to supplement credit flow from banking sector to provide timely and affordable credit promote...
TRANSCRIPT
స్త్రీ�నిధిపేద మహిళల
పెని ధిPDS CONFERENCE
06-FEBRAUARY-2014
• To supplement credit flow from banking sector
• To provide timely and affordable credit
• Promote livelihood finance and project based lending
స్త్రీ�నిధి
Changes in Loan policy• Loans to SHG members in the same SHG-not exceeding 6
members at any point of time • 85% of VO credit eligibility to income generating
activities instead of 75% • Stree Nidhi as channelizing agency for Unnathi• Loan requests for all livelihood activities in the VO
meetings only• Loan requests for emergency/consumption purposes in
the presence of 6 members of EC• Credit limits depending upon Own funds, grade of VO, no
of SHGs affiliated-in respect of VOs in A and B grade VOs • Mobile no of borrowing member is captured to ensure
transparency• SMSs are being sent to all the staff concerned for proper
monitoring
Business Correspondent Activities
• Stree Nidhi positioned as corporate BC to SBI, Andhra Bank and SBH- Other banks in pipe line.
• About 2500 villages have already been allotted to us by banks
• It would be a game changer so far as banking services and financial inclusion is concerned
• Extending banking facilities in village itself- customers’ door step like ATM
• Saving in time and transaction cost to customers- Visits to branch can be reduced to a great extent
• Providing livelihood to a SHG member as Village Level Entrepreneur (VLE)
• Providing Laptop, printer, Biometric machine and Web Cam on loan basis to the VLE
• Ease of financial services to SHGs• Mangers (FI)posted in 6 districts, 2 AGMs(FI) and a
DGM to monitor the activity appointed
Other Initiatives
• StreeNidhi MS committee constituted and trained
• Using the services of SSAAT & CRP Audit institution
Disbursement: District wise Achievement
VZNM NLG KRMNR EG ANRP MBNR KMM MDK PRKSM VSKP ADB RR KRNL KRSN GTR SKLM WG WGL NLR KDP NZB CTR0
20
40
60
80
100
120
140
919 21 22
30
14
47
2632
18 18 2028
8
48
13
26
50
26 31
84
130
23
43 40 40
47
20
68
38
44
24 2326
32
9
52
10
14
27
1413
3
0
To be achieved Rs. in cr. Achieved in Rs. in cr.
ADB ATP CTR EG GTR KDP KMM KR KRNL KRNR MBNR MDK NLG NLR NZB PRK RR SRKLM VSKP VZNR WG WRGL0
200
400
600
800
1000
1200
1400
1600
1800
437
879
1603
749940
501
1169
568 661
105297
803579 681
961 829
467190
530 528818
210
50
290
38
181117
42
200
171181
18
166
13
216 122
34
154
134
14
40 121
28
19
A Grade VOs not availed loans A Grade VOs availed loans
ADB ATP CTR EG GTR KDP KMM KR KRNL KRNRMBNR MDK NLG NLR NZB PRK RR SRKLMVSKP VZNR WG WRGL0
50
100
150
200
250
300
350
400
450
500
142235
152211
325
146
264188
11057 84
18199
142214
278191
121 143 107
255
37039
143
20
96
91
22
87
111
72
2561
40117
72
27
176
65
1730 105
51
94
B Grade VOs not availed loans B Grade VOs availed loans
Loans Status of A & B Grade VOs
B Grade VOs
A Grade VOs
38%
22%
19%
2%
10%
6%2%
Agriculture
Dairy
Income generation Activity
Weavers
Education
Health/Emergency Needs
Marriage
Purpose wise Loan disbursement
KMM EG PRK ATP GTR KRMRVSKP KR KDP SKLM WGL WG ADB MBNRMDK NLG NLR NZB CTR KRNL RR VZM0
1
2
3
4
5
6
7
8
99
7 7
4 4 4 4
3
2 2 2 2
1 1 1 1 1 1
0 0 0 0
VOs with ZERO recoveries
No.of Vos(56)
0
1000
2000
3000
4000
5000
6000
7000
291 312 206 17174
141117 121 163 53 151 24 37 64 72 116 68
39 26
3139
4415
3,071 3085
1377
28652668
2827 3853
1551
6134
1013
1672
29583461
5855
4068
2644
2584
Total Outstanding (Rs. in lakhs) NPA (Rs. in lakhs)
District wise NPA Status
66%
17%
17%
>4% 2-4% <2%
NPA STATUSRange District Name NPA %
< 2%
Karimnagar 1.98Medak 1.66
Nalgonda 1.47
Ranga Reddy 1.02
Warangal 0.90
Chittoor 0.54
Nizamabad 0.18
2-4 %
Mahabubnagar 3.43
Guntur 2.45
Kurnool 2.33
Srikakulam 2.23
Krishna 2.17
Kadapa 2.08
>4%
East Godavari 9.27
Prakasam 7.08
Khammam 6.70
Nellore 5.55
Vizianagaram 5.36
Visakhapatnam 4.93Adilabad 4.40West Godavari 4.28Anantapur 4.24
Samrudhi , 13cr.
Sankalpa , 35cr.
Deposits to be adjusted , 15cr.
Samrudhi
Sankalpa
Deposits to be adjusted
Total Deposits: 63cr.
Deposits Mobilised
Rampach
odavara
m
Jagga
mpeta
Talla
revu
Tuni
Ramach
andra
Puram
Addateeg
ala
Biccav
olu
Peddap
uramRazo
le
Amalapuram
Rajanag
aram
Ravulap
alem
0
20
40
60
80
100
120
13.02
20.96
46.99
61.9059.41
22.42
95.10
50.73
86.59
30.35
72.63
58.65
87
82 81
75
85
91 91 9396 96
98 99
33
29
21 21 19
14
96 4 2 1 10.0 0.0 0.4 0.6 0.1 0.0 0.0 0.6 0.8 0.0 0.0 0.0
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
East Godavri - AC Cluster wise
Yerragondapalem Kandukur Kanigiri Santhanuthlapadu Kondapi Bestavaripeta Addanki Markapur Vetapalem Inkollu 0
20
40
60
80
100
120
36
43
57
47
69
43
61
5659
54
82
9391
94 93 94 94 9694
97
18
11 9 8 8 6 6 5 5 50
63
9 85 4
6 5 6
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Prakasam-AC Cluster
Burgampahad Charla Kothagudem Bhadrachalam Manuguru Sathupalle Madhira Kamepalle Yellandu Mudigonda0
20
40
60
80
100
120
10
36 35
46
64
4850
46
32
7073 72
92 9188
93 9396
98 98
48
26
18
13
97 7
2 1 11 24
03
1012
28
5
20
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Khammam - AC Cluster
Nellore – AC Cluster
Udayagiri Sullurpeta Venkatagiri Kavali Indukurpet Gudur Atmakur Kovur0
10
20
30
40
50
60
70
80
90
100
34 35
57
8891
57
100
64
71
93 94 9497
9598 98
38.7
7.6 7.4
3.4 3.0 2.3 1.8 0.71 1 1 03 2
5 4
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Garividi Bobbili Gajapathinagaram Parvathipuram Srungavarapukota Vizianagaram Salur0
10
20
30
40
50
60
70
80
90
100
35
2427
48
34
64
40
9092
95 94 96
99 100
16.4
10.6
6.4
1.2 1.0 0.7 0.00 0 0 1 2 42
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Vizianagaram-AC Cluster
Visakapatnam – AC Cluster
Paderu
Araku Valle
y
Chodavaram
Anakapalli
Narsipatn
am
Pendurthi
Bheemunipatnam
Yelamanchili
Chintapalle
0
10
20
30
40
50
60
70
80
90
100
0 0
48
43 44 4340
57
0
33
67
92 9395 95 97 97
0
97
78
97 6
42 2
00 0 1 2 36
19
6
0
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Kouthala Kagaz Nagar Jainad Kasipet Ichoda Kaddampeddur Chennur Mancherial Nirmal Bhainsa Utnoor0
20
40
60
80
100
120
14
25
48
36
59
41
56 5760 61
0
87
92 91 92 93 94 9698 99 99
2119 17
11 107
51 1 1 00
19
51
6 7
43
33
15
20
0
% of achievement against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Adilabad – AC Cluster
Tadepalligudem Chintalapudi Jangareddigudem Denduluru Nallajerla Undi Tanuku Narasapuram Nidadavole0
10
20
30
40
50
60
70
80
90
100
67
52
6662
71
83
64
79
8992 93
99
94 9597 97
9497
1510 9
5 4 3 3 1 00.0 0.0 0.0 0.0 0.0 1.7 0.0 0.02.6
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
West Godavari – AC Cluster
Kalyan
durg
Rayad
urg
Hindupur Kad
iri
Pamidi
Uravak
onda
Dharmav
aram
Tadpatr
i
Madak
asira
Kothacheru
vu
Bukkara
yasam
udram
Obuladev
arach
eruvu
0
20
40
60
80
100
120
140
23
46
40
66 64
31
48
67
60
6972
130
79
89 8993 94
96 95 95 96 97100 100
26
117 6 5 4 4 2 2 2 1 00 1 0 0 1 1 0 0
61 1 2
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Anantapuram - AC Cluster wise
Gadwal
Jadch
erla
Acham
peta
Mak
thal
Nagar
Kurnool
Alampur
Kalwak
urthy
Narayan
pet
Devarka
dara
Kollapur
Kodanga
l
Mah
bubnagar
Shad
nagar
Wanapart
hy 0
20
40
60
80
100
120
83
35
57
85
29 28
0 0
58
35
40
0
54
9292
98
89
96
90
100
9593
91 92 91
119
6 5 5 4 41 1 1 1 1 0 00
30
9
0 1 0 0 1 0 0 0 02
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Mahaboob Nagar-AC Cluster
Vinukonda Macherla Sattenapalle Repalle Dachepalle Tenali Mangalagiri Narasaraopeta0
20
40
60
80
100
120
37
5450
67
47
74
100
62
91 91
96 9795 96 98 99
86 4 3 3 2 2 0
3 3 4
11
26
17
9
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Guntur- AC Cluster wise
Yemmiganur Kodumur Atmakur Adoni Dhone Nandi Kotkur Nandyal Allagadda Alur Koilkuntla Pattikonda0
20
40
60
80
100
120
0
16
36
58
44
54
40
65
60
72 72
9798 99
91
100 100 100 100 100 100 99
13
7
2 2 1 0 0 0 0 01 03
1
11
4 5 4
03
1
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Kurnool - AC Cluster
Seethampeta Pathapatnam Etcherla Tekkali Sompeta Palakonda Narasannapeta Rajam0
20
40
60
80
100
120
68
53 55
6164
84 84
58
87
9795
98 99 100 99
71
27
1 0 0 0 00 03
1
5
0 1
7
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Srikakulam: AC Cluster
Seethampeta Pathapatnam Etcherla Tekkali Sompeta Palakonda Narasannapeta Rajam0
20
40
60
80
100
120
68
53 55
6164
84 84
58
87
9795
98 99 100 99
71
27
1 0 0 0 00 03
1
5
0 1
7
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Srikakulam: AC Cluster
Kodur S Mydukur Kamalapuram Rayachoti Lakkireddipalle Rajampet Proddutur Pulivendla Badvel Jammalamadugu0
20
40
60
80
100
120
52.24 52.05
87.77
68.0470.08
77.03
82.84
77.2879.34
85.74
92
99
9496 97 97
99 100 100 100
19.7
11.68.3
6.2 4.82.4 1.4 0.9 0.7 0.1
26
14
2 3
12
5 6 5
0
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Kadapa - AC Cluster wise
Kataram Vemulawada Manthani Huzurabad Gangadhara Sirsilla Jagtial Manakondur Metpalle Peddapalle Husnabad0
20
40
60
80
100
120
25
49
42
72
65 66
42
73
45
100 100
83
9693 95
97 9599 98 99 99 99
20
6 63 2 2 1 0 0 0 01
5 6
23
31
16
4
21
12
71
53
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits contributed
Karimnagar - AC Cluster wise
Zahirabad Medak Narayankhed Narsapur Dubbak Andole Gajwel Sangareddy Siddipet0
20
40
60
80
100
120
3133
40
47
54
40
64
73
45
9598
95
99 99 98100 99 100
95 5
1 1 1 1 0 0
9 7
1
17
5
14
3634
41
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Medak-AC Cluster
Huzurnagar Thunga Thurthi
Narketpalle Valigonda Chandur Bhongir Devarakonda Munagala Nakrekal Nidamanur0
10
20
30
40
50
60
70
80
90
100
12
18
94
38
32
84
65
72
2630
92
9698 99 99 100
82
98 97
60
12
7
1 0 0 0 0 0 0 00 02 2
0
18
0 02
0
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Nalgonda-AC Cluster
Vikarabad Medchal Tandur Ibrahimpatam Pargi Saroornagar Chevella 0
20
40
60
80
100
120
20
88
60
5046
73
37
95
100 98 9795
99 100
63 2
1 0 0 01 0 1 1 1 15
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Ranga Reddy-AC Cluster
Janga
on
Ward
hannap
et
Dharmasa
gar
Thorru
r
Mulug
Geesu
gonda
Mahab
ubabad
GHANPUR (STA
TION)
Eturn
agara
m
Kothagudem
Parkal
0
20
40
60
80
100
120
48
75
63
80
6462
81
71
25
0
54
98 97 98 98 99 99 9799
68
78
100
2.1 2.0 1.2 0.9 0.6 0.5 0.2 0.1 0.0 0.0
16.5
23.7
43.0
18.4
34.3
51.4
11.5
36.3
4.10.0
41.3
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Warangal-AC Cluster
Kuppam
Mulakala
cheru
vu
Srika
lahasti
Nagari
Puttur
Palaman
er
Vayalp
ad
Tirupati
Pile
ru
Chittoor
Punganur
Chandrag
iri0
20
40
60
80
100
120
50
71
61
8084
73
80
92
84
96
83
9695 96 95 96 95 96 9795
9896 96 97
2.8 1.4 1.0 0.6 0.6 0.4 0.4 0.4 0.3 0.3 0.2 0.0
10
47
15
51
59
15
44 43
38
45
51
56
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Chittoor - AC Cluster wise
Jukkal Yellareddy Bodhan Bheemgal Banswada Armur Dich Palle Kamareddy0.00
20.00
40.00
60.00
80.00
100.00
120.00
57
76
85
7880
99
80
10097 97 99 98 98 98 98 98
1 1 0 0 0 0 0
16
43
39
26
37
5350
64
% of credit disbursed against Target Recovery % NPA % % of Samrudhi deposits Mobilsed
Nizamabad-AC Cluster
Actively Involved Need Improvement Not Actively Involved0
10
20
30
40
50
60
70
80
90
54
83 79
Area Co-ordinators involvement - Stree Nidhi
No.of Acs (216)
25%
38.43%36.57%
GTR KDP KRNL CTR KMM ADB MBNR ANTP SKLM KRMR NLR PRKM VSKP VZM WGL EG KRSN MDK NLG RR WG NZB0
2
4
6
8
10
12
14
16
0
2 2 2
0
3
5
3
1
6
10
32
5 5
12
32
3 3
1
12
4
3
3
4
5
3
2
47
3
2
3
5
7 5
5
4
5 5
7
7
7
6
6
5
5
4
4
3
3
3
3
3
3
2
2
2
2
1
10
Not Actively Involved Need Improvement Actively Involved
District Wise Area Co-ordinators involvement - Stree Nidhi
ISSUES AND PROBLEMS
• Loan misutilisation–OBs/VOAs/Staff• Equal distribution of loans-
Benami loans• Loan documents not taken• Mobile not with community• Loans given to outsiders• Loan diversion- not utilized for the
purpose for which it is applied• No meetings and books in VO
The level of NPA shall be brought down to below 0.5% by 10th March 2014.
Regular review meets will be conducted with non performing Mandals and ACs concerned.
Fortnightly review meetings with StreeNidhi Sub Committee members will be conducted. MS Sub Committee member’s services will be for :
To ensure repayment of loans including NPA accounts.
Verification of loan documents. Verify assets created out of loans. Ensure mobilization of Samruddhi and Bhavitha
deposits.
ACTION POINTS:
ACTION POINTS• Conduct special MS EC meeting exclusively for StreeNidhi using
service charges paid to MS• Unadjusted recovery entries- to be adjusted within 5 days from
the date of receipt / payment. • Review of cases relating to Misutilization of loans by Project
Director, DRDA. • Establishment of Business Correspondent (BC) services in the
identified villages in each district- follow guidelines for identification of VLEs- involving VOs.
• Conduct of social audit by SSAT, CRP Audit Institution- from next week- VOs identified will be forwarded to DRDAs along with schedule
• Validation of SHG accounts- One lakh SHG SB accounts are not matching with banks-unless the accounts are validated, the SHGs are not eligible to access loan from StreeNidhi.
• Opening of SB accounts by VOs exclusively for making recoveries in respect of Unnathi loans sanction by StreeNidhi.
