; the achievement comes to 104%.

The Cooperative Banks & others have disbursed loans amounting to Rs.403 Crore against the annual target of Rs.981 Crore; the achievement works out to 41%.

Other Priority Sector As against the annual target of Rs.14523 Crore under this sector,

the Public & Private Sector Banks have disbursed loans amounting to Rs.8417 Crore. The achievement works out to 58%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.171 Crore under Other Priority Sector as against the annual target of Rs.710 Crore, thereby showing achievement of 24%.

The Cooperative Banks have disbursed loans amounting to Rs.1323 Crore against the annual target of Rs.376 Crore; the achievement works out to 351%. The House may review.

AGENDAITEM NO. 15

PROGRESS UNDER DEBT SWAP SCHEME DURING THE YEAR ENDED MARCH 2017 (2016-17)

With a view to bring the farmers out of the clutches of money lenders/ non institutional lending agencies, a target of 3% of agriculture disbursement has been fixed for banks under the scheme. The progress made by banks is being reviewed in each SLBC meeting.


The summarized position of achievement under Debt Swap Scheme during the period ended March 2017 is as under:-

(Amt. Rs. in Lakh)Lending Institution Disbursemen

t under Agriculture

Target (3% of Disb. under Agriculture)

Achievement under Debt

Swap SchemePublic Sector Banks 2772206 83166 4811 (6%)Private Sector Banks

840301 25209 865 (3%)

RRBs 596116 17883 6346 (35%)Coop. Banks 979101 29373 1255 (4%)Total 5187724 155632 13276 (9%)

The Bank wise position is available in Annexure No. 28.1 (P-200).It is observed that an amount of Rs.13276 Lac has been granted as loan under the scheme during the year ended March 2017, which is 9% of the allocated target. Upto the period ended March 2017 banks have reported adoption of only 156 villages (Bank of India-6,Canara Bank-3, Dena Bank-6, Indian Bank-8, IOB-18, OBC-21, PNB-57, SBI-12, Syndicate Bank-3, Union Bank of India-1 and Sarva Haryana Gramin Bank 21).The Bank wise position is available in Annexure No. 28.2 (P-201).The Controlling Heads of Banks are requested to advise their field functionaries to adopt one village in each district where they are having branch and lend liberally under the scheme to get the farmers out of clutches of money lenders. LDMs are requested to coordinate with banks and finalize Bank-wise adoption of villages.

SLBC Secretariat vide its letter dated 18th March, 2017 had requested Controlling Heads of banks to advise their branches to adopt villages in their service area so that the farmers could be got free from the clutches of money lenders. LDMs were also advised to allocated villages to the banks operating in their respective districts for the above said purpose. LDM Fatehabad and Rewari have allocated 139 and 31 villages of their district respectively to various banks operating in their respective


districts. Remaining LDMs are requested to allocate the villages to the banks in their respective districts to ensure that the farmers/villages are got free from the clutches of the money lenders.Controlling heads of banks are once again requested to initiate necessary steps in this regards through their branch network in rural Haryana.The house may deliberate.AGENDA ITEM NO.16

DOUBLING THE FARMER’S INCOME BY 2022

During the deliberations of 139th meeting of SLBC Haryana held on 15.02.2017, the ACS Finance advised SLBC Secretariat to organize a meeting of the Sub Group formed as per the discussions held in the 137th meeting of SLBC Haryana held on 12.08.2016.

Accordingly, a meeting of the Sub-Group on Doubling of Farmers’ Income by 2022 was organized by SLBC Secretariat on 02.05.2017 and the important points emerged in the meeting are as under:-

Reduce the cost of Cultivation by adopting proper time of Sowing/ Planting, Applying timely and optimum amount of Fertilizers, Herbicides etc.

In Haryana 65% to 70% Farmers are Small and Marginal Farmers and they hold approx 70% of the Agriculture Land. The main part of strategy of each stakeholder should be to increase the income of Small and Marginal Farmers.

Adopt Technologies like Laser Land Leveling, Zero Tillage, Minimum tillage, Direct Seeding of Rice (DSR), Deep ploughing in Summer Season etc.

Use of Poly house Techniques and growing off Season Vegetables.

By adopting Precision Farming Technique which helps in effective use of inputs, reduce environmental pollution, reduce cost of Cultivation etc.

Adopting Animal Husbandry, Fisheries and crop cluster development programme to promote aggregation of produce and organized marketing through Farmer Producers Organization (FPO).


Adopting irrigation methods Like Drip Irrigation, Sprinkler Irrigation etc.

Providing better marketing facilities and creation of e-platforms to the farmers because farmers can get remunerative prices of their produce if market sector is well organized.

Providing better Post harvest and storage Facilities to Farmers because if farmers can’t get remunerative price in the season they store their produce and sell in off season

Establishment of food processing units and promote value addition of Agriculture produce.

Periodical soil testing of the field by the farmer and add proper soil amendments base on the soil like saline, acidic and alkaline soils.

Approach to Integrated Nutrient Management (INM), Integrated Weed Management (IWM), Integrated Pest management (IPM) etc.

By adopting Integrated Farming System Approach like Agriculture-Animal Husbandry-Mushroom Production Agriculture- Animal Husbandry-Poultry-Mushroom production, Agriculture – beekeeping etc. Because in this system waste product of one enterprises becomes input for other enterprises hence input cost of farmers is reduced and income from other enterprises and include in the total income of the farmer.

Improving agricultural productivity in rain fed regions. Agri. Mall should be available in every town/district Headquarter,

so that farmers could sell the vegetables/fruits on higher rate. Only Farmers should be allowed to sell their produce in Apani

Mandis.ACTION: AGRICULTURE DEPARTMENT GOVT. OF

HARYANA/NABARD/ALL BANKSSuggestions for banking sector came forth in the meeting are given as under:-

Simplification of the agriculture loan application forms of banks; streamlining the process so as to facilitate easier processing of loan applications and speedier sanction of loan etc.


Since the scope of MUDRA has been enlarged as the activities allied to agriculture (upto Rs.10 lac), (excluding Crop loans, Land improvement such as Canal irrigation, wells etc.), include pisciculture, beekeeping, poultry, livestock rearing, grading, sorting, agro Industries, dairy, Agri-clinics and Agribusiness centres, Food & Agro-processing etc., Now the income of the farmers can be increased by promoting these activities by giving him the loans for these activities under MUDRA in addition to income earned by him from his usual job of agriculture.

For reducing the cost of production and producing crop by using the minimum cost, the farmers need to be guided on many technical issues of land reforms, soil conservation, quality etc. For this more & more Agri clinics should be financed by banks.

Demonstrative farms/field equipped with sprinkler, drip irrigation, solar pump set etc. exhibiting the use of compost fertilizer, growing of commercial crop, unseasonal vegetables, floriculture & horticulture should be developed by State Agriculture Department at each district level for encouraging the farmers to adopt the same type of Agri practice. Such demonstrative fields of progressive farmers should be more and more financed by the banks.

Banks should increase financing for construction of new cold storage/warehouses, Refrigerated Vans for carrying vegetable/fruits, flowers etc. to the markets.



COMPUTERISATION OF LAND RECORDS IN HARYANA – INTERFACE WITH BANKING SYSTEM-CREATION/ RELEASE OF ON-LINE CHARGE ON LAND HOLDINGS

To discuss the possibility of providing a User ID and Password to banks for recording online charge against the agriculture loans provided by the banks to farmers, a meeting was convened on 05.04.2017 in which, ACS, Revenue & Disaster Management Department, Haryana, ACS Finance & Planning, Haryana, Convener SLBC, Under Secretary Revenue, Haryana also participated.


During the deliberations ACS Revenue, advised Mr. Surjit Singh, Technical Director looking for technical support of the portal to explore the possibility of providing User ID and Password and other issues/aspects as discussed for land record portal. The possibility, if any, shall be apprised to SLBC-Haryana by the Department.

The Representative from Department of Revenue/Land Records, Haryana may provide latest update on the issue to the house.The House may discuss.


ISSUES OF REVENUE DEPARTMENT HARYANA

To discuss and resolve the pending SLBC issues with Revenue & Disaster Management Department, Haryana as per the advice of ACS Finance & Planning, Haryana a meeting was convened on 05.04.2017 in which, ACS, Revenue & Disaster Management Department, Haryana, ACS Finance & Planning, Haryana, Convener SLBC, Under Secretary Revenue, Haryana also participated.

1. SLBC Secretariat has been regularly following up with Revenue & Disaster Management Department Haryana (Communications dated 13.04.16, 12.05.16, 22.06.16, 19.07.2016, 23.08.16, 03.09.16 and SLBC meeting dated 15.11.16) for clarifying whether charge is to be created on the agriculture land against which financial assistance is to be provided by the banks, as per section 4 (1) of the HACOMP Act, 1973 and whether such creation of charge will be a valid charge under the act that means when borrower defaults in repayment of bank dues the bank can sell the related property as per the provision of the law as in the case of Registered Mortgage or by execution of registered mortgage deed as being done by banks as per prevailing practice.

But the necessary clarification has since not been provided by the Department so far resulting in further delay in conveying the same to the SLBC member banks operating in the State of Haryana facilitating them agriculture financing.

During the deliberations on the above issue in the meeting dated 5th

April, 2017, it was deliberated that Revenue Department was requested to guide specifically that whether charge is to be created on


the agriculture land against which financial assistance has been provided by the banks, as per section 4 (1) only of the HACOMP Act, 1973 and whether such creation of charge will be a valid charge under the act that means when a borrower defaults in repayment of bank dues the bank can sell the related property as per the provision of the law under HACOMP Act as in the case of Registered Mortgage or by execution of registered mortgage deed as being done by banks as per prevailing practice. During discussion Sh.R.C. Sangwan, Consultant, apprised about the orders of Hon’ble Supreme Court of India.

Madam Keshni Anand Arora advised the consultant and dealing officials of Revenue Department to go through the details of the orders of Hon’ble Supreme Court of India so that fresh guidelines may be issued to the field and banks may give finance to the farmers accordingly.Representative of Revenue and Disaster Management Department, Haryana may apprise the house in this regard.

2. Revenue & Disaster Management Department Haryana is requested that in case of declaration of any natural calamity in the State of Haryana or any part of the State of Haryana, a copy of the Notification issued by the Department/Government of Haryana may please immediately be provided to SLBC Secretariat for convening Special SLBC meeting and onward communication to the Lead District Managers for convening Special DCC/DLRC meeting.

During the deliberations in the meeting dated 5th April, 2017, ACS Revenue & Disaster Management Department, Haryana advised the concerned officials to ensure to provide the information/copy of notification issued by the Department/Govt. of Haryana related to declaration of Natural Calamities from time to time to SLBC for their further action. Hence the issue is resolved.

Representative of Revenue & Disaster Management Department, Haryana may apprise the house.


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


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

- 3153 training programmes of Skill Development have been organized upto March, 2017 wherein 86944 trainees participated.

- 14107 trainees have been financed by the banks to start their Enterprises, 36844 trainees have set up enterprise with their owned funds and 5715 trainees got wage employment.

- Settlement rate is 65%.- Out of the total 86944 trainees, 30570 were from SC/ ST

category, 23962 from OBC, 6211 from Minority and 26201 were from other categories.

- 45490 women & 453 Handicapped persons have also been provided training for self-employment.

- 4513 trainees have also been sponsored by KVIC/KVIB/DIC. Performance of the RSETIs functioning in the State up to March, 2017 is given on Annexure No.29.1 (P-202). The House may review. AGENDA ITEM NO. 18.2

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

In the 137th SLBC Meeting held on 12-08-2016 issues relating to Settlement and Credit Linkage of RSETI trainee were deliberated and decision emerged to implement were conveyed to all Controlling heads of banks.To improve the settlement rate of RSETI trained candidates, bankwise pendency has been collected from RSETIs and compiled by SLBC Secretariat. Bankwise and Districtwise progress alongwith the pendency is given on Annexure No.29.2-29.3 (P 203-204)

From the progress it has been observed that:-- During the financial year 2016-17 ended on March, 2017, 3741

loan applications of RSETI trained candidates have been sponsored to various banks operating in the State of Haryana.


- Out of 3741 applications, 1303 loan applications have been sanctioned and disbursement has been made to 1165 applicants.

- 954 applications have been rejected.- 1484 Applications were still lying pending for disposal with

various branches of banks in the State as at March, 2017. A copy of the progress report has been forwarded to the concerned banks with a request to advise their branches in the respective districts to dispose of the applications lying pending with them so that the settlement rate of RSETI Trained candidates could be improved further for making them self-reliant.Controlling heads of SLBC Member banks are again requested to advise their field functionaries to:-

1) Sponsor/ Refer, Candidates to RSETIs for Training/Skill Development being conducted for different fields in RSETI’s.

2) Dispose of the Loan Applications of RSETI trained Candidates Sponsored by RSETI’s on Priority.

3) Rejections of RSETI Loan applications are to be considered by Next higher authority at Controlling Level.

The Controlling Heads of the SLBC Member Banks are requested to confirm issue of directions to their branches in this regard.The Lead District Managers are also being advised to obtain the details of pending cases from the respective RSETIs and get the pendency cleared from the concerned banks. LDMs to ensure that pendency in such cases should not be more than 15 days. AGENDA ITEM NO. 18.3

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

As advised by ACS Finance and Planning, Govt. of Haryana in the 139th

meeting of SLBC Haryana held on 15.02.2017, a Video Conference was held on 29.04.2017 under the Chairmanship of Shri P.Raghavendra Rao, IAS, ACS, Finance with the Deputy Commissioners/Additional Deputy Commissioners and LDMs of the State of Haryana.


In the Video Conference apart from the other issues, issues hindering the construction of RSETI buildings in Haryana, the ACS Finance advised the concerned DCs/ADCs to initiate immediate steps to resolve the pending issues as RSETIs are providing free of cost skill development training to poor and unemployed people of the State to make them self reliant.Nodal Executive of PNBCRDT is requested to apprise the latest progress to the house with regard to issues hindering the construction of RSETI buildings.

AGENDA ITEM NO. 19

EDUCATION LOAN SCHEME – TARGETS VIS-À-VIS ACHIEVEMENT

Government of India is monitoring the progress under Education Loan Scheme through Department of Financial Services (DFS), MOF, Govt. of India, New Delhi on regular basis.

Against the target of Rs. 1608 crore (outstanding), the achievement of banks as at March, 2017 against the annual target was 1367crore i.e. 85%. The house may review. AGENDA ITEM NO. 19.1

BANKWISE PROGRESS UNDER EDUCATION LOAN SCHEME

The performance of Banks under this scheme is given below:-(Amt. Rs. In Crore)

Year No. of A/cs

Balance Outstanding

IncreaseAbsolute %age

March 2015 44780 1251.50 77.18 6.6%March 2016 45591 1337.59 86.09 6.87%March 2017 44500 1366.58 28.99 2.2%Bank-wise achievement vis-à-vis target is given in Annexure No.30.1 (P-205) During the review period, the education loans in the State have registered an increase of Rs.28.99 Crore from Rs.1337.59 Crore as at


March, 2016 to Rs.1366.58 Crore as at March, 2017 thus showing YoY growth of 2.2%. During the year ended March, 2017, banks have disbursed a sum of Rs.238.55 Crore to 7856 students.


BANKWISE PROGRESS UNDER EDUCATION LOAN SCHEME (FEMALE STUDENTS)

Education to female children is pre-requisite not only for women empowerment but also for socio economic development of the State. Banks have been contributing adequately in facilitating higher/ technical education among the girl students in the State of Haryana.

The performance of Banks in this regard as at March, 2017, is given below:-

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

A/csBalance

OutstandingIncrease

Absolute %ageMarch 2015 13868 355.22 -13.87 -3.8%March 2016 14289 392.44 37.22 10.5%March 2017 14210 408.46 16.02 4.1%During the year ended March, 2017, banks have disbursed a sum of Rs.67.91 Crore to 2127 female students. All the Member Banks are requested to lend liberally to female students in the state.Bank wise position is given on Annexure No.30.2 (P-206).AGENDA ITEM NO. 19.3

POSITION OF NPA IN EDUCATION LOANS

(Amt. Rs. in Crore)Total Outstanding

as at 31.03.17Out of Col. 2 amt.

of NPA

%age of NPA to

total O/s

Out of Col.2 Education

Loans granted

Collateral Free (Amt.)

Out of Col. 5

Amt. of NPA

%age of NPA to

Collateral Free Loans

No. of A/cs

Amount

1 2 3 4 5 6 744500 1366.5 97.51 7.1% 777.55 75.27 9.7%


8

From the above position, it is observed that out of total outstanding of Rs.1366.58 Crore under Education Loan Scheme as at March, 2017, a sum of Rs. 97.51 Crore i.e.7.1% has become NPA. Out of the collateral free loans of Rs.777.55 Crore under the Education Loan Scheme, a sum of Rs.75.27 Crore or 9.7% falls under NPA. Bank wise position is given on Annexure No. 30.3 (P-207).

The house may deliberate.

AGENDA ITEM NO.19.4

POSITION OF NPA IN EDUCATION LOANS TO FEMALE STUDENTS

(Amt. Rs. in Crore)Total Outstanding as at 31.03.2017

Out of Col. 2 amt.

of NPA

%age of NPA to

total O/s

Out of Col.2

Education Loans

granted Collateral

Free

Out of Col. 5

Amt. of NPA

%age of NPA to Collateral Free Loans

No. ofA/cs

Amount

1 2 3 4 5 6 714210 408.46 23.14 5.7% 223.55 16.12 7.2%

From the above position, it is observed that out of total outstanding of Rs.408.46 Crore under Education Loan to 14210 female students as at March, 2017, a sum of Rs.23.14 Crore i.e 5.7% has become NPA. Out of total collateral free loans of Rs.223.55 Crore, a sum of Rs.16.12 Crore or 7.2% falls under NPA.

Bank wise data is given on Annexure No. 30.4 (P-208)


NATIONAL RURAL LIVELIHOOD MISSION (NRLM)


Performance of bank NRLM during the year ended March, 2017 was reviewed in the Ist meeting (2017-18) of Steering Committee/Sub Committee to SLBC Haryana held on 02.05.2017.

While reviewing the progress it was informed that NRLM is being implemented in 68 blocks during the year 2017-18 whereas 43 blocks were covered during the year ended March, 2017. The Controlling heads of banks were requested to:-

1. Advise their field functionaries to dispose of the applications lying pending with them for more than one month immediately and the applications lying pending for less than one month should also be disposed of on merits.

2. To nominate their Branch Managers for training/sensitization at the Regional Training Centres of HSRLM at Nuh, Bhiwani and Kaithal.

3. Recognize/reward the efforts of best SHG performing branches suitably as per the scheme of their bank in order to uplift their efforts in financing the Self Help Groups.

4. Advise the specific branches that have some issues/problems in SHG Financing under NRLM.

5. Impart instructions to achieve the allocated target for SHG Bank Linkage during the year 2017-18 so that the progress of the State could be improved considerably.

The Lead District Managers of Haryana are requested to ensure convening/holding of DCC meeting on NRLM regularly on monthly basis.

AGENDA ITEM NO.20.2

PROGRESS UNDER NATIONAL RURAL LIVELIHOOD MISSION (NRLM) DURING THE YEAR ENDED MARCH, 17

20.2 (i) Bankwise Progress under NRLM provided by HSRLM for the period ended March, 2017 is as under:-

Sr.No.

Name of Bank

Bank Linkage Targets 2016-17

% Ach. of SHG BL

No. No. %age Ach.of

%age Ach.of


SHGs BLTotal (Ist & 2nd Dose)

SHGs BLTotal (Ist Dose)

1st 2nd Total 1st 2nd Total

1 SHGB 1562 844 2406 657 528 1185 49% 42%2 PNB 1070 557 1627 542 327 869 53% 51%3 SBI 231 111 342 91 99 190 56% 39%4 OBC 221 57 278 50 14 64 23% 23%5 Syndicat

e115 63 178 53 52 105 59% 46%

6 Other banks

851 309 1160 312 250 562 48% 37%

Total 4050 1941

5991 1705 1270 2975 50% 42%

20.2 (ii) The bank wise pendency of loan applications of SHGs (NRLM) as on 31st March, 2017 is as under:-

Sr. No.

Name of Bank No. of Loan applications pending TotalUp to 1 Month Above 1 Month

1. PNB 90 151 2412. SHGB 108 94 2023. SBI 28 114 1424. Syndicate Bank 11 26 375. OBC 9 38 476. Other Banks 67 30 97 Total 313 453 766

HSRLM representative is requested to provide districtwise and branchwise details of pending cases enabling SLBC Secretariat


to provide the same to the concerned banks for early disposal of the same and clearance of pendency. The House may discuss.


STAMP DUTY ON CREDIT LINKAGE OF WOMEN SELF HELP GROUPS (SHGs)

During the last meeting of Sub-Committee to SLBC Haryana held on 30.01.2017 and Steering Committee to SLBC Haryana held on 03.02.2017 controlling heads of banks were requested to percolate the copy of notification issued by Revenue & Disaster Management Department, Haryana on 4th July, 2016 with regard to exemption of stamp duty on credit linkage of women SHGs upto Rs. 3.00 lacs for meticulous compliance of the same.

It is informed that the Convener Bank and Sarva Haryana Gramin Bank have issued necessary instructions in this regard.

Representatives of banks present in the meeting may apprise the status of their bank to the house.


EXPANSION OF NRLM IN HARYANA IN 2017-18

Intensive Implementation of National Rural Livelihoods Mission (NRLM) is being extended from 43 blocks to 68 blocks during the year 2017-18.

Details of existing blocks alongwith the Additional Blocks is given on Annexure No.15 (P-155) for information of the SLBC member banks and onward percolation of the same amongst their field functionaries in these districts/blocks.This is for the information of the house.


SHG BANK LINKAGE PLAN FOR 2017-18

Districtwise SHG Bank Linkage for the financial year 2017-18 is as under:-

S.No.

Name of District

No. of SHGs to be credit linked -1st Dose (10) 2nd/3rd Dose

1 Ambala 150 50


2 Bhiwani 400 3003 Faridabad 120 404 Fatehabad 400 2505 Gurgaon 120 406 Hisar 150 1007 Jhajjar 350 3008 Jind 225 409 Karnal 425 220

10 Kaithal 450 31011 Kurukshetra 150 3012 Mahendergarh 130 3013 Mewat 350 35014 Palwal 160 6015 Panchkula 300 15016 Panipat 100 2017 Rewari 160 4018 Rohtak 350 19019 Sirsa 100 020 Sonepat 100 3021 Yamunanagar 160 100

Total 4850 2650

Bankwise SHG Bank linkage targets for the FY 2017-18 have been conveyed to SLBC Member banks vide SLBC Haryana Secretariat e-mail dated 8th May, 2017.

A copy of bank wise district wise targets is given on Annexure No.31 (P-209).


SENSITIZATION OF BANKERS

HSRLM has proposed that a small power point presentation may be made in the ensuing SLBC meeting, inter alia, indicating the features of sound repayment behavior by the SHGs financed under NRLM. This would help in re-enforcing the concept amongst senior executives of banks and they may lay emphasis on the branch managers to meaningfully implement NRLM.Controlling heads of banks are again requested to organize short duration training programs in their Staff Training Colleges to sensitize


their branch level functionaries for which HSRLM has offered to provide faculty/training material.Further, HSRLM has also set up its own Regional Training Centres (RTCs) at Nuh, Bhiwani and Kaithal for sensitization of their own staff as well as other stake holders including bankers. It is proposed to organize seminars and work-shops at these RTCs exclusively for bankers, especially from the blocks now being taken up for intensive implementation of NRLM. Banks shall be approached for making nominations for these programmes by HSRLM.The house may discuss.


APPRECIATING HIGH PERFORMING BRANCH OFFICES OF BANKS

It is desirable that the branches which are performing well in financing SHGs should be suitably rewarded by banks. The SLBC Secretariat provided a gist of PNB SHG Puraskar Yojana for rewarding best performing branches in financing of Self Help Groups (SHGs). Punjab National Bank had advised its Circle Heads to invite entries for rewarding the best performance branch offices of their bank in the respective circles as well as at the State level.

As per our information and records following branches of different banks have done exceedingly well in SHG-BL under NRLM :

S.No.Bank Distt. BO BM1 SHGB Hisar Kathkola Satish Kumar

Rajpurs Darshan SinghPalwal AherwanKarnal Munak Vijay AryaRohtak MarodhiKaithal Kangthali Karnail Ram

Bhuna Dalip SinghBhiwani Jamalpur PK Jain

Tigrana Rajiv KumarNuh Md.p. Ahir G.S. Mangla

Khori Aijaz AhmedTauru A.K. Rastogi

2 PNB Hisar Luhari Sandeep Kaushik


Karnal Kutail R K RohilaChaura Dinesh Chhabra

Rohtak NiganaChiri

Kaithal Bhagal A K Gupta3 SBI Hisar Moth H P singh

4 Canara Bank Hisar Narnaund Ms Gagan BalaPalwal Palwal

Hathin5 Synd. Bank Karnal Barota Vivek Brotha

Nuh Tauru R.K. Kharbanda


OPERATIONAL PROBLEMS

1. Pendency of SHG-BL applications

It has been informed by HSRLM that there were nearly 750 applications of SHG-BL pending with different BOs as at the close of 31st March,17. Many of them were pending for more than one month. There is need to streamline this aspect for efficient implementation of NRLM especially now when the programme is being expanded sizably.Representative of HSRLM is requested to provide districtwise and branchwise details of pendency for taking up the matter with the concerned banks for disposal of pending applications.

2. Non-holding of CBRM meetings by BMs

It has been informed by HSRLM that there are many BOs where the SHG-BL has become a focused activity with number of SHGs credit linked there ranging from 30 to 50. At these BOs, the accounts of primary level federations of SHGs called Village Organizations (VOs) have also been opened. There are nearly 360 VOs covering nearly 3750 SHGs. At some of such BOs , Bank Mitras have been deployed by HSRLM to facilitate the SHG-Bland other related banking activities to help the BMs on the one hand and the SHG members visiting the BOs on the other. At these BOs, the BMs are


called upon to convene meetings of the VO/SHG authorized representatives as Community Based Recovery Mechanism (CBRM) as per the guide lines of RBI/Banks to strengthen the efficiency of SHG-BL on an on-going basis. This would keep the credit portfolio healthy.

However, it has been observed that such meetings are being held rather sparingly. SLBC may lay emphasis on this aspect.

3. Non-holding of DCC Sub-committee on NRLM by LDMs.For effectively and meaningfully implementing the AAP under NRLM, HSRLM has worked out block-wise, bank-wise and branch-wise credit linkage plan. This needs to be monitored at district level for which DCC Sub-committee on NRLM has been formed in every district. It is desirable that periodical meeting of the sub-committee is organized by the LDM with which the DPM, HSRLM must associate keenly in developing the agenda and in the deliberations.

Such meetings are reportedly not being held on regular basis. It is proposed that SLBC may suitably advise the LDMs in this regard and instruct them to send the minutes of the meeting to HO, HSRLM also.LDMs of Haryana have already been advised to hold District Consultative Committee meetings on NRLM. SLBC Secretariat shall again advise the LDMs to ensure compliance of the above.AGENDA ITEM NO. 21.1

PROGRESS UNDER SELF HELP GROUPS (SHGs)

A target of 5000 and 10000 for Saving & Credit Linkage of Self Help Groups for the financial year 2016-17 has been allocated for the State of Haryana by NABARD. From the progress report of Self Help Groups (SHGs) during the year ended March, 2017 (2016-17), it has been observed that against the target of Saving Linkage of 5000 SHGs, banks have saving linked 3141 SHGs and 44282 SHGs have been reported saving linked since inception of the scheme. Out of these, 16950 SHGs are NRLM compliant.


Similarly, against the target of Credit Linkage of 10000 SHGs, banks have credit linked only 2008 SHGs during the year ended March, 2017 (2016-17) and 30864 SHGs have been reported credit linked since inception of the scheme. Out of these, 12504 SHGs are NRLM compliant.Bank wise progress under Saving and Credit Linkage of Self Help Groups (SHGs) is given on Annexure No. 32 (P-210).



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

Digital India Programme has been launched by Govt. of India under which all schemes and programmes are being digitalized by Govt. of India. Under this process, NABARD is digitalizing SHG data in 22 districts of the country including District Ambala in Haryana State. After collecting SHG Data of district Ambala, the same is to be uploaded in soft form on website”E-Shakti.nabard.org.”. NABARD has selected Two Project Implementing Agencies (PIAs) Ujala Welfare Committee and Infosys Federation & Educational Council. The projects of these PIAs have been approved by NABARD. These agencies are forming SHGs in the District and after collection and compilation of SHG data of District Ambala will be uploaded on the website.6th & 7th meetings of PIMC on Eshakti Phase-II-Digitization of SHGs in Ambala District were held on 27.02.17 and 29.03.17. During the last meeting it was informed that 100% Digitization of the targeted SHG accounts has been achieved. & their data has also been uploaded on the Mobile of the animators. Now the task ahead is to focus on Credit Linkage of already formed SHGs instead of forming new SHGs. As per EShakti portal only 84 SHGs have been credit linked out of 506 SHGs. Representative of NABARD may apprise the house about the latest progress made in this regard.

AGENDA ITEM NO. 22.

JOINT LIABILITY GROUPS (JLGs) TARGET 2016-17 VS PROGRESS UPTO MARCH 2017 (2016-17)


From the progress report it has been observed that against the target of financing of 2100 JLGs, 849 JLGs have been financed upto the period ended March 2017 (2016-17). Controlling heads of banks are requested to advise their field functionaries to pay focused attention towards achieving the targets allocated to their bank.Bankwise progress under financing to Joint Liability Groups is given on Annexure No. 33 (P-211).The house may review.AGENDA ITEM NO. 23

REVIEW OF GOVT. SPONSORED SCHEMES & PROGRAMMES


NATIONAL URBAN LIVELIHOOD MISSION (NULM)

Performance of banks under NULM during the year ended March, 2017 was reviewed in the Ist meeting (2017-18) of Steering Committee/Sub Committee to SLBC Haryana held on 02.05.2017.

While reviewing the progress it was informed that NULM is being implemented in all the 80 Towns/MCs of the State during the year 2017-18. The Controlling heads of banks were requested to advise their field functionaries to dispose of the pending applications immediately on merits of the each case.

Representatives of SUDA were requested to:-

i) Analyze the reasons for low progress under the scheme.ii) Sponsor applications maximum applications upto December,

2017 enabling the banks to dispose of/sanction the applications and ensure their disbursement before the end of the financial year 2017-18

iii) Avoid piling up of applications at the fag end of the financial year.

iv)Advise the District Level Field Functionaries to scrutinize the applications properly before sponsoring to the banks so that the rejection rate could be minimized.


The Lead District Managers of Haryana are requested to ensure review of progress under the scheme in Standing Committee meetings regularly on quarterly basis.However, progress under the scheme as at March 2017 is given below for information of the member banks.


PROGRESS UNDER NATIONAL URBAN LIVELIHOOD MISSION (NULM) FOR THE YEAR ENDED MARCH, 2017

Progress under NULM conveyed by the Mission Director, State Urban Development Authority (SUDA) for the year ended March, 2017 is as under:-

A)Self-Employment Programme (Individuals)Target

Cases Sponsored

Sanctioned

Disbursed

Rejected

Pending for sanction

Pending for Disb.

3750 3268 528 371 579 2161 157

B)Self-Employment Programme (Groups)Target

Cases Sponsored

Sanctioned

Disbursed

Rejected


Pending for Disb.

176 96 18 6 4 74 12

C) Financing of Self-Help Groups (SHGs)Target

No. of SHGs formed

Cases Sponsored

Sanctioned

Disbursed

Rejected


Pending for Disb.

500 294 - - - - - -

From the above it is observed that:-1) Against the target of 3750 individual beneficiaries 3268

applications were sponsored. Out of these, only 528 cases have been sanctioned and out of which 371 cases have been disbursed during the year ended March, 2017. 579 Applications have been


rejected and 2161 and 157 cases were still lying pending for sanction and disbursement respectively with the banks as at March, 2017.

2) Similarly, against the target of 176 Group beneficiaries, 96 applications were sponsored. Out of 96, 18 applications have been sanctioned by banks during the year ended March, 2017 and only 6 applications have been disbursed. 4 Applications were rejected and 74 and 12 cases were still lying pending for sanction and disbursement respectively with various bank branches as at March, 2017.

3) 294 SHGs have been formed under NULM and No loan application of Self Help Group (SHG) has been sponsored to bank during the year ended March, 2017 against the target of 500.

Bankwise/Districtwise progress/pendency as at March, 2017 provided by SUDA has been placed at Annexure No.34.1-34.5 (P212-216) for information of the SLBC Members Banks.

Controlling heads of banks are requested to advise their field functionaries for disposal of the pending applications at the earliest and disbursement of sanctioned cases without further delay and ensure that no applications remains pending without any justified reason.


TENTATIVE TARGETS UNDER NATIONAL URBAN LIVELIHOOD MISSION (NULM) FOR THE FINANCIAL YEAR 2017-18

State Urban Development Authority (SUDA) has provided districtwise targets under the scheme for the financial year 2017-18 as under:-

Scope of Implementation

Self Employment Programme-Individuals

Self Employment Programme-

Groups

Self Help Groups (SHGs)


All 80 Towns of 22 Districts of Haryana

6000 1500 6600

The disrictwise targets have been further communicated to Lead District Managers of Haryana for allocation amongst various banks operating in their respective districts.

Lead District Managers are requested to allocate the targets without any further delay and send a copy of bank wise allocation for compilation of bankwise targets for the State as a whole.



PRIME MINISTER EMPLOYMENT GENERATION PROGRAMME (PMEGP)-PROGRESS DURING THE YEAR ENDED MARCH, 2017

The State Office, KVIC Ambala has provided bankwise/districtwise progress under Pradhan Mantri Employment Generation Programme (PMEGP) for the year ended March, 2017 (Offline and Online) which is summarized as under:-S.No.

Agency Original Targets No. of Appl. Forwarded to Banks

No.of Projects

Margin Money(Rs.in

Empl. (Nos.)

Upto 30.06.16

1.7.16-31.03.17

Total


Lakh)1. KVIC 506 1011.3

94048 257 785 1042

2. KVIB 506 1011.39

4048 442 1366 1808

3 DIC 674 1348.53

5392 558 2514 3072

Total 1686 3371.31

13488 1257 4665 5922

S.No.

Agency Applications Sanctioned by banks

Margin Money Sanctioned by banks

Appls. forwarded upto 30.06.16 (Offline Mode)

New E-Portal (Online)

Total Appls. forwarded upto 30.06.16 (Offline Mode)

New E-Portal (Online)

Total

1. KVIC 227 187 414 810.64 522.22 1332.86

2. KVIB 305 334 639 813.41 794.09 1607.50

3 DIC 377 666 1043 701.27 1306.84 2008.11

Total 909 1187 2096 2325.32

2623.15

4948.47

S.No.

Agency Margin Money Claimed by banks

Margin Money claimed by banks

Offline (upto

30.6.16 & Through

Online Total Offline Online Total


Corpn. Bank)

1. KVIC 223 122 345 797.29 346.45 1143.74

2. KVIB 296 221 517 795.89 544.93 1340.82

3 DIC 370 385 755 691.84 786.80 1478.64

Total 889 728 1617

2085.02

1678.18

3963.20

S.No.

Agency Margin Money Disbursed by banks

Margin Money Disbursed by banks

Offline (upto

30.6.16 &

Through Corpn. Bank)

Online Total Offline Online Total

1. KVIC 216 98 314 775.32 275.11 1050.43

2. KVIB 288 161 449 770.00 384.34 1154.34

3 DIC 348 266 614 651.50 527.26 1178.76

Total 852 525 1377 2196.82

1186.71

3383.53

S.No.

Agency Employment Nos. % age Achievement against Old TargetOffline Online Total

1. KVIC 1784 1136 2920 104%2. KVIB 2368 1704 4072 114%3 DIC 2960 1896 4856 87%


Total 7112 4736 11848 100.4%Bankwise/Districtwise Progress is given on Annexure No.35.1-35.2 (P 217-218)

The following observations were made by the Lead District Managers in the State of Haryana:-

- Private Sector Banks have not sanctioned a single loan applications forwarded online.

- Online applications were forwarded to the banks beyond their service area.

- Applicants don’t turn up for submission of documents in the bank branches despite of constant follow up which result in rejection/returning/delay in disposal of loan applications.

Representatives of KVIC/DIC may apprise the house in this regard. The house may discuss.


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

From the progress report of sponsored cases by Haryana Scheduled Castes Finance & Development Corporation for the year ended March, 2017, it has been observed that as against the target of 8000, 14490 cases were sponsored to the banks during the year ended March, 2017. Out of these, 5258 cases have been sanctioned and 5220 cases have been disbursed. 6186 (2519+3667) cases have been rejected/returned by banks and 3046 & 38 cases were pending with banks for sanction and disbursement respectively as at the end of March, 2017. The bankwise/districtwise details of pending cases are given on Annexure No.36.1-36.2 (P 219-220). SLBC Member banks are requested to advise their field functionaries to dispose of the applications lying pending with them for sanction on priority and disburse the sanctioned cases at the earliest so that the back log for the FY 2016-17 is cleared.


The house may review.


TARGETS UNDER CASES SPONSORED BY HARYANA SCHEDULED CASTES FINANCE & DEVELOPMENT CORPORATION (HSCFDC)

The Office of Managing Director Haryana Scheduled Castes Finance & Development Corporation (HSCFDC) vide their letter dated 5th April, 2017 have conveyed Districtwise and Schemewise Physical and Financial targets for the Financial Year 2017-18. These targets have been forwarded to all Lead District Managers of Haryana vide letter dated 11th April, 2017 with an advice to allocate the same amongst the banks operating in their respective districts and to make concerted efforts to achieve the allocated targets by the concerned banks.

Controlling Heads of SLBC member banks are requested to issue suitable/necessary instructions to their field functionaries in this regard.This is for information of the House.


ADOPTION OF REVISED POVERTY LINE LIMITS

The Office of Managing Director, Haryana Scheduled Castes Finance and Development Corporation vide their letter dated 20th April, 2017 have informed that in view of upward revision of poverty line limits by Govt. of India, the State Govt. has approved the adoption of revised poverty line limits by Haryana Scheduled Castes Finance and Development Corporation under its schemes as under:-

S.No.

Particulars Annual Family Income SchemeRural Areas

Urban Areas

1. Below Poverty Line (BPL)

Rs.49000/- Rs.60,000/- Bank Assisted Schemes


2. Double Below Poverty Line (DPL)

Rs.98000/- Rs.1,20,000/-

NSFDC Assisted Schemes

The above information has been conveyed to all SLBC member banks by SLBC Haryana Secretariat on 24th April, 2017 for information and necessary action for the Controlling Heads of banks in the State of Haryana.AGENDA ITEM NO. 26

PROTECTED CULTIVATION IN HARYANA- BANKABLE PLAN FOR 2016-2017

Bankwise Targets for financing under Bankable Plans for Protected Cultivation/Poly Houses for the year 2016-17 have been allocated by NABARD which have been incorporated in the progress report for the year ended March 2017 given on Annexure No.37 (P-221).

However, from the progress report received from banks, it has been observed that the achievement of banks under Naturally Ventilated Poly House Model (NVPH) upto the period ended March 2017 is 66 units amounting to Rs.3644 lacs against the target of 1007 units with an amount of Rs.2346 lacs respectively.

Similarly, the achievement of banks under Walk in Tunnel Model (WIT) upto the period ended March 2017 is 7 units amounting to Rs.56 lacs against the target of 371 units with an amount of 557 lacs respectively.The House may review.

AGENDA ITEM NO. 27

CASES SPONSORED BY NATIONAL HORTICULTURE BOARD (NHB)

From the Progress report received from the National Horticulture Board, RO Chandigarh it has been observed that 47 LOIs (RBL Bank-15, Karnataka Bank-12, CBI-5, PNB-4, SBOP-3,Andhra Bank-2, IDBI Bank-1, IOB-1 and Sarva Haryana Gramin Bank-4) were issued during the financial year 2016-17 under Scheme No.1 of NHB and No LOI was issued under Scheme No.2.

28 LOIs were disbursed by banks (PNB-6, Allahabad Bank-1, Bank of Baroda-2, Dena Bank-1, Federal Bank-1, J&K Bank-1, OBC-2, P&SB-1,SBI-1,SBOP-8,SHGB-2, UBI-1, RBL-1) in the State of Haryana during the year ended March, 2017 under NHB Scheme No.1 and N0 LOI has been disbursed under NHB Scheme No.2.


Total Subsidy amounting to Rs.475.313 lacs in 28 projects under NHB Scheme 1 has been released by National Horticulture Board during the current financial year upto the period ended March, 2017 (2016-17).Details of Bankwise Letter of Intents (LOIs) issued and subsidy released during the year ended March, 2017 is given on Annexure No.38.1-38.2 (P 222-223).Controlling heads of concerned SLBC member banks are requested to advise their field functionaries to sanction loans against the LOIs issued on merits at the earliest.The representative of National Horticulture Board may apprise the house in this regard.The house may discuss.AGENDA ITEM NO. 28.1

RECOVERY UNDER HACOMP ACT

The position of recovery certificates as at March 2017 is given hereunder:-

(Amt. Rs.in Crore)Particulars A/cs Amount

Total cases pending as at 31.03.1620034 538.58

Cases filed during the period ended March 2017 (1.04.16-31.03.17)

5764 367.22

Cases disposed of during the period ended March 2017 (1.04.16-31.03.17)

7796 231.74

Cases pending as at March 2017 18002 674.07Pendency levelUp to 6 months 3393 176.646 months to 12 months 5587 206.161 year to 3 years 7642 239.28Above 3 years 1380 51.99Total 18002 674.07

Bankwise/Districtwise position is given in Annexure No. 39.1 & 39.2 (P 224-225)


OBSERVATIONS:

18002 Recovery Certificate cases amounting to Rs.674.07 crore were pending as at 31.03.2017 as against 20034 cases involving Rs.538.58 crore as at March, 2016.

During the period ended March 2017 (01.04.16-31.03.2017), banks have filed 5764 Recovery Certificate Cases amounting to Rs.367.22 Crore. As many as 7796 cases amounting to Rs.231.74 Crore have been disposed of during the year ended March 2017 (01.04.16-31.03.2017).

1380 Cases involving an amount of Rs.51.99 crore are pending for more than three years.

SLBC Secretariat has requested the Controlling Heads of SLBC member banks to provide districtwise details of recovery certificate cases which are lying pending but majority of the banks have not submitted the details of pending cases. SLBC Secretariat has also requested Deputy Commissioners of all the District to provide bankwise progress report of disposal of cases filed by banks under HACOMP Act on the prescribed format. Some of the Deputy Commissioners are providing information but not as per the prescribed format which can be reviewed in SLBC meetings.Revenue Department authorities are requested to impart necessary instructions to all DCs/ADCs to ensure submission of the bankwise progress report to SLBC Haryana Secretariat on the prescribed format for review in the SLBC Meetings. Controlling heads of banks are once again requested to advise their field staff/DCOs to keep close liaison with LDM/Revenue Authorities for disposal of the pending cases filed by their bank and also provide Districtwise details of pending cases for taking up the matter with Revenue Department, Haryana accordingly.All LDMs are also requested to review the pendency in the DCC/DLRC meetings and make efforts to get the pendency cleared/minimized at the earliest.

The House may discus

ITEM NO. 28.2 RECOVERY UNDER PRIORITY SECTOR ADVANCES


The Sector-wise recovery position is as under:-

Sector March, 15(%age Ach)

March, 16(%age Ach)

Variation March, 17(%age Ach)

Variation (PPs)

Agriculture

49% 83% 34pps 81% -2%

MSME 73% 72% -1pps 78% 6%OPS 72% 73% 1pps 78% 5%Overall 70% 77% 7pps 79% 2%

Bank-wise recovery position as at 31.03.2017 is given in Annexure No.40 (P-226). The data reveals that the overall recovery position has increased by 2 PPs i.e. from 77% as at March, 2016 to 79% as at March, 17. Under Agriculture sector, recovery has decreased by 2PPs, under MSME recovery has increased by 6pps & under OPS recovery has also improved by 5PPs during the period under review.It has been observed that all banks have not submitted recovery position of their bank. Controlling heads of all banks are requested to ensure submission of the same during the next quarter so as the recovery position of the State is improved further.The house may deliberate.ITEM NO. 28.3 RECOVERY UNDER GOVT. SPONSORED

SCHEMES

Bank-wise Recovery position under various Govt. Sponsored Programmes up to March., 2017 is given on Annexure No. 41.1-41.4 (P 227-230). Gist of overall recovery position is as under:-

(%age Recovery)Period PMRY/

PMEGPSJSRY/NULM

SGSY/NRLM

SHGUnde

r SGSY

Other than SGSY


March, 15

53%(44% under

PMEGP)

SJSRY 24%NULM75%

SGSY:34% 53% 68%

March, 16

52% (38% under

PMEGP)

SJSRY 30% NULM 55%

SGSY:47%NRLM:48%

62% 74%

March, 17

15%(56% under

PMEGP)

SJSRY 15%NULM44%

SGSY:52%NRLM:53%

61% 65%

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

AGENDA ITEM NO. 29

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

SLBC Secretariat has requested Deputy Commissioners of all the Districts to provide bankwise progress report of disposal of cases filed by banks under SARFAESI Act, 2002 on the prescribed format. Some of the Deputy Commissioners are providing information but not as per the prescribed format which can be reviewed in SLBC meetings.Revenue Department authorities are requested to impart necessary instructions to all DCs/ADCs to ensure submission of the bankwise progress report to SLBC Haryana Secretariat on the prescribed format for review in the SLBC Meetings. SLBC Secretariat has also requested the Controlling Heads of SLBC member banks to provide districtwise details of cases filed by their bank before Chief Metropolitan Magistrate (CMM)/District Magistrate (DM) under Section 14 of the SARFAESI Act, 2002 which are lying pending but majority of the banks have not submitted the details of pending cases. Agenda & Background Papers of 140th Meeting of SLBC Haryana Page 100

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


AGENDA ITEM NO. 30

HOUSING FINANCE

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

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

Absolute %ageMARCH, 2015

154360 11759 747 7%

MARCH, 2016

151368 13978 2219 19%

MARCH ,2017

157988 23483 9505 68%

Bankwise position as at March 2017 is given in Annexure No. 42.1-42.3 (P 231-233).

HIGHLIGHTS: Agenda & Background Papers of 140th Meeting of SLBC Haryana Page 101

The outstanding advances under Direct Housing Finance Scheme have increased by Rs.9505 Crore from Rs.13978 Crore as at March 2016 to Rs.23483 Crore as at March 2017, thus registering a growth of 68%. Reason for abrupt increase is due to change of reporting pattern by ICICI Bank.

Banks have disbursed Rs.6220 crore in 30121 accounts during the year ended March 2017.


AGENDA ITEM NO. 31

ADVANCES TO INDUSTRIAL SECTOR


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

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

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


(i) 20 per cent year-on-year growth in credit to micro and small enterprises, (ii) 10 per cent annual growth in the number of micro enterprise accounts and (ii) 60% of total lending to MSE sector as on preceding March 31st to Micro enterprises It is further advised that banks should open more SME focused branch offices at different MSE clusters which can also act as Counseling Centers for MSEs. Each Lead Bank of a district may adopt at least one MSE cluster.The comparative position of credit outstanding to MSME is as follows:-

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

A/cs Amt. A/cs Amt.Micro Enterprises 390502

(36%)17184(13%)

437041 (12%)

18441(7%)

Small Enterprises 122217(21%)

20361(-

1.94%)

138486 (13%)

20721 (2%)

Micro & Small Enterprises (MSEs)

512719 37545(4%)

575527 39161 (4.30%)

Share of ME Advs. out of MSEs

76% 46% (76%) (47%)

Medium Enterprises (MEs)

68462 10648 18927 10692

MSMEs 581181 48193 594454 49854Bank-wise performance is as per Annexure No. 43.1-43.2 (P 234-235) Observations:

In the State of Haryana, banks as at March 2017 have provided credit to 437041 Micro Enterprises as against 390502 units as at March 2016 thus registering annual growth of 12% against the target of 10%.

The share of micro enterprise advances to total MSE advances as at March 2017 is 47% against stipulated level of 60%.


YoY growth in credit to MSEs as at March 2017 is 4.3% against the target of 20%.

The House may review.AGENDA ITEM NO. 31.2

NPA UNDER MSME ADVANCES

The position of NPA under MSME Advances as at 31st March 2017 is as under:-

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

Loan A/cs outstanding as at

31.03.2017

Amount of MSME Loans

outstanding as at

31.03.2017

Out of Col. 2, amt. of NPA as

at 31.03.17

%age of NPA under

MSME Loans as at

31.03.17

Out of Col. 2, MSME loans

granted collateral

free

Out of Col. 5, amt. of NPA as

at 31.03.17

%age of NPA under MSME

Loans granted

collateral free as

at 31.03.171 2 3 4 5 6 7

594454 49854 3549 7.1% 15439 1349 8.7%Bank-wise detail is given as per Annexure No. 43 .3 (P-236).AGENDA ITEM NO. 31.2 (i)

BIFURCATION OF NPA UNDER MSME ADVANCES

The bifurcation of NPA under MSME Advances as at 31st March 2017 is as under:-

(Amt. Rs. in Crore)Micro Enterprises Small

EnterprisesMedium

EnterprisesTotal NPA

under MSME Advances

42167 1087 9953 1284 2109 1178 54229 3549Bank-wise detail is given as per Annexure No.43 .4 (P-237).


MSME CLUSTERS IN THE STATE OF HARYANA

The progress of MSME clusters as at March, 2017 is given below:-FLOW OF INSTITUTIONAL CREDIT TO IDENTIFIED MSME CLUSTERS– SYSTEM

(Amt. Rs. in Crore)District Cluster Annual Ach. During the Ach. During the % age Agenda & Background Papers of 140th Meeting of SLBC Haryana Page 104

Target Q.E. March, 17(1.01.17 to 31.03.17)

year ended March,17(01.04.16-31.03.17)

Ach.

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

Milling150.00 41 115.71 123 315.80 211%

Agri Imp. 0.50 5 0.25 50%Gurgaon Auto

Components

Targets to be allocate by

LDMO

No Progress Submitted by LDMO Gurgaon

%

YamunaNagar

Plywood Industries

10 3.35 106 51.42 -

Faridabad Auto Components

201.75 37.50 220.68 109%

Light Engg.

266.25 52.80 275.43 103%

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

AGENDA ITEM NO.31.4

CREDIT LINKAGE OF UNIDENTIFIED/UNRECOGNIZED MSMES CLUSTERS

Reserve Bank of India, Chandigarh vide letter dated 15.7.2016 had advised SLBC to initiate Steps for credit linkage of Unidentified/Unrecognized MSMEs clusters in District Gurgaon, Hisar, Panchkula and Panipat in order to facilitate availability of banking


outlets and credit flow in such clusters. Accordingly, LDMs of these districts were advised to initiate necessary steps for credit linkage of the units operating in these districts.As per the data for the period ended March, 2017 received from LDMs, it has been observed that 751 Micro and 12 Small units are yet to be credit linked. LDMs of these districts are requested to ensure that issues coming in the way of credit linkage of these units in the unidentified MSME clusters are resolved at the earliest and steps for their credit linkage may please be taken up expeditiously.Districtwise Progress made with regard to Credit Linkage of Unidentified/Unrecognized MSME Clusters is given on Annexure No.43.5 (P-238)



CREATION OF SEPARATE WEBSITE FOR MICRO ENTERPRISES

During the deliberations of the Empowered Committee meeting held on 15.09.2015 at Reserve Bank of India, Chandigarh SLBC has taken up the matter for creation of separate web-site for Micro Enterprises in Regional Language enabling each entrepreneur for update knowledge of latest changes/guidelines.

In the meeting of Empowered Committee (EC) of MSMEs for the State of Haryana, Punjab & Chandigarh on 03.10.2016, the Chairman of the meeting has advised their Financial Inclusion Development Department (FIDD) to take up the matter with Department of Industries & Commerce, Haryana.

Representative of Reserve Bank of India is requested to apprise the house in this regard.


SPECIALIZED MSE/MSME BRANCHES


109 Specialized SSI/MSME Branches in Haryana have sanctioned Rs.2210 Crore in 4765 cases during the period ended March 2017 and disbursement has been made in 4589 cases amounting to Rs.2021 Crore. Outstanding advances of specialized MSE/MSME branches as at March 2017 were Rs. 8892 Crore to 27183 units. Bank wise position is given on Annexure No.43.6 (P-239)The House may review.AGENDA ITEM NO. 31.7

COLLATERAL FREE LOANS UPTO Rs.10 LAKH TO MSE SECTOR

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

(Amount Rs. in Lakh)Period New MSEs loans

upto Rs. 10 lakhOut of which collateral

free loansNo. of units

Amount

No. of units

Amount

March 2016 (01.04.15 -31.03.16)

153215 240017 136495(89%)

169402(71%)

March 2017 (01.04.16 -31.03.17)

125019 317721 120119 (96%)

288588 (91%)

Bank wise information is as per Annexure No. 43.7 (P-240) From the above data it has been observed that banks have disbursed loans up to Rs.10 lakh to 125019 MSE units during the period ended March 2017 against 153215 units during the corresponding period last year. Similarly, the collateral free loans have been provided to 120119 units (96% of the total units) amounting to Rs.288588 lac (91% of the total amount financed) during the period ended March 2017.

The following banks have not granted 100% collateral free loans to MSEs (Upto Rs.10 lacs):-Public Sector Banks


Andhra Bank (59%) Bank of Baroda (84%) Bank of India (91%) Bank of Maharashtra (97%), Canara Bank (90%), Dena Bank (17%), OBC (50%), P&SB (96%), Syndicate Bank (91%), Union Bank of India (80%) and United Bank of India (27%). Private Sector BankAxis Bank (0%), J&K Bank (56%) and Karnataka Bank (7%).In terms of extant guidelines of RBI, loans upto Rs.10 Lac to MSE units have mandatorily to be provided collateral free. This aspect is being repeated in each SLBC meeting. Controlling heads of banks are requested to ensure that 100% collateral free loans upto Rs.10.00 lakh are granted by all branches of their bank. The house may discuss.AGENDA ITEM NO. 31.8

CREDIT GUARANTEE SCHEME OF CGTMSE

The Credit facility upto Rs. 200 Lakh sanctioned to MSEs (both Manufacturing & Service Sector) are eligible to be covered under CGTMSE. During the SLBC meetings, all Banks are requested to avail the benefit of the Scheme and to get all eligible units covered under the Scheme. Progress under the scheme up to March, 2017 is given below:-

(Amount ` in Lakh)Coverage

2015-2016

Coverage 2016-17

Variation in no. of cases

March 2017/2016

%age YOY growth

Cumulative position as at March,

2017

A/cs Amt.

A/cs Amt. A/cs Amt. A/cs Amt. A/cs Amt.

7718 37245

6929 42224 -789 4979 -10% 13% 37078

265213

Bank-wise/District-wise position is given in Annexure No.43.8 (P-241)The data reveals that 6929 cases have been covered during the year ended March, 2017 as against 7718 cases covered under the scheme


during the corresponding period of last year showing a negative growth of 10% in no. of accounts & growth of 13% in the amount involved. Total number of applications approved since inception are 37078 amounting to Rs.2652.13 crore.The house may review.


ISSUES PERTAINING TO MSME SECTOR

Reserve Bank of India, Regional Office, Chandigarh has advised the following action points for banks with regard to various issues pertaining to MSME Sector:-

1. Banks to proactively provide the facilities such as Standby Credit Facility, separate additional working capital limits, mid-term review of limits, etc., as envisaged in the RBI circular dated August 27, 2015 on 'Streamlining flow of credit during their life cycle in order to provide timely and adequate credit to MSEs'. Banks may put in place Board approved policy, if not done so, to enable their branches / offices for providing the above facilities to MSEs.

2. Banks and Industry Associations to spread awareness amongst their field level functionaries / members about the facilities available on the 'Udyamimitra.in' portaland advantages thereof.

3. Further, as per available data, there were 15494, 7584 & 281 sick units in Punjab, Haryana & UT Chandigarh respectively, of which, only 113 units in Punjab, 34 units in Haryana and 2 units in UT Chandigarh were found viable by the banks and viability study in respect of 272 units in Punjab, 141 units in Haryana and 45 units in UT Chandigarh was yet to be undertaken.

4. It has been observed that some banks have not yet constituted the committees as advised under the framework for revival and rehabilitation of MSMEs and even if the Committees are constituted, no meetings have taken place/ no cases are resolved so far.

5. Banks need to share NPA details with Industry Associations, who in turn have been advised to interact with the concerned entrepreneur as required. Industry Associations alsoneed to be advised to create awareness for submitting applications for revival and rehabilitation, as


envisaged in the RBI circular dated March 17, 2016 on 'Framework for revival and rehabilitation ofMSMEs' and guide their members to seek intervention of MSME facilitation councils for resolution of delayed payments.

6.Banks to advise their Regional offices to put in place a mechanism to ensure due diligence while sanctioning loans under PMMY and also ensure end use of the funds.

Details of the findings of the study conducted by RBI are given below:-

FINDINGS OF THE STUDY ON LOANS SANCTIONED UNDER PRADHAN MANTRI MUDRA YOJANA (PMMY) CONDUCTED BY RBI (ALL INDIA IN SELECT STATES)

i. Branches were lagging behind in conducting periodical visits to the units financed under PMMY.

ii. Invoices/Bills were not obtained in 57% of cases, by the branches. In such cases, the possibility of diversion/mis-utilisation of funds cannot be ruled out.

iii. Clear instances of gross mis-utilisation/diversion of funds were observed in 3% of the samples taken for the study.

iv. Collateral Security/Third Party Guarantee was obtained in 12 % of the samples indicating violation of the RBI guidelines on collateral free loans up to Rs.10 lakh extended to MSE sector.

v. Credit guarantee Cover (CGS) under the scheme of CGTMSE or such other schemes was obtained in 29% of sample cases which indicated that CGS cover was not availed in larger proportion of PMMY samples studied.

vi. Out of 383 cases of stress and 271 cases of NPA,restructuring/rehabilitation was considered on 34 cases only. This indicated that the concerned branches were not sensitive to resort to timely restructuring /rehabilitation process in regard to stresses/NPA loans given under PMMY.

vii. Out of the 1112 samples studied, where stock statements were required to be obtained by the branch as per the terms of loan agreements, stock statements were no 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.

2. Major discrepancies in credit appraisal system of the banks:

i. 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 was not signed by the sanctioning authority, the amount of loan sanctioned was not mentioned in the appraisal note, etc.

ii. 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 purchased, etc. was not found on record. In certain cases, term loans were sanctioned to Kirana shops and no fixed assets were created.

iii. Pre-sanction visit reports were not found on record at certain branches.

iv. Instances of unrealistic repayment schedule have been reported.v. Some of the personal loans were classified as PMMY loans.

Representative from Reserve Bank of India is requested to apprise the house in this regard.

Controlling heads of banks are requested to advise their field functionaries to comply the instructions for sanction of loans to MSME Sector and under Pradhan Mantri Mudra Yojana (PMMY) so that the above mentioned discrepancies could be avoided.


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

All the member banks are requested to advise their branches to open bank accounts of students & beneficiaries of minority communities


which would help in ensuring accrual of benefits & delivery of financial support to these minority communities.

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

(Amt. Rs. In lacs)Community

Outstanding as on March 2015



A/cs Amt. A/cs Amt. A/cs Amt.Muslim 304471 203193

(2.4%)345867 227940

(12%)372436 323252

(42%)Sikh 389274 557214

(10%)443940 725106

(30%)465104 766004

(5%)Christian 2429 10375

(5.5%)3048 13069

(26%)4025 20146

(54%)Buddhist 126 885

(11%)133 1122

(27%)293 3893

(247%)Jain 1761 15111

(149%)2980 24104

(60%)3421 22568

(-6%)Zorastrian 31 129

(-0.77%)34 92

(-29%)44 394

(328%)Total (Incl. Coop. bks)

698092 786907(9%)

796002 991433(26%)

845323 1106806(12%)

Bank-wise data on loans disbursed and outstanding as at March 2017 is given on Annexure No.44.1-44.3 (P 242-244).It is observed that the total outstanding to Minority Communities in the State is Rs.11068.06 Crore to 845323 beneficiaries as at March 2017. An amount of Rs.3271.05 crore has been disbursed to 139783 persons during the period ended March 2017 (2016-17).

YOY growth is 12% and %age of amount advanced to minority communities to total priority sector advances is 9% which needs strenuous efforts by banks for considerable improvement.Member Banks are requested to advise the branches in the State to extend more credit to minority community for their economic


development as Govt. of India wants that at least 15% of the Priority Sector Advances should go to Minority Communities. The house may review.


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

The RBI has identified 121 districts with concentration of Minority Communities, out of which, two districts of Haryana i.e. Mewat and Sirsa have been identified for this purpose.

As advised by the ACS, SJE, Haryana, Data on financing to Minority Communities in the minority concentrated districts of Haryana i.e. District Mewat, Sirsa, Fatehabad, Yamuna Nagar, Kaithal and Palwal has been compiled by SLBC Secretariat and has been given on Annexure No. 45.1-45.2 (P 245-246). From the progress received from the LDMs of these districts it has been observed that:-

Amt. Rs. In LakhDistrict Total

Disb. Under Priority Sector

Disb. To Minority Communities

% age of Credit Disb. To Minority Communities

Total Outstanding Under Priority Sector

Outstanding To Minority Communities

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

Mewat 58025 39235 68% 125290 85104 68%Sirsa 573948 189663 33% 632912 235890 37%Fatehabad

377057 32907 9% 437081 40300 9%

YamunaNagar

745269 14377 2% 500368 54351 11%

Kaithal 473039 72333 15% 550278 89739 16%Palwal 153839 25654 17% 266880 60146 23%


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

AGENDA ITEM NO. 33

FINANCIAL ASSISTANCE TO WOMEN BENEFICIARIES

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

Amt. Rs. in Crore)Year Balance O/s Increase Total

AdvancesAbsolute %ageMarch 2015

9157 1968 27% 179142

March 2016

15712 6555 72% 192145

March 2017

18457 2745 17% 197107

Advances to Women Beneficiaries witnessed an increase of Rs.2745 Crore from Rs.15712 Crore as at March 2016 to Rs.18457 Crore as at March 2017, thus registering a growth of 17%. During the year ended March 2017, banks have disbursed advances to the tune of Rs.6646 Crore to 200364 women beneficiaries.Bank-wise data depicting the performance during the year ended March 2017 is given in Annexure No. 46 (P-247).The house may review.


AGENDA ITEM NO. 34

BANKING PLANS FOR AREA BASED SCHEMES FOR INVESTMENT IN AGRICULTURE

Activitywise/Schemewise progress under banking plan for identified activities i.e. Dairy, Under Ground Pipe Line (UGPL), Laser Land Leveler, and Sprinkler Irrigation for the financial year 2016-17 as at 31.03.2017 is given below:-Diary

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

No. of Animals

Bank Loan

No. of Animals

Bank Loan

No. of Animals

Bank Loan

No. of Animals

Bank Loan

89558 48361 11812 9910 10842 8315 13% 20%

Under Ground Pipe LineAmt. Rs. In lacs

Target Sanctioned Disbursed % age Ach.No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

7174 6811 1177 5112 1175 4808 16% 75%Laser Land Leveler

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

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

1905 6002 262 574 259 516 14% 10%Sprinkler Sets

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

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

5557 1000 228 413 227 401 4% 41%Bankwise Progress is as per Annexure No.47.1-47.4 (P 248-251).The House may review.

AGENDA PROVIDING OF RUPAY DEBIT CUM ATM CARD TO


ITEM NO. 35

KISAN CREDIT CARDS HOLDERS

Govt. of India had advised the banks to ensure issuance of RuPay ATM cum debit cards to 95% of the total eligible KCC holders by 31st Dec., 2016.

It has been observed from the progress reports received from banks that out of 2059036 eligible KCC holders banks have issued only 689873 Rupay ATM cum debit cards upto March 2017 i.e.34%. It has been observed that HARCO Bank has maximum KCC holders i.e. 1233326 but they have issued only 100 Rupay Debit cum ATM Cards. Member banks are requested to issue Rupay Cards to remaining eligible KCC holders expeditiously.

To discuss and resolve the matter of issuance of Kisan Rupay Cards by HARCO Bank, a special meeting was convened on 05.04.2017 under the Chairmanship of ACS Finance & Planning, Govt. Of Haryana. Convener SLBC, Haryana, Managing Director, HARCO Bank, Financial Advisor, IF&CC, Haryana and Chief Manager SLBC Haryana also participated in the meeting.

During the deliberations Managing Director, HARCO Bank apprised that Core Banking Solution (CBS) has already been implemented in HARCO Bank & all DCCBs. He also informed that Hon’ble Chief Minister Haryana launched RuPay ATM Debit Card and IMPS services at Branch level on 16th November, 2016 for HARCO Bank customers. HARCO bank has already distributed 6400 Rupay Debit Cards to its customers. DCCBs have placed the order of 45000 personalized Rupay Debit Cards to card vendor so far and also fixed target to distribute 1.5 lakh Rupay Debit Cards by 15.04.2017 to their customers which are primarily the Agriculturists and Rural masses. The aforesaid cards will mostly be given to the farmers. The Managing Director, HARCO Bank further informed that presently out of total 13.16 lakh KCCs, 6.14 lakh KCCs are regular and out of which 5.37 lakh KCCs holders are eligible for Kisan Rupay ATM Cum Debit Card. He assured that all eligible cards will be issued by 30th April, 2017.Representative of HARCO Bank may apprise the house further in this regard. Agenda & Background Papers of 140th Meeting of SLBC Haryana Page 116

Bank wise position of issuance of Kisan Rupay Cards is given on Annexure No.48 (P-252).The house may review.

AGENDA ITEM NO. 36

PROGRESS UNDER UPLOADING OF EQUITABLE MORTGAGES ON THE PORTAL OF CERSAI

Presently banks are uploading the position of Equitable Mortgage on the site of Central Registry of Securitization Asset Reconstruction and Security Interest of India (CERSAI). Bank wise progress as at March 2017 is given on Annexure No.49 (P-253).The representative from CERSAI is requested to apprise the members about the latest developments/information with regard to uploading of equitable mortgages by the bank branches.

The house may review.


HANDLOOM WEAVER MUDRA PORTAL

It has been informed by NABARD, Haryana, Regional Office Chandigarh vide their e-mail dated 20th April, 2017 that the Office of Development Commissioner for Handlooms, Ministry of Textiles , GOI, Udyog Bhawan, New Delhi vide their Office Memorandum dated 30th March, 2017 have informed as under:--Guidelines regarding amendment in the scheme of Financial Assistance under Concessional Credit Component for Handloom Sector were issued by Ministry of Textile vide their Office memorandum (OM) No.6/2/99/DCH/16-17/DHDS/NIMRC dated 27th June, 2016 which states that “Concessional Credit Component for handloom Sector will now be available only through MUDRA Yojana for individual weaver entrepreneurs. The applications pending under WCC Scheme will be sanctioned upto 31.08.2016.”


-It was clarified vide letter no. 6/2/99/DCH/16-17/DHDS/NIMRC (Part) dated 27th July, 2016 that “the commitments towards the margin money, interest subsidy and credit guarantee fee for already sanctioned WCC cases and the cases likely to be sanctioned within the notified time frame i.e. august, 2016 will be honoured by this office and funds will be provided through NABARD.”-Vide OM No.9/1/2015/DCH/DHDS/MUDRA Scheme dated 14th March, 2017 it was intimated that “Handloom Weaver MUDRA Portal has been developed and will become operational for all participating banks by 01.04.2017. Participating banks will claim the financial assistance in terms of margin money, interest subvention and credit guarantee fee through this portal w.e.f. 01.04.2017.The above communications have been forwarded to all SLBC member banks for information and necessary compliance of the guidelines issued by Ministry of Textiles, GOI ,New Delhi.Keeping in view the above guidelines, the following procedure to be adopted for availing financial assistance under Concessional Credit Component for Handloom Sector:-

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

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

Further, it has also been reiterated that the Weaver MUDRA Scheme is available only for handloom weavers. Banks should ensure that weavers’ identity card issued by the Office of Development Commissioner for Handlooms or State Government is invariably enclosed with the loan application. In case the handloom weaver does not possess weavers’ identity card, the same may be issued by the State Government subject to proper verification.Controlling heads of banks/Department of Industries and Commerce, Haryana are requested to advise their field functionaries to ensure compliance of the above guidelines.

AGENDA ITEM PROGESS UNDER WEAVER CREDIT CARD SCHEME


NO. 37.2Target under Weaver Credit Card Scheme are yet to be allocated. Progress under the scheme in 5 districts upto the period ended March, 17 2016 (2016-17) is as under:-

S.No.

Name of the District

Target Cases Sponsd

.

Cases Sanctnd

.

Cases Disb.

Cases Rej./Retd

.

Cases Pending

for sanction

Cases pending for Disb.

1 Panipat Yet to be

Allocated

119 70 70 43 6 -2 Yamunanag

ar82 23 - - 59 23

3 Bhiwani - - - - - -4 Ambala 50 7 - 43 - 75 Fatehabad 10 6 - 4 - 6

Total 261 106 70 90 65 36Bankwise/Districtwise progress is given on Annexure No.50 (P-254)The House may discuss.

AGENDA ITEM NO. 38

RECOMMENDATIONS OF THE REPORTS OF THE COMMITTEE FOR STRENGHTENING THE NEGOTIABLE WAREHOUSE RECEIPTS (NWRs) BY WDRA IN THE COUNTRY-DATA REPORTING BY BANKS TO SLBCs

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


(AMT. RS. IN LACS)Institution Disbursement during

the period ended March 2017 (01.04.16-

31.03.17)

Outstanding as at March 2017

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

Amt.

Public Sector Banks

305 111082 224 60831

Pvt. Sector Banks 12 823 3 247RRBs - - - -Coop.Banks - - - -Total 317 111905 227 61078

LDMs are also requested to monitor the progress in DCC/DLRC meetings of their respective districts.Bankwise/Districtwise progress is given on Annexure No. 51.1-51.2(P 255-256).The house may review.AGENDA ITEM NO. 39

CHARGING UNIFORM FEES BY BANKS FOR LEGAL OPINION

During the deliberations held in the Meeting of Empowered Committee (EC) on RRBs which was convened by RBI Chandigarh on 23.06.2016 SLBC Haryana was requested to take up the matter with SLBC member banks to consider uniformity in fees charged by them for obtaining legal opinion and mortgage in agriculture loans along the lines of State of Punjab where a fee of Rs.1100/- (Rs.One thousand one hundred only) has been fixed for this purpose.The issue was discussed in the 137th meeting of SLBC Haryana held on 12.08.2016 and it was decided by the house to take up the matter with the Office of Chief Secretary Haryana with a request for taking up the issue with Bar Council of Haryana for charging nominal fees from the farmers for obtaining legal opinion for non-encumbrance and creation of mortgage in agriculture loans.During the deliberations on the issue in the 139th meeting of SLBC Haryana held on 15.02.2017, the Financial Advisor, IF&CC, Haryana informed the house that the matter relates to Agriculture Department, Agenda & Background Papers of 140th Meeting of SLBC Haryana Page 120

Govt. of Haryana and they have (IF&CC, Haryana) already taken up the matter with Agriculture Department.

Sh. Jagraj Dandi, Joint Director, Agriculture & Farmers Welfare Department, Haryana present in the above meeting, assured the house for taking favorable consideration in the matter.

Convener SLBC vide its letters dated 20th March, 2017 and 7th April, 2017 has taken up the matter with the office of Principal Secretary, Agriculture, Haryana but no response has been received so far in this regard.

The representative of Agriculture Department, Haryana may apprise the house.

AGENDA ITEM NO. 40

APPOINTMENT OF INDEPENDENT DISTRICT COORDINATORS (DCOs) BY BANKS

SLBC Secretariat has been regularly requesting the Controlling heads of banks to appoint independent District Coordinators in all districts of the State. But till date only the following banks have provided the list of their District Coordinators to SLBC Secretariat:-

1. Allahabad Bank 2. Bank of Baroda 3. Bank of Maharashtra 4.Canara Bank 5.Central Bank of India 6. Corporation Bank 7. Harco Bank 8. Indian Bank 9. Indian Overseas Bank 10. Oriental Bank of Commerce 11. Punjab & Sind Bank 12. State Bank of India 13. State Bank of Patiala 14.Sarva Haryana Gramin Bank 15. Syndicate Bank and 16. Union Bank of India.

On the basis of feedback report received from the LDMs, it has been observed that most of the banks have designated their Branch Managers as District Coordinating Officer (DCO) due to which LDMs face problems in obtaining various types of feedback reports from them for BLBC/DCC/DLRC/SLBC meetings etc.

Controlling remaining banks are requested to ensure that details of DCOs are submitted to SLBC Secretariat immediately as DCO is an important link between a bank and the Lead District Manager.


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


AGENDA ITEM NO. 41

ANY OTHER ISSUE WITH THE PERMISSION OF THE CHAIR

---------0---------

ITEMS FOR INFORMATION ONLY

AGENDA ITEM NO. 42

FARMERS’ CLUBS FORMED BY BANKS

Banks have formed Farmers 2644 Clubs up to March 2017 and its institution wise break up is given below:-


Institution No of clubsCommercial banks 515SHGB 1225Central Cooperative banks 716PCARDBs 188Total 2644

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

AGENDA ITEM NO.

43

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

NHFDC functions as an apex institute for promoting economic development activities and self employment venture for the benefit of Persons with Disabilities (PWDs). The fund is channelized through State Channelizing Agencies (SCA) nominated by the respective state/ UT Government(s). NHFDC also provides grants for skill training of disabled persons. The detailed information on schemes and programmes of NHFDC is available on website www.nhfdc.nic.in.With a view to make this segment of population economically independent in the state of Haryana, NHFDC has tied up with Sarva Haryana Gramin Bank and Haryana Gramin Bank for flow of collateral free concessional credit (interest rate of 4-8%p.a) to PWDs for self employment under credit guarantee scheme of Government of India. The bank will also extend education loan to eligible students with disabilities for higher education in India and abroad at an interest rate of 3.5-4% p.a only. The entire loan extended to PWDs for above purpose shall be refinanced by NHFDC to the concerned bank. Also the


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

partner Banks will be able to earn 3% interest margin on above loans extended to PWDs.Any Bank interested to sign agreement with NHFDC for flow of concessional credit to PWDs may contact the office of Ministry of Social Justice and empowerment. Govt. of India, Shastri Bhawan, New Delhi. From the data, it is observed that banks have disbursed Rs. 1905 Lac to 779 borrowers during the year ended March 2017.

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

2017Sanctioned Disbursed

A/c Amt. A/c Amt.779 1961 779 1905

Bank wise information on flow of credit to disabled persons is given on Annexure No. 52 (P-257).

AGENDA ITEM NO. 44

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

The matter for allocation of targets under Swarozgar Credit Card Scheme for the financial year 2016-17 was taken up with NABARD, Regional Office, Chandigarh. It has been informed by NABARD Regional Office, Haryana that the scheme is under review and the targets shall be intimated at a later stage.The progress achieved in implementing Swarozgar Credit Card Scheme up to the period ended March 2017 reveals that 6723 Swarozgar Credit Cards have been issued. Member Banks are requested to issue necessary instructions to their branches to improve the progress under the scheme so that targets allocated by NABARD could be achieved. However, target allocated during the previous year i.e. 25000 has been placed in the annexure. NABARD, Regional Office, Haryana is requested to convey the targets for the FY 2016-17 to SLBC Haryana Secretariat for onward communication to the member banks.Bankwise Achievement vis-à-vis target during the quarter ended March 2017 (2016-17) has been given in Annexure No. 53 (P-258). Agenda & Background Papers of 140th Meeting of SLBC Haryana Page 124

AGENDA ITEM NO. 45

PERFORMANCE IN IMPLEMENTATION OF NAYAK COMMITTEE NORMS

During the current financial year upto 31.03.2017, Banks have sanctioned working capital limits to 15886 small manufacturing units amounting to Rs.2365 Crore out of which 14376 small manufacturing units with working capital limits amounting to Rs.2113 Crore were sanctioned as per Nayak Committee Norms. Thus, banks have sanctioned 90% cases as per Nayak Committee Norms during the period under review. Bank-wise data is given in Annexure No. 54 (P-259)

AGENDA ITEM NO.

46

GOLDEN JUBILEE RURAL HOUSING FINANCE SCHEME OF NATIONAL HOUSING BANK

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

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

total no.March 2015 1513 67 247 16.3%

March 2016 2581 95 432 16.7%

March 2017 2546 193 294 11.6%During the period ended March 2017 banks have disbursed loans amounting to Rs.193 Crore to 2546 beneficiaries as compared to Rs.95 Crore disbursed to 2581 beneficiaries during same period of last year. Out of 2546 beneficiaries, the share of SC/ ST is 12%.

Controlling heads of banks are requested to further increase the credit disbursement under this sector as loans are fully secured and percentage of Recovery is also satisfactory. As per the guidelines, banks should include all the housing loans made in rural areas under this scheme irrespective of the amount of loan advanced.The data provided by Banks is given in Annexure No.55 (P-260). AGENDA ITEM NO. 47

GENERAL PURPOSE CREDIT CARD SCHEME (GCC)


Banks have issued 191547 cards amounting to Rs.358501 Lacs upto 31.03.2017 since inception of the scheme. Since there is great thrust of Department of Financial Services, MOF, GOI and RBI on total Financial Inclusion, banks are requested to issue maximum number of GCCs to the people in the Rural Area having no land to start their income generating activity. Bankwise progress is given in Annexure No. 56 (P-261)AGENDA ITEM NO. 48.1

GOVERNMENT SPONSORED SCHEMES BEING IMPLEMENTED THROUGH NABARD

NABARD has been implementing various Centrally Sponsored Subsidy Schemes for passing on Subsidy to the beneficiaries financed by the participating banks.The details of the capital subsidy sanctioned under different Govt. Sponsored Schemes during the quarter ended March 2017 (2016-17) in the State of Haryana are as under:- Name of Scheme No. of

ProposalsAmount Sanctioned

During the FY 2016-17 (Rs. lakh)

Amount Disb.During the FY 2016-17

( Rs. lakh)Advance SubsidyCISS - Rural Godowns 10 653.418 1936.121CISS-ISAM 13 422.965 567.618Subtotal : 23 1076.383 2503.739Final/OT SubsidyCISS - Rural Godowns 38 1984.042 1544.431CISS-ISAM 5 280.728 0CISS - Cold Storage 0 0 0CLCSS 0 0 0ACABC 4 18.000 6.238DEDS 293 149.304 149.304CSS - AH Scheme 0 0 0PVCF (Subsidy) 5 58.130 0 JNNSM# 108 25.812 56.354Solar Pump Set Scheme

4 8.100 58.100NPOF 1 33.000 0Sub Total 458 2557.116 1814.427Grand Total 481 3633.499 4318.166This is for the information of House.AGENDA ITEM NO.

Financing of Rural Godowns


48.2Upto the quarter ended March 2017, banks in the State of Haryana have financed 496 Rural Godowns amounting to Rs.651.67 crore, of which 238 Godowns amounting to Rs.186.53 crore have been sponsored by NABARD and remaining 258 involving Rs.465.14 crore have been directly financed by banks.Bankwise progress is given on Annexure No. 57 (P-262)

AGENDA ITEM NO. 49

Sanction of loans by banks to trained candidates under the Central Sector Scheme “ Establishment of Agri-clinic & Agri- Business Centres”(ACABC)

Upto the period ended March 2017, banks have financed 47 Agri-Clinics and Agri- Business Centres amounting to Rs.296 lakh. Bank wise progress is given on Annexure No.58 (P-263)The Controlling Heads of the banks are requested to advise their branches in the state to clear the pendency to facilitate the trained candidates to establish Agri-Ventures by availing bank loan. LDMs are also requested to review the progress of financing under ACABC to trained students in DLRC meetings.

AGENDA ITEM NO. 50

ARTISANS CREDIT CARD SCHEME (ACCs)

During the FY 2016-17 and Upto the ended March 2017, banks have issued 2877 cards amounting to Rs.672 lac. The cumulative progress under ACC scheme since its inception is 8165 cards amounting to Rs.4189 Lakh of which 191 cards are covered under CGTMSE with an amount of Rs.189 lac. Major participating banks in the scheme are PNB (2594), HARCO Bank (2100), SBOP (1334), SBI (647), SBBJ (327) Syndicate Bank (405), Bank of India (183), Bank of Baroda (134) and UCO Bank (92).Bank-wise position is given at Annexure No. 59 (P-264)

AGENDA PROGRESS OF CASES FILED UNDER LOK ADALATS Agenda & Background Papers of 140th Meeting of SLBC Haryana Page 127

ITEM NO. 51It is observed that upto the period ended March 2017, 30793 cases involving Rs.45326 Lac were filed before the Lok Adalats out of which 3529 cases amounting to Rs.4304 Lac were settled.Bank wise data is given on Annexure No.60 (P-265).

AGENDA ITEM NO.

52

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

Bank-wise and district-wise data is given on Annexure No.61.1-61.2 (P 266-267).

AGENDA ITEM NO. 53

POSITION OF ATMs INSTALLED BY BANKS IN THE STATE OF HARYANA

Area Category

ATMs as at March,

2016

ATMs installed during the Y.E.

March 2017

ATMs closed during the Y.E. March

2017

ATMs as at March

2017

Rural 1009 81 57 1033Semi-Urban 1488 171 51 1608Urban 3522 338 127 3733Total 6019 590 235 6374

Bank wise position is given on Annexure No. 62 (P-268).AGENDA ITEM NO.54

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

Position as on 31.03.2017 S.No

.Particulars Data

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

2 KCCs issued since inception of the Scheme

3889779

3 Amount Sanctioned Rs. 62863 crore4 Outstanding Card Nos. 2339141


5 Amount Outstanding Rs.39146 croreAs per census 2011, data on number of farmers available with the Agriculture Department, Haryana is as under:-

Sr. No.

Classification of Farmers Numbers in lakhs

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

Total 16.17It may be observed from the above data that the no. of KCCs outstanding as on 31.03.2017 i.e. 2339141 is more than the no. of farmers in the State. The difference may be on account of issuance of more than one KCC to a farmer family depending upon the land ownership in the Revenue Record provided by the farmer to the Lending Institution.Bank-wise progress under Kissan Credit Card (KCC) Scheme as at March, 2017 is given in Annexure No. 63.1-63.2 (P 269-270).

This is for the information of the house.

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