b) september 2016 - state level bankers' committeeslbcne.nic.in/repo/mizoram/sept 2016...

AGENDA ITEMS FOR SLBC MEETING FOR THE QUARTER ENDED SEPTEMBER 2016 QUARTER

Agenda – 1: Adoption of minutes: The minutes of State Level Bankers' Committee meeting held on 29/08/2016 for the quarter ended June 2016 was circulated to all members. Since there is no request for amendment the house may adopt the minutes.

Agenda-2:Review of GOI instructions regarding financial inclusion:

a) Implementation of Atal Pension Yojana (APY): The Pension Fund Regulator & Development Authority, Government of India vide letter D.O. No. PFRDA/3/APY/109 dated 27th May, 2016 has requested the state government for active engagement in the implementation of APY scheme. They have requested the state government of similar action as was done by some of the states in the country like Andhra Pradesh & Himachal Pradesh who have issued notification that the state government will bear 50% the co-contribution of the construction workers, MGNREGA workers, Agricultural & Horticulturallabourers, shop workers, Anganwadi workers, mid-day meal workers, any other unorganized sector workers, economically weaker sections of the society. The Finance Department/Labour Department, GOM will inform the action taken on the matter.

b) Special Drive for Financial Inclusion initiatives from 15th September 2016

to 31st October 2016

The Government of India, Ministry of Finance, Department of Financial Services, New Delhi vide letter F. No. 21( 23 )/2014-FI (MISSION) dated 8th September, 2016 has instructed all banks to observe a Special drive in respect of Government’s initiatives towards financial inclusion from15th September 2016 to 31st October 2016including Pradhan Mantri Mudra Yojana (PMMY), Pradhan MantriJeevanJyotiBimaYojana (PMJJBY), Pradhan MantriSurakshaBimaYojana (PMSBY), Atal Pension Yojana(APY) and Stand Up India (SUI)to intensifyefforts to accelerate the momentum already achieved so that benefits as envisaged are realized. As instructed by the Government of India a Special State Level Bankers Committee meeting was held on 30.09.2016 wherein necessary actions to be taken were formulated (Copy of the Minute attached). A two track strategy was proposed to be adopted. Accordingly 3 events were organized by LDMs in each district of the statefocussing on the Aadhaar and mobile seeding of bank accounts, RuPay card /PIN distribution and activation, Increasing awareness about consumer induced transaction under the RuPay Insurance Program 2016-17, Grievance redressal, Counselling and sensitization of BCs/Bank Mitras and increasing awareness on the 6 schemes of the Department viz. PMJDY, PMJJBY, PMSBY, PMMY, SUI and APY.

c) Withdrawal of Legal Tender Character of existing ₹ 500/- and ₹ 1000/- Bank Notes and Implementation

In terms of the Government of India, Ministry of Finance (Department of Economic Affairs), New DelhiGazette Notification No. 2652dated 8th November, 2016,₹ 500 and ₹ 1000 denominations of Bank Notes of the existing series issued by Reserve Bank of India (hereinafter referred to as Specified Bank Notes) ceased to be legal tender with effect from November 09, 2016, to the extent specified in the Notification. A new series of Bank Notes called Mahatma Gandhi (New) Series having different size and design, highlighting the cultural heritage and scientific achievements of the country, has been

issued. Bank branches are designated as the primary agencies through which the members of public and other entities will be exchanging the Specified Bank Notes for Bank Notes in other valid denominations or depositing the Specified Bank Notes for crediting to their accounts, upto and including the December 30, 2016. Accordingly, banks have accorded highest priority to this work. The RBI is monitoring and supervising the availability and supply of currency notes to various banks in the state consequent upon the demonitisation of Specified Bank Notes. d) Financial Inclusion – Opening of accounts on Mission mode: Consequent upon the demonetization of ₹ 500 and ₹ 1000 denominations of Bank Notes the Department of Financial Services vide Video Conference dated 22.11.2016 had instructed all SLBCs of the country to increase efforts for more Aadhaar & mobile seeding to accounts and opening of PMJDY accounts banks in the state and also had started daily report to the SLBC on the total number of operative individual SB accounts, of which seeded with Aadhaar& mobile; total number of PMJDY accounts, of which Aadhaar and mobile seeded; total number of MGNREGA consent form received, of whichAadhaar seeded; total number of RuPay cards and number of BC deployed and active. The consolidated data of the state was uploaded to the PMJDY Mission site of Government of India.

In addition to the above, so as to facilitate financial inclusion of workers and to ensure timely payment of their wages, the Department of Financial Services vide letter D.O. No. 21(23).2014-FI (Mission) dated 25.11.2016 has instructed the SLBCs to conduct a special campaign on a mission mode to open bank accounts for workers of the organized and unorganized sectors who do not have any bank account as of now emphasizing capture of Aadhaar and mobile numbers at the time of opening the account wherever possible. The special account opening camps were conducted at Aizawl in consultation with the Labour Department, Government of Mizoram and the deputy Commissioner, Aizawl district on 30.11.2016. The special account opening camps were conducted also atall district headquarters as well. The Department of Financial Services vide letter D.O. No. 12(17)2016-FI dated 08.12.2016 has also instructed the SLBCs to conduct a special campaign to open bank accounts in various textile clusters. The Account opening camp in textile cluster was conducted at Thenzawl, Mizoram on 13th December 2016.

Agenda-3: Follow up action on the decision of SLBC meeting: Achievement of Government Sponsored Schemes target for financial year 2016-17: a) Credit target and achievement of PMEGP: The Margin Money allocated for the State for the FY 2016-17 is Rs.1310.74 lakhs.The target has since been made and sent to all banks. No new loan and Margin Money utilized has been reported during the period under review as no application has been forwarded to banks so far. b.Credit target and achievement of SHG for 2016-17 under NRLM: The annual target for financing of SHGs under NRLM in respect of different nodal agencies for the year 2016-17 has been approved as under:

(i) Credit target Under NERLP: Out of 326 target of SHGs to be financed during the year,33 loans amounting to Rs.27.30 lakh have been sanctioned up to September, 2016.

MIZORAM AIZAWL DISTRICT LUNGLEI DISTRICT Bank Target * Achievement Target No Achieved Target Achieved**

MRB 300 7 300 7 0 26 SBI 23 0 23 0 0 0 CANARA 2 0 2 0 0 0 MCAB 1 0 1 0 0 0 TOTAL 326 7 326 7 0 26 *The target was fixed on the data provided by NERLP, Aizawl in respect of Aizawl district only. **There is no specific target approved for Lunglei district as the data was not received by the SLBC Convener on time.

(ii) Credit target Under MZSRLM: As many as 18 loans sourced by MzSRLM amounting to Rs.13.54 lakhs have been sanctioned up to September, 2016.

MIZORAM Bank Target No Achievement

New Renewal Total New Renewal Total MRB 90 18 108 18 0 18 SBI 6 0 6 0 0 0 MCAB 4 0 4 0 0 0 TOTAL 100 18 118 18 0 18

SERCHHIP DISTRICT Bank Target No Achievement

New Renewal Total New Renewal Total MRB 51 16 66 6 0 6 SBI 6 0 6 0 0 0 MCAB 0 0 0 0 0 0 TOTAL 57 16 72 6 0 6

KOLASIB DISTRICT Bank Target No Achievement

New Renewal Total New Renewal Total MRB 39 2 41 12 0 12 SBI 0 0 0 0 0 0

MCAB 4 0 4 0 0 0 TOTAL 43 2 45 12 0 12

c. Credit target and achievement under NULM for 2016-17: i) Bank Wise target and achievement under Self Employment Program (SEP)

Sl No Name of Bank

Target Achievement

I G SHG-BL* I G SHG-

BL Total

1 SBI 82 23 0 36 1 2 39 2 UCO 0 0 0 0 0 0 0 3 Vijaya 2 2 0 7 0 0 7 4 UBI 8 0 0 0 0 0 0 5 AXIS 3 1 0 0 0 0 0 6 IDBI 12 2 0 0 0 0 0 7 SYN 5 0 0 3 0 0 3 8 CBI 2 0 0 7 0 0 7 9 PNB 2 0 0 6 0 0 6 10 BOB 0 0 0 0 0 0 0 11 ICICI 0 0 0 0 0 0 0 12 HDFC 3 1 0 0 0 0 0 13 BOI 0 0 0 0 0 0 0 14 FED 0 0 0 0 0 0 0 15 INDUS 3 1 0 0 0 0 0 16 CANARA 15 3 0 2 0 1 3 17 BOM 2 0 0 0 0 0 0 18 YES 0 0 0 0 0 0 0 19 MRB 150 46 0 87 25 17 129 20 MCAB 61 21 0 50 4 5 59 TOTAL 350 100 *300 198 30 25 253

*No target was given to individual banks but loan applications of SHGs were forwarded to banks where they maintain Account.

ii) District-wise loan disbursed and subsidy released Sl No

Name of District

Loans sanctioned & Disbursed Subsidy released Amount in lakhs I G SHG-BL Total I G SHG-BL Total

1 Aizawl 28.20 26.00 3.00 57.20 1.61 5.62 0 7.23 2 Champhai 17.77 1.80 9.70 29.27 0.23 0.06 0.44 0.73 3 Kolasib 9.20 0 0 9.20 0.08 0 0 0.08 4 Lawngtlai 13.95 18.75 5.50 38.20 0 0 0 0 5 Lunglei 19.00 0 0 19.00 0 0 0 0 6 Mamit 16.80 0 0 16.80 0 0 0 0 7 Saiha 17.50 0 0 17.50 0.07 0 0 0.07 8 Serchhip 23.00 1.00 3.57 27.57 3.57 0 0 3.57 Grand Total 145.42 47.55 21.77 214.74 1.99 5.68 0.11 11.68

Banks are to claim Interest Subsidy under SEP i.e. difference between 7% and the prevailing rate of interest, from the UD&PA Department. Out of 8 districts in the state, 3 districts have not yet claim the subsidy so far. Banks are requested to submit claim to the UD&PA Department immediately.

Agenda – 4: Development in Banking Operation (CD Ratio) in the State as on 30.09.2016: Rs. In lakh Financial year 2016-17 Deposit Advance CD Ratio September 2016 727288.17 289567.16 39.81% June 2016 649470.92 285407.75 43.94% March 2016 642318.55 283861.04 44.19% December 2015 581688.10 276507.30 47.54% September 2015 597659.11 264125.86 44.19% There has been a decrease of 5% in CD Ratio to 39.81% for the quarter under review from that of 43.94% in the last quarter. District- wise CD ratio for September 2016 quarter: Rs.in lakh District Deposit Advance CD Ratio

of Sept. 2016

CD Ratio of

June 2016

CD Ratio of March 2016

CD Ratio of

Dec 2015

CD Ratio

of Sept. 2015

AIZAWL 567326.98 180639.14 31.84% 35.90% 39.90% 37.00% 36.27%

LUNGLEI 53084.00 29880.00 56.29% 62.06% 62.83% 63.03% 63.82%

KOLASIB 23284.00 10975.00 47.14% 44.82% 44.55% 45.89% 44.59%

MAMIT 13630.00 6988.00 51.27% 49.99% 52.34% 49.65% 51.80%

LAWNGTLAI 16122.00 21241.00 131.75% 126.30% 145.45% 135.69% 154.57%

SAIHA 12622.00 13606.00 107.79% 116.73% 128.10% 98.53% 114.13%

CHAMPAI 25000.00 16929.00 67.72% 65.25% 71.54% 62.91% 69.35%

SERCHHIP 16219.19 9309.02 57.25% 54.53% 53.30% 50.26% 56.76%

Total 727288.17 289567.16 39.81% 44.96% 47.54% 44.19% 44.50%

List of Banks whose CD ratio is less than 20%: Rs. In lakh

Sl No.

Bank Name

Deposit Amount

Advances Amount

CD Ratio Sept 2016

quarter

CD Ratio June 2016

quarter

CD Ratio March 2016

quarter

CD Ratio Dec 2015

quarter

CD Ratio Sept 2015

quarter 1 YES 2645.00 3.00 0.05% 0.11% 0.11% 0.22% 0 % 2 ICICI 3679.00 130.06 3.36% 1.40% 3.54% 1.69% 1.58% 3 FED 1653.29 93.80 12.98% 12.54% 5.67% 7.20% 7.03% 4 SIB* 1409.26 173.60 16.45% 16.45% 12.32% 10.05% 12.43% 5 AXIS 28827.89 4843.89 4.15% 14.84% 16.80% 16.57% 12.65%

There are three banks (marks * in the table) who do not upload their data as on 30.09.2016 as such their data as on 30.06.2019 were repeated. Priority Sector Advances as on 30.09.2016: Rs. In lakh

Total Advances Priority sector advances percentage 289567.16 178670.30 61.70%

There is a negative growth of Rs.464.16 lakh during September, 2015 over June 2016.

Agenda – 5: Agricultural Advances as on 30.09.2016 a) Total Agricultural Advances

Rs. in lakh Total advance Total AGL Advance Percentage

289567.16 32818.50 11.33% Agricultural Advances are below the required bench mark of 18%. There is a negative growth of Rs.928.90 lakh during September, 2015 over June 2016. b) Flow of Credit to Agriculture, New Agl. loans sanctioned upto the quarter: Crop Loans 1965.44 Term Loans 16.00 Total 1981.44 New KCC issued 1455 Cumulative position of KCC 60617 c) Pradhan MatriFasalBimaYojaja (PMFBY)

All crop loan borrowers are to be covered under the insurance scheme of PMFBY which was launched on 18.02.2016. Since no notification of crops for covering under insurance has been issued in this regard, bankers are not liable for compensation if any situation arises. The Government of Mizoram has constituted a State Level Coordination Committee in this regard. Both the Director of Agriculture (CH) and Director of Horticulture will appraise the status of identification of crops and implementation of the scheme in the state.

Agenda – 6: Review of Performance under of Annual Credit Plan (ACP) The position of achievement of ACP as on 30.09.2016 is as under: Total of ACP Particulars As on September of FY 15-16 As on September of FY 16-17 Target 91671.00 110338.73 Achievement 48464.27 50019.38 Percentage 52.86% 45.33%

Br

no Name of

District Total Priority Sector Non Priority Sector

Target for 2016-17

Achiv 2016-17 % Target for

2016-17 Achiv

2016-17 %

88 Aizawl 50541.00 18278.86 36.17 30700.00 12710.48 41.40 13 Serchhip 2315.00 1521.58 65.73 890.00 454.48 51.07 20 Champhai 4290.00 2199.54 51.27 2105.00 684.81 32.53 16 Kolasib 4168.31 1565.99 37.57 764.00 584.94 76.56 10 Mamit 2901.42 967.58 33.35 970.00 303.84 31.32 21 Lunglei 3170.00 4154.10 131.04 1020.00 2770.72 271.64

11 Lawngtlai 2518.00 666.66 26.48 600.00 1164.64 194.11 7 Saiha 2586.00 743.32 28.74 800.00 1247.84 155.98

186 TOTAL 72489.73 30097.63 41.52 37849.00 19921.75 52.63

Summary Segment Wise: Rs. In Lakh Segment Target Achieved percentage Agriculture 14888.83 4148.55 27.86% Crop Loan* 6156.00 2715.65 44.11% MSE 13343.64 8431.76 63.19% Services 44257.26 17517.32 39.58% Priority Total 72489.73 30097.63 41.52% Non priority 37849.00 19921.75 52.63% Total 110338.73 50019.38 45.33% * Included in Agriculture. The number of target and achievement are not provided by banks while uploading the quarterly data. This information is necessary for various purposes. Agenda - 7: Appointment of Business Correspondents (BCs): Besides the existing BCs engaged by banks, efforts has been made to appoint one more BC by each bank from among the villages allotted to them under SSA of PMJDY. Banks will appraise the house on the position. Agenda -8: Opening of New Bank Branches.

The following new branches of banks have been opened during the current year so far:

1) State Bank of India: (i) Chaltlang Branch, Aizawl (ii) SBI In Touch Branch, Chanmari, Aizawl

2) Mizoram Rural Bank: (i) Phullen Branch, Aizawl District (ii) Mission Vengthlang Branch, Aizawl (iii) Khawlailung Branch, Serchhip District (iv) Baktawng Branch, Serchhip District (online)

(v) Bethlehem VengthlangBranch, Aizawl, Aizawl District (online) (vi) Sesawng Branch, Aizawl District (online)

3) United Bank of India: (i) Lawngtlai Branch, Lawngtlai District

4) Bandhan Bank Ltd. : (i) Aizawl Branch, Aizawl

Pending Requests for opening of branch at other centers: (i) Bukpui village: The Young Mizo Association (YMA), TuirialHydel Group and Young Mizo Association (YMA), Bukpui Branch request for opening of Mizoram Rural Bank Branch at Bukpui village andthe request has been forwarded by the Finance Department, Govt. of Mizoram. (ii) The Deputy Commissioner, Mamit District has requested for opening of bank branches at the following villages inMamit District and the request has been forwarded by the Finance Department, Govt. of Mizoram.: (a) State Bank of India at Tuipuibari village (SSA of MRB) & Phuldungsei village (b) Mizoram Co-op. Apex Bank at N. Kanghmun village (c)Mizoram Rural Bank atKawrtethawveng village &Rajivnagar village (SSA of SBI)

(iii) West Phaileng village: The Young Mizo Association (YMA), Dampa Group has requested opening a branch of State Bank of India at West Phaileng, Mamit District and the request has been forwarded by the Finance Department, Govt. of Mizoram. (iv) Longpuighat village: The Deputy Commissioner, Saiha District has submitted arequest for opening of a branch of State Bank of India at Longpuighat village, Lawngtlai district.

(v) Sakawrdai village:The President, Village Council/Court, Sakawrdai has requested for opening a Branch of either MRB or SBI at Sakawrdai and the request has been forwarded by the Finance Department, Govt. of Mizoram. Sakawrdai is having a population of 2505 and it falls under SSA of Vijaya Bank. The authorities of the concerned banks will appraise the house on the matter. Security related issues on banking: The DGP, Mizoram will appraise the house on issues relating to security on banking services including security conduciveness on the proposals for opening of a new branch at Sakawrdai village which was falling under HPC demand area. Agenda – 9: Roadmap for providing banking services in every village having population below 2000-Progress for the Quarter ended-Sept. 2016 No. of alloted villages

Out of Roadmap prepared for less than 2000, No. of villages where banking outlet opened upto the end of the reporting Quarter*

Branches

BC

Fixed Location

Visits every Week

Visits once in a fortnight

Visits more than once

in a fortnight

BCs-Sub total =

6+7+8+9 Other modes

Grand Total =

5+10+11

700 20 200 43 84 2 329 10 359 *Details in the Annexure Agenda – 10: Support from NABARD’s FIF to banks for setting up of solar

powered V-SAT Connectivity to kiosk/Fixed CSP in SSAs allotted to banks:

The NABARD has sanctioned grant assistance to 9 SSAs as shown below: Sr. No.

Name of Bank Total No. of SSAs Sanctioned

Amount sanctioned (Rs. In lakhs)

Remarks

1 UCI Bank 4 16.00 CAPEX Model 2 Syndicate Bank 3 12.00 CAPEX Model 3 State Bank of India 2 3.60 OPEX Model TOTAL 9 31.60

The beneficiary banks will appraise the house on the implementation of the sanction.

Agenda – 11: Financial Literacy Campaign/Financial Literacy Centres Report up to September, 2016

Out of 73 rural branches of banks as many as 17 branches have conducted 39 Financial Literacy Camps during the quarter. Besides the above as many as 24 Special Financial Literacy Camps/Town Hall Meetings were conducted by Financial Literacy Centres (LDMs). Details are shown in the Annexure. Agenda–12: Credit Linkage to Pradhan MantriGraminAwasYojana (PMAY-G) and Pradhan MantriAwajYojana (Housing for all – Urban)

No loan sanctioned has been reported up to the quarter.The Director (RD Department) and Director (UD&PA) will appraise the house on the status of selection of beneficiaries as well as sponsorship of applications to banks.

Agenda – 13: RSETI

There is only one RSETI in the state i.e. SBI-RSETI which is functioning at the MKVIB’s MDTC, Zemabawk. There is a proposal for construction of buildings for the RSETI at IGC, Luangmual. The Director, SBI-RSETI, Aizawl will appraise the house on the present status.

Agenda – 14: Social Security Schemes The status of Social security Schemes under PMJDY i.e. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY) and loans under Pradhan Mantri Mudra Yojana (PMMY) in respect of the state is as under:

a) Insurance Schemes State PMJJBY PMSBY APY PMJDY Account Nos

TOTAL 81543 49564 1294 387575

b) MUDRA Loans (Bank-wise details shown in the Annexure) PMMY (SISHU) PMMY (KISHORE) PMMY (TARUN) PMMY TOTAL

Nos. Amt. Nos. Amt. Nos. Amt. Nos. Amt. 2717 686.02 1628 2610.11 267 603.68 4612 3899.81

Agenda – 15: Aadhaar enrolment &Aadhaar Seeding etc.

As per the Government of India instructions, all payments of direct benefits are to be routed through an Aadhaar seeded Bank accounts only. In Mizoram, Aadhaar enrolment is in progress and seeding of Aadhaar number into the account is very slow. Meanwhile, there are complaints that Aadhaar consent form for seeding of Aadhaar number with the account has not been accepted by some bank branches. The reason could be due to wrong account number etc. The controlling authorities of banks are requested to instruct their branches to accept the Aadhaar consent letter. Agenda – 16: Recovery under Bakijai cases As many as 56 cases amounting to Rs.14.92 Lakhs were settled under Bakijai cases during the quarter and there are 1346 pending cases at the end of the quarter. Agenda – 17: Any other with the permission of the chair

Details of Banking Profile of Mizoram in the FY 2016-17 as on 30.09.2016

Profile

Public Sector

Private sector

RRBs Co-op NEDFI / RIDF / MIDC / SIDBI Total

(Amount Rs. In lakhs)

Branch Network 76 17 79 15 4 191Aggregate Deposite (D) 421226.83 71702.41 164820 69539.36 0 727288.17Aggregate Advances (A) 141542.60 14407.68 89476.5 44140.36 0 289567.16Credit Utilize (CU) 5940.00 3315.33 0 0 0 9255.33Total Credit (TC) 147482.60 17723.02 89476.5 44140.36 0 298822.50C:D Ratio (CDR1) 33.60 20.09 54.29 63.48 0 39.81C:D Ratio (CDR2) 35.13 24.72 54.29 63.48 0 41.09Investment Amount (I) 0 0 74479.7 2198.31 0 76677.97TC+I 147482.60 17713.02 163956 46338.67 0 375490.47C:D Ratio (CDR3) 35.01 24.72 99.48 66.64 0 51.63Priority sector advances 73802.96 4418.67 69973.61 30475.06 0 178670.30% to Total Advances 52.14 30.67 78.20 69.04 0 61.70Advance to Agriculture 8892.62 547.51 11402.3 11976.12 0 32818.50% to Tital Advances 6.28 3.80 12.74 27.13 0 11.33Recovery % of Priority sector Advances 6155.22 190.37 9762.59 8563.99 0 24672.17Overdues % of Priority Sector Advances 33.68 15.18 24.00 37.64 0 31.47

Sl No. Bank Name Rural Semi Urban Urban Total(R+SU+U) BC Other Modes ATM No Rural ATM No Semi-Urban ATM No Urban Total ATM No

Public Total 23 17 36 76 27 1 20 27 80 1271

Private Total 0 6 11 17 3 0 1 7 18 25

RRB Total 49 13 17 79 23 0 0 0 0 0

Co-op Total 1 6 8 16 13 0 0 1 3 4Grand Total 73 42 72 188 66 1 21 35 101 156

Total 72 43 71 186 63 2 23 28 88 139

Details of Branch Network of Mizoram in the FY2016-2017 as on date 30-09-2016

1 BOB 0 0 1 1 2 0 0 0 1 12 BOI 0 0 3 3 0 0 0 0 3 33 BOM 0 0 1 1 1 0 0 0 0 04 CAN 4 1 0 5 1 0 4 1 0 55 CBI 0 0 1 1 1 0 0 0 1 16 IDBI 0 3 2 5 1 0 0 3 2 57 IOB 0 0 1 1 0 0 0 0 1 18 PNB 0 0 1 1 0 0 0 0 2 29 PSB 0 0 1 1 0 0 0 0 1 1

10 SBI 17 9 17 43 15 0 15 20 53 8811 SYN 0 1 1 2 3 0 0 1 1 212 UBI 2 2 2 6 1 1 0 2 7 913 UCO 0 1 2 3 1 0 1 0 3 414 UNI 0 0 1 1 0 0 0 0 2 215 VJB 0 0 2 2 1 0 0 0 3 3

AXIS 0 1 2 3 1 0 1 1 5 72 BANDHAN 0 1 0 1 0 0 0 1 0 03 FED 0 0 1 1 1 0 0 0 2 24 HDFC 0 4 3 7 0 0 0 5 5 105 ICICI 0 0 2 2 0 0 0 0 2 26 INDUSIND 0 0 1 1 1 0 0 0 1 17 SIB 0 0 1 1 0 0 0 0 2 28 YES 0 0 1 1 0 0 0 0 1 1

1 MZRB 49 13 17 79 23 0 0 0 0 0

1 MCAB 1 6 7 15 13 0 0 1 3 42 MUCO 0 0 1 1 0 0 0 0 0 0

Last Quarter Data

Sl No. Bank NameDeposit

Amount (D)Advances

Amount (A)

Credit Utilize (CU)

Total Credit (TC)

CDR1 CDR2Investment Amount (I)

TC + I CDR3

Public Total 421226.83 141542.60 5940.00 147482.60 33.60 35.013 0 147482.60 35.01

Private Total 71702.41 14407.68 3315.33 17723.02 20.09 24.72 0 17723.02 24.72

RRB Total 164819.57 89476.52 0 89476.52 54.29 54.29 74479.66 163956.18 99.48

Co-op Total 69539.36 44140.36 0 44140.36 63.48 63.48 2198.31 46338.67 66.64Grand Total 727288.17 289567.16 9255.33 298822.50 39.81 41.09 76696.97 375500.47 51.63

Total 649470.92 285407.75 113.56 285521.31 43.94 43.96 101362.47 386883.78 59.57

Bank Wise Business and Credit Deposit Ratio of Mizoram in the FY2016-2017 as on date 30-09-2016

(Rs In Lakhs)

1 BOB 1910.00 480.00 480.00 960.00 25.13 50.26 0 960.00 50.262 BOI 2259.00 1348.00 0 1348 59.67 59.67 0 1348.00 59.673 BOM 344.67 406.38 0 406.38 117.90 117.90 0 406.38 117.94 CAN 2832.39 3638.49 0 3638.49 128.46 128.46 0 3638.49 128.465 CBI 5034.98 1597.16 0 1597.16 31.72 31.72 0 1597.16 31.726 IDBI 3829.00 1805.00 0 1805.00 47.14 47.14 0 1805.00 47.147 IOB* 249.63 430.68 0 430.68 172.53 172.53 0 430.68 172.538 PNB 273.11 321.18 117.00 438.18 117.60 160.44 0 438.18 160.449 PSB 166.00 164.90 0 164.90 99.34 99.34 0 164.90 99.34

10 SBI 307500.00 113000.00 0 113000.00 36.75 36.75 0 113000.00 36.7511 SYN 2528.75 966.24 0 966.24 38.21 38.21 0 966.24 38.2112 UBI 10257.00 4180.45 0 4180.45 40.76 40.76 0 4180.45 40.7613 UCO 11987.00 5343.00 5343.00 10686.00 44.57 89.15 0 10686.00 89.1514 UNI 710.30 505.12 0 505.12 71.11 71.11 0 505.12 71.1115 VJB 71345.00 7356.00 0 7356.00 10.31 10.31 0 7356.00 10.31

1 AXIS 27973.53 1160.52 3315.33 4475.85 4.15 16.00 0 4475.85 16.002 BANDHAN 220.00 500.00 0 500.00 227.27 227.27 0 500.00 227.273 FED 1433.00 186.00 0 186.00 12.98 12.98 0 186.00 12.984 HDFC 28771.28 6268.76 0 6268.76 21.79 21.79 0 6268.76 21.795 ICICI 3767.33 126.40 0 126.40 3.36 3.36 0 126.40 3.366 INDUSIND* 2181.00 5941.00 0 5941.00 272.40 272.40 0 5941.00 272.407 SIB* 1349.27 222.00 0 222.01 16.45 16.45 0 222.01 16.458 YES 6007.00 3.00 0 3.00 0.05 0.05 0 3.00 0.05

1 MZRB 164819.57 89476.52 0 89476.52 54.29 54.29 74479.66 163956.18 99.48

1 MCAB 64446.93 40917.08 0 40917.08 63.49 63.49 0 40917.08 63.492 MUCO 5092.43 3223.28 0 3223.28 63.30 63.30 2198.31 5421.59 106.46

Last Quarter Data

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

91 TOTAL 6506.00 2720.95 2547.01 1998.27 9610.00 5404.99 34425.00 10152.92 50541.00 30700.00 12710.48

Bank

AGRI (ATL + CROP) Croploan (which is included in AGRI)

MSME Services & Others Total PSA Non Priority Sector

20 SBI 320.00 1434.00 448.13 270.00 1434.00 531.11 2590.00 1148.00 44.32 6755.00 2140.00 31.68 9665.00 4722.00 48.86 16300.00 8573.00

2 UCO 250.00 40.32 16.13 115.00 10.70 9.30 240.00 114.53 47.72 745.00 232.40 31.19 1235.00 387.25 31.36 100.00 43.00

2 VJB 250.00 0.00 0.00 25.00 0.00 0.00 1850.00 0.00 0.00 2670.00 0.00 0.00 4770.00 0.00 0.00 1600.00 0.00

3 UBI 275.00 134.73 48.99 280.00 59.06 21.09 1095.00 1215.66 111.02 1365.00 1256.44 92.05 2735.00 2606.83 95.31 340.00 445.36

1 SYN 25.00 11.00 44.00 25.00 11.00 44.00 170.00 89.00 52.35 330.00 139.00 42.12 525.00 239.00 45.52 50.00 13.60

1 CBI 300.00 262.36 87.45 230.00 206.57 89.81 160.00 141.78 88.61 1130.00 1102.65 97.58 1590.00 1506.79 94.77 110.00 90.37

1 BOB 35.00 10.00 28.57 35.00 0.00 0.00 100.00 35.00 35.00 145.00 25.00 17.24 280.00 70.00 25.00 190.00 50.00

1 PNB 321.00 0.00 0.00 96.00 0.00 0.00 30.00 35.95 119.83 60.00 23.45 39.08 411.00 59.40 14.45 35.00 35.00

2 IDBI 575.00 0.00 0.00 550.00 0.00 0.00 220.00 0.00 0.00 855.00 0.00 0.00 1650.00 0.00 0.00 25.00 0.00

2 AXIS 110.00 0.00 0.00 25.00 0.00 0.00 760.00 0.00 0.00 25.00 1.01 4.04 895.00 1.01 0.11 930.00 120.27

2 ICICI 50.00 42.75 85.50 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 0.00 100.00 42.75 42.75 210.00 0.00

0.00 0.00 0.00 0.00 255.00 0.00 0.00

1 CAN 675.00 2.00 0.30 150.00 0.00 0.00 310.00 137.45 44.34 2130.00 55.93 2.63 3115.00 195.38 6.27 130.00 20.40

3 BOI 75.00 36.00 48.00 25.00 11.00 44.00 120.00 1154.00 961.67 715.00 0.00 0.00 910.00 1190.00 130.77 140.00 158.00

1 YES 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 0.00 75.00 0.00 0.00 25.00 3.00

1 FED 25.00 0.90 3.60 25.00 0.90 3.60 25.00 89.14 356.56 35.00 0.00 0.00 85.00 90.04 105.93 25.00 50.00

1 INDUS 140.00 0.00 0.00 25.00 0.00 0.00 450.00 0.00 0.00 25.00 0.00 0.00 615.00 0.00 0.00 170.00 0.00

1 BOM 25.00 0.00 0.00 25.00 0.00 0.00 25.00 23.14 92.56 85.00 356.17 419.02 135.00 379.31 280.97 25.00 57.30

1 SIB 25.00 0.00 0.00 25.00 0.00 0.00 85.00 10.00 11.76 50.00 0.00 0.00 160.00 10.00 6.25 90.00 116.70

1 P&SB 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 0.00 30.00 0.00 0.00 80.00 0.00 0.00 25.00 3.30

1 UNI 25.00 4.44 17.76 25.00 0.00 0.00 90.00 157.72 175.24 120.00 79.89 66.58 235.00 242.05 103.00 300.00 266.23

1 IOB 25.00 2.64 10.56 25.00 0.79 3.16 220.00 198.89 90.40 100.00 92.37 92.37 345.00 293.90 85.19 50.00 47.06

1 BB 0.00 0.00 ##### 1.00 0.00 0.00 0.00 0.00 #DIV/0! 0.00 0.00 #DIV/0! 0.00 0.00 #DIV/0! 0.00 0.00

30 MRB 2400.00 480.20 20.01 400.00 209.00 52.25 510.00 750.10 147.08 12000.00 2128.60 17.74 14910.00 3358.90 22.53

7 MCAB 435.00 58.88 70.00 78.93 300.00 32.88 4700.00 47.12 5435.00 2569.55 47.28

1 MUCO 25.00 3.50 14.00 0.01 0.00 0.00 25.00 6.00 24.00 280.00 305.20 109.00 330.00 314.70 95.36 200.00 260.84

41.82 78.46 56.24 29.49 18278.86 36.17

52.60

43.00

0.00

130.99

27.20

82.15

26.32

100.00

0.00

12.93

0.00

0.00

15.69

112.86

12.00

200.00

0.00

229.20

129.67

13.20

88.74

94.12

#DIV/0!

7200.00 2016.74 28.01

256.11 55.25 98.63 2214.81 700.00 340.31 48.62

130.42

41.40

3 HDFC 70.00 0.00 25.00 0.00 160.00 0.00 25.00 0.00 1730.00 0.00

Bank-Wise/District wise achievement of ACP Target for the financial year 2016-2017 upto September 2016 . than the the last year actual achievement with minimum amount of 25 lacs. The Target is 88% of the potential linked credit plan.1. NAME OF THE DISTRICT : AIZAWL Amt in l akhs

Br

no

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

12 TOTAL 660.00 287.54 385.00 217.90 655.00 230.60 1000.00 1003.44 2315.00 890.00 454.48

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

AGRI (ATL + CROP) Croploan (which is included in

AGRI) MSME


AGRI) MSME Services & Others Total PSA Non Priority Sector

3 SBI 150.00 174.00 116.00 120.00 174.00 145.00 180.00 143.00 79.44 200.00 0.00 0.00 530.00 317.00 59.81 620.00 355.00 57.26

1 MCAB 120.00 31.14 25.95 60.00 27.20 45.33 55.00 27.20 49.45 275.00 136.04 49.47 450.00 194.38 43.20 25.00 13.30 53.20

7 MRB 350.00 72.40 20.69 175.00 16.40 9.37 370.00 11.40 3.08 475.00 860.40 181.14 1195.00 944.20 79.01 220.00 86.18 39.17

1 UBI 40.00 10.00 25.00 30.00 0.30 1.00 50.00 49.00 98.00 50.00 7.00 14.00 140.00 66.00 47.14 25.00 0.00 0.00

43.57 56.60 35.21 100.34 1521.58 65.73 51.07

651.55

257.01

1275.30

0.00

15.68

0.00

2199.54

5 SBI 380.00 68.79 18.10 90.00 58.79 65.32 95.00 308.86 325.12 575.00 273.90 47.63 1050.00 62.05 1555.00 552.46 35.53

1 MCAB 200.00 82.18 41.09 125.00 7.19 5.75 125.00 20.13 16.10 200.00 154.70 77.35 525.00 48.95 60.00 10.00 16.67

11 MRB 695.00 52.30 7.53 400.00 4.80 1.20 320.00 12.80 4.00 1205.00 1210.20 100.43 2220.00 57.45 370.00 122.35 33.07

1 HDFC 70.00 0.00 0.00 30.00 0.00 0.00 30.00 0.00 0.00 80.00 0.00 0.00 180.00 0.00 40.00 0.00 0.00

1 CAN 70.00 0.80 1.14 30.00 0.00 0.00 30.00 1.30 4.33 60.00 13.58 22.63 160.00 9.80 40.00 0.00 0.00

1 IDBI 70.00 0.00 0.00 30.00 0.00 0.00 30.00 0.00 0.00 55.00 0.00 0.00 155.00 0.00 40.00 0.00 0.00

13.74 10.04 54.46 75.97 51.27 32.5320 TOTAL 1485.00 204.07 705.00 70.78 630.00 343.09 2175.00 1652.38 4290.00 2105.00 684.81

Bank-Wise/District wise achievement of ACP Target for the financial year 2016-2017 upto September 2016 . than the the last year actual achievement with minimum amount of 25 lacs. The Target is 88% of the potential linked credit plan.3. NAME OF THE DISTRICT : CHAMPHAI

Br

no Name of

B anks

Services Sector Total Priori ty Sector Non Priori ty Sector

Bank-Wise/District wise achievement of ACP Target for the financial year 2016-2017 upto September 2016 . than the the last year actual achievement with minimum amount of 25 lacs. The Target is 88% of the potential linked credit plan.2. NAME OF THE DISTRICT : SERCHHIP

Br

no Name of

B anks

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%


MSME


MSME

4 SBI 815.23 3.29 0.40 530.00 3.29 0.62 218.43 18.00 50.13 263.60 120.00 114 1297.26 10.89 290.00 372.14 128.32

1 MCAB 225.30 48.45 21.50 100.00 9.75 9.75 70.73 3.70 5.23 81.45 173.50 213 377.48 59.78 101.00 33.70 33.37

6 MRB 892.47 22.90 2.57 380.00 11.40 3.00 329.11 56.50 17.17 436.75 680.40 156 1658.33 45.82 273.00 109.10 39.96

1 UCO 101.86 4.80 4.71 50.00 1.40 2.80 66.67 15.45 23.17 65.40 5.00 8 233.93 10.79 25.00 4.00 16.00

1 CAN 102.10 0.00 0.00 40.00 0.00 0.00 67.57 50.00 74.00 65.20 20.00 31 234.87 29.80 25.00 0.00 0.00

1 UBI 105.05 27.00 25.70 40.00 0.00 0.00 67.57 52.00 76.96 61.40 0.00 0 234.02 33.76 25.00 0.00 0.00

1 CBI 0.00 0.00 ##### 0.00 0.00 #DIV/0! 0.00 0.00 #DIV/0! 0.00 0.00 #DIV/0! 0.00 #DIV/0! 0.00 0.00 #DIV/0!

1 BB 10.35 176.00 ##### 10.00 0.00 0.00 66.67 89.00 133.49 55.40 0.00 0 132.42 200.12 25.00 66.00 264.00

12.54 2.25 32.10 97 4168.31 37.57 76.56

3 SBI 522.49 64.01 12.25 165.00 64.01 38.79 35.61 234.13 143.00 61.08 972.81 29.19 700.00 196.28 28.04

1 MCAB 210.57 17.50 8.31 85.00 3.80 4.47 71.97 12.39 17.22 79.30 98.20 123.83 361.84 35.40 60.00 37.30 62.17

6 MRB 749.41 11.10 1.48 150.00 8.60 5.73 373.73 4.20 1.12 443.63 540.20 121.77 1566.77 35.46 210.00 70.26 33.46

6.25 19.10 14.14 103.22 33.35 31.32

141.29

225.65

759.80

25.25

70.00

79.00

0.00

265.00

1565.99

283.99

128.09

555.50

967.58

16 TOTAL 2252.36 282.44 1150.00 25.84 886.75 284.65 1029.20 998.90 764.00 584.94

10 TOTAL 1482.47 92.61 400.00 76.41 661.89 93.57 757.06 781.40 2901.42 970.00 303.84

Bank-Wise/District wise achievement of ACP Target for the financial year 2016-2017 upto September 2016 . than the the last year actual achievement with minimum amount of 25 lacs. The Target is 88% of the potential linked credit plan.5. NAME OF THE DISTRICT : MAMIT

Br

no Name of

B anks


Bank-Wise/District wise achievement of ACP Target for the financial year 2016-2017 upto September 2016 . than the the last year actual achievement with minimum amount of 25 lacs. The Target is 88% of the potential linked credit plan.4. NAME OF THE DISTRICT : KOLASIB

Br

no Name of

B anks


216.19 76.98

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

4154.10

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

666.66


AGRI) MSME


AGRI) MSME

5 SBI 368.00 158.20 42.99 168.00 158.20 94.17 70.00 1380.64 1972.34 580.00 49.40 8.52 1018.00 156.02 400.00 1487.22 371.81

1 MCAB 115.00 60.96 53.01 30.00 5.40 18.00 100.00 39.55 39.55 180.00 334.80 186.00 395.00 110.21 120.00 29.00 24.17

9 MRB 242.00 68.80 28.43 42.00 42.80 101.90 150.00 280.60 187.07 485.00 1578.54 325.47 877.00 219.83 340.00 1210.10 355.91

1 HDFC 70.00 0.00 0.00 10.00 0.00 0.00 20.00 0.00 0.00 85.00 0.00 0.00 175.00 0.00 30.00 0.00 0.00

1 AXIS 23.00 0.00 0.00 8.00 0.00 0.00 20.00 0.00 0.00 85.00 0.00 0.00 128.00 0.00 30.00 20.10 67.00

1 CAN 68.00 6.70 9.85 8.00 0.00 0.00 20.00 90.50 452.50 85.00 14.41 16.95 173.00 64.51 30.00 1.80 6.00

1 IDBI 67.00 0.00 0.00 7.00 0.00 0.00 20.00 0.00 0.00 85.00 0.00 0.00 172.00 0.00 30.00 0.00 0.00

1 SYN 22.00 7.00 31.82 7.00 0.00 0.00 20.00 12.00 60.00 85.00 27.00 31.76 127.00 36.22 30.00 14.50 48.33

1 UBI 15.00 7.00 46.67 5.00 2.00 40.00 20.00 12.00 60.00 70.00 26.00 37.14 105.00 42.86 10.00 8.00 80.00

2 SBI 453.00 28.45 6.28 245.00 28.45 11.61 30.00 4.90 16.33 435.00 13.00 2.99 918.00 5.05 200.00 278.04 139.02

1 MCAB 165.00 59.66 36.16 75.00 9.00 12.00 50.00 16.25 32.50 350.00 202.70 57.91 565.00 49.31 100.00 65.20 65.20

6 MRB 160.00 32.50 20.31 50.00 12.20 24.40 150.00 189.00 126.00 296.00 120.20 40.61 606.00 56.39 100.00 820.40 820.40

1 HDFC 50.00 0.00 0.00 35.00 0.00 0.00 20.00 0.00 0.00 152.00 0.00 0.00 222.00 0.00 100.00 0.00 0.00

1 CAN 35.00 0.00 0.00 20.00 0.00 0.00 20.00 0.00 0.00 152.00 0.00 0.00 207.00 0.00 100.00 1.00 1.00

1588.24

435.31

1927.94

0.00

0.00

111.61

0.00

46.00

45.00

46.35

278.61

341.70

0.00

0.00

21 TOTAL 990.00 308.66 31.18 285.00 208.40 73.12 440.00 1815.29 412.57 1740.00 2030.15 116.68 3170.00 131.04 1020.00 2770.72 271.64

11 TOTAL 863.00 120.61 13.98 425.00 49.65 11.68 270.00 210.15 77.83 1385.00 335.90 24.25 2518.00 26.48 600.00 1164.64 194.11

Bank-Wise/District wise achievement of ACP Target for the financial year 2016-2017 upto September 2016 . than the the last year actual achievement with minimum amount of 25 lacs. The Target is 88% of the potential linked credit plan.7. NAME OF THE DISTRICT : LAWNG TLAI

Br

no Name of

B anks


Bank-Wise/District wise achievement of ACP Target for the financial year 2016-2017 upto September 2016 . than the the last year actual achievement with minimum amount of 25 lacs. The Target is 88% of the potential linked credit plan.6. NAME OF THE DISTRICT : LUNG LEI

Br

no Name of

B anks


Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

743.32

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

Target for 2016-17

Achiv2016-17

%Target for

2016-17Achiv

2016-17%

72489.73 30097.63


AGRI) MSME


AGRI) MSME

1 SBI 210.00 50.70 24.14 120.00 44.70 37.25 60.00 36.12 60.20 380.00 204.15 53.72 650.00 44.76 250.00 450.72 180.29

1 HDFC 55.00 0.00 0.00 30.00 0.00 0.00 25.00 0.00 0.00 182.00 0.00 0.00 262.00 0.00 100.00 0.00 0.00

1 IDBI 55.00 0.00 0.00 30.00 0.00 0.00 25.00 0.00 0.00 182.00 0.00 0.00 262.00 0.00 100.00 0.00 0.00

3 MRB 215.00 18.86 8.77 50.00 12.10 24.20 50.00 7.30 14.60 645.00 84.30 13.07 910.00 12.14 200.00 760.42 380.21

1 MCAB 115.00 62.11 54.01 30.00 11.60 38.67 30.00 6.00 20.00 357.00 273.78 76.69 502.00 68.11 150.00 36.70 24.47

91

12

20 1485.00 204.07 705.00 70.78 630.00 343.09 2175.00 1652.38 2105.00 684.81

16 2252.36 282.44 1150.00 25.84 886.75 284.65 1029.20 998.90 764.00 584.94

10 1482.47 92.61 400.00 76.41 661.89 93.57 757.06 781.40 970.00 303.84

650.00 131.67 260.00 68.40 190.00 49.42 1746.00 562.23 800.00 1247.84

290.97

0.00

0.00

110.46

341.89

6506.00 2720.95 41.82 2546.00 1998.27 78.49 9610.00 5404.99 56.24 34425.00 10152.92 29.49 50541.00 18278.86 36.17 30700.00 12710.48

660.00 287.54 43.57 385.00 217.90 56.60 655.00 230.60 35.21 1000.00 1003.44 100.34 2315.00 1521.58 65.73 890.00 454.48

13.74 10.04 54.46 75.97 4290.00 2199.54 51.27

12.54 2.25 32.10 97.06 4168.31 1565.99 37.57

6.25 19.10 14.14 103.22 2901.42 967.58 33.35

31.18 73.12 412.57 116.68 3170.00 4154.10 131.04

13.98 11.68 77.83 24.25 2518.00 666.66 26.48

20.26 26.31 26.01 32.20 2586.00 743.32 28.74

27.86 44.11 63.19 39.58 41.52

7 TOTAL 650.00 131.67 20.26 260.00 68.40 26.31 190.00 49.42 26.01 1746.00 562.23 32.20 2586.00 28.74 800.00 1247.84 155.98

Aizaw l

Serchhip

Champhai

Kolasib

Mamit

14888.83 4148.55 6156.00 2715.65 13343.64 8431.76 44257.26 17517.32 37849.00 19921.75

Bank-Wise/District wise achievement of ACP Target for the financial year 2016-2017 upto September 2016 . than the the last year actual achievement with minimum amount of 25 lacs. The Target is 88% of the potential linked credit plan.Summary of district wise ACP Target for the financial 2016-17

Br

no Name of

Di stri ct

Servi ces Sector Total Priori ty Sector Non Priori ty Sector

Bank-Wise/District wise achievement of ACP Target for the financial year 2016-2017 upto September 2016 . than the the last year actual achievement with minimum amount of 25 lacs. The Target is 88% of the potential linked credit plan.8. NAME OF THE DISTRICT : SAIHA

Br

no Name of

B anks


41.40

51.07

32.53

76.56

31.32

Lunglei 271.64

Lawngtlai 194.11

Saiha 155.98

TOTAL 52.63

21 990.00 308.66 285.00 208.40 440.00 1815.29 1740.00 2030.15 1020.00 2770.72

11 863.00 120.61 425.00 49.65 270.00 210.15 1385.00 335.90 600.00 1164.64

7

188

Sl No. Bank Name No. of A/C Total O/S Demand Raised Recovery Amount % Overdues Amount Overdues % GrossNPA Amount Gross NPA %

Analysis of Total Priority Sector Advances of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)

Public Total 30928 73802.96 9280.60 6155.22 66.32 3125.38 33.68 5857.21 7.94

Public Total 30928 73802.96 9280.60 6155.22 66.32 3125.38 33.68 5857.21 7.94

Private Total 1628 4418.67 224.44 190.37 84.82 34.07 15.18 33.37 0.76

RRB Total 45969 69973.61 12763.78 9762.59 76.00 3001.19 24.00 5811.47 8.00

RRB Total 45969 69973.61 12763.78 9762.59 76.00 3001.19 24.00 5811.47 8.00

8659 30475.06 13733.31 8563.99 62.36 5169.32 37.64 2788.39 9.15Grand Total 87184 178670.30 36002.13 24672.17 68.53 11329.96 31.47 14490.44 8.11

Total 71834 126348.74 28703.51 14422.9 50.00 14280.61 50.00 9988.78 8.00

Coop Banks Total

1 BOB 55 88.00 30.00 15.00 50.00 15.00 50.00 0 02 BOI 533 1218.00 0 0 0 0 0 0 03 BOM 112 380.24 173.54 0 0 173.54 100.00 173.54 46.004 CAN 1530 3624.58 0.67 0.67 100.00 0 0 134.5 4.005 CBI 661 1476.79 174 106.88 61.00 67.12 39.00 33.27 2.00

5 CBI 661 1476.79 174 106.88 61.00 67.12 39.00 33.27 2.006 IDBI 997 1437.57 36.54 36.5 100.00 0.04 0 261 18.007 IOB** 2 1.70 0 0 0 0 0 1.70 100.008 PNB 4859 280.08 223.4 22.3 10.00 201.10 90.00 110.25 39.009 PSB 49 146.18 6.41 5.49 86.00 0.92 14.00 28.61 20.00

10 SBI 20661 53241 6843 5539 81.00 1304.00 19.00 3566 7.0011 SYN 214 534.23 88.96 6.39 7.00 82.57 93.00 126.46 24.0012 UBI 701 2880.66 262.12 153.11 58.00 109.01 42.00 50.69 2.0013 UCO 454 1117.36 707.5 207 29.00 500.50 71.00 574.2 51.0014 UNI 100 203.57 39.46 37.88 96.00 1.58 4.00 1.99 1.0015 VJB 0 7173 695 25 4.00 670.00 96.00 795.00 11.00

1 AXIS 20 784.03 162.23 134.14 82.69 28.09 17.31 0 02 BANDHAN 1401 435.00 0 0 0 0 0 0 03 FED 8 0 0 0 0 0 0 0 04 HDFC 185 3180.76 62.21 56.23 90.39 5.98 9.61 33.37 1.055 ICICI 14 18.88 0 0 0 0 0 0 06 INDISIND* 0 0 0 0 0 0 0 0 07 SIB** 0 0 0 0 0 0 0 0 08 YES 0 0 0 0 0 0 0 0 0

1 MZRB 45969 69973.61 12763.78 9762.59 76.00 3001.19 24.00 5811.47 8.00

MCAB 8659 30475.06 13733.31 8563.99 62.00 5169.32 38.00 2788.39 9.00MUCO 0 0 0 0 0 0 0 0 0

Last Quarter Data

Sl No. Bank Name No. of A/C Total O/S Demand Raised Recovery Amount % Overdues Amount Overdues % Gross NPA Amount Gross NPA %

Analysis of Priority Sector Advances Under AGRICULTURE of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)

Public Total 16633 8892.62 2265.92 1496.83 66.06 769.09 33.94 1237.67 13.92

Public Total 16633 8892.62 2265.92 1496.83 66.06 769.09 33.94 1237.67 13.92

Private Total 1127 547.51 95.94 64.77 68.00 31.17 32.00 4.08 1.00

RRB Total 18960 11402.25 429.90 251.50 59.00 178.40 41.00 2388.35 21.00

RRB Total 18960 11402.25 429.90 251.50 59.00 178.40 41.00 2388.35 21.0012

Coop Total 3297 11976.12 6626.35 4413.25 66.60 2213.1 33.40 1085.76 9.07Grand Total 40017 32818.50 9418.11 6226.35 66.11 3191.76 33.89 4715.86 14.37

Total 35171 31395.52 6285.59 2172.75 35.00 4112.84 65.00 2848.24 9.001 BOB 55 28.00 20.00 5.00 25.00 15.00 75.00 0 02 BOI** 36 30.79 0 0 0 0 0 0 03 BOM 0 0 0 0 0 0 0 0 04 CAN 776 495.56 0 0 0 0 0 58.86 12.005 CBI 380 232.36 35.00 12.00 34.00 23.00 66.00 3.64 2.00

5 CBI 380 232.36 35.00 12.00 34.00 23.00 66.00 3.64 2.006 IDBI 889 463.57 0 0 0 0 0 0 07 IOB** 2 1.7 0 0 0 0 0 0 08 PNB 4859 280.08 223.4 22.3 10.00 201.10 90 110.25 39.009 PSB 0 0 0 0 0 0 0 0 0

10 SBI 9423 6283.00 1976.00 1454.00 74.00 522.00 26 947.00 15.0011 SYN 25 29.89 5.4 0 0 5.40 100 11.49 38.0012 UBI 152 730.20 2.12 2.11 100.00 0.01 0 4.23 1.0013 UCO 24 90.00 0.50 0 0 0.5 100 0.20 014 UNI 12 4.47 1.50 1.42 95.00 0.08 5 0 015 VJB 0 223.00 2.00 0 0 2.00 100 102.00 46.00

1 AXIS 2 90.07 80.00 52.00 65.00 28.00 35 0 02 BANDHAN 1091 315.00 0 0 0 0 0 0 03 FED 1 0 0 0 0 04 HDFC 31 140.60 15.94 12.77 80.00 3.17 20 4.08 3.005 ICICI 2 1.84 0 0 0 0 0 0 06 INDUS* 0 0 0 0 0 0 0 0 07 SIB* 0 0 0 0 0 0 0 0 08 YES 0 0 0 0 0 0 0

1 MZRB 18960 11402.25 429.90 251.50 59.00 178.40 41.00 2388.35 21.00

MCAB 3297 11976.12 6626.35 4413.25 67.00 2213.1 33.00 1085.76 9.00MUCO 0 0 0 0 0 0 0 0 0

Last Quarter Data


Public Total 10384 7363.11 701.00 503.60 71.84 197.40 28.16 460.00 6.25

Private Total 5 182.09 0 0 0 0 0 0 0

RRB Total 2594 1179.4 129.73 81.73 63.00 48.00 37.00 139.29 12.00

972 8858.62 628.23 428.99 68.29 199.24 205.36 175.61 1.98Grand Total 13955 17583.22 1458.96 1014.32 69.52 444.64 30.48 774.90 4.41

Total 4298 3515.85 942.71 227.89 24.00 714.82 76.00 261.01 7.00

Analysis of Priority Sector Advances Under CROPLOAN of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)

Coop Total

1 BOB 50 28.00 15.00 1.00 7.00 14.00 93.00 0 02 BOI R 32 18.33 0 0 0 0 0 0 03 BOM 0 0 0 0 0 0 0 0 04 CAN 226 121.67 0 0 0 0 0 0 05 CBI 355 206.57 28.00 2.60 9.00 25.40 91.00 0 06 IDBI 892 570.57 0 0 0 0 0 07 IOB* 0 0 0 0 0 0 0 0 08 PNB 0 0 0 0 0 0 0 0 09 PSB 0 0 0 0 0 0 0 0

10 SBI 8459 4971 520 461 89.00 59.00 11.00 368.00 7.0011 SYN 2 11.24 0 0 0 0 0 0 012 UBI 73 265.15 53.00 14.00 26.00 39.00 74.00 12.00 5.0013 UCO 295 1170.58 85.00 25.00 29.00 60.00 71.00 80.00 7.0014 UNI 0 0 0 0 0 0 0 0 015 VJB 0 0 0 0 0 0 0 0 0

1 AXIS 2 90.07 0 0 0 0 0 0 02 BANDHAN 0 0 0 0 0 0 0 0 03 FED 0 0 0 0 0 0 0 0 04 HDFC 3 92.02 0 0 0 0 0 0 05 ICICI 0 0 0 0 0 0 0 0 06 INDUS 0 0 0 0 0 0 0 0 07 SIB 0 0 0 0 0 0 0 0 08 YES 0 0 0 0 0 0 0 0 0

1 MZRB 2594 1179.4 129.73 81.73 63.00 48.00 37.00 139.29 12.00

1 MCAB 972 8858.62 628.23 428.99 68.29 199.24 31.71 175.61 1.982 MUCO 0 0 0 0 0 0 0 0 0

Last Quarter Data


Analysis of Priority Sector Advances Under SERVICES of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)

Public Total 12181 57664.02 5602.31 3882.97 69.31 1719.34 30.69 3734.05 6.48

Public Total 12181 57664.02 5602.31 3882.97 69.31 1719.34 30.69 3734.05 6.481

Private Total 16 5.21 0.11 0.11 100.00 0 0 0 0

RRB Total 21753 52724.47 11339.91 8845.13 78.00 2494.78 22.00 2778.42 5.00

RRB Total 21753 52724.47 11339.91 8845.13 78.00 2494.78 22.00 2778.42 5.00

4791 15875.25 5893.45 3367.78 57.00 2525.67 43.00 893.85 6.00Grand Total 38741 126268.95 22835.78 16095.99 70.49 6739.79 29.51 7406.32 5.87

Total 16230 68871.27 17529.33 10343.02 59.00 7186.31 41.00 4770.30 7.00

Coop Total

1 BOB 0 25.00 5.00 5 100.00 0 0 0 02 BOI** 414 1031.26 0.00 0 0 0 0 160.78 16.003 BOM 86 357.10 170.32 0 0 170.32 100.00 170.32 48.004 CAN 349 665.95 0.49 0.49 100.00 0 0 58.86 9.005 CBI 225 1102.65 106.00 68.88 65.00 37.12 35.00 22.43 2.00

5 CBI 225 1102.65 106.00 68.88 65.00 37.12 35.00 22.43 2.006 IDBI 78 938.00 36.54 36.50 100.00 0.04 0 261.00 28.007 IOB* 0 0 0 0 0 0 0 0 08 PNB* 0 0 0 0 0 0 0 0 09 PSB 10 73.94 3.96 3.10 78.00 0.86 22.00 15.01 20.00

10 SBI 10630 44898.00 4143.00 3581.00 86.00 562.00 14.00 2054 5.0011 SYN 46 189.71 0 0 0 0 0 21.44 11.0012 UBI 122 841.80 78.00 56.00 72.00 22.00 28.00 18.21 2.0013 UCO 208 486.69 357.00 98.00 27.00 259.00 73.00 259.00 53.0014 UNI 13 103.92 9.00 9.00 100.00 0 0 0 015 VJB 0 6950.00 693.00 25.00 4.00 668.00 96.00 693.00 10.00

AXIS 10 1.04 0 0 0 0 02 BANDHAN 0 0 0 0 0 0 0 0 03 FED 0 0 0 0 0 0 0 0 04 HDFC 5 3.81 0.11 0.11 100.00 0 0 0 05 ICICI 1 0.36 0 0 0 0 06 INDUS* 0 0 0 0 0 0 0 0 07 SIB* 0 0 0 0 0 0 08 YES 0 0 0 0 0 0

1 MZRB 21753 52724.47 11339.91 8845.13 78.00 2494.78 22.00 2778.42 5.00

1 MCAB 4791 15875.25 5893.45 3367.78 57.00 2525.67 43.00 893.85 6.002 MUCO 0 0 0 0 0 0 0 0 0

Last Quarter Data


Analysis of Priority Sector Advances Under INDUSTRY of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)

Public Total 2112.00 7200.20 1412.37 775.42 54.90 636.95 45.10 1047.34 14.55

Public Total 2112.00 7200.20 1412.37 775.42 54.90 636.95 45.10 1047.34 14.55

Private Total 485 3865.95 128.39 125.49 97.74 2.90 2.26 29.29 0.76

RRB Total 5256 5846.89 993.97 665.96 67.00 328.01 33.00 644.70 11.00

MUCO 0 0 0 0 0 0 0 0 0571 2623.69 1213.51 782.96 64.52 430.55 35.48 808.78 30.83

Grand Total 8424.00 19536.73 3748.24 2349.83 62.69 1398.41 37.31 2527.34 12.94

Total 20433 26081.95 4888.59 1907.13 39.00 2981.46 61.00 2370.24 9.00

Coop Total

1 BOB 0 35.00 5.00 5.00 100.00 0 0 0 02 BOI** 81.00 109.83 0 0 0 0 0 2.77 3.003 BOM 26.00 23.14 3.22 0 0 3.22 100.00 3.22 14.004 CAN 405.00 2463.07 0.18 0.18 100.00 0 0 16.78 1.005 CBI 56.00 141.78 33.00 26.00 79.00 7.00 21.00 7.200 5.00

5 CBI 56.00 141.78 33.00 26.00 79.00 7.00 21.00 7.200 5.006 IDBI 30.00 36.00 0.00 0 0 0 07 IOB* 0 0 0 0 0 0 0 0 08 PNB 0 0 0 0 0 0 0 0 09 PSB 39.00 72.24 2.45 2.39 98.00 0.06 2.00 13.600 19.00

10 SBI 608.00 2060.00 724.00 504.00 70.00 220.00 30.00 565.00 27.0011 SYN 143.00 314.63 83.56 6.39 8.00 77.17 92.00 93.53 30.0012 UBI 427.00 1308.66 182.00 95.00 52.00 87.00 48.00 28.25 2.0013 UCO 222.00 540.67 350.00 109.00 31.00 241.00 69.00 315.00 58.0014 UNI 75.00 95.18 28.96 27.46 95.00 1.50 5.00 1.99 2.0015 VJB 0 0 0 0 0 0 0 0 0

1 AXIS 8 692.92 82.23 82.14 100.00 0.09 0 0 02 BANDHAN 310 120 0 0 0 0 03 FED 7 0 0 0 0 04 HDFC 149 3036.35 46.16 43.35 94 2.81 6 29.29 1.005 ICICI 11 16.68 0 0 0 0 06 INDUS* 0 0 0 0 0 0 07 SIB* 0 0 0 0 0 08 YES 0 0 0 0 0 0

1 MZRB 5256 5846.89 993.97 665.96 67.00 328.01 33.00 644.70 11.00

1 MCAB 571 2623.69 1213.51 782.96 65.00 430.55 35.00 808.78 31.002

Last Quarter Data

Sl No. Bank Name

Lending

Number of

Muslim

Lending Amount of

Muslim

Out standing

Number of

Muslim

Out standing Amount of

Muslim

Lending Number of

ChristianLending Amount of Chriatian

Out standing Number

of ChristianOut standing Amount of Christian

Lending

Number of

Sikh

Lending

Amount of

Sikh

Out standing

Number of Sikh

Out standing

Amount of Sikh

Lending Number

of BudhistLending Amount of Budhist

Out standing

Number of Budhist

Out standing Amount of

Budhist

Lending

Number of

Zoroastrian

Lending Amount

of Zoroastrian

Out standing

Number of

Zoroastrian

Out standing

Amount of

Zoroastrian

Lending Number

of Jain

Lending Amount

of Jain

Out standing

Number of Jain

Out standing

Amount of JainTotal Lending No Total Lending Amt Total Out standing No Total Out standing Amt

Public Total 20 44.25 41 145.88 45396 118072.59 51251 126618.84 0 0 0 0 112 2655.00 113 2657.03 0 0 0 0 0 0 0 0 45528 120771.84 51405 129421.75

Private Total 0 0 1 1.71 0 0 0 0 0 0 0 0 0 0 1 1.4 0 0 0 0 0 0 0 0 0 0 2 3.11

RRB Total 51 38.25 51 38.82 9343 19427.10 69524 130354.78 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9394 19465.35 69575 130393.60

Co-op Total

Grand Total 71 82.50 93 186.41 56333 140719.82 122369 260193.75 0 0 0 0 112 2655.00 114 2658.43 0 0 0 0 0 0 0 0 56516 143457.32 122576 263038.59

Total 23 90.11 20 67.54 10504 87366.99 121567 249827.47 0 0 0 0 0 0 1 1.79 0 0 0 0 0 0 0 0 10527 87457.10 121588 249896.80

Advances Details of Minority Community of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)

1 BOB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

2 BOI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

3 BOM 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

4 CAN 0 0 0 0 66 182.62 1523 3638.49 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 66 182.62 1523 3638.49

5 CBI 0 0 0 0 37 89.30 723 1597.16 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 37 89.30 723 1597.16

6 IDBI 0 0 0 0 11 22.00 993 1783.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 11 22.00 993 1783.00

7 IOB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

8 PNB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

9 PSB 0 0 1 7.99 1 1.42 62 148.31 0 0 0 0 0 0 1 2.03 0 0 0 0 0 0 0 0 1 1.42 64 158.33

10 SBI 15 18.00 15 18.00 44003 108560.00 44003 108560.00 0 0 0 0 112 2655.00 112 2655.00 0 0 0 0 0 0 0 0 44130 111233.00 44130 111233.00

11 SYN 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

12 UBI 1 11.50 14 102.04 35 1061 997 4180.45 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 36 1072.50 1011 4282.49

13 UCO 0 0 7 8.50 57 430.25 1764 5342.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 57 430.25 1771 5350.50

14 UNI 2 13.75 2 8.35 136 374.00 136 319.43 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 138 387.75 138 327.78

15 VJB 2 1.00 2 1.00 1050 7352.00 1050 1050.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1052 7353.00 1052 1051.00

1 AXIS 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

2 BANDHAN 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

3 FED 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

4 HDFC 0 0 1 1.71 0 0 0 0 0 0 0 0 0 0 1 1.4 0 0 0 0 0 0 0 0 0 0 2 3.11

5 ICICI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

6 INDISIND 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

7 SIB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

8 YES 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

1 MZRB 51 38.25 51 38.82 8300 14431.10 57944 89437.70 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 8351 14469.35 57995 89476.52

1 MCAB 0 0 0 0 1043 4996.00 11580 40917.08 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1043 4996.00 11580 40917.08

1 MUCO 0 0 0 0 1594 3220.13 1594 3220.13 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1594 3220.13 1594 3220.13

Last Quarter Data

Sl No. Bank NameMinority

community NoMinority Community

AmountSC/ST No

SC/ST Amount

Women Benificiaries No

Women Benificiaries Amount

Physically Handicapped No

Physically Handicapped Amount

Public Total 52354 131772.03 4960 17664.07 2292 9816.4 2 4.51

Private Total 3 5.06 143 407.22 465 863.09 0 0

RRB Total 57995 89476.52 57995 89476.52 34027 5298.6 2 1.240 0 0 0 0 0

Co-op Total 13174 44137.21 1594 3220.13 605 1387.61 0 0Grand Total 123526 265390.82 64692 110767.94 37389 17365.7 4 5.75

Total 134746 293313.78 130480 284454.7 64383 149691.33 3 4.99

Details of Advances to Sensitive Sector of Mizoram in the FY2016-2017 as on date 30-09-2016

(Rs In Lakhs)

1 BOB 0 0 0 0 0 0 0 02 BOI 0 0 0 0 0 0 0 03 BOM 80 324.79 0 0 37 202.60 0 04 CAN 1523 3638.49 924 2585.21 0 0 0 05 CBI 723 1597.16 37 1597.16 302 646.45 0 06 CBI 723 1597.16 37 1597.16 302 646.45 0 07 IDBI 993 1783.00 993 1783.00 542 492.00 0 08 IOB* 146 428.33 145 428.75 45 124.56 2 4.519 PNB 0 0 0 0 0 0 0 0

10 PSB 64 158.33 63 150.34 27 47.91 0 011 SBI 44130 111233.00 0 0 0 0 0 012 UBI 1011 4282.49 997 4180.45 316 2037.00 0 013 UCO 1771 5350.50 1764 5342.00 365 3159.00 0 014 UNI 138 327.78 0 0 62 130.43 0 015 VJB 1052 1051.00 0 0 294 2330.00 0 0

1 AXIS 0 0 12 92.50 6 43.38 0 02 BANDHAN 0 0 0 0 0 0 0 03 FED 0 0 0 0 0 0 0 04 HDFC 2 3.11 116 294.52 436 805.22 0 05 ICICI 1 1.95 15 20.2 23 14.49 0 06 INDUS 0 0 0 0 0 0 0 07 SIB 0 0 0 0 0 0 0 08 YES 0 0 0 0 0 0 0 0

1 MZRB 57995 89476.52 57995 89476.52 34027 5298.6 2 1.24

1 MCAB 11580 40917.082 MUCO 1594 3220.13 1594 3220.13 605 1387.61 0 0

Last Quarter Data

Sl No. Bank NameWomen Lending Number

Women Lending Amount

Women Out

standing Number

Women Out standing Amount

SC Lending Number

SC Lending Amoun

t

SC Out standin

g Number

SC Out standing Amount

ST Lending Number

ST Lending Amount

ST Out standing Number

ST Out standing Amount

Phy. Handi cappe

d Lendin

g Numb

er

Phy. Handi capped Lending Amount

Phy. Handi

capped Out

standing Number

Phy. Handi

capped Out

standing Amount

Total Lending Number

Total Lending Amount

Total Out standing Number

Total Out standing Amount

Public Total 17454 39333.30 19195 48937.39 0 0 0 0 41974 100655.07 46281 120325.63 0 0 0 0 59130 138837.27 64884 158344.52

Private Total 74 257.12 442 848.60 0 0 2 1.65 15 118.99 126 385.37 0 0 0 0 89 376.11 570 1235.62

RRB Total 3507 6366.51 34027 5298.60 0 0 0 0 8351 14469.35 57995 89476.52 2 1.25 2 1.24 11860 20837.11 92024 94776.36

Co-op Total 605 1387.61 605 1387.61 0 0 0 0 1594 3220.13 1594 3220.13 0 0 0 0 2199 4607.74 2199 4607.74Grand Total 21640 47344.54 54269 56472.20 0 0 2 1.65 51934 118463.54 105996 213407.65 2 1.25 2 1.24 73278 164658.23 159677 258964.24

Total 6968 51750.79 59460 136240.08 32 41.02 284 424.97 8709 42112.81 118824 266182.75 3 5.50 3 4.99 13977 41543.64 176689 351177.79

Details of Advances to OTHER SENSITIVE SECTORS of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)

1 BOB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 BOI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 BOM 37 229.57 37 202.60 0 0 0 0 83 482.57 83 391.64 0 0 0 0 0 0 0 04 CAN 0 0 0 0 0 0 0 0 0 0 924 2585.21 0 0 0 0 0 0 924 2585.215 CBI 10 25 302 646.45 0 0 0 0 37 89.30 37 1597.16 0 0 0 0 47 114.30 339 2243.616 IDBI 4 4 542 492.00 0 0 0 0 11 22.00 993 1783.00 0 0 0 0 15 26.00 1535 2275.007 IOB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 08 PNB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 09 PSB 0 0 27 47.91 0 0 0 0 1 1.42 63 150.34 0 0 0 0 1 1.42 90 198.25

10 SBI 17300 38800.00 17250 39892.00 0 0 0 0 41601 98241.00 41304 96432.00 0 0 0 0 58901 137041.00 58554 13632411 SYN 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 012 UBI 36 123.3 316 2037.00 0 0 0 0 68 1080.00 997 4180.45 0 0 0 0 104 1203.30 1313 6217.4513 UCO 5 21 365 3159.00 0 0 0 0 57 430.25 1764 5342.00 0 0 0 0 62 451.25 2129 8501.0014 UNI 62 130.43 62 130.43 0 0 0 0 116 308.53 116 308.53 0 0 0 0 0 0 0 015 VJB 0 0 294 2330.00 0 0 0 0 0 0 0 7555.30 0 0 0 0 0 0 0 0

1 AXIS 5 38.48 6 43.38 0 0 0 0 8 81.04 12 92.50 0 0 0 0 13 119.52 18 135.882 BANDHAN 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 FED 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 04 HDFC 69 218.64 436 805.22 0 0 2 1.65 7 37.95 114 292.87 0 0 0 0 0 0 0 05 ICICI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 06 INDUSIN 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 07 SIB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 08 YES 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

1 MZRB 3507 6366.51 34027 5298.60 0 0 0 0 8351 14469.35 57995 89476.52 2 1.25 2 1.24 11860 20837.11 92024 94776.36

1 MCAB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 MUCO 605 1387.61 605 1387.61 0 0 0 0 1594 3220.13 1594 3220.13 0 0 0 0 2199 4607.74 2199 4607.74

Last Quarter Data

Sl No.Bank

NameTarget

Achievement no. of

Micro

Achievement amt of

Micro

O/S No. of

Micro

O/S Amt of Micro

Achievement No. of

Small

Achievement

Amt of Small

O/S No. of Small

O/S Amt of Small

Achievement No. of Medium

Achievement Amt of Medium

O/S No. of

Medium

O/S Amt of

Medium

SME Achieveme

nt during the Qtr

Total O/S at the end

of Qtr

Public Total 120 554 2239.54 4291 16863.43 104 968.05 480 8557.44 5 53000.00 8 734.00 56207.59 26154.87123 FED

Private Total 0 6 42.96 110 2399.77 6 32.12 47 1329.48 0 0 0 0 75.08 3729.25

RRB Total 2000 80 137.30 1011 966.51 203 486.20 676 1267.83 49 688.40 155 207.23 1311.90 2441.57

Co-op TotalGrand Total 2120 756 2643.65 5983 22853.4 313 1486.37 1203 11154.75 54 53688.40 163 941.23 57818.42 34949.38

Total 2090 1303 2512.40 7362 26834.15 514 1778.47 1027 11924.27 152 397.470 160 448.21 4688.34 39206.63

Financing Under MSME Sector of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)

1 BOB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 BOI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 BOM 0 26 41.90 26 23.40 0 0 0 0 0 0 0 0 41.90 23.404 CAN 0 24 15.80 342 706.53 21 126.56 48 963.09 0 0 0 0 142.36 1669.625 CBI 0 9 19.60 156 341.03 1 10 23 331.72 0 0 0 0 29.60 672.756 IDBI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 07 ION 0 0 0 0 0 0 0 0 0 0 0 0 0 0 08 PNB 30 20 35.95 187 416.28 0 0 0 0 0 0 0 0 35.95 416.289 PSB 0 0 0 36 69.60 0 0 3 2.63 0 0 0 0 0 72.23

10 SBI 0 355 1854.15 3150 14385.00 17 616.49 245 6515.00 5 53000.00 8 734.00 55470.64 21634.0011 SYN 0 0 0 0 0 0 0 0 0 0 0 0 0 0 012 UBI 0 45 148.0 285 675.0 65 215 143 708.00 0 0 0 0 363.00 1383.0013 UCO 0 0 0 34 151.41 0 0 18 37.00 0 0 0 0 0 188.4114 UNI 90 75 124.14 75 95.18 0 0 0 0 0 0 0 0 124.14 95.1815 VJB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

AXIS 0 0 0 7 114.21 0 0 1 578.70 0 0 0 0 0 692.91BANDHAN 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 04 HDFC 0 6 42.96 103 2285.56 6 32.12 46 750.78 0 0 0 0 75.08 3036.345 ICICI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 06 INDUSIND 0 0 0 0 0 0 0 0 0 0 0 0 0 0 07 SIB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 08 YES 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

2 MZRB 2000 80 137.30 1011 966.51 203 486.20 676 1267.83 49 688.40 155 207.23 1311.90 2441.57

1 MCAB 0 116 223.85 571 2623.69 0 0 0 0 0 0 0 0 223.85 2623.692 MUCO 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 116 223.85 571 2623.69 0 0 0 0 0 0 0 0 223.85 2623.69

Last Quarter Data

SL. NO. BANK NAMESISHU

NOSISHU AMT

(SANCTIONED)SISHU AMT

(DISBURSED)KISHORE

NOKISHORE AMT (SANCTIONED)

KISHORE AMT

(DISBURSED)

TARUN NO

TARUN AMT (SANCTIONE

D)

TARUN AMT (DISBURSED)

TOTAL AC

TOTAL AMT (SANCTIONED)

TOTAL AMT (SANCTIONED)

Public Total 2187 361.07 350.63 711 764.26 740.86 245 438.08 420.22 3143 1563.41 1511.71

Private Total 11 5.50 5.50 7 10.85 10.85 1 5.60 5.60 19 21.95 21.95

RRB Total

Co-op. Total 132 65.45 64.45 0 0 0 0 0 0 132 65.45 64.45Grand Total 2717 686.02 638.58 1628 2610.11 2216.71 267 603.68 534.82 4612 3899.81 3390.11

Financing Under MUDRA (PMMY) LOAN of Mizoram in the Year 2016-2017 and Quarter 2(Rs. In Lakhs)

1 BOB 64 32.40 32.40 4 13.90 13.90 1 10.00 10.00 69 56.30 56.302 BOI 109 52.20 52.20 36 93.80 93.80 10 73.00 73.00 155 219.00 219.003 BOM 6 3.00 1.87 0 0 0 0 0 0 6 3.00 1.874 CAN 276 89.00 81.00 82 163.00 143.00 36 212.00 196.00 394 464.00 420.005 CBI 41 15.55 15.55 3 8.30 8.30 2 14.00 14.00 46 37.85 37.856 IDBI 6 2.10 2.10 3 7.80 7.80 3 30.00 30.00 12 39.90 39.907 IOB 14 6.60 6.60 51 81.80 81.80 1 10.00 10.00 66 98.40 98.408 PNB 9 2.67 2.67 8 14.20 14.20 3 19.00 19.00 20 35.87 35.879 PSB 0 0 0 0 0 0 0 0 0 0 0 0

10 SBI 1359 6.69 5.68 397 10.84 9.06 181 15.08 13.22 1937 32.61 27.9611 SYN 45 22.00 22.00 20 49.00 49.00 1 3.00 3.00 66 74.00 74.0012 UBI 206 105.00 105.00 78 255.00 255.00 7 52.00 52.00 291 412.00 412.0013 UCO 7 2.70 2.40 15 25.72 24.10 0 0 0 22 28.42 26.5014 UNI 17 8.16 8.16 14 40.90 40.90 0 0 0 31 49.06 49.0615 VJB 28 13.00 13.00 0 0 0 0 0 0 28 13.00 13.00

1 AXIS 0 0 0 0 0 0 0 0 0 0 0 02 BANDHAN 0 0 0 0 0 0 0 0 0 0 0 03 FED 0 0 0 0 0 0 0 0 0 0 0 04 HDFC 0 0 0 1 1.80 1.80 0 0 0 1 1.8 1.85 ICICI 3 1.50 1.50 6 9.05 9.05 1 5.60 5.60 10 16.15 16.156 INDUCIND 0 0 0 0 0 0 0 0 0 0 0 07 SIB 8 4.00 4.00 0 0 0 0 0 0 8 4.00 4.008 YES 0 0.00 0.00 0 0 0 0 0 0 0 0 0

1 MZRB 387 254.00 218.00 910 1835.00 1465.00 21 160.00 109.00 1318 2249.00 1792.00387 254.00 218.00 910 1835.00 1465.00 21 160.00 109.00 1318 2249.00 1792.00

1 MCAB 132 65.45 64.45 0 0 0 0 0 0 132 65.45 64.452 MUCO 0 0 0 0 0 0 0 0 0 0 0 0

Sl No. Bank Name

Target No Target Amount

Sanctione No

Sanctioned Amount

Disbursed No

Disbursed Amount

Cumulative No

Cumulative Amount

NPA No NPA Amount

Public Total 5 24.00 16 47.63 16 20.79 134 467.55 10 62.76

Private Total 108 138.33 0 0 0 0 1 3.27 0 0

RRB Total 18 63.00 10 40.81 10 14.62 35 88.18 3 8.81

Co-op TotalGrand Total 141 275.33 26 88.44 26 35.41 188 573.88 13 71.57

Total 32 129 19 1050781.84 15 617612.19 256 4272696.69 14 75.48

Education Loan Scheme of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs. In Lakhs)

1 BOB 0 0 4 5.00 4 4.00 4 5.00 0 02 BOI 0 0 0 0 0 0 0 0 03 BOM 0 0 0 0 0 0 0 0 04 CAN 0 0 3 8.22 3 4.25 29 53.26 0 05 CBI 5 20.00 2 6.85 2 2.26 45 156.80 1 1.106 IDBI 0 0 0 0 0 0 0 0 07 IOB 0 0 0 0 0 0 0 0 08 PNB 0 0 0 0 0 0 0 0 09 PSB 0 0 0 0 0 0 2 5.42 0 0

10 SBI 0 0 5 21.06 5 7.43 22 101.00 0 011 SYN 0 0 0 0 0 0 0 0 012 UBI 0 0 1 2.50 1 2.50 3 10.55 0 013 UCO 0 0 0 0 0 0 20 115.51 9 61.6614 UNI 0 4.00 1 4.00 1 0.35 2 5.01 0 015 VJB 0 0 0 0 0 7 15.00 0 0

1 AXIS 0 0 0 0 0 0 0 0 0 02 BANDHAN 0 0 0 0 0 0 0 0 03 FED 0 0 0 0 0 0 0 0 04 HDFC 108 138.33 0 0 0 0 1 3.27 0 05 ICICI 0 0 0 0 0 0 0 0 06 INDUSIND 0 0 0 0 0 0 0 0 07 SIN 0 0 0 0 0 0 0 0 08 YES 0 0 0 0 0 0 0 0 0

1 MZRB 18 63.00 10 40.81 10 14.62 35 88.18 3 8.81

1 MCAB 0 0 0 0 0 0 18 14.88 0 02 MUCO 10 50.00 0 0 0 0 0 0 0 0

10 50.00 0 0 0 0 18 14.88 0 0

Last Quarter Data

Sl No. Bank Name Target Current Year Number of Cards issued

Current Year Limit Sanctioned

Cumilative Position Number of Cards issued

Cumilative Position Limit Sanctioned

Public Total 0 584 808.92 9270 8576

Private Total 0 1 42.75 31 140.6

RRB Total 0 774 317.3 47902 8550.93

Co-op. Total 0 96 110.69 3414 1739.96Grand Total 0 1455 1279.66 60617 19007.49

Total 3428 697 490.25 59929 17680.56

Financing Under Kisan Credit Card(KCC) of Mizoram in the Year 2016-2017 and Quarter 2(Rs. In Lakhs)

1 BOB 0 0 0 55 252 BOI 0 0 0 0 03 BOM 0 0 0 0 04 CAN 0 20 12 230 1255 CBI 0 10 6.05 355 206.576 IDBI 0 0 0 0 07 IOB 0 1 1.5 6 4.98 PNB 0 0 0 0 23669 PSB 0 0 0 0 0

10 SBI 0 513 765.44 8504 5471.7311 SYN 0 0 0 2 0.412 UBI 0 38 23.18 73 265.1513 UCO 0 2 0.75 35 105.914 UNI 0 0 0 10 5.3515 VJB 0 0 0 0 0

1 AXIS 0 0 0 0 02 BANDHAN 0 0 0 0 03 FED 0 0 0 0 04 HDFC 0 1 42.75 31 140.65 AXIS 0 0 0 0 06 BANDHAN 0 0 0 0 07 SIB 0 0 0 0 08 YES 0 0 0 0 0

1 MZRB 0 774 317.3 47902 8550.93

1 MCAB 0 96 110.69 3414 1739.962 MUCO 0 0 0 0 0

Last Quarter Data

Sl No. Bank Name Target Current Quarter Number of A/C Cumulative Position No of A/C OD Number OD Amount

Public Total 1246 5166 56716 217 21.00

Private Total 0 0 0 0 0

RRB Total 0 1031 1178 0 0

2Co-op Total 0 0 0 0 0Grand Total 1246 6245 58769 217 21.00

Total 0 851 52077 392 13.20

Progress under Financial Inclusion:: Opening of No Frills A/C of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)

1 BOB 0 0 0 0 02 BOI 0 0 0 0 03 BOM 0 63 2200 0 04 CAN 0 347 11013 217 21.005 CBI 0 0 0 0 06 IDBI 0 0 982 0 07 IOB 0 0 0 0 08 PNB 0 0 0 0 09 PSB 0 0 0 0 0

10 SBI 0 4550 38102 0 011 SYN 0 0 0 0 012 UBI 1246 0 2248 0 013 UCO 0 206 1641 0 014 UNI 0 0 0 0 015 VJB 0 0 530 0 0

1 AXIS 0 0 0 0 02 BANDHAN 0 0 0 0 03 FED 0 0 0 0 04 HDFC 0 0 0 0 05 ICICI 0 0 0 0 06 INDUSIND 0 0 0 0 07 SIB 0 0 0 0 08 YES 0 0 0 0 0

1 MzRB 0 1031 1178 0 0

1 MCAB 0 0 0 0 0MUCO 0 0 0 0 0

Last Quarter Data

Sl No. Bank Name TargetApplication

ReceivedSanctioned

NumberSanctioned

AmountDisbursed Number

Disbursed Amount

Pending Sanction

Pending Disbursed

Returned/ Reject

Public Total 327 0 0 0 0 0 0 0 01

Private Total 35 0 0 0 0 0 0 0 6

RRB Total 195 0 0 0 0 0 0 0 01

Co-op Total 98 0 0 0 0 0 0 0 0Grand Total 655 0 0 0 0 0 0 0 6

Total 655 0 0 0 0 0 0 0 0

Performance Under PMEGP of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)

1 BOB 6 0 0 0 0 0 0 0 02 BOI 6 0 0 0 0 0 0 0 03 BOM 3 0 0 0 0 0 0 0 04 CAN 24 0 0 0 0 0 0 0 05 CBI 12 0 0 0 0 0 0 0 06 IDBI 23 0 0 0 0 0 0 0 07 IOB 6 0 0 0 0 0 0 0 08 PNB 6 0 0 0 0 0 0 0 09 PSB 3 0 0 0 0 0 0 0 0

10 SBI 174 0 0 0 0 0 0 0 011 SYN 9 0 0 0 0 0 0 0 012 UBI 23 0 0 0 0 0 0 0 013 UCO 16 0 0 0 0 0 0 0 014 UNI 6 0 0 0 0 0 0 0 015 VJB 10 0 0 0 0 0 0 0 0

AXIS 7 0 0 0 0 0 0 0 02 BANDHAN 0 0 0 0 0 0 0 0 03 FED 6 0 0 0 0 0 0 0 04 HDFC 13 0 0 0 0 0 0 0 65 ICICI 3 0 0 0 0 0 0 0 06 INDUSIND 2 0 0 0 0 0 0 0 07 SIB 2 0 0 0 0 0 0 0 08 YES 2 0 0 0 0 0 0 0 0

1 MzRB 195 0 0 0 0 0 0 0 0

MCAB 98 0 0 0 0 0 0 0 02 MUCO 0 0 0 0 0 0 0 0 0

Last Quarter Data

Sl No. Bank Name TargetCurrent Year

Deposit linkages Number

Current Year Deposit linkage

Amount

Current Year Credit Linkage

Number

Current Year Credit Linkage

Amount

Cumilative Position Deposit linkages Number

Cumilative Position Deposit linkage Amount

Cumilative Position Credit

Linkage Number


Linkage Amount

Public Total 0 0 0 0 0 65 12.00 65 31.00

Private Total 0 0 0 0 0 0 0 0 0

RRB Total 333 74 3.28 74 146.66 1237 4.22 1237 1311.3

Co-op Total 0 5 0.03 3 8.30 100 17.84 98 515.61Grand Total 333 79 3.31 77 154.96 1402 34.06 1400 1857.91

Total 333 43 1.43 40 82.85 1373 22.46 1370 1875.08

Financing Under Joint Liabilities Group Scheme of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)


10 SBI 0 0 0 0 0 65 12.00 65 31.0011 SYN 0 0 0 0 0 0 0 0 012 UBI 0 0 0 0 0 0 0 0 013 UCO 0 0 0 0 0 0 0 0 014 UNI 0 0 0 0 0 0 0 0 015 VJB 0 0 0 0 0 0 0 0 0

1 AXIS 0 0 0 0 0 0 0 0 02 BANDHAN 0 0 0 0 0 0 0 0 03 FED 0 0 0 0 0 0 0 0 04 HDFC 0 0 0 0 0 0 0 0 05 ICICI 0 0 0 0 0 0 0 0 06 INDUSIND 0 0 0 0 0 0 0 0 07 SIB 0 0 0 0 0 0 0 0 08 YES 0 0 0 0 0 0 0 0 0

1 MZRB 333 74 3.28 74 146.66 1237 4.22 1237 1311.3

1 MCAB 0 5 0.03 3 8.3 100 17.84 98 515.612 MUCO 0 0 0 0 0 0 0 0 0

Last Quarter Data

Sl No. Bank Name Target

Current Year

Deposit Number

Current Year

Deposit Amount

Current Year

Credit Linkage Under NRLM

Number

Current Year

Credit Linkage Under NRLM

Amount

Current Year

Credit Linkage Direct SHG

Number

Current Year

Credit Linkage Direct SHG

Amount

Current Year

Credit linkage

Total Number

Current Year

Credit linkage Total

Amount

Cumilative

Position Deposit Number

Cumilative

Position Deposit linkage Amount


Linkage Under NRLM

Number


Linkage Under NRLM

Amount


Linkage Direct SHG

Number


Linkage Direct SHG

Amount

Cumilative Position Credit linkage

Total Number

Cumilative Position Credit linkage

Total Amount

Public Total 31 30 2.02 0 0 0 0 0 0 19 3.22 14 0.07 38 102.23 52 102.3

Private Total 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

RRB Total 390 92 4.03 23 25.76 22 48.05 92 172.79 92 4.03 45 1.11 47 98.98 92 100.09

Co-op Total 5 28 0.25 0 0 10 27.71 10 27.71 638 16.14 0 0 33 73.95 33 73.95Grand Total 426 150 6.30 23 25.76 32 75.76 102 200.50 749 23.39 59 1.18 118 275.16 177 276.34

Total 311 77 2.43 45 73.81 14 37.01 59 110.82 1551 20.56 53 78.65 911 1208.52 964 1287.17

Financing Under SELF HELP GROUP of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)

1 BOB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 BOI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 BOM 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 04 CAN 2 1 0.02 0 0 0 0 0 0 4 0.22 0 0 0 0 0 05 CBI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 06 IDBI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 07 IOB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 08 PNB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 09 PSB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

10 SBI 29 29 2.00 0 0 0 0 0 0 15 3.00 0 0 15 26.00 15 26.0011 SYN 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 012 UBI 0 0 0 0 0 0 0 0 0 0 0 0 0 23 76.23 23 76.2313 UCO 0 0 0 0 0 0 0 0 0 0 0 14 0.07 0 0 14 0.0714 UNI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 015 VJB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

1 AXIS 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 BANDHAN 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 FED 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 04 HDFC 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 05 ICICI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 06 INDUS 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 07 SIB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 08 YES 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

1 MZRB 390 92 4.03 23 25.76 22 48.05 92 172.79 92 4.03 45 1.11 47 98.98 92 100.09

1 MCAB 5 28 0.25 0 0 10 27.71 10 27.71 638 16.14 0 0 33 73.95 33 73.952 MUCO 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Last Quarter Data

Sl No. Bank Name Number Of Account Total Outstanding Number of Loan Granted During the Year Amount of Loan Granted During the Year

Public Total 2 10 2 12.00

Private Total 0 0 0 0

RRB Total 6702 35386.22 956 3867.17

Co-op TotalGrand Total 6704 35396.22 958 3879.17

Total 6639 34206.33 407 3838.53

Financial Position Under RURAL HOUSING of Mizoram in the Year 2016-2017 and Quarter 2(Rs In Lakhs)

1 BOB 0 0 0 02 BOI 0 0 0 03 BOM 0 0 0 04 CAN 0 0 0 05 CBI 0 0 0 06 IDBI 0 0 0 07 IOB 0 0 0 08 PNB 0 0 0 09 PSB 0 0 0 0

10 SBI 0 0 0 011 SYN 0 0 0 012 UBI 2 10 2 12.0013 UCO 0 0 0 014 UNI 0 0 0 015 VJB 0 0 0 0

1 AXIS 0 0 0 02 BANDHAN 0 0 0 03 FED 0 0 0 04 HDFC 0 0 0 05 ICICI 0 0 0 06 INDUSIN 0 0 0 07 SIB 0 0 0 08 YES 0 0 0 0

2 MZRB 6702 35386.22 956 3867.17

1 MCAB 0 0 0 01 MUCO 0 0 0 0

0 0 0 0

Last Quarter Data


ReceivedSanctioned

NumberSanctioned


Disbursed Amount

Pending Sanction

Pending Disbursed

Returned/ Reject

Public Total 0 13 13 93.67 721 93.67 0 0 0

Private Total 0 0 0 0 0 0 0 0 0

RRB Total 0 0 0 0 0 0 0 0 0

Co-op Total 0 53 53 386.00 728 386.00 0 0 0Grand Total 0 66 66 479.67 727 479.67 0 0 0

Total 0 186 186 523.28 281 523.28 0 0 0

Performance Position Under TRANSPORT OPERATOR Scheme in the Year 2016-2017 as on 30-09-2016(Rs In Lakhs)


10 SBI 0 13 13 93.67 13 93.67 0 0 011 SYN 0 0 0 0 0 0 0 0 012 UBI 0 0 0 0 0 0 0 0 013 UCO 0 0 0 0 0 0 0 0 014 UNI 0 0 0 0 0 0 0 0 015 VJB 0 0 0 0 0 0 0 0 0


1 MZRB 0 0 0 0 0 0 0 0 0

1 MCAB 0 53 53 386.00 53 386.00 0 0 02 MUCO 0 0 0 0 0 0 0 0 0

Last Quarter Data


ReceivedSanctioned

NumberSanctioned


Disbursed Amount

Pending Sanction

Pending Disbursed

Returned/ Reject

Public Total 0 3 3 2.08 3 2.08 0 0 0

Private Total 0 0 0 0 0 0 0 0 0MzRB

RRB Total

Co-op TotalGrand Total 0 3 3 2.08 3 2.08 0 0 0

Total 0 0 0 0 0 0 0 0 0

Performance Under WCC of Mizoram in the Year 2016-2017 and Quarter 2(Rs In Lakhs)


10 SBI 0 3 3 2.08 3 2.08 0 0 011 SYN 0 0 0 0 0 0 0 0 012 UBI 0 0 0 0 0 0 0 0 013 UCO 0 0 0 0 0 0 0 0 014 UNI 0 0 0 0 0 0 0 0 015 VJB 0 0 0 0 0 0 0 0 0


0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

MCAB 0 0 0 0 0 0 0 0 01 MUCO 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0

Last Quarter Data

Sl No. Bank NameEduca tion

Loan NoEduca tion

Loan Amount

Agri-Clinic Agri Business cntre No

Agri-Clinic Agri Business

cntre Amount

Dairy Entreprenurs Development

Scheme No

Dairy Entreprenurs Development

Scheme Amount

Rural Go Down No

Rural Go Down

Amount

Cold Storage No

Cold Storage Amount

Dairy/ Poultry Venture No

Dairy/ Poultry Venture Amount

Venture Capital for

Agri No

Public Total 647 2844.55 0 0 347 18956.08 0 0 0 0 54 23.76 0

Private Total 0 0 0 0 0 0 0 0 0 0 0 0 0

RRB Total 35 88.18 0 0 0 0 0 0 0 0 1222 1118.23 0

Co-op Total 13 13.25 0 0 24 123.96 0 0 0 0 0 0 0Grand Total 695 2945.98 0 0 371 19080.04 0 0 0 0 1276 1141.99 0

Total 175 586.17 0 0 265 1077.28 0 0 0 0 598 557.71 0

Details Of Special Scheme of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)

1 BOB 0 0 0 0 0 0 0 0 0 0 0 0 02 BOI 0 0 0 0 0 0 0 0 0 0 0 0 03 BOM 0 0 0 0 0 0 0 0 0 0 0 0 04 CAN 29 53.26 0 0 2 1.08 0 0 0 0 49 19.36 05 CBI 45 156.8 0 0 0 0 0 0 0 0 1 0.4 06 IDBI 0 0 0 0 0 0 0 0 0 0 0 0 07 IOB 0 0 0 0 0 0 0 0 0 0 0 0 08 PNB 0 0 0 0 0 0 0 0 0 0 0 0 09 PSB 2 5.42 0 0 0 0 0 0 0 0 0 0 0

10 SBI 546 2498 0 0 155 18200 0 0 0 0 3 3.5 011 SYN 0 0 0 0 0 0 0 0 0 0 0 0 012 UBI 3 10.55 0 0 0 0 0 0 0 0 0 0 013 UCO 20 115.51 0 0 190 755 0 0 0 0 1 0.5 014 UNI 2 5.01 0 0 0 0 0 0 0 0 0 0 015 VJB 0 0 0 0 0 0 0 0 0 0 0 0 0

1 AXIS 0 0 0 0 0 0 0 0 0 0 0 0 02 BANDHAN 0 0 0 0 0 0 0 0 0 0 0 0 03 FEC 0 0 0 0 0 0 0 0 0 0 0 0 04 HDFC 0 0 0 0 0 0 0 0 0 0 0 0 05 ICICI 0 0 0 0 0 0 0 0 0 0 0 0 06 INDUSIND 0 0 0 0 0 0 0 0 0 0 0 0 07 SIB 0 0 0 0 0 0 0 0 0 0 0 0 08 YES 0 0 0 0 0 0 0 0 0 0 0 0 0

1 MZRB 35 88.18 0 0 0 0 0 0 0 0 1222 1118.23 0

1 MCAB 13 13.25 0 0 24 123.96 0 0 0 0 0 0 02 MUCO 0 0 0 0 0 0 0 0 0 0 0 0 0

Last Quarter Data

Venture Capital for

Agri Amount

0

0

0

00

0

000000000000000

00000000

0

00

Sl No. Bank NameMSE Target

No

MSE Target

Amt

MSE Achv

NoMSE Achv Amt

MSE OS

No

MSE OS Amt

(6A)

Education

Target No

Education

Target Amt

Education

Achv No

Education

Achv Amt

Education OS

No

Education

OS Amt

Housing

Target No

Housing

Target Amt

Housing

Achv No

Housing

Achv Amt

Housing

OS No

Housing

OS Amt

Other Target

No

Other

Target Amt

Other Achv

No

Other Achv

AmtOther OS No

Other OS

Amt

Total Target

No

Total Target

Amt

Total Achv

No

Total Achv

AmtTotal OS No

Public Total 0 5714.62 0 5472.58 2027 8982.51 50 171.41 60 193.63 107 1009.07 0 0 0 0 738 8961.38 0 888.00 0 761.68 1197 4019.17 50 6774.03 60 6427.89 4069

Private Total 0 444.74 0 164.08 467 3849.27 33 114.50 0 0 1 3.27 0 0 0 0 0 0 0 1031.5 0 83 179 79.59 33 1590.74 0 247.08 647

RRB Total 0 4234.43 0 1858.57 5256 5846.89 18 63.00 10 14.62 35 88.18 0 0 0 0 6702 35386.2 0 4507.42 0 2168.66 15051 17338.25 18 8804.85 10 4041.85 27044

Co-op Total

Grand Total 0 10493.79 0 7719.08 8342 21387.82 111 398.91 70 208.25 156 1113.77 0 0 0 0 9355 53070.2 0 6926.92 0 5545.37 19727 30168.05 111 17819.62 70 13472.70 37580

Total 3455 10023.72 1839 156044.96 24067 35529.72 32 137.00 9 33.32 251 803.51 1693 9525.43 617 4090.23 9102 47037.2 3137 5300.42 1045 3966.93 14474 61033.26 8317 24986.57 3510 164135 47894

MIS Report on MSE & EDUCATION & HOUSINGS & OTHERS of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs. In Lakhs)

1 BOB 0 75 0 95.00 0 0 0 0 6 0 0 0 0 0 0 0 0 145 0 168 0 190 0 0 0 243 6 285 0

2 BOI 0 0 0 0 50 149.12 0 0 2 8 2 3 0 0 0 0 3 17.99 0 0 0 0 16 16.92 0 0 2 8 71

3 BOM 0 0 0 0 26 23.14 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 26

4 CAN 0 0 0 178.65 405 2463.07 0 0 0 0 29 53.26 0 0 0 0 79 986.33 0 0 0 0 95 4.9 0 0 0 178.65 608

5 CBI 0 860 0 671.75 179 671.75 50 167.41 45 156.80 45 156.80 0 0 0 0 44 412.07 0 600 0 571.68 102 571.68 50 1627.41 45 1400.23 370

6 IDBI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

7 IOB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

8 PNB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

9 PSB 0 0 0 0 39 72.24 0 0 0 0 2 5.42 0 0 0 0 6 67.23 0 0 0 0 2 1.29 0 0 0 0 49

10 SBI 0 3459.62 0 3807.44 469 3274.11 0 0 4 18.33 4 656.00 0 0 0 0 435 4425.26 0 0 0 0 0 0 0 3459.62 4 3825.77 908

11 SYN 0 190 0 101.00 135 384.57 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 190 0 101 135

12 UBI 0 1040 0 342.63 427 1308.66 0 0 1 2.50 3 10.55 0 0 0 0 96 1289.24 0 0 0 0 122 841.8 0 1040 1 345.13 648

13 UCO 0 0 0 114.53 222 540.67 0 0 0 0 20 115.51 0 0 0 0 65 585.47 0 0 0 0 860 2582.58 0 0 0 114.53 1167

14 UNI 0 90 0 124.18 75 95.18 0 4 2 8 2 5.01 0 0 0 0 10 98.88 0 120 0 0 0 0 0 214 2 132.18 87

15 VJB 0 0 0 37.40 0 0 0 0 0 0 0 3.52 0 0 0 0 0 933.91 0 0 0 0 0 0 0 0 0 37.4 0

1 AXIS 0 0 0 0 8 692.92 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 10 1.04 0 0 0 0 18

2 BANDHAN 0 66.67 0 89 310 120.00 0 0 0 0 0 0 0 0 0 0 0 0 0 5 0 83 165 78 0 71.67 0 172 475

3 FED 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

4 HDFC 0 378.07 0 75.08 149 3036.35 33 114.50 0 0 1 3.27 0 0 0 0 0 0 0 1026.5 0 0 4 0.55 33 1519.07 0 75.08 154

5 ICICI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

6 INDUSIND 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

7 SIB 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

8 YES 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

1 MZRB 0 4234.43 0 1858.57 5256 5846.89 18 63.00 10 14.62 35 88.18 0 0 0 0 6702 35386.2 0 4507.42 0 2168.66 15051 17338.25 18 8804.85 10 4041.85 27044

1 MCAB 0 0 0 223.85 571 2623.69 0 0 0 0 13 13.25 0 0 0 0 1834 8362.42 0 0 0 2406.03 2944 7499.58 0 0 0 2629.88 5362

2 MUCO 0 100 0 0 21 85.46 10 50.00 0 0 0 0 0 0 0 0 81 360.17 0 500 0 126 356 1231.46 10 650 0 126 458

0 100 0 223.85 592 2709.15 10 50.00 0 0 13 13.25 0 0 0 0 1915 8722.59 0 500 0 2532.03 3300 8731.04 10 650 0 2755.88 5820

Last Quarter Data

Total OS Amt

22972.13

3932.13

58659.54

105739.83

144403.64

145

187.03

23.14

3507.56

1812.3

0

0

0

146.18

8355.37

384.57

3450.25

3824.23

199.07

937.43

693.96

198

0

3040.17

0

0

0

0

58659.54

18498.94

1677.09

20176.03

Sl No. Bank Name Number Of Account Total Outstanding Demand Raised Recovery Amount Recovery % Overdues

Public Total 481 922.29 348.74 101.11 29 247.63

Private Total 9 4.64 0.57 0.53 93 0.04

RRB Total

Co-op TotalGrand Total 1035 1625.73 644.47 236.97 37 407.5

Total 1017 1693.79 731.37 279.53 425 451.84

Recovery Position Under PMEGP of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)

1 BOB 0 0 0 0 0 02 BOI 0 0 0 0 0 03 BOM 0 0 0 0 04 CAN 37 105.58 0.13 0.13 100 05 CBI 68 180.15 21 14 67 76 IDBO 0 0 0 0 0 07 IOB 0 0 0 0 0 08 PNB 0 0 0 0 0 09 PSB 0 0 0 0 0

10 SBI 172 360.24 152.01 8.54 6 143.4711 SYN 0 0 0 0 0 012 UBI 76 86.06 28.05 7.69 27 20.3613 UCO 108 139.45 132.55 56.55 43 7614 UNI 20 50.81 15 14.2 95 0.815 VJB 0 0 0 0 0

1 AXIS 2 1.4 0.04 0 0 0.042 BANDHAN 0 0 0 0 0 03 FED 0 0 0 0 0 04 HDFC 7 3.24 0.53 0.53 100 05 ICICI 0 0 0 0 0 06 INDUSIND 0 0 0 0 0 07 SIB 0 0 0 0 0 08 YES 0 0 0 0 0 0

1 MZRB 147 243.33 43.8 22.98 52 20.82147 243.33 43.8 22.98 52 20.82

1 MCAB 398 455.47 251.36 112.35 45 139.012 MUCO 0 0 0 0 0

398 455.47 251.36 112.35 45 139.01

Last Quarter Data

Sl No. Bank NameNumber of Pending

Cases At the Begining Of the Quarter

Amount of Pending Cases At the

Begining Of the Quarter

Number of Cases add during The

Quarter

Amount of Casses Add during the

Quarter

Number of Cases Settled

during The Quarter

Amount of Cases settled during the

quarter

Number of Pending Cases at the close

of the Quarter

Amount of Pending Cases at the clase of

the Quarter

Recovery Under BAKIJAI cases of Mizoram in the FY2016-2017 as on date 30-09-2016(Rs In Lakhs)

Public Total 1124 1353.98 1 0.79 8 7.8 1103 1325.29

Private Total 0 0 0 0 0 0 0 0

RRB Total 132 34.16 0 0 48 7.12 84 27.04

Co-op Total 159 339.94 0 0 0 0 159 339.94Grand Total 1415 1728.08 1 0.79 56 14.92 1346 1692.27

Total 437 597.65 0 0 11 50.7 294 508.9

1 BOB 0 0 0 0 0 0 0 02 BOI 0 0 0 0 0 0 0 03 BOM 14 125.98 0 0 0 0 15 129.30

3 BOM 14 125.98 0 0 0 0 15 129.304 CAN 0 0 0 0 0 0 0 05 CBI 0 0 0 0 0 0 0 06 IDBI 0 0 0 0 0 0 0 07 IOB* 0 0 0 0 0 0 0 08 PNB 0 0 0 0 0 0 0 09 PSB 0 0 0 0 0 0 0 0

10 SBI 1077 1184.14 0 0 8 7.80 1069 1176.3411 SYN 0 0 0 0 0 0 0 012 UBI 18 18.86 0 0 0 0 18 18.8613 UCO 0 0 0 0 0 0 0 014 UNI 0 0 1 0.79 0 0 1 0.7915 VJB 15 25.00 0 0 0 0 0 0

15 VJB 15 25.00 0 0 0 0 0 0

1 AXIS 0 0 0 0 0 0 0 02 BANDHAN 0 0 0 0 0 0 0 03 FED 0 0 0 0 0 0 0 04 HDFC 0 0 0 0 0 0 0 05 ICICI 0 0 0 0 0 0 0 06 INDUSIND* 0 0 0 0 0 0 0 07 SIB* 0 0 0 0 0 0 0 08 YES 0 0 0 0 0 0 0 0

1 MZRB 132 34.16 0 0 48 7.12 84 27.04

1 MCAB 82 205.41 0 0 0 0 82 205.412 MUCO 77 134.53 0 0 0 0 77 134.53

Last Quarter Data

Sl No.Bank Name

Agri AC No

Agriculture & Allied Activities

MSME AC No

MSMEOther Priority Sector AC No

Other Priority Sector

Total Priority AC No

Priority - Sub Total

Non Priority

Total AC No

Total Amount

Annual Credit Plan - Achievements of Mizoram in the FY2016-2017 as on date 30-09-2016(Amt in lakhs)

Public Total 2367 1833.64 590 3884.54 1335 10691.03 4292 16518.70 13615.26 4292 30132.96

Private Total 1094 491.47 330 987.13 0 0 1424 1478.60 4661.34 1424 6139.94

RRBs Total 1561 759.00 332 1312.00 4345 7203.00 6238 9274.00 5196.00 6238 14469.00

Co-op Total 247 507.00 137 224.00 435 2406.00 819 3137.00 1817.00 819 4954.005269 3591.11 1389 6407.67 6115 20300.03 12773 30408.30 25289.60 12773 55695.90All Banks - Total

1 BOB 0 10.00 0 35.00 0 25.00 0 70.00 50.00 0 120.002 BOI 0 36.00 0 1154.00 0 0 0 1190.00 158.00 0 1348.003 BOM 0 0 0 23.14 0 356.17 0 379.31 57.30 0 436.614 CAN 20 10.00 45 142.00 0 0 65 152.00 27.00 65 179.00

4 CAN 20 10.00 45 142.00 0 0 65 152.00 27.00 65 179.005 CBI 380 262.00 79 474.00 202 771.00 661 1507.00 90.00 661 1597.006 IDBI 0 0 0 0 0 0 0 0 0 0 0.007 IOB 0 2.64 0 90.40 0 92.37 0 293.90 47.06 0 340.968 PNB 0 0 19 36.00 14 23.00 33 59.00 35.00 33 94.009 PSB 0 0 0 0 0 0 0 0 3.30 0 3.30

10 SBI 1874 1319.00 13 171.00 943 7224.00 2830 8714.00 11915.00 2830 20629.0011 SYN 0 11.00 0 89.00 0 139.00 0 239.00 13.60 0 252.6012 UBI 73 61.00 417 1320.00 96 1289.00 586 2671.00 842.00 586 3512.0013 UCO 16 40.00 17 275.00 29 140.00 62 455.00 0 62 455.0014 UNI 0 12.00 0 75.00 0 0 0 87.00 302.00 0 389.0015 VJB 4 70.00 0 0 51 631.49 55 701.49 75.00 55 776.49

15 VJB 4 70.00 0 0 51 631.49 55 701.49 75.00 55 776.49

1 AXIS 2 90.07 8 692.91 0 0 10 782.98 3691.83 10 4474.812 BANDHA 1091 315 310 120 0 0 1401 435.00 66.00 1401 501.003 FED 0 0.9 0 89.14 0 0 0 90.04 50.00 0 140.044 HDFC 1 42.75 12 75.08 0 0 13 117.83 736.81 13 854.645 ICICI 0 42.75 0 0 0 0 0 42.75 0 0 42.756 INDUS 0 0 0 0 0 0 0 0 0 0 07 SIB 0 0 0 10 0 0 0 10.00 116.70 0 126.708 YES 0 0 0 0 0 0 0 0 0 0 0

1 MZRB 1561 759.00 332 1312.00 4345 7203.00 6238 9274.00 5196.00 6238 14469.00

1 MZRB 1561 759.00 332 1312.00 4345 7203.00 6238 9274.00 5196.00 6238 14469.00

1 MCAB 177 507.00 116 224.00 371 2406.00 664 3137.00 1748.00 664 4885.002 MUCO 70 0 21 0 64 0 155 0 69.00 155 69.00

MINUTES OF THE SLBC MEETING AT AIZAWL ON 10/01/2017 Page 1

Minutes of theState Level Bankers’ Committee (SLBC) Meeting of Mizoram For the quarter ended September 2016

The SLBC meeting of Mizoram for the quarter ended September, 2016 washeld at the Conference Hall of New Secretariat, Aizawl on 10.01.2017 at 11 A.M. under the Chairmanship of Shri. Lalmalsawma, IAS, Chief Secretary, Govt. of Mizoram. Shri Dibyendu Chaudhuri, Regional Manager, SBI and Convener SLBC welcomed the Chairman, other dignitaries i.e. Madam L.N. Tochhawng, Finance Commissioner, Pu Lalropara, Secretary Finance Department, Pu C. Lalhmachhuana, Secretary, ICT Department and all Government officials. He also welcomed Madam Mary L. Deng, GM, RBI, Shri D.K. Mishra, GM NABARD, Shri Sheo Sankar Singh, DGM& Circle Head, United Bank of India, Shri Lalzuahliana, CEO, MCAB, other Bankers and all participants in the meeting. He shared with the house with regret that the SLBC meeting for September 2016 quarter could not be held on time due to recent demonetization of the existing currency notes of Rs.500/- & Rs.1000/- denominations and the activities following the notification and hope that the next SLBC will be held on time as per schedule. He also said that still some of the banks are not providing the data in time that’s why the Chief Manager (Lead Bank) was unable to prepare fully error free background paper and request all bankers to upload an error free data within the stipulated time in future. He also told the house that on the backdrop of the demonetization a daily report has to be submitted by all banks which are collated and reported to Department of Financial Services, Government of India and request all banks to submit the daily report correctly and in time.He then proposed to have self-introduction of members who attended the meeting(List of the participants are shown at Annexure‘A’). After that he requested the Chief Secretary for hisopening remarks. The Chief Secretary told the house that there were hectic activities going on due to demonetization. He hopedthat the situation has been stabilized by now. He said that the queues at bank branches have become shorter. He also expressed his gratefulness to the bankers for going out of their way to solve the problems face by the customers. He opined that the problems faced by rural people were of greater magnitude as banking facilities are almost not there at their places. He said that it is going to come up during the course of discussion that there is a specific request from the Deputy Commissioner, Aizawl for the opening of MRB Branch at Sakawrdai which has also been discussed on various State Level meetings but has not been achieved in reality. The justifications given by the DC Aizawl are that:

(i) Sakawrdai is centrally located and is the biggest sub-town of the area and is a civil sub-divisional headquarter.

(ii) SBI Darlawn and Mizoram Rural bank, Ratu are too far from Sakawrdai at a distance of 46 kms and 26 kms respectively and irregular conveyance is a problem every time.

(iii) All Govt. schemes require beneficiaries to open accounts in bank, e.g. NLUP, MGNREGS etc.

(iv) There are more than 100 government servants and several pensioners drawing salaries/pension at Sakawrdai who will directly benefit from the bank.

(v) 35 SHGs require Banks for their functioning. (vi) It is the Headquarter of Sinlung Hills Development Council with 11 department and 13

educational institutions in the locality. (vii) All villages around are connected to Sakawrdai with fairly decent road connectivity.


He also told the house that regular timely flow of data is very critical purpose of this meeting. He reiterated the request of SLBC Convenor that all the participating banks should send the data in a timely manner. Thereafter he requested the SLBC Convener to go ahead with the formal agenda. Shri Dibyendu Chaudhuri, Regional Manager, SBI and Convener SLBC thanks the chairman for his opening remarks then proceeded with the agenda items. Agenda – 1: Adoption of minutes:

The Convener SLBC told the house that the minutes of State Level Bankers' Committee meeting for the quarter ended June 2016 held on 29/08/2016 was circulated to all members. Since norequest for amendmentof the minutes was received, the house adopted the minutes. Agenda-2:Review of GOI instructions regarding financial inclusion:

a) Implementation of Atal Pension Yojana (APY): The Pension Fund Regulator & Development Authority, Government of India vide letter D.O. No. PFRDA/3/APY/109 dated 27th May, 2016 has requested the state government for active engagement in the implementation of APY scheme. They have requested the state government of similar action as was done by some of the states in the country like Andhra Pradesh & Himachal Pradesh who have issued notification that the state government will bear 50% the co-contribution of the construction workers, MGNREGA workers, Agricultural & Horticultural labourers, shop workers, Anganwadi workers, mid-day meal workers, any other unorganized sector workers, economically weaker sections of the society. Since no one was present from the Labour Department, the chairman told to the

convener to include the Labour Department in the next meeting. The Finance Department GOM told the house that they will have to work out the financial implication on the matter.

Action: Finance Department and Labour Department

b) Special Drive for Financial Inclusion initiatives from 15th September 2016 to 31st October 2016

The Government of India, Ministry of Finance, Department of Financial Services, New Delhi vide letter F. No. 21( 23 )/2014-FI (MISSION) dated 8th September, 2016 has instructed all banks to observe a Special drive in respect of Government’s initiatives towards financial inclusion from 15th September 2016 to 31st October 2016including Pradhan Mantri Mudra Yojana (PMMY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY) and Stand Up India (SUI) to intensify efforts to accelerate the momentum already achieved so that benefits as envisaged are realized. As instructed by the Government of India a Special State Level Bankers Committee meeting was held on 30.09.2016 wherein necessary actions to be taken were formulated. A two track strategy was proposed to be adopted. Accordingly 3 events were organized by LDMs in each district of the state focusing on the Aadhaar and mobile seeding of bank accounts, RuPay card/PIN distribution and activation, Increasing awareness about consumer induced transaction under the RuPay Insurance Program 2016-17, Grievance redressal, Counseling and sensitization of BCs/Bank Mitras and increasing awareness on the 6 schemes of the Department viz. PMJDY, PMJJBY, PMSBY, PMMY, SUI and APY. The house was told that out of less than 11.00 lakh population of the state there are

more than 9.00 lakh Savings Bank account opened in the state which is almost 100%.


c) Withdrawal of Legal Tender Character of existing Rs.500/- and Rs.1000/- Bank Notes and Implementation

In terms of the Government of India, Ministry of Finance (Department of Economic Affairs), New Delhi Gazette Notification No. 2652 dated 8th November, 2016, Rs.500 and Rs.1000 denominations of Bank Notes of the existing series issued by Reserve Bank of India (hereinafter referred to as Specified Bank Notes) ceased to be legal tender with effect from November 09, 2016, to the extent specified in the Notification. A new series of Bank Notes called Mahatma Gandhi (New) Series having different size and design, highlighting the cultural heritage and scientific achievements of the country, has been issued. Bank branches are designated as the primary agencies through which the members of public and other entities will be exchanging the Specified Bank Notes for Bank Notes in other valid denominations or depositing the Specified Bank Notes for crediting to their accounts, upto and including the December 30, 2016. Accordingly, banks have accorded highest priority to this work. RBI is monitoring and supervising the availability and supply of currency notes to various banks in the state consequent upon the demonetization of Specified Bank Notes. That period is over and the challenge is successfully passed through. The focus now is

supply enough currency to the banks. The chairman enquired whether we are comfortable with the availability now? The Representative of SBI Aizawl Branch (Chest branch) told that the position is comfortable at present but out of Rs.375.00 crores received recently more than 86% were of Rs.2000/- denomination note. The replenishment of notes is good enough in terms of volume but piling up of Rs.2000/- note is a mojor problem. Shops cannot accept Rs.2000/- note because there is no change. Therefore, more Rs.500/- note is required. The house has been told that all ATMs have been recalibrated.

d) Financial Inclusion – Opening of accounts on Mission mode: Consequent upon the demonetization of Rs.500 and Rs.1000 denominations of Bank Notes the Department of Financial Services vide Video Conference dated 22.11.2016 had instructed all SLBCs of the country to increase efforts for more Aadhaar & mobile seeding to accounts and opening of PMJDY accounts banks in the state and also had started daily report to the SLBC on the total number of operative individual SB accounts, of which seeded with Aadhaar & mobile; total number of PMJDY accounts, of which Aadhaar and mobile seeded; total number of MGNREGA consent form received, of which Aadhaar seeded; total number of RuPay cards and number of BC deployed and active. The consolidated data of the state was uploaded to the PMJDY Mission site of Government of India.

In addition to the above, so as to facilitate financial inclusion of workers and to ensure timely payment of their wages, the Department of Financial Services vide letter D.O. No. 21(23).2014-FI (Mission) dated 25.11.2016 has instructed the SLBCs to conduct a special campaign on a mission mode to open bank accounts for workers of the organized and unorganized sectors who do not have any bank account as of now emphasizing capture of Aadhaar and mobile numbers at the time of opening the account wherever possible. The special account opening camps were conducted at Aizawl in consultation with the Labour Department, Government of Mizoram and the deputy Commissioner, Aizawl district on 30.11.2016. The special account opening camps were conducted also atall district headquarters as well. The Department of Financial Services vide letter D.O. No. 12(17)2016-FI dated 08.12.2016 has also instructed the SLBCs to conduct a special campaign to open bank accounts in various textile clusters. The Account opening camp in textile cluster was conducted at Thenzawl, Mizoram on 13th December 2016. In addition to the above collaboration with some public sector undertaking, account opening camps were also held at various centers.


The GM, NABARD told that they will provide a subsidy for 2 lakh Nos. of POS all over the country at the rate of Rs.6000/- per machine and 25000 POS machines per bank for installation at villages with population less than 10000. Banks should place indent for the same and claim reimbursement.

GM, NABARD informed the house thatNABARD will also reimburse commission to merchants on Aadhaar card based transactions through POS a merchant Discount rate (MDR) up to 1.50% or Rs.10/- per transaction which will be available up to 31.03.2017 on pilot basis. Thereafter, they will take a call.

The GM, NABARD also told that Financial Literacy Awareness Programmes (FLAPs) have been renamed as Digital Financial Literacy Awareness Programmes (dFLAPs. Therefore, all the remaining FLAPs of banks have to be conducted as dFLAPs,

Agenda-3: Follow up action on the decision of SLBC meeting:

Achievement of Government Sponsored Schemes target for FY 2016-17:

a) Credit target and achievement of PMEGP: The house was told that the Revised Margin Money allocated for the State for the FY 2016-17 is Rs.1253.49 lakhs.The target has since been fixed and sent to all banks. No new loan and Margin Money utilized has been reported during the period under review as no application has been forwarded to banks so far. The loan applications have since been forwarded to all banks. The State Director of KVIC Smt. Rualkhumi told that since there is only three months remaining for implementation and as the speed of loan sanction is very slow it may not be possible to achieve the target. She told that in terms of the Directorate of PMEGP, KVIC, New Delhi’s Circular No. PMEP/Policy/2 016- 17 dated 01.12.2016 wherein it was mentioned that in order to expedite the disbursement of margin money subsidy it has been decided to relax the condition of conducting EDP training before release of loan in respect of North Eastern Region states as they are lagging in their performance against the targets and there is large pendency of margin money claims for disbursement because of non-completion of EDP training. It was also mentioned in the letter that online EDP training has been allowed where EDP is delayed due to unavailability of full batch of 10-20 EDP persons for EDP training. The online EDP training will be conducted through KVIC website for which separate guidelines are being issued. After threadbare discussion it was decided that all banks including Yes Bank shouldsanction loan quickly to achieve the targeted Margin Money during the year.

Action: All Banks

b.Credit target and achievement of SHG for 2016-17 under NRLM:

The annual target for financing of SHGs under NRLM and achievement under different nodal agencies are as under:

(i) Credit target Under NERLP:

Out of 326 target of SHGs to be financed during the year,33 loans amounting to Rs.27.30 lakh have been sanctioned up to September, 2016.

MIZORAM Bank Target Achievement

MRB 300 33 SBI 23 0 CANARA 2 0 MCAB 1 0 TOTAL 326 33


(ii) Credit target Under MZSRLM:

The house was told that 18 loans sourced by MzSRLM amounting to Rs.13.54 lakhs have been sanctioned up to September, 2016.

MIZORAM Bank Target No Achievement

New Renewal Total New Renewal Total MRB 90 18 108 18 0 18 SBI 6 0 6 0 0 0 MCAB 4 0 4 0 0 0

TOTAL 100 18 118 18 0 18 Since the achievement level is very low it was decided that the concerned banks should sanction loans to achieve the target. The representatives of SBI told that the concerned SHGs, whose loan applications were forwarded to SBI Khumtung branch, have not yet visited the branch. Bankers are instructed to call on the SHGs in this regard.

Action: MCAB/MRB/SBI c. Credit target and achievement under NULM for 2016-17: i) Bank Wise target and achievement under Self Employment Program (SEP)

Sl No Name of Bank

Target Achievement I G SHG-BL* I G SHG-BL Total

1 SBI 82 23 0 36 1 2 39 2 UCO 0 0 0 0 0 0 0 3 Vijaya 2 2 0 7 0 0 7 4 UBI 8 0 0 0 0 0 0 5 AXIS 3 1 0 0 0 0 0 6 IDBI 12 2 0 0 0 0 0 7 SYN 5 0 0 3 0 0 3 8 CBI 2 0 0 7 0 0 7 9 PNB 2 0 0 6 0 0 6 10 BOB 0 0 0 0 0 0 0 11 ICICI 0 0 0 0 0 0 0 12 HDFC 3 1 0 0 0 0 0 13 BOI 0 0 0 0 0 0 0 14 FED 0 0 0 0 0 0 0 15 INDUS 3 1 0 0 0 0 0 16 CANARA 15 3 0 2 0 1 3 17 BOM 2 0 0 0 0 0 0 18 YES 0 0 0 0 0 0 0 19 MRB 150 46 0 87 25 17 129 20 MCAB 61 21 0 50 4 5 59 TOTAL 350 100 *300 198 30 25 253

*No target was given initially to individual banks but loan applications of SHGs were forwarded to banks where they maintain Account. Target has since been given under SHG BL also.


As some of the public sector and private sector banks viz. UBI, IDBI, Axis bank, HDFC Bank & Canara bank have not yet sanction loan under the scheme. The house decided that all concerned banks should sanction loans to achieve the target.

Action: All Banks ii) District-wise loan disbursed and subsidy released Sl No

Name of District

Loans sanctioned & Disbursed Subsidy released Amount in lakhs I G SHG-BL Total I G SHG-BL Total

1 Aizawl 28.20 26.00 3.00 57.20 1.61 5.62 0 7.23 2 Champhai 17.77 1.80 9.70 29.27 0.23 0.06 0.44 0.73 3 Kolasib 9.20 0 0 9.20 0.08 0 0 0.08 4 Lawngtlai 13.95 18.75 5.50 38.20 0 0 0 0 5 Lunglei 19.00 0 0 19.00 0 0 0 0 6 Mamit 16.80 0 0 16.80 0 0 0 0 7 Saiha 17.50 0 0 17.50 0.07 0 0 0.07 8 Serchhip 23.00 1.00 3.57 27.57 3.57 0 0 3.57 Grand Total 145.42 47.55 21.77 214.74 1.99 5.68 0.11 11.68

The representatives of NULM (UD&PA) reiterated that Banks should claim Interest Subsidy under SEP from the UD&PA Department. The house requested Banks to submit claim to the UD&PA Department immediately.

Action: All Banks Agenda – 4: Development in Banking Operation (CD Ratio) as on 30.09.2016: The CD Ratio of banks in the state as on 30.09.2016 is 39.81%. Details of QOQ CD ratio is as under.

Rs. In lakh Financial year 2016-17 Deposit Advance CD Ratio September 2016 727288.17 289567.16 39.81% June 2016 649470.92 285407.75 43.94% Financial year 2015-16 Deposit Advance CD Ratio March 2016 642318.55 283861.04 44.19% December 2015 581688.10 276507.30 47.54% September 2015 597659.11 264125.86 44.19% The house was told that there has been a decrease of 5% in CD Ratio to 39.81% for the quarter under review from that of 43.94% in the last quarter.


District- wise CD ratio for September 2016 quarter: Rs.in lakh

District Deposit Advance CD Ratio of

Sept. 2016

CD Ratio of

June 2016

CD Ratio of March 2016

CD Ratio of

Dec 2015

CD Ratio of

Sept. 2015

AIZAWL 567326.98 180639.14 31.84% 35.90% 39.90% 37.00% 36.27% LUNGLEI 53084.00 29880.00 56.29% 62.06% 62.83% 63.03% 63.82% KOLASIB 23284.00 10975.00 47.14% 44.82% 44.55% 45.89% 44.59% MAMIT 13630.00 6988.00 51.27% 49.99% 52.34% 49.65% 51.80% LAWNGTLAI 16122.00 21241.00 131.75% 126.30% 145.45% 135.69% 154.57% SAIHA 12622.00 13606.00 107.79% 116.73% 128.10% 98.53% 114.13% CHAMPAI 25000.00 16929.00 67.72% 65.25% 71.54% 62.91% 69.35% SERCHHIP 16219.19 9309.02 57.25% 54.53% 53.30% 50.26% 56.76% Total 727288.17 289567.16 39.81% 44.96% 47.54% 44.19% 44.50%

The year on year CD Ratio is having a negative growth of 9.69% List of Banks whose CD ratio is less than 20%: Rs. In lakh

Sl No.

Bank Name

Deposit Amount

Advances Amount

CD Ratio Sept 2016

quarter

CD Ratio June 2016

quarter

CD Ratio March 2016

quarter

CD Ratio Dec 2015

quarter

CD Ratio Sept 2015

quarter 1 YES 2645.00 3.00 0.05% 0.11% 0.11% 0.22% 0 % 2 ICICI 3679.00 130.06 3.36% 1.40% 3.54% 1.69% 1.58% 3 FED 1653.29 93.80 12.98% 12.54% 5.67% 7.20% 7.03% 4 SIB* 1409.26 173.60 16.45% 16.45% 12.32% 10.05% 12.43% 5 AXIS 28827.89 4843.89 4.15% 14.84% 16.80% 16.57% 12.65%

The low CD Ratio banks assured the house that their CD Ratio will improve by March, 2017.

Action: Axis Bank, ICICI Bank, Federal Bank, South Indian bank & Yes Bank

The Chief Manager (Lead Bank) Aizawl told the house that some banks do not upload their data as on 30.09.2016 as such their data as on 30.06.2019 were repeated in these data. The house took this seriously and requests all banks to ensure that their data is uploaded in the SLBC portal well on time.

Action:All Banks

Priority Sector Advances as on 30.09.2016: Rs. In lakh

Total Advances Priority sector advances percentage 289567.16 178670.30 61.70%

The Priority Sector Advances are well above the required bench mark of 40%. However there is a negative growth of Rs.464.16 lakh during September, 2015 over June 2016.


Agenda – 5: Agricultural Advances as on 30.09.2016 a) Total Agricultural Advances

The agricultural advance of the state as on 30.09.2016 is 11.33% which is below the required bench mark of 18%. There is a negative growth of Rs.928.90 lakh during September, 2015 over June 2016.

Rs. in lakh Total advance Total AGL Advance Percentage Bench Mark

289567.16 32818.50 11.33% 18% b) Flow of Credit to Agriculture, New Agl. loans sanctioned upto the quarter: Crop Loans 1965.44 Term Loans 16.00 Total 1981.44 New KCC issued 1455 Cumulative position of KCC 60617

It was pointed out that the crop loan figures of Axis bank and HDFC Bank are very high whereas there are only 2 and 3 loan accounts respectively. The concerned banks are requested to verify the data and report in the next meeting.

Action:Axis Bank & HDFC Bank c) Pradhan Matri Fasal Bima Yojaja (PMFBY)

The house was told that all crop loans are to be covered under the insurance scheme of PMFBY which was launched on 18.02.2016. Since no notification of crops for covering under insurance has been issued in this regard, bankers are liable for compensation if any situation arises. The Government of Mizoram has constituted a State Level Coordination Committee under the scheme.

The Director of Agriculture (Crop Husbandry) told the house that State Level Coordination Committee meeting will be held on 23.01.2017 to identify crops for insurance etc. which will be followed up by inviting insurance company to bid insurance. The chairman told the Agriculture department to identify crops carefully.

Action:Director of Agriculture (CH)

Agenda – 6: Review of Performance under of Annual Credit Plan (ACP) The position of achievement of ACP as on 30.09.2016 is 45.33% of the target: Total of ACP Particulars As on September of FY 15-16 As on September of FY 16-17 Target 91671.00 110338.73 Achievement 48464.27 50019.38 Percentage 52.86% 45.33% The YoY achievement of target was less than last year. The district-wise achievements are shown below:


B

r no

Name of District

Total Priority Sector Non Priority Sector Target for 2016-17

Achiv 2016-17 % Target for

2016-17 Achiv

2016-17 %

88 Aizawl 50541.00 18278.86 36.17 30700.00 12710.48 41.40 13 Serchhip 2315.00 1521.58 65.73 890.00 454.48 51.07 20 Champhai 4290.00 2199.54 51.27 2105.00 684.81 32.53 16 Kolasib 4168.31 1565.99 37.57 764.00 584.94 76.56 10 Mamit 2901.42 967.58 33.35 970.00 303.84 31.32 21 Lunglei 3170.00 4154.10 131.04 1020.00 2770.72 271.64

11 Lawngtlai 2518.00 666.66 26.48 600.00 1164.64 194.11 7 Saiha 2586.00 743.32 28.74 800.00 1247.84 155.98

186 TOTAL 72489.73 30097.63 41.52 37849.00 19921.75 52.63 Summary Segment Wise: Rs. In Lakh Segment Target Achieved percentage Agriculture 14888.83 4148.55 27.86% Crop Loan* 6156.00 2715.65 44.11% MSE 13343.64 8431.76 63.19% Services 44257.26 17517.32 39.58% Priority Total 72489.73 30097.63 41.52% Non priority 37849.00 19921.75 52.63% Total 110338.73 50019.38 45.33% * (Included in Agriculture) Agenda - 7: Appointment of Business Correspondents (BCs): The house was told that besides the existing BCs engaged by banks, efforts has been made to appoint one more BC by each bank from among the villages allotted to them under SSA of PMJDY. Among the banks Axis Bank, Canara Bank, IDBI Bank, IndusInd bank have not yet identified candidate for BC. They are instructed to identify a village and candidate for BC within January 2017. The house was also told that se banks can appoint any of SHG leaders as BC. The representative of MzRLM also told that banks can appoint Bank Mitras of their mission who are currently deployed at various bank branches to help bank customers. The Secretary, ICT Department also offered to banks for appointing BCs from members of Rural Information Kiosk (RIK) VLEs who are available all over the state if monthly rent for V-sat was borne by the banks.

Action:Axis Bank, Canara Bank, IDBI Bank &IndusInd Bank


Agenda -8: Opening of New Bank Branches.

The house was told that the following new branches of banks have been opened during the current year so far:

1) State Bank of India: (i) Chaltlang Branch, Aizawl (ii) SBI In Touch Branch, Chanmari, Aizawl

2) Mizoram Rural Bank: (i) Phullen Branch, Aizawl District (ii) Mission Vengthlang Branch, Aizawl (iii) Khawlailung Branch, Serchhip District

3) United Bank of India: (i) Lawngtlai Branch, Lawngtlai District

4) Bandhan Bank Ltd. : (i) Aizawl Branch, Aizawl

Pending Requests for opening of branch at other centers: (i) Bukpui village: The Young Mizo Association (YMA), TuirialHydel Group and Young Mizo Association (YMA), Bukpui Branch request for opening of Mizoram Rural Bank Branch at Bukpui village and the request has been forwarded by the Finance Department, Govt. of Mizoram. (ii) The Deputy Commissioner, Mamit District has requested for opening of bank branches at the following villages inMamit District and the request has been forwarded by the Finance Department, Govt. of Mizoram.: (a) State Bank of India at Tuipuibari village (SSA of MRB) & Phuldungsei village (b) Mizoram Co-op. Apex Bank at N. Kanghmun village (c)Mizoram Rural Bank at Kawrtethawveng village & Rajivnagar village (SSA of SBI) (iii) West Phaileng village: The Young Mizo Association (YMA), Dampa Group has requested opening a branch of State Bank of India at West Phaileng, Mamit District and the request has been forwarded by the Finance Department, Govt. of Mizoram. (iv) Longpuighat village: The Deputy Commissioner, Saiha District has submitted arequest for opening of a branch of State Bank of India at Longpuighat village, Lawngtlai district.

(v) Sakawrdai village: The President, Village Council/Court, Sakawrdai has requested for opening a Branch of either MRB or SBI at Sakawrdai and the request has been forwarded by the Finance Department, Govt. of Mizoram. Sakawrdai is having a population of 2505 and it falls under SSA of Vijaya Bank. The Dy. Commissioner, Alzaw also recently wrote a letter to the Chief Secretary for opening of MRB atSakawrdai. After discussion at length the authorities of the concerned banks told that there is no more budget for opening of bank branches for the year and they will look into the matter for the budget of next Financial Year 2017-18.

Action:MRB, MCAB & SBI The house was also told that the following banks branches will be opened shortly:

1) Mizoram Rural Bank: (i) Baktawng Branch, Serchhip District (already online)

(ii) Bethlehem Vengthlang Branch, Aizawl, Aizawl District (already online)

(iii) Sesawng Branch, Aizawl District (already online)


2) Mizoram Cooperative Apex Bank Ltd.: (i) Zobawk Branch, Lunglei District

(ii) Khawzawl Branch, Champhai District

3) United Bank of India: (i) Champhai Branch, Champhai District Security related issues on banking: The representative of DGP, Mizoram told that there is no problem with security banks throughout the state. He also told that security Sakawrdai village is also conducivefor opening of a new branch and no threat perception in and around Sakawrdai and are optimistic about the peaceful settlement of the ongoing negotiation with HPC(D). Agenda – 9: Roadmap for providing banking services in every village having population below 2000 The Progress of Roadmap for providing banking services in every village having population below 2000 as on 30.09.2016 is as under: No. of alloted villages

Out of Roadmap prepared for less than 2000, No. of villages where banking outlet opened upto the end of the reporting Quarter*

Branches BC Fixed

Location Visits every Week

Visits once in a fortnight

Visits more than once

in a fortnight

BCs- Sub total

= 6+7+8+9

Other modes

Grand Total =

5+10+11

700 20 200 43 84 2 329 10 359 Agenda – 10: Support from NABARD’s FIF to banks for setting up of solar powered V-

SAT Connectivity to kiosk/Fixed CSP in SSAs allotted to banks: The house was informed that NABARD has sanctioned grant assistance to 9 SSAs as shown below: Sr. No.

Name of Bank Total No. of SSAs Sanctioned

Amount sanctioned (Rs. In lakhs)

Remarks

1 UCO Bank 4 16.00 CAPEX Model 2 Syndicate Bank 3 12.00 CAPEX Model 3 State Bank of India 2 3.60 OPEX Model TOTAL 9 31.60

The beneficiary banks told the house that implementation of the sanctioned amount is in progress. Agenda – 11: Financial Literacy Campaign/Financial Literacy Centres Report up to

September, 2016 The house was informed that out of 73 rural branches of banks as many as 17 branches have conducted 39 Financial Literacy Camps during the quarter. Besides the above as many as 24 Special Financial Literacy Camps/Town Hall Meetings were conducted by Financial Literacy Centres (LDMs).


Agenda–12: Credit Linkage to Pradhan Mantri Gramin Awas Yojana (PMAY-G) and Pradhan Mantri Awaj Yojana (Housing for all – Urban) No loan sanctioned has been reported up to the quarter. The representative of UD&PA department told that selection of beneficiaries had been done but loan applications were returned by banks may be because of stipulation in the scheme that preference should be given to woman head of the family. He said the state government has since obtained clarification for the Government of India, Ministry of Housing & Urban Development that loan can be availed by all heads family under the scheme irrespective of gender. When asked whether any circular has been issued in this regard. He told that an additional clarification has been issued by the Ministry of Housing and Urban Poverty Alleviation which says - “As per point 2.5 the house constructed by availing loan under this scheme should be in the name of female head of the household or in the joint name of the male head of the household. But in point 5.8, it is mentioned that preference under the scheme is for women, persons belonging to SC/ST/OBC, Minorities, persons with disabilities and transgender. Please let us know if we can lend loan under this scheme irrespective of the gender, caste, community. The reply given by the Ministry was – Yes”.

(A copy of the clarification has since been sent to all banks operating in Mizoram)

The representative of Rural Development Department also told that they are yet to complete identification of beneficiary under Pradhan Mantri Gramin Awas Yojana (PMAY-G) and loan applications will be submitted to banks soon.

After detailed discussion the committee decided that banks should sanction loan to the beneficiaries as soon as possible so that the target for the financial year could be achieved.

Action:All Banks Agenda – 13: RSETI

The Director, SBI-RSETI, Aizawl told the house that permission for construction of RSETI building was almost ready at AMC and will be obtained in a day or two. He said that on getting the approval he will follow up the matter with SBI, LHO, Guwahati for appointment of contractor. He told that the RSETI will be constructed at IGC, Luangmual for which land has been allotted.

Action: Director, SBI-RSETI

Agenda – 14: Social Security Schemes

The convener gave the status of Social security Schemes under PMJDY i.e. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY) and loans under Pradhan Mantri Mudra Yojana (PMMY) in respect of the state is as under:

a) Insurance Schemes State PMJJBY PMSBY APY PMJDY Account Nos

TOTAL 81543 49564 1294 387575

b) MUDRA Loans (Bank-wise details shown in the Annexure) PMMY (SISHU) PMMY (KISHORE) PMMY (TARUN) PMMY TOTAL Nos. Amt.* Nos. Amt. Nos. Amt. Nos. Amt. 2717 1348.33 1628 2610.11 267 603.68 4612 3899.81

*(The figure relating to SBI which was placed to the huse has since been corrected.)


Agenda – 15: Aadhaar enrolment & Aadhaar Seeding etc.

As per the Government of India instructions, all payments of direct benefits are to be routed through an Aadhaar seeded Bank accounts only. In Mizoram, Aadhaar enrolment is in progress and seeding of Aadhaar number into the account is very slow. Meanwhile, there are complaints that Aadhaar consent form for seeding of Aadhaar number with the account has not been accepted by some bank branches. The reason being put forward for not being accepted by bank branches was non receipt of instruction from controlling offices. The committee requested controlling authorities of banks to instruct their branches to accept the Aadhaar consent letter.

Action: Controllers of all Banks

Agenda – 16: Recovery under Bakijai cases The house was told that as many as 56 cases amounting to Rs.14.92 Lakhs were settled under Bakijai cases during the quarter and there are 1346 pending cases at the end of the quarter. The house opined that settlement cases are a bit less. Agenda – 17: Allocation of bank-wise target of PMAY(Urban): In terms of the Minute No. 2(f) of the minutes of the SLBC meeting dated 29.08.2016 the UD&PA Department is entrusted to do the allocation bank-wise target under PMAY(Urban). The department has since prepared allocation of bank-wise target of PMAY and laid for the house for approval. The bank-wise target prepared by the department was read out by the chairman and the house gave approval to the same. It will be distributed to banks for immediate follow up.(Since distributed to banks) Misc: (a) The meeting resolved that the Agenda papers of the meeting to be

distributed one week ahead of the meeting next time.

(b) The meeting was also told that the Secretary Labour Department to be invited in the next meeting.

(c) The meeting decided to ask Federal Bank and IndusInd Bank the reason for not attending SLBC.

Action: Federal Bank / IndusInd Bank

The meeting ended with a vote of thanks from Shri Ralte Ralkhuma, Chief Manager (Lead Bank), Aizawl.


ANNEXURE 'A'

LIST OF PARTICIPANTS IN SLBC MEETING FOR THE QUARTER ENDED SEPTEMBER 2016 HELD AT AIZAWL ON 10.01.2017

SNO NAME DESIGNATION DEPARTMENT/ ADDRESS MOBILE NO. EMAIL ADDRESS 1 ShriLalmalsawma, IAS Chief Secretary Govt. of Mizoram, Aizawl

2 ShriDibyenduChaudhuri, Regional Manager SBI, RBO, Aizawl 7896000817 [email protected]

3 ShriRalteRalkhuma Chief Manager(LB) LBO, Aizawl 9436141434 [email protected]

4 Shri C Lalhmachhuana Secretary, ICT Dept. Govt. of Mizoram, Aizawl 9436140140 [email protected] 5 ShriGolapBasumatary General Manager Mz Rural Bank, HO. Aizawl 8811060197 [email protected] 6 ShriLalzuahliana CEO, MCAB MCAB, HO, Aizawl 9862963950 [email protected]

7 ShriShio Shankar singh Dy. General Manager UBI, Zonal Office, Guwahati 9435359172 [email protected] 8 ShriHirendra Narayan Ghosal Chief Regional Manager UBI, Cachar Region, Silchar 9435071666 [email protected]

9 Shri Ashok deb Sr Manager United Bank of India, Aizawl 9435074479 [email protected]

10 ShriLalhmangaiha Dy. Director Fisheries Department 8974109155 [email protected]

11 Dr. Lalnunthara Dy. Director Social Welfare Deptt. 9436143188 [email protected]

12 Smt. Rualkhumi State Director KVIC, State office, Aizawl 9436140309 [email protected] 13 ShriLalrohlunaPakhuangte Branch Manager Central Bank of India, Aizawl 9485140854 [email protected]

14 Shri C Rohuapa Manager Vijaya Bank, Aizawl 9436961298 15 ShriPiyush Kr Gupta Chief Manager Vijaya Bank, Aizawl 9015847461 [email protected]

16 ShriJerinOommen Asst. Manager South Indian Bank, Aizawl 8259809980 [email protected]

17 ShriLalmuankimaVarte Branch Manager HDFC Bank, Chanmari Branch 8794743157 [email protected] 18 Shri David Ramdinmawia RM-RIG HDFC Bank, Aizawl Branch 9862386654 [email protected]

19 ShriSanjeev Kumar Das EO to CE Minor Irrigation Deptt. 9436360454 [email protected]

20 Shri John LT Sanga CEO MzSRLM 9436146090 [email protected]

21 ShriRokamlova Hmar Cluster Branch Manager ICICI Bank, Aizawl Branch 8415900367 [email protected]

22 Dr.LalnguraTlau Project Director SLMC & IAC 9436155638 [email protected]

23 Shri T.A. Poji Branch manager Bank of Maharashtra 8014757019 bom159*[email protected]

24 Dr. F Vanlalruata Vety. officer RD Deoartment, GOM 9615357834 [email protected]

25 ShriVanlalroluahpuia COO MzSRLM 9612800653 [email protected]

26 ShriLalramdingnghetaColney Sales officer Yes Bank, Aizawl 9862851553 [email protected]

27 Shri Joseph Lalchhuana DIG, CID Mizoram Police 9436140735 [email protected]

28 ShriOinamKhogendro Singh Branch Manager Bank of India, Zarkawt Br 7085201174 [email protected]

29 MsLalrinpui Sr. Manager UCO Bank, Aizawl 9436776450 30 ShriRovin Kami Mgr& Br. Head IDBI, Aizawl Branch 8415902997 [email protected]

31 Shri M. Dutta Asstt. Director MSME-DI, Aizawl 9435565845 [email protected]

32 ShriAbhijit Das Chief Manager UCO Bank, Aizawl 8413033552 [email protected]

33 ShriGautam Bose A.G.M. SBI, Dawrpui Branch 8749994811, 9436744344

[email protected]

34 Dr. C. Lalzarliana Director Agriculture (Crop Hsbndry) 9436142745 [email protected]

35 ShriVanlalchhandaqma ARCS (AE) Cooperation Dept. GOM 9862331595 36 Dr. Saingurasailo Director AH &Vety Dept. GOM 9436142294 [email protected]

37 Shri R.L. Zidinga Dy. Director (P) UD & PA Dept. GOM 9615141574 [email protected]

38 Shri C. Lalrinawma H.D.O. Hir. Of Horti., GOM 9856053443 [email protected]

39 Shri J. Hmingthanmawia Director Commerce & Industries 9862078140 [email protected]

40 Shri J Suresh D.G.M. NABARD, Aizawl 9819380904 [email protected]

41 Shri D.K. Mishra General Manager NABARD, Aizawl 8259063804 [email protected]

42 Ms Mary L Deng General Manager Reserve Bank of India, Aizawl 9830267771 [email protected]

43 Shri R. Lalthazuala Dy. Secretary R.D. Dept., GOM 9436143016 [email protected]

44 Smt. L.N. Tochhawng Finance Commissioner Finance Dept., GOM 9910955856 45 ShriLalropara Secretary Finance Dept., GOM 9436140093


SNO NAME DESIGNATION DEPARTMENT/ ADDRESS MOBILE NO. EMAIL ADDRESS 46 ShriBiswarupDebbarma Manager (O) Axis bank, Aizawl Br 9774003902 [email protected]

47 Smt. Pinky Zosangpuii Under secy. Finance dept., GOM 9862329373 [email protected]

48 Shri A.M. Golasangi SDE (Tx) BSNL, Aizawl 9436743553 [email protected]

49 Shri T.S.V. Pradas D.E. (Tx) BSNL, Aizawl 9402340938 [email protected]

50 Smt. Saikungi E.O. (VI), KVIB KVIB Office, Aizawl 9436140936 [email protected]

51 Smt. R. lalrodingi Gen. Manager DCIC, Aizawl 943614324 [email protected]

52 Shrilalbuatsaiha Project officer AMFU Hqrs., Aizawl 9862035204 [email protected]

53 Shri Daniel Lalawmpuia State Mgr.(NULM) UD&PA Dept., GOM 9612308416 [email protected]

54 Shri R. Laltluanga Director SBI-RSETI, Aizawl 9436375203 55 Shri J. Biakdiktluanga MFS UD&PA Dept., GOM 9862751562 [email protected]

56 ShriGuruprasad VP Branch Manager Syndicate Bank, Aizawl 9436769606 [email protected]

57 Shri N. Amarkanta Singh Branch manager IOB, Aizawl Br 8729985594 [email protected]

58 ShriGautam Roy Branch Manager Punjab & Sind Bank, Aizawl 8415935322 [email protected]

59 Shri P. Singsit Manager Punjab & Sind Bank, Aizawl 8974953435 [email protected]

60 Shri R. Kumar Manager UCO Bank, Thuampui Br 9934044100 [email protected]

61 ShriLalhmangaihzualaSailo Dy. Manager MUCO Bank, Aizawl 9774033948 [email protected]

62 Smt. F. Vanlalchhuani Rep of Director SainikWelfare&Res., GOM 9861789780 [email protected]

63 Smt. Lalthianghlimi Branch manager NEDFI, Aizawl 9856009801 [email protected]

64 Shri T TawnkhumKopsiam Branch Manager Bank of Baroda, Aizawl 8730828778 [email protected]

65 Smt. K Zorampari Br Head Bandhan Bank Ltd.,Aizawl 9862331530 [email protected]

66 ShriLalruatzela Br. Sales Manager Bandhan bank, Aizawl 8415901388 [email protected]

67 Smt. R. Laltanpuii APO DRDA, Aizawl 9436144069 [email protected]

68 Shri J.M. dawnga Dy. Manager SBI, Aizawl branch 9436145950 [email protected]

69 Smt. Lalremtluangi Asst. Manager SIDBI Bank, aizawl 9436142067 [email protected]

70 Shri Benjamin Chhakchhuak Branch Manager Yes Bank Ltd., Aizawl 9862810927 [email protected]

71 Shri LH Lalhmingthanga Election Officer DC office, Aizawl 9612494868 72 Shri P. Lalrokima Sr. Manager Canara bank, Aizawl 8575643244 [email protected]

73 Shri Ronald Lalrindika Asst. manager Union Bank of india, Aizawl 9615707058 [email protected]

74 Michael Lalneihtluanga IEC Specialist UD&PA Dept., GOM 8257901284 [email protected]

75 Shri Nicholas khupsianmung Manager PNB, Aizawl Br 7085055236 [email protected]

76 Smt. Lalr3emruati Hausel Asst. manager Axis bank, Aizawlbr 8414948557 [email protected]

77 Smt. LalrimawiiKhiangte AGM (P) HUDCO, Aizawl 9436155283 [email protected]

Chief Manager (Lead Bank), State Bank of India, Lead Bank Office, Aizawl.

b) september 2016 - state level bankers' committeeslbcne.nic.in/repo/mizoram/sept 2016...

Documents