minutes of the 160th meeting of slbc, gujarat€¦ · government schemes. he mentioned that the...

Minutes of the 160th meeting of SLBC, Gujarat

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The 160th meeting of SLBC, Gujarat was held on 19th March 2019 at Auditorium, Dena

Laxmi Bhavan, Ashram Road, Ahmedabad. The meeting was chaired by Shri Karnam

Sekar, Managing Director & Chief Executive Officer, Dena Bank and co-chaired by Shri

Sanjay Prasad, Addl. Chief Secretary, Agriculture Cooperation & Farmers welfare

Dept., Govt. of Gujarat. Among others, the meeting was attended by Shri Milind

Torawane, Secretary (Expenditure), Finance Dept., Govt. of Gujarat, Shri V Ranga

Rao, OIC & GM, Reserve Bank of India, Shri Sunil Chawla, Chief General Manager,

NABARD, Shri R K Agrawal, General Manager, State Bank of India, Shri K V

Tulshibagwale, General Manager, Bank of Baroda, Shri Rohit Patel, Convenor-SLBC

and General Manager, Dena Bank and other Senior Officials from various Departments

of State Govt., executives from various Banks, Insurance Companies, Lead District

Managers etc. The list of participants in the meeting is enclosed.

Beginning proceedings of the meeting, Shri Patel in his inaugural address introduced

Shri Karnam Sekar, Chairman of SLBC, Gujarat and also MD & CEO of Dena Bank, as

Shri Sekar was attending his debut meeting of SLBC, Gujarat. Welcoming all the

participants on the dais & off the dais, Shri Patel requested Shri Sekar to deliver his

keynote address.

Shri Karnam Sekar impressed upon following important points in his key-note address:

1. Appreciated performance of Banks under Annual Credit Plan (ACP), as Banks

have achieved 94% of disbursement target by the end of December quarter.

However exhorted Banks to ensure that Small & Marginal Farmers do get their

due share in total agriculture credit.

2. Urged Banks to complete the exercise of classifying their existing Banking

Correspondent (BC) model as Banking Outlet (BO), as set by RBI for Banking

Outlet (BO).

(Action: Concerned Banks)

3. This meeting being last meeting of SLBC, Gujarat under the flag banner of Dena

Bank, expressed gratitude to all Members of this august forum for extending their

vital and ever existing cooperation to SLBC Gujarat from time to time.

Shri Sunil Chawla in his address highlighted following important aspects:

1. On the one hand Agri. /Crop loan targets are not being achieved and on the

other, there are still 25 lakhs land accounts against which Kisan Credit Card

facility has not been extended. Urged State Govt. & Banks to organize camps in

each district, once the General Election to Lok Sabha is over, to ensure each

farmer qualifying requisite criteria is extended KCC facility.

(Action: All Banks)


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2. As the scheme of Kisan Credit Card is extended to Aninal Husbandry & Fisheries

(AH &F) and since Gujarat is having longest coast line in the country, urged

Banks to extend working capital facility to rearers / fishermen engaged in the

activities of Animal Husbandry & Fishing.

(Action: All Banks)

3. Urged Banks to claim reimbursement of expenses for conducting Financial

Literacy Camps, as despite NABARD extending grant assistance for conducting

FLCs, hardly any Bank is claiming reimbursement of the same.

(Action: Concerned Banks)

4. Appreciated and acknowledged role of SLBC being played so far under the

Convenorship of Dena Bank.

Following key takeaways emerged from the address of Shri Ranga Rao:

1. Apprised the House that due to amalgamation of Dena Bank and Vijaya Bank

with Bank of Baroda, matter of allocation of role of SLBC Convenorship for the

State and Lead Bank responsibility in 10 districts of the State are being examined

by RBI and final decision in this regard will be communicated to all concerned

shortly.

2. Expressed concern over large Pendency in disposal of loan applications under

Government Schemes. He mentioned that the bank has discretionary right to

decide whether or not to grant a loan, but failure to communicate the decision in

writing with reasons thereof constitutes deficiency in service.

(Action: All Banks)

3. Advised all banks to scrupulously adhere to the instructions issued by the

Election Commission in the view of ensuing General Elections to Lok Sabha.

4. Highlighted initiatives launched by RBI such as Expert Committee on MSMEs,

Working Group to Review Agriculture Credit, KCC scheme for AH & Fisheries

and Enhancement in Collateral free agricultural loan.

Shri Sanjay Prasad exhorted upon following important aspects:

1. Exhorted for deriving and presenting Taluka wise C/D ratio, as it may assist in

better evaluation of District, and Taluka lagging in performance could be focused

more, so as to improve overall performance of District.

(Action: All LDMs)


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2. Emphasized on negating the gap between number of farmers and number of

Kisan Credit Card holders and also urged for filling the gaps of Unbanked Rural

Centers.

(Action: All Banks)

3. Appreciated Dena Bank for successfully carrying out responsibilities of

Convenorship of Dena Bank over the years.

Presentation of Agenda of the meeting

Owing to imposition of Model Code of Conduct (MCC) in the view of ensuing

General Elections to Lok Sabha, the review of few schemes was dropped from

the agenda of the meeting.

1. Follow up action on pending issues:

(i) Development of online portal for sponsoring and tracking of loan

applications of the State Govt. sponsored schemes: Representative

from NIC presented demonstration of the portal in the meeting and it was

informed that portal is in very advanced stage of roll out.

(Action: Finance Dept., GoG)

(ii) Issuance of order for Physical Possession by District Magistrate

under SARFAESI Act 2002: Banks have reported instances where

despite issuance of order for taking over Physical Possession by District

Magistrate, local Police Authorities were once again carrying out

verification of documents and recording statement of Bank officials, which

is just unwarranted and ultra-virus as per the SARFAESI Act. Hence, it

was requested that matter may please be brought in the cognizance of

Home Dept., Govt. of Gujarat and necessary instructions to Police

Authorities be issued to desist from this practice.

(Action: Finance Dept., GoG)

2. District-wise C/D Ratio: The gradual progress of districts under this crucial

parameter was appreciated, as there only 6 districts of the State having C/D ratio

below 40%. It was also requested that account-wise C/D ratio i.e. per account

credit & deposit, be derived and presented in the SLBC meeting which may offer

realistic outlook of the C/D ratio.

(Action: SLBC)

3. MSME Support & Outreach Campaign: Under the campaign, it was observed

that all the 9 districts together achieved 97.73% of allotted targets in terms of

deliverables under “Ease of Access to Credit” parameter of the campaign.


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4. Banking Outlets: Banks planning to open Banking Outlet (BO) in Unbanked

Rural Centers (URCs) in the FY 2019-20, shall earmark the same on the online

portal of SLBC and the center will be reserved for opening of BO by the

earmarking Bank till the end of ongoing FY.

Banks were also exhorted to complete the exercise of marking their existing

Banking Correspondent model as Banking Outlet provided it satisfies the

stipulations as set out by the RBI.

(Action: All Banks)

5. Deployment of Additional Banking Correspondent in the identified 755

villages: As per the representation made by State Bank of India, 12 villages

were delisted for opening of Banking Outlet owing to very thin population in those

villages. Out of total remaining 743 villages (755-12), Banking Correspondents

have been deployed in 734 villages, 8 villages are pending for opening of

Banking Outlet and 1 village remain non-reported by DCB Bank. Banks pending

with opening of Banking Outlet were advised to complete the exercise at the

earliest.

(Action: Central Bank of India & DCB Banks)

6. Connectivity issues hampering delivery of Banking Services by BCs: As

submitted by various Banks, SLBC prepared list of 200 locations where BCs/

CSPs are facing connectivity issues and submitted the same to Dept. of

Telecom, Ministry of Communication, Govt. of India for resolving the issues being

faced by BCs/ CSPs. SLBC was advised to share the same list of 200 locations

with Govt. of Gujarat, so that Govt. of Gujarat may further take up the matter to

resolve connectivity issues being faced by BCs/ CSPs.

(Action: Finance Dept., Govt. of Gujarat)

7. KCC scheme for Animal Husbandry & Fisheries and enhancement in upper

ceiling of collateral free agricultural loan: As the Kisan Credit Card facility has

been extended to Animal Husbandry & Fisheris also, Banks were advised to

extend credit facility to the rearers of Animals and Fisherman as per RBI’s

circular dated 04th February 2019.

RBI vide its notification dated 04th February 2019 has informed about

enhancement in the upper ceiling of collateral free agricultural loan to Rs 1.60

lakhs from Rs 1 lakh and Banks were urged to apprise their field functionaries

about this modification.

(Action: All Banks)


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8. Pending issues related to RSETIs: Govt. of Gujarat was requested to resolve

issues related to re-allotment of land for RSETI Mahisagar and allotment of land

for RSETI Bhavnagar at the earliest.

(Action: Finance Dept., Govt . of Gujarat)

9. Awarding winners under the Perform for Pride of Atal Pension Yojana: The

Controlling Head of winning Bank Branches under the Perform for Pride

campaign of Atal Pension Yojana, were facilitated with trophies for achieving

qualifying criteria of Funded APY accounts under the campaign, which was

conducted from 12th to 19th December 2018.

In this last meeting of SLBC under the Convenorship of Dena Bank, Shri K V

Tulshibagwale, General Manager, Bank of Baroda while conveying vote of thanks

expressed gratitude to SLBC team & Dena Bank which has been convening the

SLBC meetings since inception.

***********

State Level Bankers’ Committee, Bank of Baroda, Gujarat

LIST OF PARTICIPANTS OF THE 160th MEETING OF SLBC HELD ON 19.03.2019

No. Name S/Shri/Smt. Designation / Department Institution / Organisation

1 Karnam Sekar Chairman - SLBC, MD & CEO Dena Bank

2 Sanjay Prasad, IAS Addl. Chief Secretary, Agriculture Dept. Govt. of Gujarat

3 Milind Torawane, IAS Secretary (Expenditure), FD Govt. of Gujarat

4 V Ranga Rao General Manager and OIC Reserve Bank of India

5 Sunil Chawla Chief General Manager NABARD

6 R. K. Agrawal General Manager State Bank of India

7 K. V. Tulshibagwale General Manager Bank of Baroda

8 Rohit Patel Convenor –SLBC , General Manager Dena Bank

Government Departments

9 L. P. Padalia, IAS Commissioner Higher Edu. Govt. of Gujarat

10 H. C. Modi, IAS Mission Director, NULM Govt. of Gujarat

11 A. K. Sinha Director (IF) & Secretary (FD) Govt. of Gujarat

12 Narendra Nandani Dy. Secretary (UID) Govt. of Gujarat

13 P. S. Rabari Jt.Dir. of Agri. Govt. of Gujarat

14 M. P. Thakar Jt. Dir. OBC Govt. of Gujarat

15 Hansa Mejiatar Jt. Sec Govt. of Gujarat

16 Dilip MD, GSCDC Govt. of Gujarat

17 Manoj Tank Asst. Director of Hort., Dept. of Hort. Govt. of Gujarat

18 Deepti Bhakta Asst. Director of Hort., Dept. of Hort. Govt. of Gujarat

19 Manjula DO, GWEDC Govt. of Gujarat

20 R. D. Trivedi Dy. RCS Govt. of Gujarat

21 Vikas Makwana State Officer GULM

22 T. K. Solanki Sr. Statistical Officer, MSMEDI Govt. of India

23 K. H. Patel Consultant (State Micro Finance) GLPC

24 M. J. Mehta Dy. Director, CCI Govt. of Gujarat

25 H. B. Patel Asst. Director, CCI Govt. of Gujarat

26 D. C. Singhal Asst. Director KVIC

27 Sabarinathan S. A SSA NIC

28 Nirmal STA - B NIC

29 Dharmendra Barot HFPS AHM

RBI /NABARD/SIDBI

30 Sangeeta Das Director (GM) Reserve Bank of India

31 D. B. Singh Dy. General Manager Reserve Bank of India

32 D. K. Nalband Dy. General Manager, DBS Reserve Bank of India

33 S. P. Sathaye Dy. General Manager NABARD

34 U. Y. Karmarkar Asst. General Manager Reserve Bank of India

35 Vimal Prakash Dubey Asst. General Manager SIDBI

36 N. D. Sharma LDO Reserve Bank of India

37 J. J. Oza LDO Reserve Bank of India

38 Prabha Jadav Research Officer Reserve Bank of India



INSURANCE COMPANIES & OTHERS

39 Vaibhav Regional Res. Representative NHB

40 S. Gurudatta Regional Chief HUDCO

41 Vimal Sharma AGH HUDCO

42 Dr. R. S. Rana Dy. Director NHB

BANKS

43 N. Satya Prasad General Manager Corporation Bank

44 A. K. Verma Dy. General Manager State Bank of India

45 K. A. Borawake Dy. General Manager Bank of India

46 S. Satyanarayan Dy. General Manager Andhra Bank

47 Bhuwan Chandra Dy. General Manager Indian Overseas Bank

48 Sherine Mendez Dy. General Manager IDBI Bank

49 Himanshu Shah General Manager GSC Bank

50 I. K. Gohil General Manager Saurashtra Gramin Bank

51 Rajiva Ranjan Asst. General Manager - SLBC Dena Bank

52 R. B. Solanki Asst. General Manager State Bank of India

53 G. C. Bhatnagar Asst. General Manager (R & AB) Bank of Baroda 54 Vijay Kumar Asst. General Manager Allahabad Bank 55 R Thiruvalluvar Asst. General Manager Central Bank of India 56 Kalyan Mukharjee Asst. General Manager Canara Bank 57 Balbir Singh Luthra Chairman Dena Gujarat Gramin Bank 58 M. S. Rathore Regional Manager Baroda Gujarat Gramin Bank 59 Sudhir K. Gupta Zonal Manager Indian Bank 60 Kiriti Banerjee Dy. Zonal Head Union Bank of India 61 Ronak Shah Asst. General Manager GSC Bank 62 Krishna Kumar Rawat Asst. General Manager Punjab & Sind Bank 63 Vijayan Kesavan AGM Indian Post Payment Bank 64 Mithilesh Jha Regional Manager ICICI Bank 65 Archana Thosar Cluster Head Yes Bank 66 Inder Mohan Singh DGM / RM Vijaya Bank 67 Hardik Gandhi Cluster Head - Ahmedabad Bandhan Bank

68 N. K. Jain Dy. Circle Head Punjab National Bank

69 L. Panigrahi Chief Manager United Bank of India

70 K. P. Singh Chief Manager Indian Bank

71 K. J. Singh Chief Manager Bank of India

72 R. P. Chetarji Chief Manager Vijaya Bank

73 M. L. Verma Chief Manager Dena Bank

74 Chirag Patel Chief Manager Dena Bank

75 Arun Jeet Singh Executive J & K Bank



76 Harish Gidwani Sr. Manager South Indian Bank

77 Sandip Chauhan Sr. Manager Bank of Baroda

78 Saurabh Kumar Sr. Manager Bank of Baroda

79 P. P. Shukla Sr. Manager Punjab National Bank

80 Dheeraj Meena Sr. Manager Vijaya Bank

81 Rajendra Behra Sr. Manager Andhra Bank

82 Kamal Kapadia Sr. Manager Central Bank of India

83 Yogesh Prajapati Sr. Manager Catholic Syrian Bank

84 Jignesh Sojitra Sr. Div. Manager Fincare Small Fin. Bank

85 Amit Parmar CM Equitas Small Fin. Bank

86 Hetal Soni Dy. Manager DCB Bank

87 Jignesh Fin. Officer GSCARD Bank

88 Santanu Ch. Das Manager Punjab & Sind Bank

89 Devi Shankar Suman Manager Karur Vysya Bank

90 Anurag Sharma Manager Federal Bank

91 Sunil Manager Corporation Bank

92 Ladu Ram Manager Canara Bank

93 Amit Singh Manager Union Bank of India

94 Saurabh Maurya Manager Allahabad Bank

95 Sagar Soni Manager Dena Bank

96 Nitesh Kumar Manager Dena Bank

97 K. K. Vikani Nodal Officer Indian Overseas Bank

98 Ami Nathwani RBMU Head Indusind Bank

99 Sharad Saraiya RBSCL Yes Bank

100 Pipal Shah Reg. Head HDFC Bank

101 K. Ganesh Reg. Opp. Manager Axis Bank

102 Rajesh ROSM AU Small Finance Bank

103 Rahul SM Indian Post Payment Bank

104 Aman Goel Deputy Manager City Union Bank

105 Satish DM Ujjivan Small Fin. Bank

106 Alpa Kothari Asst. Vice President HDFC Bank

107 Abhijit DM Equitas Small Fin. Bank

108 Nitin Tilak Agri. Officer Bank of Maharastra

109 Nikin Mathur Area Manager Kotak Mahindra Bank

110 Abhay Kirakte ASM Indian Post Payment Bank

111 Vishal Shah Asst. Manager Dhanlaxmi Bank

112 Ajay Uthappa Branch Manager Karnataka Bank

113 Rupen Parikh Branch Manager Suryoday Small Fin. Bank

114 J. C. Patel Consultant GSC Bank

LEAD DISTRICT MANAGER

115 J. A. Chotalia LDM, Tapi Bank of Baroda

116 R. M. Patel LDM, Dang Bank of Baroda

117 Sachin Sharma LDM, Valsad Bank of Baroda



118 R. B. Muniya LDM, Dahod Bank of Baroda

119 Kishore Solanki LDM, Bharuch Bank of Baroda

120 N. A. Khuman LDM, Narmada Bank of Baroda

121 Rasik G. Jethwa LDM, Surat Bank of Baroda

122 Kundan Lal LDM, Baroda Bank of Baroda

123 Kiran Chauhan LDM, Panchmahal Bank of Baroda

124 Pradeep Lakra LDM, Mahisagar Bank of Baroda

125 Asil Khristi LDM, Anand Bank of Baroda

126 Kanakkumar Pathak LDM, Chhotaudepur Bank of Baroda

127 Divyesh Parikh LDM, Kheda Bank of Baroda

128 Dr.Kamlesh Nandasana LDM, Devbhumi Dwarka Dena Bank

129 Deependra Singh LDM, Mehsana Dena Bank

130 Kalyan Jakhar LDM, Banaskantha Dena Bank

131 Haresh Patel LDM, Aravalli Dena Bank

132 M. J. Patel LDM, Patan Dena Bank

133 A. L. Jetawat LDM, Gandhinagar Dena Bank

134 R. S. Mishra LDM, Sabarkantha Dena Bank

135 Kushal Parikh LDM, Botad Dena Bank

136 Lalit Vadher LDM, Ahmedabad Dena Bank

137 S. V. Trivedi LDM, Bhavnagar State Bank of India

138 U. P. Shukla LDM, Jamnagar State Bank of India

139 G. K. Oza LDM, Rajkot State Bank of India

140 P. B. Joshi LDM, Surendranagar State Bank of India

141 J. H. Vala LDM, Morbi State Bank of India

142 Vinod Darji LDM, Amreli State Bank of India

143 M. R. Wadhwani LDM, Junagadh State Bank of India

144 Ashok Vyas LDM, Gir Somnath State Bank of India

145 Ajit Singh LDM, Porbandar State Bank of India

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