meetings haryana/agenda 144th... · web view2017/05/18 · as advised by acs, finance &...

The 144th meeting of State Level Bankers’ Committee (SLBC) Haryana to review the performance of banks for the period ended 31st March, 2018 would be held on 17.05.2018 (Thursday) at 10.30 A.M. at Hotel Mount View, Sector 10 Chandigarh. Following issues shall be taken up for discussions in the meeting:-

AGENDA ITEM NO. 1

CONFIRMATION OF MINUTES OF 143RD MEETING OF STATE LEVEL BANKERS' COMMITTEE (HARYANA) HELD ON 16.02.2018

Last Meeting of SLBC 143rd Held on 16.02.2018Minutes Emailed/Circulated on 09.03.2018Comments Received Nil

In view of non-receipt of any observation/suggestion on the minutes of 143rd meeting of SLBC Haryana circulated vide email dated 09.03.2018, the house may confirm the circulated minutes. AGENDA ITEM NO. 2

GRAM SWARAJ ABHIYAN (GSA) 2018- SPECIAL INITIATIVE FOR 16850 VILLAGES WITH LARGE NUMBER OF POOR HOUSEHOLDS FOR SATURATION DURING 14.04.2018 TO 05.05.2018

The Director, Financial Inclusion Section, Department of Financial Services (DFS), MOF, GOI, New Delhi vide their communication dated 6th

April, 2018 informed that Govt. of India has launched a Special Initiative for 16850 Villages with large number of poor households for saturation during 14.04.2018 to 05.05.2018 under Gram Swaraj Abhiyan. Under the Abhiyan 235 villages of Haryana State have been identified by the Govt. of India.

Agenda & Background Papers of 144th Meeting of SLBC Haryana

144th Meeting of State Level Bankers’ Committee (Haryana)

A Video Conference meeting under the Chairmanship of Convener SLBC Haryana was held on 11.04.2018 in which all LDMs and representatives of banks also participated.

The following activities have been undertaken under Gram Swaraj Abhiyan in the identified villages of the State:-

i) Opening of banking outlets (branch or fixed point Business Correspondent) within 5 km distance from each of these villages.

ii) Opening of Jan-Dhan Accounts for every unbanked adult in the villages.

iii) Distribution of Rupay Cards to 100% PMJDY account holders.iv) Providing financial literacy to activate and use the Rupay Card.v) Enrolment for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

for the period 01.06.2018-31.05.2019.vi)Enrolment for Pradhan Mantri Suraksha Bima Yojana (PMSBY) for

the period 01.06.2018-31.05.2019.2.i OPENING OF BANKING OUTLETS (BRANCH OR FIXED POINT BUSINESS CORRESPONDENT) WITHIN 5 KM DISTANCE FROM EACH OF THESE VILLAGES-

The list of 235 villages identified by the DFS, was forwarded to Lead District Managers of Haryana to further allocate the villages to the banks according to their Service Area and inform the status of providing banking service to these villages through a bank branch/Fixed Location Business Correspondent within 5 km of the identified village.


On the basis of information received from LDMs following position has been arrived at:-

a) Opening of banking outlets (branch or fixed point Business Correspondent) within 5 km distance from each of these villages.

S.No.

Name of the Bank

Total Village

s under Service Area

No. of Villages covered by branches within 5 Kms

No. of Villages covered

by Resident BCA/BCA within 5

KMS.

No. of Villages covered

by Distant

BCA

No. of Banking

outlets/Fixed Point

BCs to be set up by

the bank in the

villages

Progress

1 Allahabad 7 5 2 - -2 BOB 2 1 1 - -3 Canara

Bank2 2 - -

4 CBI 13 9 3 1 1 BC outlet opened

5 Corpn.Bank

4 2 1 1 1 BC outlet opened

6 IDBI Bank 1 1 - -7 Indian 3 2 1 - -8 IOB 1 1 - -9 OBC 14 7 6 1 1 BC outlet

opened10 PNB 51 30 18 3 3 BC outlet

opened11 P&SB 13 11 2 - -12 SBI 42 36 5 1 1 BC outlet

opened13 Synd.Bank 4 3 1 - -14 UCO Bank 5 3 1 1 1 BC outlet

opened15 UBI 5 4 1 - -16 Axis Bank 3 3 - - -17 HDFC

Bank4 1 1 2 2 BC

outlets yet to be opened

18 ICICI 1 1 - - -19 Indusind 1 1 - - -20 SHGB 59 41 10 8 8 BC outlet

opened


Total 235 161 56 18 18

It is informed that Fixed Point Business Correspondent outlets have been opened in 16 villages whereas 2 Fixed Point Business Correspondent outlets are yet to be opened by HDFC Bank in its allocated villages. b) Status on saturation of identified villages under PMJDY, PMSBY and PMJJBY

With the concerted efforts of Lead District Managers, field functionaries of banks and with support from the District Administration all 235 identified villages of Haryana have been saturated under the activities identified by the DFS, MoF, GOI, New Delhi.

As per the report received from the LDMs progress under Gram Swaraj Abhiyan as at 08.05.2018 is given below:-No. of identified Villages

PMJDY(Opening of Jan-Dhan

A/cs of adults)

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY

Tgt Ach. % age Ach.

Tgt Ach. % age Ach.

Tgt Ach. % age Ach.

235 15421

16975

110% 17564

19204

109% 11767

12290

104%

Bank wise & District wise progress is given on Annex. No.1.1 & 1.2 (P 95-96)The house may review and deliberate.

AGENDA ITEM NO. 3

IMPLEMENTATION OF PRADHAN MANTRI JAN-DHAN YOJANA (PMJDY)

3.1 STATUS OF OPENING OF ACCOUNTS UNDER PMJDY

Comparative position of opening of accounts under PMJDY is as under:-Parameter Dec.,17 March,18 Increase %age

Change


No. of A/cs opened

64,54,721 64,95,997 41,276 0.64%

Rural 31,64,000 (49%)

31,16,546 (48%)

-47454* -1.5%

Urban 32,90,721 (51%)

33,79,451 (52%)

88730 2.7%

*Due to change in categorization of accounts from Rural to Semi-urban/urban by Sarva Haryana Gramin Bank.Top 3 & Bottom 3 banks in opening of PMJDY accounts are as under:-

Sr. No.

Parameter Name of the Bank

1 Top 3 Banks State Bank of India (14,30,636), Punjab National Bank (12,03,927) and Sarva Haryana Gramin Bank (8,26,497)

2. Bottom 3 major banks

Yes Bank (2969), Kotak Mahindra Bank (5416) and Vijaya Bank (25,438)

Top 3 and bottom 3 districts in Opening of Accounts under PMJDY are as under:-

Sr. No.

Parameter Name of the District

1 Top 3 Districts Faridabad (6,41,729), Gurugram (4,77,582) and Hisar (4,71,226)

2. Bottom 3 Districts

Charkhi Dadri (82,891), Panchkula (1,47,694) and Rewari (1,69,541)

Bank wise/District wise position of opening of accounts under PMJDY is given on Annexure No. 2.1-2.2 (P 97-98).

AGENDA ITEM NO. 3.2

ISSUANCE OF RUPAY CARDS

Comparative position of issuance of Rupay Cards in the PMDJY accounts is as under:-

Parameter Dec.,17 March, 18 Increase % age Change

No. of Accounts opened

64,54,721 64,95,997 41,276 0.64%

No. of Rupay 58,26,572 59,33,538 1,06,966 1.84%


Cards Issued%age of Rupay Cards Issued

90% 91% 1%

Top 3 & Bottom 3 banks in issuance of Rupay Cards in PMJDY accounts as at March, 18 are as under:-Sr. No.


1 Top 3 Banks HDFC Bank and ICICI Bank (100%), Sarva Haryana Gramin Bank (99%) & Bank of India (98%) Convener Bank-96%

2. Bottom 3 banks

Bank of Maharashtra (68%), UCO Bank (61%) and Union Bank of India (69%)

Top 3 and bottom 3 districts with their performance under issuance of Rupay Cards are as under:-Sr. No.


1 Top 3 Districts Charkhi Dadri (98%), Bhiwani, Faridabad & Jind (93%) and Fatehabad, Gurugram, Hisar, Kaithal, Karnal, M.Garh and Rewari (92%)


Jhajjar & Sonepat (88%), Ambala, Mewat & Palwal (89%) and Sirsa (90%)

Bank wise/District wise status of issuance of Rupay Cards is given on Annexure No. 3.1-3.2 (P 99-100).

The house may discuss.

AGENDA ITEM NO. 3.3

ACTIVATION OF RUPAY CARDS

Comparative position of activation of Rupay Cards in the PMDJY accounts is as under:-Parameter Dec.,17 March, 18 Increase % age

changeNo. of Accounts opened

64,54,721 64,95,997 41,276 0.64%

No. of Rupay 58,26,572 59,33,538 1,06,966 1.84%


Cards IssuedNo. of Rupay Cards Activated

49,41,159 49,77,707 36,548 0.74%

%age of Rupay Cards activated

85% 84% -1%

Top 3 & Bottom 3 banks in activation of Rupay Cards in PMJDY accounts upto March, 18 are as under:-Sr. No.


1 Top 3 Banks Axis Bank, ICICI Bank (100%), P&SB (99%) and UCO Bank (98%).Convener Bank-80%


Yes Bank (42%), Andhra Bank & HDFC Bank (59%) and Corporation Bank (68%)

Top 3 and bottom 3 districts with their performance under activation of Rupay Cards are as under:-Sr. No.


1 Top 3 Districts Fatehabad & Hisar (88%), Ambala & Rewari (87%) and Bhiwani, Karnal & Panipat (86%)


Nuh (Mewat-73%) Jhajjar (78%) and Palwal (79%)

Bank wise & District wise Position is given on Annex. No. 3.1 & 3.2 (P 99-100). The house may discuss.AGENDA ITEM NO. 3.4

ZERO BALANCE ACCOUNTS

Comparative position of issuance of Rupay Cards in the PMDJY accounts is as under:-Parameter Dec.,17 March,

18Increase/Decrease

% age Increase

No. of Accounts opened under PMJDY

64,54,721 64,95,997 41,276 0.64%

No. of Zero Balance PMJDY Accounts

7,88,491 7,29,010 -59,481 -7.5%


%age of Zero Balance A/cs of total PMJDY A/cs

12% 11% -1%

Top 3 and Bottom 3 banks with their performance under Zero Balance Accounts under PMJDY are as under:-Sr. No.


1. Top 3 banks Punjab & Sind Bank (1%), Sarva Haryana Gramin Bank (2%) and CBI & Vijaya Bank (3%). Convener Bank- (6%)

2. Bottom 3 major Banks(Max. Zero Balance A/cs)

Kotak Mahindra Bank (51%), ICICI Bank (41%) and Yes Bank (23%)

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

Sr. No.


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

Charkhi Dadri (3%), Panchkula (6%) and Bhiwani (7%)

2. Bottom 3 Districts (Max. Zero Balance A/cs

Faridabad (18%), Gurugram & Mewat (15%) and Jhajjar (13%)

Bank wise/District wise Position of Zero Balance A/cs is given on Annex. No. 3.1-3.2 (P 99-100).The house may discuss.

AGENDA ITEM NO. 3.5

AADHAAR SEEDING AND MOBILE NUMBER SEEDING IN OPERATIVE SAVING BANK A/Cs

3.5 (i) AADHAAR SEEDING IN OPERATIVE SAVING BANK ACCOUNTS


Comparative position of Aadhaar seeding in Operative Saving Bank a/csParameter Dec.,17 March, 18 Increase/

Decrease% age

Increase

Operative Saving Bank A/cs

3,08,78,142

3,13,97,109

5,18,967 1.7%

Aadhaar Seeded in Operative Saving Bank A/cs

2,45,11,840

2,62,36,290

17,24,450 7%

%age of Aadhaar Seeding

79% 84% 5%

Aadhaar yet to be Seeded in Operative Saving Bank A/cs

63,66,302 51,60,819 -12,05,483

-19%

% age to total Operative SB A/cs

21% 16% -5%

Top 3 and bottom 3 banks in Aadhaar Seeding in Operative Saving Bank accounts:-Sr. No.


1. Top 3 Banks UCO Bank (95%), Dena Bank (93%) & Federal Bank (91%)

2. Bottom 3 Major Banks

Karnataka Bank (61%), United Bank of India & J&K Bank (74%) and Axis Bank (75%)

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

Sr. No.


1 Top 3 Districts Fatehabad (90%), Kurukshetra (89%), and Sirsa (87%)


M.Garh (80%), Gurugram, Jhajjar, Rewari, Rohtak & Sonepat (81%), and Jind & Panchkula (82%)

Bank wise & District wise Position is given on Annexure No.4.1 & 4.2 (P 101-102).


3.5 (ii) MOBILE NUMBER SEEDING IN OPERATIVE SAVING BANK ACCOUNTSComparative position of Mobile Number seeding in Operative Saving Bank accounts is as under:-

Parameter Dec.,17 March,18 Increase/Decrease

% age Change

Operative Saving Bank A/cs

3,08,78,142 3,13,97,109

5,18,967 1.7%

Mobile No. Seeded in Operative Saving Bank A/cs

2,49,49,754 2,58,28,513

8,78,759 3.5%

% age of Mobile No. Seeding

81% 82% 1%

Mobile No. yet to be Seeded

59,28,388 55,68,596 -3,59,792 -6%

% age to total Operative SB A/cs

19% 18% -1%

Top 3 and bottom 3 banks with their performance in Mobile No. Seeding in Operative Saving Bank accounts are as under:-

Sr. No.


1 Top 3 Banks Federal Bank, Indusind Bank & Yes Bank (100%), HDFC Bank & Karnataka (99%) and J&k Bank & IDBI Bank (96%)

2. Bottom 3 banks OBC (52%), Harco Bank (67%) and Kotak Mahindra Bank (68%)

Top 3 and bottom 3 districts with their performance in mobile no. seeding in operative Saving Bank accounts are as under:-

Sr. No.


1 Top 3 Districts Charkhi Dadri (91%), Gurugram (89%) & Faridabad (87%)


Nuh (Mewat 70%), Jind (72%) & M.Garh (73%)


Bank wise & District wise Position is given on Annex. No.4.1 & 4.2 (P 101-102)The house may review.Controlling heads of banks are requested to advise their field functionaries to make concerted efforts to ensure 100% mobile seeding in operative saving bank accounts to comply with the Govt. of India guidelines/instructions.

AGENDA ITEM NO. 3.6

CLAIMS RECEIVED AND SETTLED UNDER RUPAY CARDS

Parameter Unit Accident Claim(Rs.1.00 lac)

Natural Death Claim(Rs.0.30 lac)

Claims Recd. No. 433 303Amt. (Rs. In lacs) 433 90.90

Claims Lodged No. 433 301Amt. (Rs. In lacs) 433 90.30

Claims Settled No. 381 283Amt. (Rs. In lacs) 381 84.90

Claims Rejected

No. 26 7

Claims Pending

No. 26 11

Bank wise & District wise Position is given on Annex. No.5.1 & 5.2 (P 103-104)

BANKWISE/DURATIONWISE PENDENCY OF CLAIMS

PMJDY RUPAY CARD-ACCIDENT CLAIMS

Name of the Bank

Claims pending Name of the Insurance Co.Upto 3

monthsMore than 3 months to 1 year

Canara Bank - 1 New India Assurance Co. Ltd.

OBC 1 -PNB 6 8UBI 3 -HDFC Bank 1 2SHGB 2 2


Total 13 13PMJDY RUPAY CARD-NATURAL DEATH CLAIMS

Name of the Bank

Claims pending Name of the Insurance Co.Upto 3

monthsMore than 3 months

Canara Bank 2 6 LIC of IndiaIDBI Bank 3 -Total 5 6Bank wise Position is given on Annex. No.5.1 (P-103)

The house may review.

AGENDA ITEM NO. 3.7

AADHAAR SEEDING IN THE A/CS OPENED UNDER PMJDY

Out of 64,95,997 accounts opened under PMJDY upto 31.03.2018, aadhaar have been seeded in 58,33,365 accounts i.e 90% of the total accounts opened under the scheme upto 31.03.2018.

Comparative position of Aadhaar seeding in PMJDY accounts is as under:-Parameter Dec.,17 March, 18 Increase/

Decrease% age

Increase

No. of Accounts opened under PMJDY

64,54,721 64,95,997 41,276 0.64%

Aadhaar Seeded 57,27,096 58,33,365 1,06,269 1.86%%age of Aadhaar Seeded

89% 90% 1%

Aadhaar yet to be Seeded

7,27,625 6,62,632 -64,933 8.9%

% age of Aadhaar yet to be seeded

11% 10% -1%


Bank wise status of Aadhaar seeding is given on Annexure No. 2.1 (P-97).

Top 3 and bottom 3 banks with their performance in Aadhaar Seeding in the Accounts under PMJDY are as under:-Sr. No.


1 Top 3 Banks SBI (97%), PSB & IOB (94%), Indian Bank& UCO Bank (93%) Convener Bank-90%


Andhra Bank (61%), Kotak Mahindra Bank (74%) and Corporation Bank (75%)

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

Sr. No.


1 Top 3 Districts

Faridabad & Sirsa (93%), Fatehabad, Kurukshetra & Panipat (92%) and Ambala, Hisar, Jind & Kaithal, (91%)


Rewari (83%), Gurugram & Jhajjar (84%) and Panchkula (86%)

District wise status of Aadhaar seeding is given on Annex. No. 2.2 (P-98).

The house may discuss. AGENDA ITEM NO. 3.8

AADHAAR SEEDING IN THE ACCOUNTS OF MGNREGA WORKERS IN THE STATE OF HARYANA

As per the report received from Rural Development Department, Haryana, out of 6,20,488 active MGNREGA workers in the State, Aadhaar has been entered in the accounts of 6,17,565 workers (99.5%) at MGNREGA portal whereas Aadhaar has been seeded in the bank accounts of 5,20,691 workers i.e. 84% of the active MGNREGA workers.District wise Progress is given on Annexure No.6 (P-105).


Performance of District Mewat (54%), Sonipat (66%), Jhajjar (78%), Kurukshetra & Panchkula (79%), M.Garh & Ambala (80%) is low. All LDMs, particularly LDMs of above districts are advised to make concerted efforts to improve the performance of their district significantly so as to achieve the target of 100% seeding of Aadhaar in bank account of the MGNREGA workers to enable them to avail the benefits of DBT.

The representative of Rural Development Department may apprise the house in this regard.

ITEM NO.3.9

SETTING UP OF AADHAAR ENROLMENT & UPDATION CENTRES IN BANK PREMISES

UIDAI, vide Notification dated 14th July, 2017 had informed that it has been decided that every Scheduled Commercial Bank is to set up Aadhaar enrolment and update facility inside its bank premises at a minimum of 1 out of their every 10 branches by 30th August, 2017.

UIDAI vide circular dated 25th April, 2018 has extended the date upto 31st May, 2018. It has also been informed that those banks who attain the target of setting up of enrolment/Updation centres by 31st May, 2018 will be exempted from financial disincentive payable as per circular dated 23.02.2018. Financial disincentive in respect of uncovered branches will be levied from Ist April, 2018 onwards as on last day of previous month.

Bank wise position of Aadhaar enrolment and update facility to be set up by banks conveyed by UIDAI is given on Annexure No7.1 (P-106) for information of the SLBC member banks.As per data received from UIDAI, RO, Chandigarh 367 centres have been set up in the State. Out of these, 46 centres are with Zero enrolment/Updation. Bank wise and district wise position is given on Annexure 7.2 (P-107).

During the review of progress in 1st meeting of Steering Committee to SLBC Haryana held on 3rd May, 2018 Deputy Director, UIDAI requested the representatives of banks present in the meeting to activate their zero enrolment centres at the earliest.


He further informed the house that UIDAI had issued Circular dated 24.10.2017 on exception handling to ensure that no beneficiary is denied benefits for want of Aadhaar. It has also been clearly mentioned in the circular that in cases where Aadhaar authentication fails, the following mechanism may be adopted:-(i) Departments and Bank Branches may make provisions for IRIS scanners along with fingerprints scanners, wherever feasible.(ii) In cases of failure due to lack of connectivity, offline authentication system such as QR code based coupons, mobile based OTP or TOTP may be explored.

In all cases where online authentication is not feasible, the benefit/service may be provided on the basis of possession of Aadhaar, after duly recording the transaction in register to be reviewed and audited periodically.

In view of above, SLBC has been requested to issue instructions to all banks to implement proper exception handling mechanism in conformity with the Aadhaar Act 2016 and subsequent regulations and guidelines issued from time to time.

As such controlling heads of banks are requested to impart necessary instructions to their field functionaries to ensure compliance of the above guidelines issued by UIDAI.Further, Controlling heads of banks are also requested to ensure that the Aadhaar Enrolment and Updation Centers are set up in the remaining identified branches of their bank and information in this regard is submitted to SLBC Haryana Secretariat.AGENDA ITEM NO. 3.10

MICRO ATMs

Upto 31st March, 2018, banks have provided 2452 Micro ATMs to their BCAs. Convener bank has also provided 502 Micro ATMs to its BCAs. This will enable the account holders to swipe their ATM Cards at BCA locations and they will not have to go to the far flung areas for swiping the ATM


cards. Besides 6220 ATMs installed by all the banks in the state of Haryana will also take care of swiping of cards.Bank wise/District wise status of providing of Micro ATMs is given on Annexure No. 3.1 & 3.2 (P 99-100).The house may review. AGENDA ITEM NO. 3.11

DEPLOYMENT AND WORKING OF BCAs

In Haryana at all 3244 SSAs (Sub Service Area), the banking service is being provided either by the branches or by BCAs. Out of 3244 SSAs, 1252 SSAs are covered by branches and 1992 by BCAs. In the State of Haryana 2275 BCAs have been appointed against the requirement of 1992 BCAs. Bank wise status of providing of BCAs is given on Annex.No. 8 (P-108).


AGENDA ITEM NO. 3.12

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

3.12 (i) Pradhan Mantri Suraksha Bima Yojana (PMSBY)-

Up to 31st March, 2018, banks have enrolled 28,56,587 persons under the scheme and 28,29,510 (99%) records have been uploaded by banks.

Comparative position is given below:-Parameter Dec.,17 March, 18 Increase/

Decrease% age

Change

No. of persons enrolled under PMSBY

27,94,368

28,56,587 62,219 2.2%


No. of records uploaded

26,92,684

28,29,510 1,36,826 5%

%age of records uploaded

96% 99% 3%

No. of records yet to be uploaded

1,01,684 27,077 -74,607 -73%

Top 3 and bottom 3 banks in Enrolment under PMSBY are as under:-

Sr. No.


1 Top 3 Banks State Bank of India (5,61,364), OBC (3,80,497) and Sarva Haryana Gramin Bank (3,54,515)Convener Bank-2,93,740

2. Bottom 3 major Banks

Indusind Bank (4323), United Bank of India (5100) and Kotak Mahindra Bank (7610)

Top 3 and bottom 3 Districts with in Enrolment under PMSBY are as under:-

Sr. No.


1 Top 3 Districts Gurugram (3,12,335), Faridabad (2,74,527) and Karnal (1,88,864)


Charkhi Dadri (20,010), Mewat (54,461) and Palwal (74,822)

Bank wise/District wise Progress is given on Annex. No.9 (P-109)/11A (P-112).The house may discuss.

3.12 (ii) Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)-Up to 31st March, 2018, banks have enrolled 8,68,257 persons under the scheme and 8,13,784 (94%) applications have been uploaded by banks. Comparative position is given below:-Parameter Dec.,17 March, 18 Increase/ % age


Decrease Increase

No. of persons enrolled under PMSBY

8,53,218 8,68,257 15,039 1.76%

No. of records uploaded

7,92,356 8,13,784 21,428 2.7%

%age of records uploaded

93% 94% 1%


60,862 54,473 -6389 -10.5%

Bank wise/District wise Progress is given on Annexure No.10 (P-110) & 11A (P-112).Top 3 and bottom 3 banks with their performance in Enrolment under PMJJBY are as under:-

Sr. No.


1 Top 3 Banks Punjab National Bank (1,40,049), State Bank of India (1,26,457) and Sarva Haryana Gramin Bank (1,08,412)

2. Bottom 3 major Banks

United Bank of India (2226), Kotak Mahindra Bank (4947) and Bank of India (5080)

Top 3 and bottom 3 Districts with in Enrolment under PMJJBY are as under:-

Sr. No.


1 Top 3 Districts Gurugram (1,14,682), Faridabad (80,325) and Hisar (58,940)


Charkhi Dadri (8372), Mewat (10,796) and Palwal (23,423)



CLAIMS RECEIVED AND SETTLED UNDER PMSBY & PMJJBY

Parameter Unit PMSBY PARTIAL CLAIMS UNDER PMSBY

PMJJBY

Claims Recd. No. 1491 22 2900Amt. (Rs. In lacs)

2960* 22 5800

Claims Lodged No. 1489 22 2900Amt. (Rs.In lacs)

2956* 22 5800

Claims Settled No. 1229 12 2568Amt. (Rs.In lacs)

2446** 12 5136

Claims Rejected

No. 63 - 77

Claims Pending

No. 197 10 255

*It includes claims for partial disability lodged by BOM (2), PSB (6) & SHGB (14). ** It includes claims for partial disability BOM (1), PSB (5) & SHGB (6).

Bank wise/District wise Progress is given on Annexure No.12.1-12.2 (P 113-114)BANKWISE POSITION OF PENDING CLAIMS UNDER PMSBY

Name of the Bank Claims pending Name of the Insurance Co.Upto 3

months

More than 3 months

Allahabad Bank 1 - Universal SompoBank of Baroda 3 - NICLBank of India 1 2Canara Bank 28 4 United India Insurance Co.IDBI Bank 12 1 BAGICOBC 25 - OICPunjab National Bank 24 15 OICPunjab & Sind Bank 3 - NIA


HDFC Bank 6 2Indusind Bank 2 -Kotak Mahindra Bank 1 -Sarva Haryana Gramin Bank

29 26 OIC

Harco Bank 8 4 OICTotal 143 54

BANKWISE POSITION OF PENDING CLAIMS UNDER PMJJBY

Name of the Bank

Claims pending Name of the Insurance Co.

Upto 3 months

>than 3 months

Allahabad Bank 1 - LIC of India Bank of India - 2Bank of Maharashtra

1 - India First

Canara Bank 34 12 LIC of IndiaIDBI Bank 11 - LIC of IndiaOBC 35 - LIC of IndiaPunjab National Bank

40 14 LIC of India

Punjab & Sind Bank

6 - LIC of India

Federal Bank 2 - LIC of IndiaHDFC Bank 9 3 HDFC LifeSHGB 40 28 (Incl.6

pending for > 1 year

LIC of India

Harco Bank 10 7 LIC of IndiaTotal 189 66The house may discuss.

3.12 (iii) Atal Pension Yojana (APY)

Up to 31st March, 2018, banks have enrolled 1,95,073 persons under the scheme and 1,82,925 (94%) records have been uploaded by banks. Comparative position is given below:-


Parameter Dec.,17 March, 18 Increase/Decrease

%age Increas

eNo. of persons enrolled under APY

1,49,896 1,95,073 45,177 30%

No. of records uploaded 1,46,798 1,82,925 36,127 25%%age of records uploaded

98% 94% -4%


3098 12,148 9,050 292%

Top 3 and bottom 3 banks with their performance in Enrolment under APY are as under:-Sr. No.


1 Top 3 Banks Sarva Haryana Gramin Bank (24,901), HDFC Bank (22,031) and Oriental Bank of Commerce (16,433)Convener Bank-9,737

2. Bottom 3 Banks

Kotak Mahindra Bank (259), United Bank of India (270) and Indian Overseas Bank (653)

Top 3 and bottom 3 Districts with in Enrolment under APY are as under:-

Sr. No.


1 Top 3 Districts Gurugram (29,378), Faridabad (16,450) and Ambala (12,909)


Charkhi Dadri (1,193), Palwal (4,892), and Mewat (3,460)

Bank wise/District wise Progress is given on Annex. No.11 (P-111)/11A (P-112)The house may review. AGENDA ITEM NO.

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


3.13 (i) 2018 (2017-18)Institution wise comparative progress under Pradhan Mantri Mudra Yojana (PMMY) during the year ended March, 2018 (2017-18) consisting of Shishu (Loans upto Rs.50000/-), Kishore (Loans from Rs.50001-Rs.5.00 lacs) & Tarun (Loans above Rs.5.00 lac and upto Rs.10.00 lac) segments is given below:- Category Achievement

Dec.,17 March, 18SHISHU

Institution No. of A/cs

Amt. (Rs. In lakhs)

No. of A/cs

Amt. (Rs. In lakhs)

Public Sector Banks 29190 9007 41337 15098Private Sector Banks 51056 13672 65553 17497Sarva Haryana Gramin Bank 2897 1049 4078 1487Total 83143 23728 11096

834082

Category AchievementDec.,17 March, 18

KISHOREInstitution No. of

A/csAmt. (Rs. In lakhs)

No. of A/cs

Amt. (Rs. In lakhs)

Public Sector Banks 29695 67826 39728 89085Private Sector Banks 6370 17643 10044 28948Sarva Haryana Gramin Bank 5196 8299 9381 14757Total 41261 93768 59153 132790

TARUNPublic Sector Banks 7537 60700 11009 88395Private Sector Banks 3611 24948 5132 35154Sarva Haryana Gramin Bank 232 2032 361 3066Total 11380 87680 16502 1266615

TARGET (AMOUNT RS. IN LAKHS)Public Sector Banks 281306Private Sector Banks 60086Sarva Haryana Gramin Bank 14000Total 355392

ACHIEVEMENT (SHISHU+KISHORE+TARUN) Public Sector Banks 66422 137533 92074 192578

(68%)


Private Sector Banks 61037 56263 80729 81599 (136%)

Sarva Haryana Gramin Bank 8325 11380 13820 19310 (138%)

Total 135784

205176 186623

293487 (83%)

Top 3 and bottom 3 Banks with their performance under Pradhan Mantri Mudra Yojana (PMMY) during the year ended March, 18 are as under:-

Sr. No.


1 Top 3 Banks (No. of A/cs wise)

HDFC Bank (46090-Rs.264 crore), PNB (29741-Rs.329 crore) and Yes Bank (14895-Rs. 41 crore)

2. Bottom 3 major Banks (No. of A/cs wise)

Bank of Maharashtra (301-Rs.8 crore), Kotak Mahindra Bank (386-Rs.23 crore) and United Bank of India (400-Rs.15 crore)

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

Sr. No.


1 Top 3 Districts Karnal (16,440-Rs.233 crore), Faridabad (12246-Rs.319 crore) and Sonipat (12,244-Rs.143 crore)


Charkhi Dadri (1,079-Rs.20 crore), Mewat (1,831-Rs.32 crore) and Palwal (3,028-Rs 54 crore)

Bank wise/District wise progress is as per Annexure No. 13.1-13.4A (P 115-122).

From the bank wise progress report it has been observed that out of total 110968 loans sanctioned under Shishu Category by all private sector banks, HDFC Bank alone has reported sanction


of 42535 (Shishu Category) i.e 38% of total Shishu loans sanctioned.

Out of total 186623 accounts sanctioned under PMMY 71529 loans amounting to Rs. 569 crore have been sanctioned to women beneficiaries i.e. 38% of the total loans sanctioned under the scheme during the year ended March, 2018 (2017-18).

Similarly, 43087 accounts of SC/ST beneficiaries have been sanctioned out of total 186623 accounts sanctioned under PMMY amounting to Rs.224 Cr. i.e. 23% of the total loans sanctioned under the scheme during the year ended March, 2018 (2017-18). The house may review.

AGENDA ITEM NO. 3.13 (ii)

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

The Ministry of Finance, Govt. of India has enlarged the scope of MUDRA and “Activities allied to Agriculture (upto Rs.10.00 lakh) ”(excluding crop loans, land improvement such as canals, irrigation , wells) and services supporting these, which promote livelihood or are income generating shall be eligible for coverage under PMMY w.e.f. 2016-17.Activities allied to agriculture include pisciculture, beekeeping, poultry, livestock rearing, grading, sorting, aggregation agro industries, dairy, fishery, Agri-Clinics and Agribusiness Centers, Food & Agro Processing etc.Further, we have received a copy of D.O. No. 25-1 (15)/2016-17/AHD (Coord.) dated 19.01.2017 through the office of Director General, Animal Husbandry & Dairying, Haryana vide their letter dated 29th June, 2017 with the request to ensure to provide the benefits of PMMY to farmers as per the guidelines issued by MOF, GOI, in this regard.SLBC Secretariat vide its letter dated 12th April, 2017 has requested the controlling heads of banks to advise their field functionaries in the State of Haryana to ensure compliance of the instructions of MOF with regard


to coverage of “Activities allied to Agriculture (upto Rs.10.00 lakh)”(excluding crop loans, land improvement such as canals, irrigation wells) and services supporting these, which promote livelihood or are income generating under PMMY so that the benefits could be availed by the farming community.Representatives of the banks are once again requested to ensure compliance of the same.

AGENDA ITEM NO.3.14

PROGRESS UNDER STAND-UP INDIA SCHEME DURING THE FINANCIAL YEAR ENDED MARCH, 2018 (2017-18)

Stand-Up India Scheme was launched by the Hon’ble Prime Minister on 5th April, 2016 with the objective of facilitating bank loans between Rs.10 lakh and Rs. 100 lakh to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch of all scheduled commercial banks for setting up a green field enterprise. This enterprise may be in manufacturing, service or trading sector. In case of non-individual enterprises at least 51% of the shareholding and controlling stake should be held by either an SC/ST or Woman Entrepreneur.An interactive portal (www.standupmitra.in) has also been launched by the Hon’ble Prime Minister which hosts information about various entities providing handholding support to the borrower. It has been advised to route the loan applications through the portal.

Institution wise comparative progress under Stand Up India Programme during the financial year ended March, 2018 (2017-18) is given below:-

Institution Dec., 17 March,18No. of A/cs Amt.

(Rs. in lakhs)

No. of A/cs

Amt.(Rs. in lakhs)

WOMENPublic Sector Banks

695 15909 951 21016

Private Sector 37 815 52 1093


http://www.standupmitra.in/

BanksSarva Haryana Gramin Bank

19 276 37 599

Total 751 17000 1040 22708SC/STPublic Sector Banks

232 3991 293 5272

Private Sector Banks

9 154 10 165

Sarva Haryana Gramin Bank

3 32 6 96

Total 244 4177 309 5533Public Sector Bank

927 19900 1244 26288

Private Sector Banks

46 970 62 1258

Sarva Haryana Gramin Bank

22 308 43 695

Grand Total (Women & SC/ST)

995 21177 1349 28241

No. of Branches 4738 4718No. of Branches sanctioned loans

531 736

Out of sanction of 1349 loans amounting to Rs.282.41 crore, disbursement has been made in 1259 cases amounting to Rs.230.27 crore.

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

Sr. No.


1 Top 3 Banks Punjab National Bank (233 cases-Rs.54


crore), SBI (152 Cases-Rs.31 crore) and Andhra Bank & Canara Bank (127 cases each-Rs.25 crore and 31 crore respectively)

2. Bottom 3 Banks Yes Bank (1 case-Rs.0.35 crore), HDFC Bank (2 cases-Rs.0.70 crore), IDBI Bank (4 cases-Rs.0.49 crore)

3. Major Banks with Zero Performance

Axis Bank and Kotak Mahindra Bank

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

Sr. No.


1 Top 3 Districts Faridabad (202 cases-45 crore), Gurugram (177 cases-Rs.40 crore) and Ambala (104 cases-Rs.22 crore)


Charkhi Dadri (3 Cases-Rs.0.42 crore), Mewat (12 Cases-Rs.1.77 crore) and Palwal (16 Cases-Rs.3.31 crore)

Bank wise and District wise details are given in Annex. No.14.1 & 14.2 (P 123-124).

As per Govt. of India instructions, every branch of a scheduled commercial bank is mandated to finance at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower under Stand Up India Scheme. While going through the progress of banks under the scheme, it has been observed that out of 4718 branches of scheduled commercial banks in the State of Haryana, only 736 branches have participated in the scheme. Controlling heads of banks are requested to impart necessary instructions to their field functionaries to achieve the allocated target of financing at least One SC/ST borrower and One Women borrower. If any bank branch is not in a position to finance under the scheme the target of the branch can also be achieved by the other branch (es) of the bank.The house may discuss.



IMPLEMENTATION OF MEASURES FOR PROMOTION & PROLIFERATION OF DIGITAL PAYMENTS IN THE STATE-PROGRESS DURING THE YEAR ENDED MARCH, 2018 (2017-18)

The State Government has constituted a State Level Committee comprising of Chief Secretary, Haryana (Chairman), Administrative Secretaries to Govt. of Haryana, Revenue, Finance & Planning, Women & Child Development, Development & Panchayats, Transport, School Education, Food, Civil Supplies & Consumer Affairs, Health, Public Health Engineering, Electronics & Information Technology, Urban Local Bodies, Agriculture and Farmers’ Welfare, Skill Development and Industrial Training and Power Departments as members for the promotion and proliferation of digital payments to achieve the target of 72 crore digital transactions allocated by the Govt. of India to the State of Haryana. Out of target of 72 crore digital transactions allocated to the State of Haryana, a target of 43.05 crore digital transactions has been allocated to the banks of Haryana. Against this target, 43.13 crore transactions (100.2%) amounting to Rs.5.54 lakh crore have been performed by banks in the State of Haryana during the year ended March, 2018 through different digital modes thus achieving the allocated target.Bank wise position is given on Annexure No.15 (P-125).



PRADHAN MANTRI AWAS YOJANA (PMAY)-CREDIT LINKED SUBSIDY SCHEME (CLSS)-PROGRESS DURING THE FY 2017-18

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

June, 2015. The Mission is being implemented through four verticals inter alia includes affordable Housing through Credit Linked Subsidy Scheme (CLSS). CLSS is an important component of the Scheme.The progress under the scheme was not showing improvement. As such the Government of India decided to extend the scheme for Middle Income Group beneficiaries as well.


- During the year ended March, 2018 (2017-18), 828 cases amounting to Rs.11810 lakh have been sanctioned, out of which 760 cases amounting to Rs.9387 lakh have been disbursed.

- Out of 828 cases, 89 cases amounting to Rs.821 lakh have been sanctioned to SC/ST beneficiaries and disbursement has been made in 81 cases amounting to Rs.679 lacs.

- Similarly, 176 cases amounting to Rs.1821 lakh have been sanctioned to women and disbursement amounting to Rs.1671 lakh has been made in 180 cases (including the cases sanctioned last year).

Bank wise Progress is given on Annex. No.16 (P-126).

The brief of the schemes is as under:-

Particulars

SchemeEWS/LIG MIG-1 MIG-II

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

The beneficiary family should not own a pucca house either in his/her name or in the name of any member of his/her family in any part of India. A beneficiary family should not have availed central assistance under any housing scheme from Government of India.

Household Income (Rs.p.a.)

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

Above Rs.6.00 lakh upto Rs.12.00 lakh

Above Rs.12.00 lakh upto Rs.18.00 lakh

Eligible Housing Loan Amt. for Interest Subsidy

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

Credit linked subsidy will be available only for loan amounts upto

Interest Subsidy @4% for a tenure of 20 years or during tenure of loan whichever is lowerCredit linked subsidy will be available only for loan

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

Credit linked subsidy will be available only for loan amounts upto


Rs.6.00 lakhs and additional loans beyond Rs.6.00 lakhs, if any, will be at a non-subsidized rate.

amounts upto Rs.9.00 lakhs and additional loans beyond Rs.9.00 lakhs, if any, will be at a non-subsidized rate.

Rs.12.00 lakhs and additional loans beyond Rs.12.00 lakhs, if any, will be at a non-subsidized rate.

Dwelling Unit Carpet Area

EWS- 30 Sq.mLIG-60 Sqm.

120 Sqm 150 Sqm

The State Urban Development Authority, Haryana, Panchkula have provided District wise/Town wise details of 14670 identified beneficiaries under PMMY to SLBC Haryana Secretariat. The same has been forwarded to the concerned Lead District Managers as per Annexure No.17.1-17.2 (P 127-128), with an advice to provide the same to the bank branches operating in the area to contact the beneficiaries for providing them housing loans for constructions of houses under Housing Finance Scheme of their respective bank.

As advised by ACS Finance & Planning Haryana during the 143rd meeting of SLBC Haryana held on 16th Feb., 2018, camps were organized by the LDMs in coordination with Municipal Corporations/Communities of the respective towns. LDMs are requested to apprise the house about the progress made in this regard.

As advised by Principal Secretary, Finance & Planning, Govt. of Haryana, a working group consisting of representatives from Finance Department, Urban Local Bodies and LDMs of Hisar, Sonipat and Palwal has already been formed to discuss the measures and suggest the alternate solutions of the problems/issues of the bankers. The group has been advised to submit its report on the measures and suggestions taken to resolve all the issues.

Representative of Urban Local Bodies, Haryana/SUDA is requested to update the house further in this regard.



AGENDA ITEM NO. 4.1

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

Govt. of Haryana has issued notification on 30.03.2018 for implementation of Pradhan Mantri Fasal Bima Yojana (PMFBY) in the State of Haryana for Kharif 2018 and Rabi 2018-19 Seasons. A copy of the notification has already been sent to the Controlling Heads of SLBC member banks in the State of Haryana.

Gist of the PMFBY is as under:-1. Crops to be covered (Notified Crops)

Kharif 2018 Rabi 2018-19Paddy WheatBajra GramMaize BarleyCotton Mustard & Sunflower

2. INSURANCE UNIT (IU)

The PMFBY will operate on the Principle of “Area Approach” in the Insurance Unit (IU). The IU will be the revenue estate (village)3. AREA TO BE COVERED

The PMFBY will be implemented in the entire state on cluster approach. Districts in clusters are as under:-

Cluster-I (7) Cluster-II (7) Cluster-III (8)Panchkula Ambala Yamuna NagarKurukshetra Karnal PanipatFaridabad Sonipat PalwalKaithal Hisar RohtakSirsa Jind FatehabadBhiwani Mahendergarh JhajjarRewari Gurgaon Mewat

Charkhi Dadri1. COVERAGE OF RISKS AND EXCLUSIONS


The following stages of the crop and risks leading to crop loss will be covered under the scheme:-i) Prevented Sowing/Planting Risk: Coverage of risk in case the insured area is prevented from sowing/plan ting due to deficit rainfall or adverse seasonal conditions.ii) Standing Crop (Sowing to harvesting): Comprehensive risk insurance will be provided to cover yield losses due to non preventable risks, viz. Drought, Dry spells, Flood, Inundation, Pests and Diseases, Landslides, Natural Fire and Lightening, Storm, Hailstorm, Cyclone, Typhoon, Tempest, Hurricane and Tornado.iii) Post-Harvest Losses: Coverage will be available only up to a maximum period of two weeks from harvesting for those crops which are allowed to dry in cut and spread condition in the field after harvesting against specific perils of cyclone, cyclonic rains and unseasonal rains.iv) Localized Calamities: Loss/damage resulting from occurrence of identified localized risks of hailstorm, landslide, and inundation affecting isolated farms will be covered.v) Risk inception date - The risk under PMFBY will commence from the date of notification of the Scheme or date of commencement of season whichever is earlier.vi) Seasonal Discipline:- Crop period for Sunflower will begin for Jan to June.vii) General Exclusions: Losses arising out of war and nuclear risks, malicious damage and other preventable risks (refer Para IV.2 of OGs of PMFBY).

2. IMPLEMENTING AGENCIES

1. Cluster - I -Oriental General Insurance Company Ltd.2. Cluster - II -SBI General Insurance Company Ltd.3. Cluster - III -Universal Sompo General Insurance Company Ltd.6. COVERAGE OF FARMERS

(i) Compulsory Component: All farmers availing Seasonal Agricultural Operation (SAO) loans from financial institutions (i.e. loanee farmers) for the notified crop/s are to be covered compulsorily.(ii) Voluntary Component: The scheme is optional for non-loanee farmers. All farmers who have not availed any crop loan and are willing to get covered under PMFBY can purchase insurance through Banks/Insurance Companies / their designated agents.


7. INDEMNITY LEVEL

The indemnity level will be 90% in case of all the notified crops.Controlling heads of banks are requested to confirm that the Haryana Govt. Notification dated 30th March, 2018 has been provided to all field functionaries of their bank for meticulous compliance of the same so as to avoid the complaints arising out of it.

AGENDA ITEM NO. 4.2

RESOLUTION OF COMPLAINTS UNDER PRADHAN MANTRI FASAL BIMA YOJANA (PMFBY)

During a meeting held under the Chairmanship of the then ACS, Finance & Planning, Govt. of Haryana while referring to complaints of farmers under PMFBY the house was informed that a meeting was convened on 06.02.2018 under the Chairmanship of Principal Secretary, Agriculture & Farmers’ Welfare. The ACS F&P during the deliberations of 143rd SLBC Haryana meeting held on 16.02.2018 had advised the Department to convene a meeting immediately for resolution of all complaints by the month end. As such, a meeting was convened by the office of ACS, F&P, Govt. of Haryana on 15.03.2018.While updating the progress, Shri Jagraj Dandi, Joint Director (Stat) Department of Agriculture & Farmers’ Welfare informed that insurance companies have since honoured most of the claims and majority of complaints have since been resolved, but in 250-odd cases involving amount of approx Rs 3.00 crore, where bankers have wrongly entered name of villages/blocks/unit, the claims are pending and in these cases insurance companies will reverse the premium amount to the concerned bank branch for crediting to farmers’ accounts. CGM NABARD suggested that a certificate be got signed by concerned branch Manager for correcting the mistake and for clearly specifying the beneficiary farmers with all the detail from whose account the premium has been deducted and then insurance companies should honour the claims.

The ACS F&P advised the concerned Department to take up with Central Govt in this regard and ensure to resolve the issue by paying 50% claim amount each by State Govt. and Central Govt and move through Chief


Minister Haryana in this regard, as a special case as the issues pertain to first year of implementation of PMFBY.The representative of Agriculture and Farmers’ Welfare Department, Haryana is requested to apprise the house about the latest progress in this regard.

AGENDA ITEM NO. 5

EASE BANKING (ENHANCED ACCESS & SERVICE EXCELLENCE)-BANKING WITHIN 5 KMS. OF EVERY VILLAGE

The massive recapitalization of PSBs was approved by the Govt. of India in October 2017. In this context, Ministry of Finance has sent a Public Sector Banks (PSBs) reforms Agenda for Responsive & Responsible PSBs, with item-wise time frames for implementation of the same. Capital infusion in the banks as announced by the Govt. of India would be dependents on banks committing to the reforms and their performance on the reforms Agenda.One of the agenda of EASE (Enhanced Access & Service Excellence) is Near HomeBanking by providing banking outlet within 5 Kms of every village as approved by SLBCs. It depicts that all the villages where banking outlets are not available within 5 Km reach are to be identified and these villages are to be allotted to the concerned banks for opening the banking outlets.SLBC Haryana had advised the Lead District Managers of Haryana to identify the villages where banking services are not available within 5 km of each village of their respective district. It has been observed that 154 villages have been identified in District Hisar, Jhajjar, Karnal, Kurukshetra, Mahendergarh, Sirsa and Sonipat. Remaining LDMs have confirmed that banking services (bank branch/BCA Network) are available within 5kms of each village of their district.


On the basis of information received from LDMs, SLBC Secretariat has compiled District wise and Bank wise position which is given on Annexure No.18 (P-129) for information and reference of the SLBC member banks and LDMs as well. Bank wise position where banking outlets are to be opened is as under:-

S.No.

Name of the Bank

No. of villages allocated

S.No.

Name of the Bank


1 BOB 3 10 UBI 42 Canara 2 11 UCO 33 CBI 8 12 Vijaya 14 Corporatio

n4 13 SHGB 38

5 IDBI 3 14 Axis 16 OBC 14 15 Federal 17 PNB 18 16 HDFC 118 P&SB 5 17 ICICI 49 SBI 32 18 Kotak Mahindra 2Total 89 Total 65Grand Total 154

The Controlling heads of concerned banks are requested to provide banking outlet including appointing Business Correspondent in the allocated village (s) to ensure that banking services are provided facilitating EASE Banking.

LDMs of all districts are once again advised to thoroughly go through the banking network available in all the villages of their district. If there is any change in the identification of villages then the same may please be conveyed to SLBC Haryana Secretariat latest by 25th May, 2018 for necessary modification in the bank wise allocation of villages.

The house may deliberate.


AGENDA ITEM NO. 6

OPENING OF BRICK & MORTAR BRANCHES IN VILLAGES WITHOUT A BANK BRANCH WITH POPULATION MORE THAN 5000

Bank wise progress as at 31st March, 2018 is given below:-S. No.

Bank


Branches/Banking Outlets opened

Banking Outlets yet to be opened

Latest Status conveyed by the bank

1 Allahabad 1 12 Andhra 1 13 BOB 5 4 14 Canara 2 25 C B I 9 1 8 Matter is under process6 Corpn.

Bank1 1

No reply received7 IDBI Bank 1 1 No reply received8 OBC 18 4 14 No reply received9 P N B 47 45 2 Banking outlets shall be

opened by 31.05.201810 P S B 2 211 S B I 38 2 36 28 BCAs appointed but

confirmation as per RBI Cir.dt.18.5.17 is awaited.

12 Syndicate 7 7 -13 U B I 4 414 UCO 1 1 No reply received15 HDFC

Bank3 3 3 BCAs appointed but

confirmation as per RBI Cir.dt.18.5.17 is awaited.

16 ICICI 1 117 SHGB 53 17 36 BCs have already been

appointed by the bank in the allocated villages.SLBC has taken up the matter with RBI to allow SHGB to open banking


outlets in their allocated villages as per RBI Cir. Dt. 18th May, 2017 but response from RBI is awaited

TOTAL 194 91 103Bank wise /District wise progress is placed on Annexure No.18.1-18.2 (P 130-131).

Representatives of RBI may deliberate upon the above.

During the review of progress in the Ist meeting of Steering Committee to SLBC Haryana held on 3rd May, 2018 the representatives of banks were informed that RBI has clarified that the banks under PCA can open banking outlets as per RBI circular dated 18th May, 2017 which has already been conveyed to the concerned banks by SLBC Secretariat on 19th Feb., 2018, letter dated 1st March, 2018 and e-mail dated 17th April, 2018 but the banking outlets by the banks in their allocated villages i.e. Central Bank of India (8), Corporation Bank (1), IDBI Bank (1), Oriental Bank of Commerce (14) are yet to be opened. Besides, SBI (28) and HDFC Bank (3) are yet to confirm that banking outlets are as per RBI Circular dated 18.05.2017.

Controlling heads/representatives of above banks are requested to apprise the house about the latest status of their bank in this regard.

The House may discuss.

AGENDA ITEM 7.1

OPENING OF FINANCIAL LITERACY CENTRES (FLCs) AT BLOCK LEVEL

As at 31.03.2018, 143 FLCs (including FLCs of Cooperative Banks & 10 opened by CRISIL) were functional in 122 blocks of the State of Haryana. The following 3 blocks remained uncovered as at March, 2018:-

S.No.

Name of the bank

FLCs yet to be opened in blocks

Latest Status & Action emerged

1. Oriental Bank of Commerce

1-Jakhal (Fatehabad)

Advertisement released again on 13.04.2018 and applications were invited by 1st May, 2018 but till date no application has been


received.2. State Bank of

India2-Loharu (Bhiwani), Bhattu (Fatehabad)

Applications received and process of selection of FL Counselors shall be completed by 2nd week of May, 2018 by their LHO Chandigarh

Total 3Representatives of State Bank of India and Oriental Bank of Commerce are requested to apprise the house about the progress with regard to opening of FLCs in the remaining blocks.

Controlling heads of banks particularly Central Bank of India, Punjab & Sind Bank and State Bank of India are requested to ensure that independent FLC counselors are appointed and proper infrastructure i.e. space, computer, printer, Financial Literacy Material etc is provided for smooth functioning of the FLCs. The house may discuss.

AGENDA ITEM 7.2

FINANCIAL LITERACY CENTRES (FLCs)–PROGRESS DURING THE Q.E.MARCH, 2018 (2017-18)

From the progress report of FLCs during the quarter ended March, 2018, it has been observed that:-

1541 Going Digital Camps were organized by 133 FLCs (Including Cooperative Banks) during the quarter ended March, 18.

1927 Targets Specific camps were organized by the 133 FLCs in the State of Haryana during the quarter ended March, 18.

The house may review. AGENDA ITEM 7.3

FINANCIAL LITERACY CENTRES (FLCs) OPENED UNDER CFL PROJECT–PROGRESS DURING THE Q.E.MARCH, 2018 (2017-18)

As pilot project of RBI, 5 FLCs have been opened by PNB under Centre for Financial Literacy (CFL) Project of CRISIL.


Progress of these FLCs during the quarter ended March, 2018 is as under:-

Money Wise Centre for Financial Literacy (CRISIL) Quarterly Progress Report of Key Activities undertaken during

the period Jan., 18 to March, 2018

Key Activities (Jan-March,2018)District Karnal Panipat TotalS. No.

Parameters Block BlockIndri Nissin

gAssandh

Smalakha

Israna

1 No. of Villages Covered

54 48 45 32 32 211

2 No. of Flipbook-based trainings Conducted

264 384 198 250 307 1403

3 No. of A/V based trainings Conducted

11 9 7 27 24 78

4 No. of Awareness Camps Conducted

17 17 35 12 11 92

5 No. of Walk-ins 116 36 112 153 163 5806 No. of People

directly Reached 1921 1711 2044 2231 3255 11162

7 No. of Linkage Established

78 110 513 213 270 1184

Progress of 5 FLCs opened under Centre for Financial Literacy (CFL) Project by Syndicate Bank during the quarter ended March, 2018 is as under:-

Key Activities (Jan.,18-March,2018)District Mewat Gurugram TotalSr Parameters Block Block


. No

Tauru Nagina

F.P.Jhirka

Sohna Pataudi

1 No. of Villages Covered

14 15 15 38 22 104

2 No. of Flipbook-based trainings Conducted

55 153 125 111 87 531

3 No. of A/V based trainings Conducted

15 35 24 57 55 186

4 No. of Awareness Camps Conducted

14 15 15 38 22 104

5 No. of Walk-ins 118 76 238 229 109 7706 No. of People

directly Reached 1817 1905 2254 4292 2251 1251

97 No. of Linkage

Established1524 1523 1241 437 534 5259

The house may review.AGENDA ITEM 7.4

FINANCIAL LITERACY–HOLDING OF ONE CAMP PER RURAL BRANCH PER MONTH-PROGRESS DURING THE QUARTER ENDED MARCH, 2018 (2017-18)

Progress made by rural branches of banks in organizing Financial Literacy Camps during the quarter ended March, 18 is given below for information of the house:-

2116 rural branches of banks have conducted 12704 Financial Literacy Camps during the quarter ended March, 2018.

Financial Literacy plays a pivotal role towards achieving 100% Financial Inclusion. The controlling heads of banks are requested to advise their rural branches to organize more and more financial literacy camps for different target groups with the assistance of Financial Literacy Counselor of their bank/area to ensure that 100% Financial Inclusion could be achieved.Bank wise/District wise Progress is given on Annexure No.19.1 & 19.2 (P 132-133).


Controlling heads of banks are requested to ensure that their rural branches conduct at least one Financial Literacy Camps every month so as to achieve 100% Financial Inclusion. ISSUES FLAGGED BY THE STATE GOVERNMENTAGENDA ITEM NO. 8

FINANCIAL ASSITANCE TO COBBLERS UNDER DRI SCHEME

As per the advice of Hon’ble Chief Minister of Haryana bankers were requested to extend DRI loans to all cobblers in the State of Haryana for making of their khokhas. Deptt of Finance, Govt. of Haryana had also advised all Deputy Commissioners to prepare list of cobblers and circulate the same to all banks operating in their respective districts in order to ensure that required finance under DRI is provided to them.

The controlling heads were advised to issue necessary instructions to their field functionaries to consider loan applications of cobblers on merits.

SLBC Secretariat has also advised all LDMs of Haryana to coordinate with the Deputy Commissioner/Additional Deputy Commissioner of their respective district and identify the cobblers who are in need of financial assistance so that DRI Loans could be extended to them by the banks for their Khokhas (work place).

As per the progress received from LDMs 304 loans amounting to Rs.34 lakh have been sanctioned to cobblers and disbursement amounting to Rs.23 lakh has been made in 205 cases. Bank wise/District wise Progress is given on Annexure No.20.1 & 20.2 (P 134-135).

No progress has been received from District Faridabad, Gurugram, Mewat and Palwal in this regard. LDMs of these districts are requested to apprise the house about the progress made in this regard.


AGENDA ITEM NO. 9

NON-PAYMENT OF COMMISSION TO BANKS ON ACCOUNT OF DISBURSEMENT OF SOCIAL SECURITY PENSIONS & NON- SIGNING OF MOU BY SOCIAL JUSTICE


& EMPOWERMENT DEPARTMENT, HARYANAThe issue of non-payment of commission to banks on account of disbursement of social security pensions & non- signing of MOU by Social Justice & Empowerment Department, Haryana was discussed in 143rd meeting of SLBC Haryana held on 16th Feb., 2018. In his key-note address, Principal Secretary, Social Justice & Empowerment, Haryana took up this issue in detail and Shri P. Raghavendra Rao, IAS, the then Additional Chief Secretary suggested to hold separate meeting in order to resolve the matter.Thereafter, a number of meetings have been held but the issue still remains unresolved. SLBC Member banks are repeatedly requesting SLBC to take up the issue with the State Government for immediate payment of upto date commission due to their bank.

In the meeting convened by SLBC on 26th March, 2018 Convener SLBC was unanimously requested by all participants that SLBC should take up with the Govt. of Haryana to resolve the long pending issue within one month and MoU must be got signed between SJE Deptt and respective banks within this period else the department may like to make alternate arrangements. As such, Convener SLBC on behalf of all banks participating in disbursement of Social Security Pensions in the State vide its letter dated 9th May, 2018 has requested Principal Secretary to Govt. of Haryana, SJE to intervene in the matter so that the MOU is signed at the earliest and the arrear of commission due to banks is released without further delay as deliberated in the 143rd SLBC meeting. The house may deliberate.

AGENDA ITEM NO. 10

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

Government of Haryana is in the process of providing relief to general public residing in unauthorized colonies such as civic amenities and infrastructure deficient areas, under the Haryana Management of Civic


Amenities and Infrastructure Deficient Municipal Areas (Special Provisions) Act, 2016 by way of gazette notification. The objective of the Act is to provide basic amenities and services like water supply, sewerage and drainage, road and street lighting. Along with the notification, the development charges to be levied will also be notified. Recently, colonies of MC Gurugram and Faridabad have been notified vide notification dated 06.12.2017. The Hon’ble Chief Minister, Haryana, convened a special meeting on 03.01.2018 with all the stake-holders including Convener, SLBC Haryana and LDMs of Gurugram and Faridabad to discuss the possibility and action plan for financing the developmental charges by the banks at all places where these unauthorized colonies have been authorized by the State Govt. In the meeting, the Hon’ble Chief Minister of Haryana desired that this fund may be financed by banks to the residents of these colonies who are unable to pay the developmental charges from their own sources.Being a policy matter for all banks, to discuss various aspects in financing to the public for payment of developmental charges to the State Government a meeting was convened by Convener SLBC Haryana on 11th January, 2018.After detailed deliberations over the issue, the following main features emerged for the proposed scheme to finance the development charges:-

The borrower should not be defaulter of any bank/financial institution.

The quantum of loan shall be minimum Rs 0.50 lakh and maximum Rs 2.50 lakhs.

The borrower will submit ITR/salary slip/Affidavit of income, as proof of income.

The repayment period shall remain 5 to 7 years. The repaying capacity of the borrower shall be examined by

Branch Manager while financing. Property/house shall be numbered/identifiable and property

area should be mentioned in the registry.


The banks will create equitable mortgage of the house for which development charges are being financed.

The title-deed will be got prepared by borrower and shall be submitted with the Bank for creating equitable mortgage and Permission to Mortgage the property shall be given by Govt of Haryana by way of Notification in all the cases collectively.

All these loans will be guaranteed by Government of Haryana by way of Notification to be issued by State Government.

The rate of interest applicable to these loans shall be rate applicable to Housing Loan accounts by the respective bank which may differ from bank to bank.

Any other term or condition which is necessarily required by the bank to enforce from legal point of view.

In view of the above requirements of the banks, Department of Urban Local Bodies, Haryana Panchkula vide their communication dated 28th

Feb., 2018 have informed that Govt. has approved the policy mechanism for the areas already declared/to be declared as Civic Amenities and Infrastructure Deficient Areas under the Haryana Management of Civic Amenities and Infrastructure Deficient Municipal Areas (Special Provision) Act, 2016.

The banks have been empowered to perform following actions while granting loan/finance:-

1. The banks may create equitable mortgage of the house for which development charges are being financed.

2. In case of default of payment by the applicant, the bank shall not take immediate action under SARFAESI Act but inform the municipality. The municipality shall take punitive action within 3 months against the applicant by temporary disconnection of water and sewerage, electricity etc. Thereafter, if need arises, the concerned bank may proceed under SARFAESI Act after informing the District Administration.

3. The banks will create equitable mortgage of the house for which development charges are being financed.


4. The branch manager shall examine the borrowing capacity of the applicant based on the following documents and fulfilling the conditions while approving loan/finance :-

i) The applicant shall not be defaulter of any bank/financial institution.

ii) The quantum of loan provided shall be upto a maximum of Rs. 3.00 lakh.

iii) The applicant shall submit ITR/Salary Slip/Affidavit of Income as proof of income.

iv) The repayment period shall remain 5-7 years.v) The applicant shall get prepared title deed of the property

and shall submit to the bank for creating equitable mortgage. The property document shall inform property area in the registry.

5. The rate of interest applicable to these loans shall be at appropriate rate applicable to housing loan.

6. Any other terms and conditions which is necessarily required by bank to enforce from legal point of view.

The approved policy mechanism has already been sent to all SLBC member banks vide Convener Bank letter dated 19.03.2018 with a request take up the matter with their respective Corporate Office for approval of the same for implementation of the scheme by their bank branches in the State of Haryana accordingly. The house may discuss.

AGENDA ITEM NO. 11 SWACHH VIDYALAYA CAMPAIGN Under the “SWACHH VIDYALAYA CAMPAIGN” launched by Govt. of India, the CSR activities like construction of Toilets for girl students, provision of Library & Sports Kit in Govt. Schools etc. in the adopted villages of banks are to be undertaken.As per report received from banks, upto March 2018, 209 toilets have been constructed in 181 schools of 155 villages of Haryana, besides


other activities like opening of library cum reading rooms, providing sports kits etc. in the schools have also been undertaken by banks. Bank wise progress as at March 2018 is given on Annexure No. 21 (P-136).The house may review.

AGENDA ITEM NO. 12

REVIEW OF PERFORMANCE UNDER KEY PARAMETERS AS AT MARCH 2018 (COMMERCIAL BANKs AND RRBs)

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

(Amt. Rs. in Crore)Parameters March,

2016March, 2017

March, 2018

Variation March 18/March 17

(Absolute and %age terms)

No .of Branches 4493 4698 4718 20 (0.43%)Deposits 24365

029668

3340128 43445 (15%)

Advances 192145

197107

237187 40080 (20%)

PS Advances 10646 11239 130010 17615 (16%)


7 5Agriculture 43422 46041 49429 3388 (7%)MSME 48193 49854 60467 10613 (21%)Other PS 14852 16500 20114 3614 (22%)Advances to WS 23976 25094 25466 372 (1.5%)Advs. under DRI Scheme

23.07 24.66 14.24 -10.42 (-42%)Due to data correction

Bank-wise data is given on Annexure No.22.1-22.6 (P 137-142)While reviewing the progress under key-parameters, following trends have been observed:-12.2 BRANCHESDuring the financial year 2017-18, 20 branches of Commercial Banks and RRBs have been added thereby raising the total number of bank branches in the State to 4718 as at March 2018 from 4698 branches as at March 2017. Area wise analysis with regard to Branch Expansion is summarized below:-No. of Branches

As At VariationMarch,2016

March,2017

March, 2018

March 18/March 17 (Absolute)

Rural 1746 1678 1676 -2Semi Urban 1085 1206 1188 -18Urban 1662 1814 1854 40Total 4493 4698 4718 20Note: Negative growth of rural/semi-urban branches is due to merger/closure of branches of erstwhile SBOP by SBI.This is for information of the House. 12.3 DEPOSITSTotal deposits have increased by Rs.43445 Crore from Rs.296683 Crore as at March 2017 to Rs.3,40,128 Crore as at March 2018, showing a YoY growth of 15%. Area-wise analysis of Deposit Mobilization has been summarized below:-

(Amt. Rs. in Crore)As at Variation


Aggregate Deposit

March,2016

March,2017

March, 2018

March 18/March 17

(Absolute) % age

Rural 32358 36799 40493 3694 10%Semi Urban

40762 51075 53863 2788 5%

Urban 170530 208809 245772 36963 18%Total 243650 296683 340128 43445 15%12.4 ADVANCES

Total advances have increased by Rs.40080 Crore from Rs.197107 Crore as at March 2017 to Rs.237187 Crore as at March 2018 registering a YoY growth of 20%. Further, area-wise analysis of Aggregate Advances has been summarized below:-

(Amt. Rs. In Crore)Aggregat

e Adv.As At Variation

March,2016

March,2017

March, 2018

March 18/March 17

(Absolute)

% age

Rural 33973 23742 29196 5454 23%Semi Urban

32531 34751 38216 3465 10%

Urban 125641 138614 169775 31161 22%Total 192145 197107 237187 40080 20%

12.5 PS ADVANCESAdvances under Priority Sector have increased from Rs.112395 Crore as at March 2017 to Rs.130010 Crore as at March 2018, thus witnessing an increase of Rs.17615 Crore and YOY growth of 16%.

(Amt. Rs. In Crore)Sector March,

2016March,2017

March, 2018


Absolute %age


Priority Sector

106467 112395 130010 17615 16%

12.6 AGRICULTURE ADVANCESTotal outstanding under agriculture advances have increased from Rs.46041 Crore as at March 2017 to Rs. 49429 crore as at March 2018, showing an increase of Rs.3388 crore thereby showing YOY growth of 7%.

(Amt. Rs. In Crore)

Sector March,2016

March,2017

March, 2018


Absolute %ageAgriculture Sector

43422 46041 49429 3388 7%

12.6-(i) NPAs UNDER AGRICULTURE AS AT 31st MARCH 2018(Amt Rs. in Crores)

Total Outstanding under Agriculture

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

Agriculture Advs.A/cs Amt. A/cs Amt.1501810 49429 151696 4262 9%

Bank wise position is given at Annexure No. 22.7 (P-143)

It is requested that the State Govt. should come forward in reducing the NPAs under agriculture sector by accelerating recovery under HACOMP Act.

12.7 MICRO, SMALL & MEDIUM ENTERPRISES (MSMEs) Advances to Micro, Small & Medium Enterprises have increase by Rs.10613 crore from Rs.49854 Crore as at March 2017 to Rs.60467 Crore as at March 2018 thereby registering a YoY growth of 21%.


2016March,2017

March, 2018



Absolute %ageMSME Sector

48193 49854 60467 10613 21%

12.8 ADVANCES TO WEAKER SECTORAdvances to Weaker Sector increased by Rs.372 Crore on year-on-year basis from Rs.25094 Crore as at March 2017 to Rs.25466 Crore as at March 2018 showing a YoY growth of 1.5%.


2016March

,2017

March2018

Variation March 18/

March 17Absolute %age

Weaker Sector Advs.

23976 25094 25466 372 1.5%

12.9 DRI ADVANCES-REVIEW OF PROGRESS After taking into account the data correction of a bank, the DRI advances have decreased by Rs.10.42 Crore from Rs.24.66 crore as at March 2017 to Rs.14.24 Crore as at March 2018, registering a negative YoY growth of 42%.

Banks in the State of Haryana have sanctioned 3931 loans amounting to Rs.5.59 crore under DRI Scheme during the financial year ended March, 2018.

Bank-wise position is available at Annexure No 22.8 (P-144).Further, under DRI scheme, 304 loans amounting to Rs.34 lakh have been sanctioned by banks to cobblers and disbursement amounting to Rs.23 lakh has been made in 205 cases.

Bank-wise & District wise position is available at Annexure No 20.1 & 20.2 (P 134-135).

AGENDA ITEM NO.13.1 N A T I ON A L G O A L SGOAL ACH.

MARCH, 2016

ACH.MARCH,

2017

ACH.MARCH 2018

CD Ratio (Total) - 79% 66% 70%CD Ratio (Rural) 60% 105% 65% 72%


CD Ratio (S Urban)

60% 80% 68% 71%

PS to total Advances

40% 59% 58% 66%

Agri. to total Advs.

18% 24% 24% 25%

WS Advances to Total Advances

10% 13% 13% 13%

Small & Marginal Farmers

8% 9% 10% 9%

Micro Enterprises 7.5% 9% 10% 12%Export Credit 2% 0.06% 0.12% 0.11%The Bank-wise position under National Goals is available in Annexure No. 22.9 (P-145).Highlights of performance of Banking Sector under prescribed National Goals are as under:-

Under Priority Sector, the performance of the banking system is 66%, which is above the prescribed National goal of 40%.

Similarly, under Agriculture Sector, the achievement is 25%, which is also above the National goal of 18%.

The ratio of WS Advances to total advances is 13% as against the National Goal of 10%.

Likewise, under Small & Marginal Farmers the achievement is 9% against the target of 8%.

Further, under Micro Enterprises the achievement is 12% as against target of 7.5%.

Export Credit is 0.11% against the target of 2%.OVERALL CD RATIOWhile calculating the overall CD ratio, member banks are requested to adhere to the instructions of RBI contained in their circular no RPCDLDS.BC No 47/2.13.03/2005-06 dated 9.11.2005 which, inter alia states that the CD Ratio at State Level should be calculated with the credit at the place of utilization.

The comparative position of overall CD Ratio is as below:-Period CD Ratio %age Variation

MARCH, 2015 84%


MARCH, 2016 79% -5ppsMARCH, 2017 66% -13ppsMARCH 2018 70% 4pps

Observations:Overall CD Ratio of Banks in State of Haryana as at March 2018 has improved by 4 pps when compared to the position as at March 2017.The CD ratio of Bank of Baroda (51%), IDBI Bank (36%), Indian Bank (55%), Oriental Bank of Commerce (47%), Union Bank of India (52%), United Bank of India (59%), DCB Bank (49%), Ratnakar Bank Ltd. (36%), South Indian Bank (39%) and Yes Bank (25%) which needs considerable improvement as the same is very low. The Bank-wise CD Ratio has been given at Annexure No. 22.2 (P-138).As at March, 2018 No District was having CD Ratio less than 40%.However, CD Ratio of Financial System (excluding Cooperative Banks) in District Ambala (51%), Faridabad (57%), Gurugram (49%), Jhajjar (45%), Mewat (46%), Narnaul (45%), Palwal (61%), Rewari (43%), Rohtak (41%), Sonepat (50%) and Yamuna Nagar (58%) is still below the stipulated level of 60%, which needs concerted efforts to be made by the banks and LDMs of these districts for further improvement.

The District-wise CD Ratio has been given at Annexure No. 23 (P-146).

This is for information of the house.


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

CD Ratio (TOTAL) GOAL

MARCH 2016

MARCH 2017

MARCH

2018Banking System (CBs & 60% 79% 66% 70%


RRBs)Financial System including Cooperative Banks

60% 82% 69% 72%

CD Ratio (Financial System) with RIDF

60% 83% 70% 73%

Overall CD Ratio in respect of Commercial Banks, RRBs excluding Cooperative Banks as at March 2018 is 70%. However, with cooperative banks it is 72%.

There is an increase of 1% in CD Ratio (from 72% to 73%) when the amount of RIDF i.e. Rs.4713 Crore is included in total credit of Financial System.

The house may review.AGENDA ITEM NO. 14

CREDIT+INVESTMENT IN STATE GOVT. BONDS TO DEPOSIT RATIO

After adding the figures of Rs 9619 Crore of investment made by banks in the State Govt. Bonds with total credit of Rs.237187 Crore (excluding Cooperative banks) the credit + investment to deposit ratio works out to 73%.This indicates that besides credit deployment, large funds have also been invested by the banking system in State Government securities, which are ultimately utilized for the economic development of the State. The Bank-wise position is given at Annexure No. 24 (P-147).This is for information of the house.


POTENTIAL LINKED PLANS (PLP)-PROJECTIONS FOR THE YEAR 2018-2019

NABARD, RO, Haryana has made potential Linked plan for the year 2018- 2019 for the state of Haryana. A comparative chart showing Broad Sector wise PLP Projections for the year 2017-2018 and 2018-


2019 is given below:-

(Rs in Crore)Sector 2017-2018 2018-2019 Variation

Amount & %ageCrop Loan 48735 52282 3547 (7.3%)Agriculture Term Loan

22265 24386 2118 (9.5%)

Total Agri. Loan 71000 76668 5668 (8%)MSME 25289 27365 2076 (8.2%)OPS 16947 16953 6 (0.04%)Total 113236 120986 7750 (6.8%)District wise Potential Linked Projections (PLP) for the financial year 2018-19 received from NABARD are given on Annex.No.25.1-25.2(P 148-149).

SLBC Secretariat had advised the Lead District Managers to prepare District Credit Plan (DCP) for the year 2018-19 keeping in view the PLP of their districts. LDMs have prepared ACP for their respective districts and have submitted the same to SLBC Secretariat. SLBC Secretariat has compiled bank wise and district wise targets under Annual Credit Plan 2018-19 for the State of Haryana.On the basis of compilation of targets, Institution wise allocation of targets under Annual Credit Plan 2018-19 are as under:-

Amt. Rs. In CroreSector Commerci

al BanksRRBs Cooperative

Banks & Others

Total

Crop Loan 34606 5835 11193 51634Agriculture Term Loan

17935 2371 3833 24139

Total Agri. Loan 52541 8206 15026 75773MSME 25414 572 3009 28995OPS 15381 764 405 16550Total 93336 9541 18440 12131

7From the State wise allocation of targets under Agriculture Sector for the FY 2018-19 by Govt. of India on PAN India basis,


Institution wise targets allocated to the State of Haryana are as under:-

(Amt. Rs. in crore)

Agency Crop Loan Term Loan Total

Commercial Banks 30848 21118 51966

Cooperative Banks 7859 650 8509

Regional Rural Banks

4745 1792 6537

Total 43452 23560 67012

Institution wise targets allocated by LDMs under Agriculture Sector are as under:-

(Amt. Rs. in crore)

Agency Crop Loan Term Loan Total

Commercial Banks 34606 17935 52541

Cooperative Banks 11193 3833 15026

Regional Rural Banks

5835 2371 8206

Total 51634 24139 75773

Bank wise & District wise targets are given at Annex.No.25.3-25.8 (P 149A-149F).The house may discuss and approve the targets. AGENDA ITEM NO. 15.2

PERFORMANCE UNDER ANNUAL CREDIT PLAN (ACP) DURING THE F.Y. ENDED MARCH 2018 (2017-18)

Progress under Annual Credit Plan (2017-18) during the year ended March 2018 is given below:-

(Amount Rs. in Crore)Sector Annual

Target Ach. % Ach

Crop Loan 48735 45748 94%


Agri. Investment Credit 22269 14602 66%Total Agriculture & allied activities

71004 60350 85%

MSMEs 24516 24802 101%Other Priority Sector 15822 10736 68%Total Priority Sector 111342 95888 86%

Institution-wise & Sector-wise ACP Achievement vis-à-vis Prorata Targets 2017 –2018 during the year ended March 2018 is as under:-

(Amount Rs. in Crore)Lending Institution

Agriculture MSME OPS Total Priority SectorTgt. Ach %

age

Tgt. Ach %age

Tgt. Ach %age

Tgt. Ach %age

Public & Pvt. Sec. Banks

49278 41736 85 22622 23401 103 14623 9644 66 86523 74781

86

RRBs 7769 7580 98 685 774 113 789 222 27 9243 8576 93Coop Banks & Others

13957 11034 79 1209 626 52 410 870 212 15576 12530

80

Total 71004

60350

85 24516 24801

101 15822 10736

68 111342

95887

86

Bank-wise/Achievement vis-à-vis Targets under ACP during the period ended March 2018 are given on Annexure No.26.1-26.3 (P 150-152). Observations:-

%age Achievement under Agriculture, MSME, Other Priority Sector and Total Priority Sector as at March 2018 against the annual targets has been 85%, 101%,68% and 86% respectively.

As against the annual target of Priority Sector advances of Rs.111342 Crore, Banks have disbursed loans to the tune of Rs.95887 Crore up to March 2018. The achievement comes to 86%.

Against the annual target Rs.71004 Crore under Agriculture & allied Activities, Banks have disbursed loans amounting to Rs.60350 Crore. The achievement comes to 85%. Achievement under Crop Loans and Term Loans has been 94% and 66% respectively.


Banks have disbursed loans amounting to Rs.24801 Crore against the annual target of Rs.24516 Crore set for Micro, Small & Medium Enterprises (MSMEs) during the year ended March 2018. The achievement comes to 101%.

Banks have disbursed loans to the tune of Rs.10736 Crore under Other Priority Sector against the annual target of Rs.15822 Crore. The achievement comes to 68%.

District wise Sector wise progress (%age Achievement) under Annual Credit Plan 2017-18 against the Annual Target for the year ended March 2018 is given below:-

S.No.

District SectorAgricultur

eMSME OPS Total Priority

Sector1 Ambala 73% 94% 74% 77%2 Bhiwani 89% 86% 87% 89%3 Charkhi Dadri 86% 81% 83% 86%3 Faridabad 88% 105% 109% 104%4 Fatehabad 92% 91% 123% 94%5 Gurugram 91% 132% 39% 90%6 Hisar 86% 116% 60% 89%7 Jhajjar 76% 75% 31% 70%8 Jind 106% 69% 85% 102%9 Kaithal 82% 84% 45% 79%10 Karnal 85% 56% 127% 75%11 Kurukshetra 86% 77% 91% 85%12 M.Garh 72% 127% 97% 79%13 Mewat 46% 45% 30% 44%14 Palwal 80% 88% 53% 77%15 Panchkula 129% 114% 102% 116%16 Panipat 101% 89% 83% 93%17 Rohtak 63% 112% 14% 62%18 Rewari 64% 91% 29% 60%19 Sirsa 84% 204% 78% 93%


20 Sonepat 57% 367% 37% 81%21 Yamuna

Nagar105% 106% 98% 104%

Total 85% 101% 68% 86%

This is for information of the house.

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

Against the target of Rs.111342 Crore, the banks have disbursed loans amounting to Rs.95887 Crore under Total Priority Sector during the year ended March, 2018. The achievement works out to be 86%.

As against the target of Rs.86522 Crore, Public & Private Sector Banks have disbursed loans amounting to Rs.74781 Crore. The achievement works out to be 86%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.8576 Crore under Priority Sector as against the annual target of Rs.9243 Crore thus showing achievement of 93%. Whereas, the Cooperative Banks & others have disbursed loans amounting to Rs.12530 Crore against the annual target of Rs.15577 Crore. The achievement comes to 80%.

Agriculture & Allied Activities Against the annual target of Rs.71004 Crore, banks have

disbursed loans amounting to Rs.60350 Crore. The achievement works out to be 85%.

As against the target of Rs.49278 Crore under this sector, the Public & Private Sector Banks have disbursed loans amounting to Rs.41736 Crore, the achievement comes to 85%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.7580 Crore under this sector as against the target of Rs.7769 Crore, the achievement comes to 98%.


The Cooperative Banks have disbursed loans amounting to Rs.11034 Crore against the target of Rs.13957 Crore, thus achievement comes to 79%.

Micro, Small & Medium Enterprises/Non-Farm Sector Against the annual target of Rs.24516 Crore, the banks

have disbursed loans amounting to Rs.24801 Crore under MSME Sector. The achievement works out to be 101%.

As against the target of Rs.22622 Crore under this sector, Public & Private Sector Banks have disbursed loans amounting to Rs.23401 Crore. The achievement comes to 103%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.774 Crore under this sector as against the target of Rs.685 Crore; the achievement comes to 113%.

The Cooperative Banks & others have disbursed loans amounting to Rs.626 Crore against the target of Rs.1209 Crore; the achievement works out to 52%.

Other Priority Sector Against the annual target of Rs.15822 Crore, the banks

have disbursed loans amounting to Rs.10736 Crore. The achievement works out to be 68%.

As against the target of Rs.14623 Crore under this sector, the Public & Private Sector Banks have disbursed loans amounting to Rs.9644 Crore. The achievement works out to 66%.

Sarva Haryana Gramin Bank has disbursed loans amounting to Rs.222 Crore under Other Priority Sector as against the target of Rs.789 Crore, thereby showing achievement of 27%.

The Cooperative Banks have disbursed loans amounting to Rs.870 Crore against the target of Rs.410 Crore; the achievement works out to 212%.

District-wise Achievement vis-à-vis Targets under ACP during the year ended March 2018 is given on Annexure No.26.4-26.6 (P 153-155). The House may review.

AGENDAITEM NO. 16.1

REVIEW OF PROGRESS UNDER DAIRY ENTREPRENEURSHIP DEVELOPMENT SCHEME (DEDS) UPTO MARCH 2018 (2017-18)


-The Dairy Entrepreneurship Development Scheme (DEDS) is being implemented through NABARD and Nationalized banks.

-DEDS is the only direct beneficiary oriented scheme covering loaning in the entire value chain from cattle procurement to sale of milk through outlets.

Progress under the scheme for the period ended March 2018 is as under:-

Amt. Rs. In lakhsCategor

yNo. of

applications Recd.

No. of applications sanctioned No. of application

s forwarded to NABARD

Units Amt. Units Amt. Units Amt. Units

Amt. Units

Amt.

General Category

SC/ST Beneficiarie

s

Total

Men 1269 3279

1000 2528 260 511 1260

3039

606 1281

Women 723 2114

511 1353 202 548 713 1901

319 840

Total 1992 5393

1511 3881 462 1059

1973

4940

925 2121

The Bank wise position is available in Annexure No. 27.1-27.3 (P 156-158).The house may review.

AGENDAITEM NO. 16.2

AREA DEVELOPMENT SCHEME (ADS) OF COMMERCIAL DAIRY FOR THE STATE OF HARYANA-TARGETS FOR 5 YEARS (2018-19 TO 2022-23)

During the deliberations of 1st meeting of Steering Committee to SLBC Haryana held on 3rd May, 2018, representative of NABARD, Haryana


Regional Office Chandigarh and communication dated 8th May, 2018 have informed that Area Development Scheme (ADS) of Commercial Dairy for 22 districts of the State of Haryana has been finalized with the help of LDMs/line departments. Under the scheme a target for financing of 24343 units amounting to Rs.20691 lacs has been finalized for 5 years i.e. 2018-19 to 2022-23. Bank wise and District wise target is given on Annexure No.28.1 & 28.2 (P 159-160).

Controlling heads of banks are requested to allocate the target amongst their branches and advise them to make strenuous efforts to achieve the allocated target.

AGENDAITEMNO. 16.3

AREA DEVELOPMENT SCHEMES (ADS) (8 ACTIVITIES) IN THE STATE OF HARYANA-TARGETS FOR 5 YEARS (2018-19 TO 2022-23)

Similarly, NABARD, Haryana Regional Office Chandigarh vide their communication dated 8th May, 2018 have informed that in order to boost the term lending portfolio in the State, 44 district specific Area Development Schemes (2 per district) covering 8 activities for 5 years i.e. FY 2018-19 to FY 2022-23) have also been formulated. One consolidated Area Development Scheme covering all 44 plans has also been prepared. Under the scheme a target for financing of 110405 units amounting to Rs. 268569 lakhs has been allocated. Scheme wise/Area wise details of physical and financial targets i.e. bank loans have been given on Annexure No. 29.1-29.3 (P 161-163).

NABARD, Haryana Regional Office, Chandigarh is requested to provide bank wise targets under the ADS to SLBC Haryana Secretariat for further communication to the concerned banks accordingly.

AGENDAITEM NO. 17.1

PROGRESS UNDER DEBT SWAP SCHEME DURING THE F.Y. ENDED MARCH 2018 (2017-18)


With a view to bring the farmers out of the clutches of money lenders/ non institutional lending agencies, a target of 3% of agriculture disbursement has been fixed for banks under the scheme. The progress made by banks is being reviewed in each SLBC meeting.The summarized position of achievement under Debt Swap Scheme during the period ended March 2018 is as under:- (Amt. Rs. in Lakh)

Lending Institution Disbursement under

Agriculture

Target (3% of Disb. under Agriculture)

Achievement under Debt

Swap SchemePublic Sector Banks 3109135 93274 11615 (12%)Private Sector Banks

1064464 31934 442 (1%)

RRBs 757983 22739 8157 (36%)Coop. Banks 1103401 33102 1408 (4%)Total 6034983 181049 21622 (12%)

From the above, it is observed that an amount of Rs.21622 Lac has been granted as loan under the scheme during the year ended March 2018, which is only 12% of the target. The Bank wise position is available in Annexure No. 30 (P-164)

AGENDAITEM NO. 17.2

ADOPTION OF VILLAGES UNDER DEBT SWAP SCHEME

Upto the period ended March 2018 banks have reported adoption of only 227 villages (Andhra Bank-60, Bank of India-11, Canara Bank-3, Dena Bank-6, Indian Bank-8, IOB-18, OBC-19, PNB-57, SBI-12, Syndicate Bank-3, Union Bank of India-1 and Sarva Haryana Gramin Bank 29).The Controlling Heads of Banks are once again requested to advise their field functionaries to adopt one village in each district (in coordination with the LDMs of their respective district) where they are having branch and lend liberally under the scheme to get the farmers out of clutches of money lenders so that the target allocated to their bank could be achieved. LDMs are also advised to coordinate with banks and finalize Bank-wise adoption of villages.The house may deliberate.


AGENDA ITEM NO.18

DOUBLING THE FARMERS’ INCOME BY 2022

Joint Director (Stat.), Agriculture & Farmers’ Welfare Department, Haryana vide their letter dated 24th April, 2018 have informed that a State-wise Coordination Committee on Doubling Farmers’ Income by 2022 has been constituted by Indian Council of Agriculture Research (ICR), GOI, Krishi Bhawan, New Delhi under the Chairmanship of Vice Chancellor, CCSHAU, Hisar. Director, National Dairy Research Institute, Karnal has been appointed Convener of the committee. Completed details of the committee are given on Annexure No.31.1-31.2 (P 165-166).

During the deliberations held in the meeting of Sub Committee held on 29.01.2018 it was also resolved that:-

SLBC will hold quarterly sub-committee meetings and the points raised by the above-said committee shall be discussed.

Dy. Director, Fisheries Department, Govt. of Haryana suggested that Govt. should encourage setting up of food processing centers for value addition resulting in enhancement of farmers’ income.

Department of Agriculture & Farmers’ Welfare, Govt. of Haryana will prepare a book-let containing all agriculture & allied activities schemes run by various Departments of Govt. of Haryana for distribution amongst farmers during Kisan Melas/Kisan Goshties organized by their Department from time to time for creating awareness amongst farmers for optimum utilization of the farmers’ centric schemes.

The Department of Agriculture & Farmers’ Welfare Haryana is requested to take up the matter with the State Coordination Committee (SCC) for convening the meeting of the committee at the earliest so that the next meeting of Sub Committee to SLBC Haryana on Doubling Farmers’ Income could be convened by


SLBC and action points relating to banks could be discussed therein for implementation. Further, it is also requested that the above suggestions (setting up of Food Processing Centres and preparation of a booklet containing all agriculture & allied activities schemes run by various Departments of Govt. of Haryana) may also be discussed in the meeting of SCC.The house may discuss.


PROGRESS OF RURAL SELF EMPLOYMENT TRAINING INSTITUTES (RSETIs)–MARCH 2018

In the State of Haryana, RSETIs are functioning in 21 districts of the state. From the progress report of RSETIs upto March 2018, it has been observed that:-

- 3831 training programmes of Skill Development have been organized upto March, 2018 wherein 102442 trainees participated.

- 18785 trainees have been financed by the banks to start their Enterprises, 41723 trainees have set up enterprise with their owned funds and 6582 trainees got wage employment.

- Settlement rate is 65%.- Out of the total 1,02,442 trainees, 35763 were from SC/ ST

category, 28337 from OBC, 6728 from Minority and 31614 were from other categories.

- 52,704 women & 559 Handicapped persons have also been provided training for self-employment.

- 7718 trainees have also been sponsored by KVIC/KVIB/DIC for EDP Training under PMEGP. Out of which, 1740 were women and 15 handicapped persons.

Performance of the RSETIs functioning in the State up to March 2018 is given on Annex. No.32.1 (P-167).

The House may review. AGENDA ITEM NO. 19.2

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


In order to improve the settlement rate of RSETI trained candidates, bank wise details of loan applications of RSETI trained candidates forwarded to various banks in the State and applications pending with various bank branches has been collected from RSETIs and compiled by SLBC Secretariat. From the progress report upto the period ended March, 2018, it has been observed that:-

- Upto March, 2018, 14157 loan applications of RSETI trained candidates have been sponsored to various banks operating in the State of Haryana.

- Out of 14157 applications, 6193 loan applications have been sanctioned and disbursement has been made to 5911 applicants.

- 3011 applications have been rejected by banks.- 4432 Applications were still lying pending for disposal with various

branches of banks in the State as at March, 2018. Bank wise and District wise progress along with the pendency is given on Annex. No.32.2-32.3 (P 168-169).Bank wise pendency has already been sent to the controlling heads of banks by SLBC Secretariat on 29.04.2018 with a request to impart necessary instructions to their DCOs/branches in the State to ensure disposal of the pending applications within one month from the receipt of application at theirs. They should also be advised not to keep the loan applications pending beyond the prescribe time limit.The following action is required from banks in this regard:-

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

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

3. Branches of different banks in the area to motivate rural masses and send them for training to RSETI functioning in their respective district.

Controlling heads of banks are requested to issue suitable directions to their field functionaries in this regard under copy to SLBC Haryana Secretariat for further necessary action.The Lead District Managers are also advised to get the pendency cleared from the concerned banks operating in their respective district.


The house may review. AGENDA ITEM NO. 19.3

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

As advised by ACS, Finance & Planning, Govt. of Haryana during the deliberations of 143rd meeting of SLBC Haryana held on 16th Feb., 2018 a meeting was held under the Chairmanship of the then ACS, Finance & Planning, Govt. of Haryana on 15th March, 2018. All related issues of RSETIs were discussed with the representatives of concerned departments present in the meeting. Expressing gratitude towards the State Govt. for facilitating construction of RSETIs in 11 districts, Chief Manager, SLBC Haryana informed the house that PNB CRDT vide letter dated 14.03.2018 has informed that they have decided to drop various sites for construction of RSETI buildings where issues to be resolved are still pending at various State Govt Authorities level.

Issues relating to remaining 5 PNB RSETIs at District Jhajjar, Sirsa, Kurukshetra, Yamuna Nagar and Jind pertaining to allocation of one acre land without any encumbrance relating to CLU and other approvals of State Govt. hindering construction of RSETI buildings have not yet been resolved. Keeping in view, date (30.06.2018) stipulated by MORD for completion of construction of RSETI buildings, PNB CRDT has observed to drop construction of these RSETI buildings of the above 5 districts. District wise Status of the issues is as under:-

1. Yamunanagar–Action may be considered on the recommendations of DC Yamunanagar as under:-

DC Yamunanagar vide his letter dated 16-1-18 has forwarded a request addressed to ACP (FINANCE & PLANNING) GOH, Chandigarh for exemption/relaxation on the following points:-i) To relax for construction in the area measuring 1200 square meter also following in 30 meter restricted belt of Jagadhri - Bilaspur- Sadhaura , Scheduled road (SH-I) and relaxation for setback also.


ii) Relaxation for Rs 85000 demanded by XEN, Jagadhri,PWD, BR Branch Yamunanagar vide memo no. 7861 dated 16-11-17 for issue of access permission at village Peeruwala, Tehsil Chhachhrauli, Distt, Yamunanagar.

iii) Relaxation for sanction of electricity load and water supply on domestic rates instead of commercial rates.--No progress2. Jind-The house was informed that due to non-availability of link road of 33 ft (6 karam) issue was pending and this land was available with Panchayat and Rs 2.50 lakh fee is required to be paid to NHAI for seeking their approval for giving permission for procuring new access from road to building for which DDPO Jind informed that a letter has already been issued by them to NHAI authorities for which an amount of Rs 2.50 lakhs is required to be deposited, which is not available with Panchayat and the same may be given by PNB. On this Shri SD Sharma Chief Manager, SLBC Haryana said that since PNB has already been spending so much amount on the construction of RSETI, which is a social noble cause, therefore this amount may be contributed by the State Govt. The ACS F&P endorsed the view and agreed to sanction grant of the respective amount i.e. Rs 2.50 lakhs to the DDPO Jind for making payment to NHAI. No progress.

3. Sirsa–The house was informed that in Village Sikandarpur as per Town & Country Planning Department, 33 ft link rasta is required. The district administration/State Govt has already agreed to give additional 3 karam for rasta. The issue will be resolved within 1-1 ½ months as the matter has already been sent to CMO for approval by the Cabinet as it is a case of gifting of land as informed by District Administration. No progress.

4. Jhajjar–The ADC Jhajjar informed that the land has already been identified and MoU will be got signed by him very soon. No progress.


5. Kurukshetra-Approval in relaxation of minimum FAR with 68 has been given and District Town Planner, Kurukshetra was accordingly contacted but he expressed some limitations contradicting the relaxations granted. Further, he also observed that if map is approved at this stage, it is to be completed within 2 years of sanction of CLU which expires in October, 18.

Principal Secretary, Finance & Planning, Govt. of Haryana, is once again requested that to resolve the remaining issues of RSETIs, a separate meeting under his Chairmanship may please be convened at the earliest.


BANKWISE PROGRESS UNDER EDUCATION LOAN SCHEME UPTO MARCH 2018 (2017-18)

Against the target of Rs.1640 crore (outstanding), the achievement of banks as at March, 2018 was Rs.1632 crore i.e.99.5%. The comparative progress of banks under this scheme is given below:-

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

A/csBalance

OutstandingIncrease

Absolute %ageMarch 2016 45591 1337.59 86.09 6.9%March 2017 44500 1366.58 28.99 2.2%March 2018 43373 1631.99 265.41 19.4%Bank-wise achievement vis-à-vis target is given in Annex. No.33.1 (P-170) During the review period, the education loans in the State have registered an increase of Rs.265 Crore from Rs.1367 Crore as at March 2017 to Rs.1632 Crore as at March 2018 thus showing YoY growth of 19.4%. During the period ended March 2018, banks have disbursed a sum of Rs.218 Crore to 7061 students.AGENDA ITEM NO. 20.2

BANKWISE PROGRESS UNDER EDUCATION LOAN SCHEME (FEMALE STUDENTS)- UPTO MARCH 2018 (2017-18)

Education to female children is pre-requisite not only for women empowerment but also for socio economic development of the State.


Banks have been contributing adequately in facilitating higher/ technical education among the girl students in the State of Haryana.The comparative progress of banks under this scheme is given below:-

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

A/csBalance

OutstandingIncrease

Absolute %ageMarch 2016 14289 392.44 37.22 10.5%March 2017 14210 408.46 16.02 4.1%March 2018 15657 487.33 78.87 19.3%During the period ended March 2018, banks have disbursed a sum of Rs.64 Crore to 1871 female students. Bank wise position is given on Annexure No.33.2 (P-171).


POSITION OF NPA IN EDUCATION LOANS AS AT MARCH 2018

(Amt. Rs. in Crore)Total Outstanding

as at 31.03.18Out of Col. 2 amt.

of NPA

%age of NPA

to total O/s

Out of Col.2 Education Loans

granted Collateral Free

(Amt.)

Out of Col. 5

Amt. of NPA

%age of NPA to

Collateral Free Loans

No. of A/cs

Amount

1 2 3 4 5 6 743373 1632 105 6.4% 904 84 9.3%

From the above position, it is observed that out of total outstanding of Rs.1632 Crore under Education Loan Scheme as at March 2018, a sum of Rs.105 Crore i.e. 6.4% has become NPA. Out of the collateral free loans of Rs.904 Crore under the Education Loan Scheme, a sum of Rs. 84 Crore or 9.3% falls under NPA. Bank wise position is given on Annexure No. 33.3 (P-172).

AGENDA ITEM NO.20.4

POSITION OF NPA IN EDUCATION LOANS TO FEMALE STUDENTS LOANS AS AT MARCH 2018

(Amt. Rs. in Crore)Total Outstanding as at 31.03.2018

Out of Col. 2 amt.

of NPA

%age of NPA to

total O/s

Out of Col.2

Education Loans

granted Collateral

Out of Col. 5

Amt. of NPA

%age of NPA to Collateral Free Loans

No. ofA/cs

Amount


Free1 2 3 4 5 6 7

15657 487 25 5% 272 20 7.5%

From the above position, it is observed that out of total outstanding of Rs. 487 Crore under Education Loan to female students as at March 2018, a sum of Rs.25 Crore i.e 6.7% has become NPA. Out of total collateral free loans of Rs.272 Crore, a sum of about Rs.20 Crore or 7.5% falls under NPA.Bank wise data is given on Annexure No. 33.4 (P-173).AGENDA ITEM NO. 21.1

DEENDAYAL ANTYODAYA YOJANA-NATIONAL RURAL LIVELIHOOD MISSION (DAY-NRLM)

Progress under Deendayal Antyodaya National Rural Livelihood Mission (DAY-NRLM) for the period ended March 2018 was reviewed in 1st

meeting of Steering Committee to SLBC Haryana on 03.05.2018.

During the review it was observed that against the target of financing 4850 SHGs during the year ended March, 2018 loans to 3724 SHGs amounting to Rs. 3446 lakh have been sanctioned and disbursement amounting to Rs.3369 lakh has been made to 3627 SHGs. Bank wise progress is given on Annexure No.34.1 (P-174).

Further, from the District wise/Bank wise pendency report provided by HSRLM it has been observed that as at 31st March, 2018 1253 loan applications for Ist Dose of credit and 358 applications for 2nd Dose of credit were lying pending with the bank branches in the State of Haryana. The same has been provided to the concerned banks by SLBC Haryana Secretariat on 28th April, 2018 with a request to ensure disposal of the same within one month from the receipt of application at theirs. Pendency report is also given on Annexure No.34.2 (P-175) for reference of the member banks.

The Controlling heads of banks are requested to advise their field functionaries to ensure disposal of the applications lying pending with them immediately and ensure that no loan


applications remains pending with them beyond the prescribed time limit i.e. maximum 30 days.


TARGETS FOR SAVING & CREDIT LINKAGE OF SELF HELP GROUPS (SHGs) FOR THE FINANCIAL YEAR 2018-19

A target for saving linkage of 7000 SHGs and credit linkage of 10000 SHGs for the financial year 2018-19 has been allocated to the State of Haryana by NABARD, Haryana Regional Office Chandigarh. District wise allocation has been conveyed to all LDMs of Haryana with a request to allocate the same amongst various banks operating in their respective district and send a copy of the bank wise allocation of targets to SLBC Haryana Secretariat for compilation of bank wise targets for the State as a whole. District wise allocation has been placed at Annexure No.35.1 (P-176)

All LDMs are advised to do the needful as advised above.


SAVING & CREDIT LINKAGE OF SELF HELP GROUPS (SHGs)-PROGRESS DURING THE PERIOD ENDED MARCH 2018 (2017-18)

From the progress report of Self Help Groups (SHGs) for the period ended March 2018 (2017-18), it has been observed that against the target of Saving Linkage of 10000 SHGs, banks have saving linked 4045 SHGs and 48327 SHGs have been reported saving linked since inception of the scheme. Out of these, 19650 SHGs are NRLM compliant.Similarly, against the target of Credit Linkage of 10000 SHGs, banks have credit linked only 2481 SHGs during the year ended March 2018 (2017-18) and 33345 SHGs have been reported credit linked since inception of the scheme. Out of these, 13518 SHGs are NRLM compliant.Bank wise progress under Saving and Credit Linkage of Self Help Groups (SHGs) is given on Annexure No. 35.2 (P-177).

The House may review.


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


While participating in the discussions held in Ist meeting of Steering Committee to SLBC Haryana on 3rd May, 2018, AGM, NABARD highlighted the digitization of SHGs in the State and its broad achievements under E-Shakti project in four districts i.e. Ambala, Karnal, Sonipat & Sirsa. The house was informed that under E-Shakti project the data is being updated every day and it will be available on Mobile app as well as E-Shakti Portal. The house was also apprised that due to digitization of SHGs in District Ambala under 2nd phase, more than 400 SHGs got credit-linked within a span of 8-9 months only.

Representative of NABARD may apprise the house about the latest progress made in this regard.AGENDA ITEM NO. 22.1

TARGETS FOR CREDIT LINKAGE OF JOINT LIABILITY GROUPS (JLGs) FOR THE FINANCIAL YEAR 2018-19)

A target for credit linkage of 5500 Joint Liability Groups (JLGs) for the financial year 2018-19 has been allocated to the State of Haryana by NABARD, Haryana Regional Office Chandigarh. District wise allocation has been conveyed to all LDMs of Haryana with a request to allocate the same amongst various banks operating in their respective district and send a copy of the bank wise allocation of targets to SLBC Haryana Secretariat for compilation of bank wise targets for the State as a whole. District wise allocation has been placed at Annexure No.35.1 (P-176)

All LDMs are advised to do the needful as advised above.


JOINT LIABILITY GROUPS (JLGs)-PROGRESS UPTO MARCH 2018 (2017-18) VS TARGET 2017-18

From the progress report received from banks, it has been observed that against the target of financing of 5000 JLGs, 14840 (7002 Farm Based & 7838 others) JLGs have been financed during the year ended March 2018. Out of 14840 JLGs, 14363 (6842 Farm Based & 7521 others) have been financed by HDFC Bank and Yes Bank only.


Controlling heads of other banks are requested to advise their field functionaries to pay focused attention towards achieving the targets allocated to their bank.Bank wise progress under financing to Joint Liability Groups is given on Annexure No. 35.3 (P-178).The house may review.

AGENDA ITEM NO. 23

REVIEW OF GOVT. SPONSORED SCHEMES & PROGRAMMES


DEENDAYAL ANTYODAYA YOJANA-NATIONAL URBAN LIVELIHOOD MISSION (DAY-NULM)

Progress under NULM as at 31.03.18 is as under:-

SEP-INDIVIDUAL-STATE AS A WHOLETarget(No. of Projects)

Cases Sponsd.

Cases Sanctioned

Cases Rejected/Returned

Cases Pending for sanction

Cases Disb.

Cases Pending for Disb.

10000 6495 1402 2405 2688 948 454

SEP-GROUPS-STATE AS A WHOLETarget(No. of Projects)

Cases Sponsd.

Cases Sanctioned



Cases Disb.


500 254 42 56 156 19 23

SELF HELP GROUPS (SHGs)-STATE AS A WHOLETarget (Formation of SHGs)

SHGs Formed

SHGs Saving Linked

SHGs provided Revolving Fund

SHGs Credit Linked

4750 2245 1468 653 11A copy of the bank wise and district wise progress as at March, 2018 is given on Annexure No. 36.1 & 36.4 (P 179-182).


During the deliberations of 1st meeting (2018-19) of Steering Committee to SLBC Haryana held on 3rd May, 2018 representative of SUDA informed the house that some difficulties are being faced in opening of saving accounts of the SHGs formed under NULM and sanction/disbursement of loan cases as well. The issues received from the Department vide their e-mail dated 7th May, 2018 have been forwarded to the concerned banks/LDMs for resolving the same at the earliest.Controlling heads of all banks are requested to impart suitable instructions to their bank branches to ensure disposal of the applications lying pending with them within the prescribed time norm i.e within one month (maximum) from the receipt of application at theirs and not to keep pending with them beyond the prescribed time without any justified reason (s) and disburse the sanctioned cases which are also lying pending with themThe house may discuss. AGENDA ITEM NO. 23.2

PRIME MINISTER EMPLOYMENT GENERATION PROGRAMME (PMEGP)-REVISED TARGETS & PROGRESS FOR THE FINANCIAL YEAR 2017-18

The State Director, KVIC, Ambala vide their letter dated 13th March, 2018 informed that Director, PMEGP, KVIC, Mumbai have again revised the targets of all the 3 Nodal Agencies implementing PMEGP in the State of Haryana (KVIC, KVIB & DIC) for the financial year 2017-18 is as under:-

S.No.

Agency Revised Target 2017-18No. Margin Money (Rs. In lacs) Employme

nt1. KVIC 566 1132.00 45282. KVIB 566 1132.00 45283. DIC 754 1508.84 6032

Total 1886 3772.84 15088PMEGP PROGRESS AS AT 31st March, 2018 (OLD CASES FORWARDED TO BANKS/SANCTIONED BY BANKS/M.M.DISBURSED BY CORPN. BANK+ E-PORTAL) WAS AS UNDER:-


M.M. Rs. In lakhsAnnual Target Cases

forwarded to banks

Cases Sanctioned

Margin MoneyDisbursed (Offline+Online)

%age ach.

Employment (Nos.)

No. of Projects

Margin Money

No. No. Margin Money

No. Margin Money

No.

1886 3773 9533 2538

5987 1718

4168 110% 13744

SOURCE:KVIC Ambala

From the above it has been observed that achievement against the annual target of Rs.3773 lakh for margin money has been Rs. 4168 lakh i.e. 110%, for which bankers need to be complemented.

Bank wise & District wise Progress is given on Annex. No.37.1-37.2 (P 183-184).


PROGRESS OF CASES SPONSORED BY HARYANA SCHEDULED CASTES FINANCE & DEVELOPMENT CORPORATION (HSCFDC) DURING THE FINANCIAL YEAR 2017-18

From the progress report received from Haryana Scheduled Castes Finance & Development Corporation it has been observed that against the target of 8000, 13395 applications were sponsored to banks during the year ended March, 2018. Out of these 4962 applications were sanctioned, 4894 applications were disbursed, 1921 applications were rejected, 4642 applications were returned and 1870 applications were still lying pending with various branches of banks in the State for disposal as at 31st March, 2018.Progress during the year ended March, 2018 is as under:-

Target(No. of Projects)

Cases Sponsd.

Cases Sanctioned

Cases Disb.

%age ach.





8000 13395 4962 4894 61.2%

6563 1870 68

Bank wise & District wise Progress is given on Annexure No.38.1 & 38.6 (P 185-190) for reference of the SLBC member banks.

During the review of progress in 1st Meeting (2018-19) of Steering Committee to SLBC Haryana held on 3rd May, 2018 representative of the Corporation informed the house that due to non sanction of loans by the banks in the State, their department could not fully utilize the grant/funds received from the Central Govt.

As such, controlling heads of banks are requested to ensure that progress is monitored at their office level regularly so as to ensure clearance of the pendency and disbursement of sanctioned cases as well so that the target allocated to the bank and the State as a whole could be achieved and the funds allocated to the Corporation by the Central Govt. could be utilized fully.LDMs/the representative of HSFDC may apprise the house further in this regard.The house may discuss.AGENDA ITEM NO. 24

PROTECTED CULTIVATION IN HARYANA- BANKABLE PLAN FOR 2017-2018

From the progress report received from banks, it has been observed that during the period ended March 2018, 68 units amounting to Rs.2199 lacs have been financed against the target of 1007 units with an amount of Rs.2346 lacs respectively under Naturally Ventilated Poly House Model (NVPH). Under Walk in Tunnel (WIT) Model only 3 cases amounting to Rs.24 lacs have been financed during the period ended March 2018 against the target of 371 units with an amount of 557 lacs respectively.Thus, total (Under Both Models) 71 cases amounting to Rs.2223 lacs have been financed by the banks during the period ended March 2018 (2017-18) against the target of 1378 units with an amount of 2903 lacs respectively. Bank wise progress is available on Annexure No.39 (P-191).



AGENDA ITEM NO. 25

PROGRESS OF CASES SPONSORED BY NATIONAL HORTICULTURE BOARD (NHB) DURING THE PERIOD ENDED MARCH 2018

From the Progress report received from the National Horticulture Board, RO Chandigarh it has been observed that 8 LOIs have been issued by NHB during the period ended March, 2018 (2017-18) under Scheme No.1 and No LOI has been issued under Scheme 2 of NHB.However, subsidy amounting to Rs. 1840 lacs has been released in 58 Projects during the year ended March, 2018 under scheme 1 of National Horticulture Board and subsidy amounting to Rs. 28 lacs has been released in 3 projects during the year ended March, 2018 under scheme 2 of National Horticulture Board. Details of Bank wise subsidy released during the year ended March, 2018 (2017-18) is given on Annexure No.40.1-40.3 (P 192-194).This is for information of the house.AGENDA ITEM NO. 26.1

RECOVERY UNDER HACOMP ACT DURING THE FINANCIAL YEAR ENDED MARCH, 2018

The position of recovery certificates as at March 2018 is given hereunder:-

(Amt. Rs.in Crore)Particulars A/cs AmountTotal cases pending as at 31.03.17

18002 674.07

Cases filed during the year ended March 2018 5166 180.09Cases disposed of during the year ended March 2018

4921 187.18

Cases pending as at March 2018 18247 666.98Pendency levelUp to 6 months 5111 223.646 months to 12 months 3470 112.541 year to 3 years 7317 250.59


Above 3 years 2349 80.21Total 18247 666.98

Bank wise/District wise position is given in Annex. No. 41.1 & 41.2 (P 195-196)

OBSERVATIONS: 18247 Recovery Certificate cases amounting to Rs.666.98 crore

were pending as at 31.03.2018 as against 18002 cases involving Rs.674.07 crore as at March, 2017.

During the year ended March 2018 (01.04.17-31.03.2018), banks have filed 5166 Recovery Certificate Cases amounting to Rs.180.09 Crore. As many as 4921 cases amounting to Rs.187.18 Crore have been disposed of during the year ended March 2018 (01.04.17-31.03.2018).

2349 Cases involving an amount of Rs.80.21 crore were pending for more than three years as on 31.03.2018.

Controlling heads of banks & LDMs are requested to initiate necessary steps so that pendency could be brought to minimum level.

The State Govt. is also requested to advise the concerned Revenue Officials in the field to help the bankers in recovery of their dues and bringing the pendency level to minimum.

ITEM NO. 26.2 RECOVERY UNDER PRIORITY SECTOR ADVANCES

The Sector-wise recovery position is as under:-

Sector March, 16(%age Ach)

March, 17(%age Ach)

Variation March, 18(%age Ach)

Variation (PPs)

Agriculture

83% 81% -2% 77% -4%

MSME 72% 78% 6% 73% -5%OPS 73% 78% 5% 74% -4%Overall 77% 79% 2% 75% -4%


Bank-wise recovery position as at 31.03.2018 is given in Annexure No.42 (P-197).

The above data reveals that the recovery position of banking system under overall Priority Sector, Agriculture sector, MSME and Other Priority Sector as well has decreased by 4pps, 5pps, 4pps and 4pps respectively during the period under review.

Andhra Bank, Corporation Bank, Indian Bank, Indian Overseas Bank, Axis Bank, Federal Bank, ICICI Bank, Kotak Mahindra Bank, Yes Bank and Sarva Haryana Gramin Bank have not provided recovery position of their bank.

Controlling heads of above mentioned banks are requested to ensure submission of the same during the next quarter.The house may deliberate.ITEM NO. 26.3 RECOVERY UNDER GOVT. SPONSORED

SCHEMESBank-wise Recovery position under various Govt. Sponsored Programmes up to March, 2018 is given on Annex. No. 43.1-43.4 (P 198-201). Gist of overall recovery position is as under:-

(%age Recovery)Period PMRY/

PMEGPSJSRY/NULM

SGSY/NRLM

SHGUnder SGSY/NRLM

Other than

SGSY/NRLM


March, 16

52% (38% under

PMEGP)

SJSRY 30% NULM 55%

SGSY:47%NRLM:48%

62% 74%

March, 17

15%(56% under

PMEGP)

SJSRY 15%NULM44%

SGSY:52%NRLM:53%

61% 65%

March, 18

25%(55% under

PMEGP)

SJSRY 24%(82% under NULM)

SGSY:48%NRLM:69%

65% 36%

From the data submitted by banks it has been observed that Andhra Bank, Bank of Maharashtra, Corporation Bank, IDBI Bank, Indian Bank, Indian Overseas Bank, United Bank of India, Uco Bank, Axis Bank, Federal Bank, HDFC Bank, ICICI Bank, Kotak Mahindra Bank and Yes Bank have not provided recovery position of their bank.

Controlling heads of above mentioned banks are requested to advise the concerned official of their bank to ensure submission of recovery data properly so that purpose of review of recovery position of banks could be achieved.The house may discuss.

AGENDA ITEM NO. 27

DISPOSAL OF CASES FILED BY BANKS BEFORE CHIEF METROPOLITAN MAGISTRATE(CMM)/ DISTRICT MAGISTRATE (DM) UNDER SECTION 14 OF THE SARFAESI ACT, 2002

As per the report received from banks for the period ended March 2018, 186 cases were lying pending for disposal in District Ambala (21), Bhiwani (1), Faridabad (77), Fatehabad (1), Gurugram (1), Hisar (4), Jind (10), Kaithal (3), Karnal (8), Kurukshetra (2), M.Garh (3), Panchkula (2), Panipat (7), Sirsa (6), Sonepat (1) and Yamuna Nagar (39).

The Deputy Commissioners of the concerned districts have been requested to ensure disposal of the pending applications at the earliest. Summary of the same is given at Annexure No.44 (P-202).



AGENDA ITEM NO. 28 HOUSING FINANCE

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

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

Absolute %ageMARCH 2016

151368 13978 2219 19%

MARCH 2017

157988 23483 9505 68%

MARCH 2018

215445 26889 3406 15%

Bank wise position as at March 2018 is given in Annexure No. 45.1-45.3 (P 203-205).HIGHLIGHTS:-

The outstanding advances under Direct Housing Finance Scheme have increased by Rs.3406 Crore from Rs.23483 Crore as at March 2017 to Rs.26889 Crore as at March 2018, thus registering a YOY growth of 15%.

Banks in the State of Haryana have also disbursed loans amounting to Rs. 7678 crore to 39424 beneficiaries during the financial year ended March, 2018.

AGENDA ITEM NO. 29

ADVANCES TO INDUSTRIAL SECTOR


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

The comparative position of credit outstanding to MSME is as under:-

(Amt. Rs.in Crore)Particulars MARCH, 2017 MARCH, 2018

A/cs Amt. A/cs Amt.Micro Enterprises 437041

(12%)18441(7%)

438515(0.34%)

23296(26%)

Small Enterprises 138486 20721 122232 24155


(13%) (2%) (-11.7%) (17%)Micro & Small Enterprises (MSEs)

575527 39161 (4.30%

)

560747(-2.6%)

47451(21%)

Share of ME Advs. out of MSEs

(76%) (47%) (78%) (49%)

Medium Enterprises (MEs)

18927 10692 14955 13018

MSMEs 594454 49854 575702 60469Bank-wise performance is as per Annex. No. 46.1-46.2 (P 206-207).Observations:

In the State of Haryana, banks as at March 2018 have provided credit to 438515 Micro Enterprises as against 437041 units as at March 2017 thus registering annual growth of only 0.34% against the target of 10%.

The share of micro enterprise advances to total MSE advances as at March 2018 is 49% against stipulated level of 60%.

The State has surpassed the target of 20% YoY growth in credit to MSEs as at March 2018, stipulated by the Prime Minister’s Task Force on MSMEs.



NPA UNDER MSME ADVANCES

The position of NPA under MSME Advances as at 31st March, 2018 is as under:-

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

Loan A/cs outstanding as at

31.03.2018

Amount of MSME Loans

outstanding as at

31.03.2018

Out of Col. 2, amt. of NPA as

at 31.03.18

%age of NPA under

MSME Loans as at

31.03.18

Out of Col. 2, MSME loans

granted collateral

free

Out of Col. 5, amt. of

NPA as at 31.03.201

8

%age of NPA under

MSME Loans

granted collateral

free as 31.03.2018

1 2 3 4 5 6 7575702 60469 5480 9% 14273 1211 8%

Bank-wise detail is given as per Annexure No. 46 .3 (P-208).

AGENDA ITEM BIFURCATION OF NPA UNDER MSME ADVANCES


NO. 29.2 (i)The bifurcation of NPA under MSME Advances as at 31st March, 2018 is as under:-

(Amt. Rs. in Crore)Micro Enterprises Small

EnterprisesMedium

EnterprisesTotal NPA

under MSME Advances

No. of A/cs

Amt. No. of A/cs

Amt. No. of A/cs

Amt. No. of A/cs

Amt.

48530 2435 7315 1706 2031 1339 57876 5480Bank-wise detail is given as per Annexure No.46.4 (P-209).


FLOW OF INSTITUTIONAL CREDIT TO IDENTIFIED MSME CLUSTERS– SYSTEM

The progress of MSME clusters as at March 2018 is given below:-(Amt. Rs. in Crore)

District Cluster Annual Target

Ach. During the Q.E. March 2018

(1.01.18 to 31.03.18)

Ach. during the P.E. March

2018(01.04.17-31.03.18)

% age Ach.

A/cs Amt. A/cs Amt.Karnal Rice Milling 150.00 62 113.38 244 929.42 620%

Agri Imp. 0.50 3 1.74 18 4.59 918%Gurugram Auto

Components

Targets to be allocate by

No Progress Submitted by LDMO Gurugram

Yamuna Plywood 23 4.64 188 141.67 -


Nagar Industries LDMOFaridabad Auto

Components

525 218 625.17 119%

Light Engg. 675 172 750.04 111%

Lead District Managers of District Gurugram and Yamuna Nagar have not revised/fixed the target of MSME. They are once again advised to allocate the targets and convey the same to SLBC Secretariat for incorporating the same in the agenda papers of next SLBC, Haryana meeting accordingly.LDMs may apprise the house in this regard.AGENDA ITEM NO.29.4

CREDIT LINKAGE OF UNIDENTIFIED/ UNRECOGNIZED MSME CLUSTERS

As per the data for the period ended March 2018 received from LDMs, it has been observed that 531 Micro and 8 Small units are yet to be credit linked. LDMs of these districts are requested to ensure that issues coming in the way of credit linkage of these units in the unidentified MSME clusters are resolved at the earliest and steps for their credit linkage may please be taken up expeditiously.District wise Progress made with regard to Credit Linkage of Unidentified/Unrecognized MSME Clusters is given on Annex.No.46.5 (P-210). The House may review.


PROGRESS OF SPECIALIZED MSME BRANCHES DURING THE YEAR ENDED MARCH, 2018

109 Specialized MSME Branches in Haryana have sanctioned Rs.3208 Crore in 7147 cases during the year ended March 2018 and disbursement has been made in 7049 cases amounting to Rs.2230 Crore. Outstanding advances of specialized MSME branches as at March 2018 were Rs. 9334 Crore to 32449 units. Bank wise position is given on Annexure No.46.6 (P-211).The House may review.AGENDA ITEM NO. 29.6

COLLATERAL FREE LOANS UPTO Rs.10 LAKH TO MSE SECTOR


The progress of financing by the banks under Collateral Free loans upto Rs. 10 lakh to MSE Sector as at March 2018 is summarized below:-

(Amount Rs. in Lakh)Period New MSEs loans

upto Rs. 10 lakhOut of which collateral

free loansNo. of units

Amount

No. of units

Amount

March 2017 (01.04.16 -31.03.17)

125019 317721 120119 (96%)

288588 (91%)

March 2018 (01.04.17 -31.03.18)

130609 442554 124956(96%)

416482(94%)

Bank wise information is as per Annexure No. 46.7 (P-212) From the above data it has been observed that banks have disbursed loans up to Rs.10 lakh to 130609 MSE units during the year ended March 2018 against 125019 units during the corresponding period last year. Similarly, the collateral free loans have been provided to 124956 units (96% of the total units) amounting to Rs.416482 lac (94% of the total amount financed) during the period ended March 2018.Controlling heads of Andhra Bank, Bank of Baroda, Bank of Maharashtra, Canara Bank, Corporation Bank, Dena Bank, OBC, Syndicate Bank, Union Bank of India, UCO Bank, United Bank of India, J&K Bank Ltd. and Ratnakar Bank Ltd are requested to ensure that 100% collateral free MSE loans upto Rs.10.00 lakh are granted by all branches of their bank.


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

SLBC has repeatedly been requesting the member banks to advise their branches to open bank accounts of students & beneficiaries of minority communities which would help in ensuring accrual of benefits & delivery of financial support to these minority communities. The comparative position of outstanding advances to minority communities is given below:-


(Amt. Rs. In lacs)Community

Outstanding as on March 2016



A/cs Amt. A/cs Amt. A/cs Amt.Muslim 345867 227940

(12%)372436 323252

(42%)206658 303893

(-6%)Sikh 443940 725106

(30%)465104 766004

(5%)248376 819712

(7%)Christian 3048 13069

(26%)4025 20146

(54%)4266 20825

(3%)Buddhist 133 1122

(27%)293 3893

(247%)222 2426

(-38%)Jain 2980 24104

(60%)3421 22568

(-6%)3921 25045

(11%)Zorastrian 34 92

(-29%)44 394

(328%)53 592

(50%)Total (Incl. Coop. bks

796002 991433(26%)

845323 1106806(12%)

463496

1172494

(6%)Bank-wise data on loans disbursed and outstanding as at March, 2018 is given on Annexure No.47.1-47.2 (P 213-214).It has been observed that the total outstanding to Minority Communities in the State is Rs.11725 Crore to 463496 beneficiaries as at March 2018. An amount of Rs.3975 crore has been disbursed to 159698 persons during the period ended March 2018 (2017-18). YOY growth is 6% and %age of amount advanced to minority communities to total priority sector advances is 9% which needs strenuous efforts by banks for considerable improvement.Member Banks are requested to advise the branches in the State to extend more credit to minority community for their economic development as Govt. of India wants that at least 15% of the Priority Sector Advances should go to Minority Communities. The house may review.AGENDA ITEM NO. 30.2

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


The RBI has identified 121 districts with concentration of Minority Communities, out of which, 2 districts of Haryana i.e. Mewat and Sirsa have been identified for this purpose. As advised by the ACS, SJE, Haryana, Data on financing to Minority Communities in the minority concentrated districts of Haryana i.e. District Mewat, Sirsa, Fatehabad, Yamuna Nagar, Kaithal and Palwal has been compiled by SLBC Secretariat and has been given on Annexure No. 48.1-48.2 (P 215-216).

From the progress received from the LDMs of these districts it has been observed that:-

Amt. Rs. In LakhDistrict Total

Disb. Under Priority Sector

Disb. To Minority Communities

% age of Credit Disb. To Minority Communities

Total Outstanding Under Priority Sector

Outstanding To Minority Communities

% age of Total Outstanding to O/s to Min. Comm.

Mewat 75365 52755 70% 138425 115760 84%Sirsa 73521

0279172 38% 698933 263647 38%

Fatehabad

422750

29024 7% 465139 65136 14%

Y.Nagar 802779

7220 0.90% 533387 52631 10%

Kaithal 544992

14102 3% 569369 47229 8%

Palwal 183933

15309 8% 270140 52443 19%

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


AGENDA ITEM NO. 31

FINANCIAL ASSISTANCE TO WOMEN BENEFICIARIES

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

Amt. Rs. in Crore)Year Balance O/s Increase % age of

Total Advances

Absolute %age

March 2016

15712 6555 72% 8%

March 2017

18457 2745 17% 9%

March 2018

20955 2498 14% 9%

Advances to Women Beneficiaries witnessed an increase of Rs.2498 Crore from Rs.18457 Crore as at March 2017 to Rs.20955 Crore as at March 2018, thus registering a YOY growth of 14%. During the year ended March 2018, banks have disbursed loans amounting to Rs.7303 Crore to 240597 women beneficiaries.Bank-wise data depicting the performance upto the period ended March 2018 is given in Annexure No. 49 (P-217).


AGENDA BANKING PLANS FOR AREA BASED SCHEMES FOR


ITEM NO. 32 INVESTMENT IN AGRICULTURE Activity wise/Scheme wise progress under banking plan for identified activities i.e. Dairy, Under Ground Pipe Line (UGPL), Laser Land Leveler, and Sprinkler Irrigation for the financial year 2017-18 as at 31.03.2018 is given below:-Dairy

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

No. of Animals

Bank Loan

No. of Animals

Bank Loan

No. of Animals

Bank Loan

No. of Animals

Bank Loan

89558 48361 14724 10903 11499 8164 16% 23%Under Ground Pipe Line


No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

7174 6810 2476 6178 2470 6097 35% 91%Laser Land Leveler


No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

1905 6002 366 1101 366 1099 19% 18%Sprinkler Sets

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

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

No. of Units

Bank Loan

5557 1000 187 330 187 145 3% 33%Bank wise Progress is as per Annexure No.50.1-50.4 (P 218-221).



AGENDA ITEM NO.33

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

Position as on 31.03.2018 S.No

.Particulars Data

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

2 KCCs issued since inception of the Scheme

41,76,179

3 Amount Sanctioned Rs. 73446 crore4 KCCs Outstanding as at 31.03.2018

(No.)24,04,887

5 Amount Outstanding Rs.42088 croreBank-wise progress under Kissan Credit Card (KCC) Scheme as at March 2018 is given in Annexure No. 51.1-51.2 (P 222-223). This is for the information of the house.

AGENDA ITEM NO. 34

PROVIDING OF RUPAY DEBIT CUM ATM CARD TO KISAN CREDIT CARDS HOLDERS-PROGRESS UPTO MARCH 2018

Govt. of India had advised the banks to ensure issuance of RuPay ATM cum debit cards to 95% of the total eligible KCC holders by 31st Dec., 2016. It has been observed from the progress reports received from banks that out of 15,26,999 eligible KCC holders, banks have issued 13,22,534 Rupay ATM cum debit cards upto March 2018 i.e.87%. Out of these, 8,12,128 cards (61%) have been activated. Further, out of 6,10,000 eligible KCC holders, Harco Bank has issued 5,0,4,927 (83%) Rupay Debit cum ATM Cards and out of which only, 2,62,892 cards (52%) have been activated.

Controlling heads of banks specially, HARCO Bank are requested to ensure issuance of Rupay Cards to the remaining eligible KCC holders expeditiously and their activation as well at the earliest so as to enable them to avail the benefits of


Rupay Card Insurance.

Bank wise position of issuance of Kisan Rupay Cards is given on Annexure No.52 (P-224).


AGENDA ITEM NO. 35

PROGRESS UNDER UPLOADING OF EQUITABLE MORTGAGES ON THE PORTAL OF CERSAI

Presently banks are uploading the position of Equitable Mortgage on the site of Central Registry of Securitization Asset Reconstruction and Security Interest of India (CERSAI). Bank wise progress as at March 2018 is given on Annex.No.53 (P-225).The representative from CERSAI is requested to apprise the members about the latest developments/information with regard to uploading of equitable mortgages by the bank branches.


AGENDA ITEM NO. 36

PROGESS UNDER WEAVER CREDIT CARD SCHEME DURING THE PERIOD ENDED MARCH 2018 (2017-18)

Progress under the scheme in 5 districts during the financial year ended March, 18 (2017-18) is as under:-

S.No.

Name of the District

Cases Sponsd.

Cases Sanctnd.

Cases Disb.

Cases Rej./Retd

.

Cases Pending

for sanction

Cases pending for Disb.

1 Panipat 189 141 141 35 13 -2 Yamuna

Nagar- - - - - -

3 Bhiwani - - - - - -4 Ambala - - - - - -5 Fatehabad - - - - - -

Total 189 141 141 35 13 -Bank wise/District wise progress is given on Annex. No.54 (P-226)


During the review of progress in the 1st meeting (2018-19) of Steering Committee to SLBC Haryana held on 3rd May, 2018, the house was informed that weavers have not been identified by the Nodal Agency and negligible progress is being received under the scheme. As the number of weavers is receding in selected districts, it was proposed that this item may be dropped from the Agenda for future discussion.The House may discuss and decide.AGENDA ITEM NO. 37

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

On the basis of reports received from banks progress compiled by SLBC for the year ended March, 2018 is as under:-

(AMT. RS. IN LACS)Institution Disbursement during

the FY ended March 2018

Outstanding as at March, 2018

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

Amt.

Public Sector Banks

442 93720 418 65582

Pvt. Sector Banks 10 705 3 230RRBs - - - -Coop.Banks - - - -Total 452 94425 421 65812

LDMs are also requested to monitor the progress in DCC/DLRC meetings of their respective districts.Bank wise/District wise progress is given on Annexure No. 55.1-55.2(P 227-228).The house may review.

AGENDA ITEM NO. 38

ANY OTHER ISSUE WITH THE PERMISSION OF THE CHAIR

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


ITEMS FOR INFORMATION ONLY

AGENDA ITEM NO. 39 FARMERS’ CLUBS FORMED BY BANKS

Banks have formed Farmers 2695 Clubs up to March 2018 and its institution wise break up is given below:-

Institution No of clubsCommercial banks 537SHGB 1257Central Cooperative banks 713PCARDBs 188Total 2695

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


AGENDA ITEM NO. 40

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

NHFDC functions as an apex institute for promoting economic development activities and self employment venture for the benefit of Persons with Disabilities (PWDs). The fund is channelized through State Channelizing Agencies (SCA) nominated by the respective state/ UT Government(s). NHFDC also provides grants for skill training of disabled persons. The detailed information on schemes and programmes of NHFDC is available on website www.nhfdc.nic.in.

With a view to make this segment of population economically independent in the state of Haryana, NHFDC has tied up with Sarva Haryana Gramin Bank and Haryana Gramin Bank for flow of collateral free concessional credit (interest rate of 4-8%p.a) to PWDs for self employment under credit guarantee scheme of Government of India. The bank will also extend education loan to eligible students with disabilities for higher education in India and abroad at an interest rate of 3.5-4% p.a only. The entire loan extended to PWDs for above purpose shall be refinanced by NHFDC to the concerned bank. Also the partner Banks will be able to earn 3% interest margin on above loans extended to PWDs.Any Bank interested to sign agreement with NHFDC for flow of concessional credit to PWDs may contact the office of Ministry of Social Justice and Empowerment, Govt. of India, Shastri Bhawan, New Delhi. From the data, it is observed that banks have disbursed Rs.2262 Lac to 1054 borrowers during the year ended March 2018.

(Amt. Rs. in Lac)During the FY ended March 2018 Sanctioned Disbursed

A/c Amt. A/c Amt.1053 2363 1054 2262

Bank wise information on flow of credit to disabled persons is given on Annexure No. 56 (P-229).


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

AGENDA ITEM NO. 41

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

The matter for allocation of targets under Swarozgar Credit Card Scheme for the financial year 2017-18 was taken up with NABARD, Regional Office, Chandigarh. It has been informed by NABARD Regional Office, Haryana that the scheme is under review and the targets shall be intimated at a later stage.The progress achieved in implementing Swarozgar Credit Card Scheme during the year ended March 2018 reveals that 3371 Swarozgar Credit Cards have been issued against the target of 23200 SCCs for the financial year 2017-18.

NABARD, Regional Office, Haryana is requested to convey the targets for the FY 2018-19 to SLBC Haryana Secretariat for onward communication to the member banks.

Bank wise Achievement vis-à-vis target during the year ended March 2018 (2017-18) has been given in Annexure No. 57 (P-230).

AGENDA ITEM NO. 42

PERFORMANCE IN IMPLEMENTATION OF NAYAK COMMITTEE NORMS

During the current financial year ended March, 2018, Banks have sanctioned working capital limits to 14427 small manufacturing units amounting to Rs.3504 Crore out of which 14320 small manufacturing units with working capital limits amounting to Rs.3477 Crore were sanctioned as per Nayak Committee Norms. Thus, banks have sanctioned 99% cases as per Nayak Committee Norms during the period under review. Bank-wise data is given in Annexure No. 58 (P-231).

AGENDA ITEM NO. 43

GOLDEN JUBILEE RURAL HOUSING FINANCE SCHEME OF NATIONAL HOUSING BANK

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


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

total no.March 2016 2581 95 432 16.7%March 2017 2546 193 294 11.6%March 2018 2540 198 312 12.2%

During the period ended March 2018 banks have disbursed loans amounting to Rs. 198 Crore to beneficiaries as compared to Rs.193 Crore disbursed to 2540 beneficiaries during same period of last year. Out of beneficiaries, the share of SC/ ST is 12%. Controlling heads of banks are requested to further increase the credit disbursement under this sector as loans are fully secured and percentage of Recovery is also satisfactory. As per the guidelines, banks should include all the housing loans made in rural areas under this scheme irrespective of the amount of loan advanced.

The data provided by Banks is given in Annexure No.59 (P-232). AGENDA ITEM NO. 44

GENERAL PURPOSE CREDIT CARD SCHEME (GCC)

Banks have issued 2,58,884 cards amounting to Rs.12,06,067 Lacs upto 31.03.2018 since inception of the scheme. Since there is great thrust of Department of Financial Services, MOF, GOI and RBI on total Financial Inclusion, banks are requested to issue maximum number of GCCs to the people in the Rural Area having no land to start their income generating activity. Bank wise progress is given in Annexure No. 60 (P-233).AGENDA ITEM NO. 45.1

GOVERNMENT SPONSORED SCHEMES BEING IMPLEMENTED THROUGH NABARD

NABARD has been implementing various Centrally Sponsored Subsidy Schemes for passing on Subsidy to the beneficiaries financed by the participating banks.

The details of the capital subsidy sanctioned under different Govt. Sponsored Schemes during the year ended March 2018 (2017-18) in the State of Haryana are as under:-


Name of Scheme No. of Proposal

s

Amount Sanctioned

During the FY 2017-18 (Rs. lakh)

Amount Disb.During the FY

2017-18(Rs. lakh)

Advance SubsidyCISS - Rural Godowns 2 4.433 469.549CISS-ISAM 377.63Subtotal : 2 4.433 847.179Final/OT SubsidyCISS - Rural Godowns 17 1051.295 2202.823CISS-ISAM 9 120.700 370.868CISS - Cold StorageCLCSSACABC 7 31.499 26.099DEDS 297 243.566 246.834CSS - AH SchemePVCF (Subsidy) JNNSM# 1 0.310Solar Pump Set Scheme

3 14.328 14.328NPOF 33.000NLM-EDEG 15 107.775 32.325Sub Total 349 1569.473 2926.277Grand Total 351 1573.906 3773.456

This is for the information of House.AGENDA ITEM NO. 45.2

FINANCING OF RURAL GODOWNS-PROGRESS AS AT MARCH, 2018

During the year ended March 2018, banks in the State of Haryana have financed 508 Rural Godowns amounting to Rs.807 crore, of which 225 Godowns amounting to Rs.140 crore have been sponsored by NABARD and remaining 283 involving Rs.667 crore have been directly financed by banks.Bank wise progress is given on Annexure No. 61 (P-234)

AGENDA ITEM NO. 46

SANCTION OF LOANS BY BANKS TO TRAINED CANDIDATES UNDER THE CENTRAL SECTOR SCHEME “ ESTABLISHMENT OF AGRI-CLINIC &


AGRI- BUSINESS CENTRES”(ACABC)During the year ended March 2018, banks have financed 45 Agri-Clinics and Agri- Business Centres amounting to Rs.574 lakh. An amount of Rs.886 lakh was outstanding in 235 accounts as at March, 2018. Bank wise progress is given on Annexure No.62 (P-235)

The Controlling Heads of the banks are requested to advise their branches in the state to clear the pendency to facilitate the trained candidates to establish Agri-Ventures by availing bank loan. LDMs are also requested to review the progress of financing under ACABC to trained students in DLRC meetings.

AGENDA ITEM NO. 47

ARTISANS CREDIT CARD SCHEME (ACCs) PROGRESS UPTO MARCH, 2018

During the period ended March 2018, banks have issued 1576 Artisan Credit cards amounting to Rs.293 lac. The cumulative progress under ACC scheme since its inception is 9741 cards amounting to Rs.4482 Lakh of which 209 cards are covered under CGTMSE with an amount of Rs.193 lac. Major participating banks in the scheme are HARCO Bank (3661), PNB (2598), SBI (2359), Syndicate Bank (405), Bank of India (234), Bank of Baroda (134) and UCO Bank (92).Bank-wise position is given at Annexure No. 63 (P-236).AGENDA ITEM NO. 48

PROGRESS OF CASES FILED UNDER LOK ADALATS

It is observed that during the year ended March 2018, 64942 cases involving Rs.210391 Lac were filed before the Lok Adalats out of which 5092 cases amounting to Rs.7299 Lac were settled.Bank wise data is given on Annexure No.64 (P-237).


AGENDA ITEM NO. 49

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

Bank-wise and district-wise data is given on Annexure No.65.1-65.2 (238-239).

AGENDA ITEM NO. 50

POSITION OF ATMs INSTALLED BY BANKS IN THE STATE OF HARYANA

Area Category

ATMs as at March

2017

ATMs installed during P.E.

March 2018

ATMs closed during the P.E

March 2018

ATMs as at March,

2018Rural 1031 64 176 919Semi-Urban 1621 83 135 1569Urban 3752 195 215 3732Total 6404 342 526 6220

Bank wise position is given on Annexure No. 66 (P-240).

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