190th Meeting of State Level Bankers’ Committee of … Meetings/195th SLBC Agenda.docx · Web view195th Meeting of State Level Bankers’ Committee of Andhra Pradesh (12th Meeting

Agenda & Background Notes

12.09.2016 10.30 AM Vijayawada

195th Meeting of State Level

Bankers’ Committee of

Andhra Pradesh (12th

Meeting of Reorganized

A.P State)

Andhra Bank, Head Office, Dr. Pattabhi Bhavan, Saifabad, Hyderabad – 500 004Phone: 040-23231392, 23252375, 23252387, Fax: 23234583 & 23232482, Email:

SLBC of AP 195 th meeting of SLBC Convener:

195th SLBC Meeting Agenda – Index

01. Adoption of Minutes

S. No Particulars Page No.

1.1Adoption of the minutes of 194th SLBC meeting of AP held on 09.06.2016 & other meetings of SLBC held after 09.06.2016

9

02. Major Action Points of earlier SLBC / Steering Committee Meetings – ATR


2.1 Visit to Service villages by banks at block and district level along with Government officials on every Wednesday starting from 06.01.2016 and to have interaction by branch team with customers in Urban & Metro branches

10

2.2 Sanction & disbursement of five Term loan accounts (excluding Gold loans and Crop loans)under Priority sector per branch per month to improve term lending

10

2.3 Simplification of procedure of creation of Charge / Mortgage of land with no registration charges

10

2.4 Allotment of sites to RSETIS 102.5 Engaging SHG members as Banking Correspondents in Krishna District 112.6 Operational guidelines on ‘Certificate of Cultivators’ 112.7 Clarification on continuation of WCC and availability of Margin Money 11

3.0 Conduct of meetings under Lead Bank Scheme


3.1 Conduct of meetings under Lead Bank Scheme 12

4.0 Banking Statistics


4.1 Banking at a Glance in Andhra Pradesh as on 30.06.2016 13 4.2 Banking Key Indicators of Andhra Pradesh 14

4.3 Comparative Statement of Banking Key Indicators 14 4.4 Statement of Priority Sector Advances (out standings) 15

05. Achievement of Annual Credit Plan 2016 –17

2



5.1 Achievement of Annual Credit Plan as on 30.06.2016 175.2 Share of Banks in Achievement of ACP 2016-17 195.3 Annual Credit Plan Achievement – Last Three years 245.4 Comparative Statement of Credit Disbursements (Y-o-Y) 25

06. Agriculture Sector

S. No. Particulars Page No.

6.1 Progress in lending to Agriculture Sector 26

6.2 Progress in lending to LEC holders 27

6.3Performance of Joint Farming Groups of ‘Bhoomi Heen Kisan’ during the year 2016-17

27

6.4 Pledge financing against Negotiable Warehouse Receipts (NWRs) 28

6.5Vaddi Leni Runalu and Pavala Vaddi scheme on crop loans - Reimbursement of pending claims to banks

28

6.6 Pradhan Mantri Fasal Bima Yojana (PMFBY) 296.7 Relief Measures by Banks in Areas Affected by Natural Calamities 296.8 Union Budget - 2016-17 – Interest Subvention Scheme 296.9 Green Kisan Credit Card – Micro Finance initiative for Tribal 29

6.10Implementation of Annuity based financing to Micro Irrigation Companies under Individual and community based approach

30

6.11 Loan Charge Creation Module 30

07. Micro, Small & Medium Enterprises (MSME) Sector

S. No. Particulars Page No.

7.1 Position of Lending under MSME sector 317.2 Stand Up India Scheme 327.3 Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Scheme-

Progress made by Banks 33

7.4 Pradhan Mantri MUDRA Yojana (PMMY) 33

7.5 Coir Udyami Yojana (CUY) 34

7.6Study to find out unidentified / unrecognized clusters of MSMEs in India in order to facilitate availability of banking outlets and credit flow in such clusters

34

08. Housing Loans

3



8.1 Position of Housing Loans as on 30.06.2016 358.2 Housing for All (Urban) under Pradhan Mantri Awas Yojana 358.3 Issues relating to RGK & VAMBAY 35

09. Education Loans


9.1 Position of Education Loans as on 30.06.2016 36

10. Export Credit


10.1 Position of Export Credit in Andhra Pradesh 36

11. Credit Flow to Minority Communities, weaker sections, women and SC/STs


11.1Credit Flow to Minority Communities, weaker sections, women and SC/STs for the last three years

36

12. Government Sponsored Schemes - Government of India


12.1 Deendayal Antyodaya Yojana - National Rural Livelihood Mission (DAY-NRLM) 3812.2 Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY -

NULM) 39

12.3 Prime Ministers’ Employment Generation Programme (PMEGP) 3912.4 Handloom Weavers 4012.5 Dairy Entrepreneurship Development Scheme (DEDS) 4012.6 Agri - Clinics & Agri-Business Centers (ACABC) 4112.7 DRI 41

13. Government Sponsored Schemes - Government of Andhra Pradesh

4



13.1 Andhra Pradesh Micro Irrigation Project (APMIP) 4213.2 Animal Husbandry 4213.3 Fisheries 4213.4 Horticulture 4313.5 Sericulture 4313.6 A.P. Backward Classes Co-op. Finance Corporation- Performance 4413.7 A. P. State Kapu Welfare & Development Corporation Ltd 4413.8 A.P. State Brahmin Welfare Corporation Ltd. 4513.9 Federations of BC. Co. op. Societies under BC Welfare Department of GOAP 45

13.10 A.P. Scheduled Castes Co. op. Finance Corporation 4613.11 A.P. State Christian (Minorities) Finance Corporation 4713.12 A.P. Scheduled Tribes Co. op. Finance Corporation Ltd. (TRICOR) 4713.13 A.P. State Minorities Finance Corporation 4713.14 Welfare of Differently Abled and Senior Citizens 4813.15 Andhra Pradesh Society for Training and Employment Promotion (APSTEP) 4813.16 Release loan & subsidy Component as per the unit cost 4813.17 Overdue position under Government sponsored schemes as on 30.06.2016 49

14. Position of MFI finance extended as on 30.06.2016


14.1 Position of MFI finance extended as on 30.06.2016 50

15. Financial Inclusion


15.1 Roadmap for opening brick and mortar branches in villages with population more than 5000 without a bank branch of a scheduled commercial bank

50

15.1.1 Progress as on 30.06.2016 5015.1.2 Implementation of PCA (Prompt Corrective Action) plan in Indian Overseas

Bank (IOB) – Reallocation of villages to other banks in the state50

15.1.3 Reallocation of villages of APGVB in East & West Godavari Districts 5115.2 Availability of ATMs in the State of Andhra Pradesh 5115.3 National Mission on Financial Inclusion Plan – Pradhan Mantri Jan Dhan

Yojana(PMJDY)51

15.3.1 Progress on Number of Accounts opened under PMJDY 5115.3.2 Opening of Bank Branches in Left Wing Extremism (LWE) Districts 51

5


15.3.3 Deployment of Bank Mithras 5215.3.4 Solar Powered V-SAT connectivity to Kiosk / Fixed CSPs in the Sub-Service Areas

– Support under FIF: as on 30.06.201652

15.3.5. Progress report - Number of Enrollments under Social Security Schemes 5315.3.6 Voluntary seeding of Pension accounts with Aadhaar numbers to facilitate

submission of Digital Life Certificates (DLCs) by pensions through ‘Jeevan Pramaan’

53

15.3.7 Common Strategy to be adopted by Banks to achieve the targets under PMJDY in Mission Mode

54

15.3.8 Advertisement on seeding of Aadhaar in Local News papers 5515.4 Credit Plus activities 56

15.4.1 Financial Literacy Centers (FLCs) 5615.4.2 Opening of Financial Literacy Centres (FLCs) at JMLBC Centres 5615.4.3 Rural Self Employment Training Institutes in Andhra Pradesh 5715.4.4 AP SLBC Call Centre 58

16. Overdue/NPA position


16.1 Overdue / NPA position as on 30.06.2016 under various sectors (Priority) 59

16.2 Overdue / NPA position as on 30.06.2016 under various sectors (Non-Priority) 62

17. Regional Rural Banks


17.1 Performance of Regional Rural Banks on Important Parameters 65

18. Other Items


18.1 Progress of filing of Equitable Mortgage Records on CERSAI 67

19. Circulars Issued by RBI

S. No Particulars Page

6


No.19.1 Reserve Bank of India circulars 68

20. Annexure


1. Bank wise Number of Branches as on 30.06.2016 692. Bank wise Deposits and Advances & CD Ratio as on 30.06.2016 713. District-wise Number of branches as on 30.06.2016 734. District-wise Deposits and Advances & CD Ratio as on 30.06.2016 745. Bank wise Priority Sector Advances as on 30.06.2016 756. District-wise Priority Sector Advances as on 30.06.2016 77

7.Bank wise total agricultural advances outstanding as on 30.06.2016 (Priority and Non Priority)

78

8.Bank wise agricultural advances outstanding to small and marginal farmers as on 30.06.2016

79

9.Bank-wise total MSME advances outstanding as on 30.06.2016 (Priority and Non Priority)

80

10. Bank wise Housing Loans as on 30.06.2016 (Priority and Non Priority) 8211. Bank wise Education Loans as on 30.06.2016 (Priority and Non Priority) 8312. Bank wise Social Infrastructure and Renewable Energy loans as on 30.06.2016 8413. Bank wise data on Export Credit as on 30.06.2016 85

14.Bank wise Advances to Minority Communities, Weaker Sections, SC /ST, Women as on 30.06.2016

86

15. Bank wise Advances under DRI as on 30.06.2016 8816. Bank wise Outstanding SHG Advances as on 30.06.2016 9017. Bank wise position on overdue/NPAs (sector wise) as on 30.06.2016 91

18.Annual Credit Plan 2016-17 Bank wise achievements in all sectors as on 30.06.2016 (Both Priority and Non Priority)

109

19.Annual Credit Plan 2016-17 district wise achievements in all sectors as on 30.06.2016 (Both Priority and Non Priority)

112

20. Bank wise Disbursements under Housing Loans as on 30.06.2016 11521. Bank wise Disbursements under Education Loans as on 30.06.2016 116

22. Progress Report on weekly visits by rural/semi urban branches and customers meet by urban and metro branches

117

23. Progress report on sanction of 5 Term loans per month per branch 12324. Bank wise JLGs financed during 2016-17 (as on June 2016) 12425. Bank wise performance under pledge financing against NWRs 125

26.District wise statement on loan charge details on loan charge creation module in AP web land portal.

126

7


27. Bank wise performance under Stand Up India as on 31.07.2016 12728. District wise progress under CGTMSE during 2016-17 12829. Bank wise performance on PMMY as on 24.08.2016 12930. List of identified clusters and format for submitting a quarterly progress report 13131. District wise progress under APMIP during 2016-17 13532. District wise progress under Fisheries during 2016-17 13633. District wise progress under Sericulture during 2016-17 13734. Revised targets of A.P. Backward Classes Cooperative Finance Corporation Ltd. 13835. Revised targets of A.P. State Kapu Welfare & Development Corporation Ltd. 140

36.District wise progress under 10 BC Cooperative Societies during 2015-16 as on 31.07.2016

142

37. Revised targets of A.P. BC Federations 152

38.District wise & Bank wise progress under AP Scheduled Caste Co-operative Finance Corporation Ltd. during 2015-16

164

39. District wise & Bank wise progress under TRICOR during 2016-17 166

40.Bank wise & District wise progress under AP State Minorities Finance Corporation Ltd. during 2016-17

168

41.Detailed list of SSAs submitted by the banks through self certified letter to SLBC for Solar Powered V-SAT connectivity under NABARD FIF scheme

170

42. Details of FLCs as on 30.06.2016 17943. Comprehensive Performance report of RSETIs for the financial year 2016-17 18544. Statement of claims submitted by RSETIs 186

45.List of 28 activities for which approved course modules have been developed by National Academy of RUDSETI (NAR)

187

46. Bank wise progress in filing of Equitable Mortgage records on CERSAI 18847. Proceedings of the meetings conducted after 194th SLBC meeting 189

8


1.1 Adoption of the minutes of 194 th SLBC meeting of AP held on 09.06.2016 & other meetings of SLBC held after 09.06.2016

The minutes of 194th SLBC meeting held on June 09, 2016 were circulated to the members of SLBC, LDMs and Government Departments concerned.

The minutes of Sub-committee meetings and Steering Committee meetings held after 09.06.2016 and up to 05.08.2016 were circulated to the members of SLBC, LDMs and Government Departments concerned. Details of the meetings held are furnished hereunder.

Sl. No.

Name of the Meeting Date of Meeting held

1 194th Meeting of SLBC of AP 09.06.20162 Sub-committee of SLBC on engaging SHG members as Business

Correspondents (BCs)20.06.2016

3 SLIIC Sub-committee Meeting 05.08.2016

These minutes may be taken as approved by the house as no amendments/changes were received by SLBC of Andhra Pradesh.

AGENDA- 2

9

AGENDA- 1


Major Action Points of earlier SLBC / Steering Committee Meetings – ATR

S.No Action Point Action by Action initiated/Status2.1 Wednesday visits by Rural & Semi-

urban branches & customer meets by Urban & Metro branches along with Janmabhoomi Committee of Government of AP need to be improved & monitored.

All Banks & GoAP Progress Report placed as Annexure

No. 22

2.2 Sanction & disbursement of five Term loan accounts (excluding Gold loans and Crop loans)under Priority sector per branch per month to improve term lending

All Banks Progress Report placed as Annexure No. 23

2.3 Simplification of procedure of creation of Charge / Mortgage of land with no registration charges - IBA informed that based on Talwar Committee Recommendations, State Government of Karnataka has passed necessary enactments (Agricultural Credit Operations & Miscellaneous Provisions Act) under which there is provision for creation of charge on landed properties as security for agricultural loans by way of submission of simple declaration by the farmers. Under these provisions, no registration charges are to be paid for creation of charge which otherwise is required to be paid for normal mortgage.

Finance (IF) Dept., GoAP

During 194th SLBC meeting held on 09.06.2016, Hon’ble Chief Minister of A.P advised the Finance Department to examine the issue and decision would be taken on receipt of the information from Finance Department.

Report awaited from Department of Finance (IF), GoAP

2.4 Expedite the process of allotment of sites for construction of own buildings of RSETIs at Guntur, Chittoor and Tirupathi and speed up the process of alienation of land and necessary approvals for RSETIs of Machilipatnam, Srikakulam.

GoAP 1. Chittoor & Guntur – CCLA requested Collectors to identify the land and send alienation proposals.

2. Tirupathi & Srikakulam - Land allotted but alienation yet to be done.

3. Machilipatnam – CCLA requested SLBC & RSETI to inform if the land was given on market value who

10


would pay the amount, would it be, DRDA or Bank, along with a copy of the GoI guidelines. SLBC has submitted the reply on 29.08.2016.

2.5 Engaging SHG members as Banking Correspondents in all villages in Krishna District on pilot basis

SERP / DRDA & Banks

a. As agreed in the meeting held on 20.06.2016, 304 locations were identified for deployment of SHG members as BC in Krishna District, which were allocated among banks as per the service area operations.

b. So far 64 BCs are deployed in the above villages.

c. DRDA/SERP has to identify 46 SHG members as BCs out of 304.

d. DRDA/SERP has to provide PoS/Micro ATMs for which it was informed that budget allocation has been sought from Government.

2.6 Operational guidelines on ‘Certificate of Cultivators’

Issue Resolved

Office of the Commissioner & Director of Agriculture, GoAP vide Memo No. Credit/02/2016 dated 01.07.2016 has communicated the guidelines and Banks are requested to implement the scheme.

2.7 Clarification on continuation of WCC and availability of Margin Money

Issue Resolved

Department of Handlooms & Textiles, GoAP vide letter Rc.No.4542/2014-C dated 27.07.2016 informed that the concessional credit component for Handloom sector will now be available through MUDRA Yojana for the individual weavers and weaver entrepreneur. Further applications pending under Weavers Credit Cards scheme would be sanctioned up to 31.08.2016 only.

AGENDA- 3

11


3.1. Conduct of meetings under Lead Bank Scheme: SLBC is reviewing the conduct of DCC/DLRC meetings as per the schedule. District wise calendar of quarterly meetings and conduct of the meetings in Andhra Pradesh during June, 2016 quarter is furnished hereunder.

District Schedule of the meetings Date of the meeting conducted

Peoples Representatives attended DLRC

DCC DLRC DCC DLRC

Srikakulam 07.06.2016 24.05.2016 01.07.2016 01.07.2016 Sri K. Atchannaidu, Hon’ble Minister,Sri K.Ramamohana Naidu, Hon’ble MP

Vizianagaram 14.06.2016 17.06.2016 29.04.2016 15.07.2016Smt. M.Geetha, Hon’ble MLA,Smt. Sobha Swathirani, Chairperson, Zilla Parishad

Visakhapatnam 24.05.2016 15.06.2016 27.06.2016 27.06.2016 No public representative has attended

East Godavari 14.06.2016 23.06.2016 07.06.2016 30.06.2016Sri V.Jogeswara Rao, Hon’ble MLA,Sri P.Venkatesh, Hon’ble MLA,Sri SVSN Varma, Hon’ble MLA

West Godavari 09.05.2016 02.05.2016 16.05.2016 06.06.2016 Sri Ch. Ayyannapatrudu, Hon’ble Minister,Smt P.Sujatha, Hon’ble Minister

Krishna 21.05.2016 18.06.2016 07.05.2016 Not conducted

-----

Guntur 16.06.2016 21.06.2016 18.06.2016 18.06.2016 Sri Ravela Kishore Babu, Hon’ble Minister

Prakasam 18.05.2016 25.05.2016 17.05.2016 Not conducted

-----

SPS Nellore 11.05.2016 20.06.2016 10.06.2016 10.06.2016 No public representative has attended

Chittoor 24.06.2016 24.06.2016 30.06.2016 30.06.2016Smt D.A. Satya Prabha, Hon’ble MLA,Sri K.Narayana Swamy, Hon’ble MLA,Smt S.Geeravani, Chairperson, Zilla Parishad

YSR Kadapa 24.06.2016 24.06.2016 14.06.2016 14.06.2016 No public representative has attended

Kurnool 27.05.2016 27.05.2016 18.06.2016 18.06.2016

Smt Butta Renuka, Hon’ble MP,Sri B. Rajendranath Reddy, Hon’ble MLA,Sri S.V. Mohan Reddy, Hon’ble MLA,Smt Gouru Charitha, Hon’ble MLA,Sri M.Rajasekhar, Chairman, Zilla Parishad

Ananthapuram 28.06.2016 28.06.2016 08.07.2016 08.07.2016 Sri V.Hanumantharaya Chowdary, Hon’ble MLA,Smt Samanthakamani, Hon’ble MLC

All LDMs are advised to:1) Conduct DCC/DLRC meetings for all four Quarters of the financial year invariably as per the

calender.2) Ensure attendance of controlling authorities of the district along with district co-ordinators to

the meeting3) Ensure organizing DLRC meeting as per the schedule and attendance of Peoples’

Representatives as envisaged in master circular of RBI on Lead Bank scheme.

RBI vide Lr.No.FIDD(H)/LBS/email/02.02.020/2015-16 dated May 31, 2016 informed that despite continuous followup, DLRC meetings were not conducted as per schedule on quarterly basis. District Collectors and LDMs are to make special efforts to ensure the timely conduct of the meetings.

AGENDA- 4

12


Banking Statistics4.1BANKING AT A GLANCE IN ANDHRA PRADESH as on 30.06.2016

(Amount in Crores)Total Number of bank branches

Rural - 2682 Semi Urban - 2032Urban - 1880 Metro - 335

6929

Total Deposits in the State 227195Total Advances in the State 246407Credit Deposit Ratio (RBI norm -60%) 108.46%Total Priority Sector Advances 169094% of Priority Sector Advances to ANBC (RBI Norm 40%)of which 69.78%

Agricultural Advances % of Agrl. Adv. to ANBC (RBI norm - 18%)

100709(41.56%)

Of whichSmall & Marginal Farmers(RBI norm – 8% of ANBC)

52885(21.83%)

Micro & Small Enterprises (% to ANBC)

35689(14.73%)

Out of which Micro Enterprises(RBI norm – 7.5% of ANBC)

18926(7.81%)

Medium Enterprises 5016Total MSME(% to ANBC)

40705(16.80%)

Export Credit 956Education 3669Housing 19114Social Infrastructure 113Renewable Energy 38Others 3790Out of Total Priority Sector Advances, finance to:

SHGsAdvances to Weaker Sections

(RBI norm - 10% of ANBC)Advances to Women

(RBI norm -5% on NBC)Advances to SC/ST

Advances to Minorities (Norm 15% on priority sector)

1518956180

(23.19%)38219

(15.77%) 10309

13356(7.90%)

Note: % is calculated on total advances of 31st March of previous year instead of ANBC since ANBC is not available for the State.

13


4.2 BANKING KEY INDICATORS OF ANDHRA PRADESH:(Amount in crores)

S. No PARTICULARS As on

31.03.2014As on

31.03.2015As on

31.03.2016As on

30.06.20161. Number of Branches:

Rural 2,301 2,478 2,670 2,682Semi Urban 1,785 1,999 2,024 2,032Urban 1,655 1,766 1,863 1,880Metro 239 297 332 335Total 5,980 6,540 6,889 6,929

2. Deposits 1,65,242 1,93,753 2,18,022 2,27,195

3. Incremental Deposits (% of increase)

19,762(13.58%)

28,511(17.25%)

24,269(12.53%)

9,173(4.21%)

4. Advances 2,01,201 2,15,797 2,42,311 2,46,407

5. Incremental advances(% of increase)

31,491(18.56%)

14,596(7.25%)

26,514(12.29%)

4,096(1.69%)

6. C.D.Ratio(RBI norm - 60%) 121.76% 111.38% 111.14% 108.46%

7 Incremental CD Ratio 159.35% 51.19% 109.25% 44.65%

4.3 Comparative Statement of Banking Key Indicators: Number of Branches

ParticularsAs on

30.06.2015As on

31.03.2016As on

30.06.2016

Increase in No. of Branches over

June, 2015

Increase in No. of Branches over March, 2016

Rural 2,566 2,670 2,682 116 12Semi Urban 1,915 2,024 2,032 117 8Urban 1,798 1,863 1,880 82 17Metro 301 332 335 34 3Total 6,580 6,889 6,929 349 40

(Amount in crores)

ParticularsAs on

30.06.2015As on

31.03.2016As on

30.06.2016% Increase over

June, 2015% Increase over

March, 2016Deposits 1,97,401 2,18,022 2,27,195 15.09 4.21Advances 2,15,809 2,42,311 2,46,407 14.18 1.69

14


Comparative statement of Banking Key Indicators as on 30.06.2015 vis-à-vis 30.06.2016 between Public Sector vis-à-vis Private Sector, RRBs & Cooperative Banks: (Amount in crores)

CategoryPublic Sector Banks Pvt. Sector Banks RRBs Co-op. Banks Others (APSFC)30.06.1

5 30.06.16 30.06.15 30.06.16 30.06.15 30.06.16 30.06.15 30.06.16 30.06.15 30.06.16

Rural Br. 1484 1557 130 144 766 794 186 187 0 0

Semi Urban Br. 1386 1444 261 294 160 185 108 109 0 0

Urban Br. 1245 1289 319 340 128 141 93 96 13 14

Metro Br. 248 264 53 66 0 5 0 0 0 0

Total Branches 4363 4554 763 844 1054 1125 387 392 13 14

Deposits 151912 172889 23374 27252 16372 20375 5738 6674 4 5

Advances 157623 177806 32785 39182 15297 18003 8621 9711 1483 1705

4.4. Statement of Priority Sector Advances (Outstanding) (Amount in crores)

S. No.

ParticularsAs on

31.03.14As on

31.03.15As on

31.03.16As on

30.06.16

1 Short Term Production loans 59,105 65,353 67,174 67,4032 Total Agrl. Term Loans 28,507 30,244 32,749 33,3063 Total Agrl. Advances 87,612 95,597 99,923 1,00,709

% of Agrl. Advances to ANBC (RBI norm- 18%) 51.62% 47.51% 46.30% 41.56%

4Micro & Small Enterprises (% to ANBC )

26,302(15.50%)

32,276(16.04%)

36,218(16.78%)

35,689(14.73%)

Medium Enterprises (Classified as Priority Sector w.e.f. 23.04.2015) NA NA 4,765 5,016MSME Total(% to ANBC)

26,302(15.50%)

32,276(16.04%)

40,983(18.99%)

40,705(16.80%)

5Export Credit(Classified as Priority Sector w.e.f. 23.04.2015) NA NA 961 956

6Others’ under Priority Sector Advances (% to ANBC)

23,336(13.75%)

23,609(11.73%)

27,255(12.63%)

26,724(11.03%)

Total Priority Sector Advances 1,37,250 1,51,482 1,69,122 1,69,094% of Priority Sector Advances to ANBC (RBI norm -40%) 80.87% 75.29% 78.37% 69.78%NA: Not Applicable

15


Banking Key Indicators (Figures in Crores)

Deposits Advances Priority Sector Advances

Agriculture0

50000

100000

150000

200000

250000

1937

53

2157

97

1514

82

9559

7

2180

22

2423

11

1691

22

9992

3

2271

95

2464

07

1690

94

1007

09

Agriculture60%

MSME24%

Export Credit

1%

Others16%

Priority Sector Advances as on 30.06.2016

16


AGENDA- 5

Annual Credit Plan 2016 – 17

5.1. Achievement of Annual Credit Plan as on 30.06.2016 (Rs. in crores)

Sl. No Item Target2016-17

Achievement (Disbursements

during 01.04.16 to 30.06.16)

% of Achievement

1 Short Term Crop Production LoansKhariffRabiTotal

36,58023,42060,000

19,270--

19,270

52.68--

32.12

2 Agrl.Term LoansKhariffRabiTotal

9,9859,984

19,969

2,891--

2,891

28.95--

14.48

3

Total Farm CreditKhariffRabiTotal

46,56533,40479,969

22,161--

22,161

47.59--

27.71

4

Agriculture Infrastructure & Ancillary ActivitiesKhariffRabiTotal

1,5181,5163,034

1,829--

1,829

120.49--

60.28

5KhariffRabiTotal Agriculture

48,08334,92083,003

23,990--

23,990

49.89--

28.90

6 Micro, Small & Medium Enterprises 25,000 7,487 29.95

7 Export Credit 180 11 6.118 Education 2,155 197 9.14

9Housing other than PMAYHousing under PMAYTotal Housing

4,6607,340

12,000

995--

995

21.35--

8.29

10Others under Priority Sector including Social Infrastructure & Renewable Energy

3,200 508 15.88

11 Total Priority Sector 1,25,538 33,188 26.44

12 Non Priority Sector 40,000 13,243 33.1113 Total Credit Plan 1,65,538 46,431 28.05

17


3658

0

9985

4656

5

1518

4808

3

1927

0

2891

2216

1

1829

2399

0

ACP 2016-17 - Kharif Achievement under Agri-culture

18


5.2. Share of Banks in Achievement of ACP 2016-17:

5.2.1 Short Term Crop Production:

(Amount in crores)

Bank Achievement % of Share

Andhra Bank 2756 14.30

State Bank of India 2585 13.42

Regional Rural Banks 3637 18.87

Cooperative Banks 3315 17.20

Pvt. Sector Banks 1366 7.09

Other Banks 5611 29.12

Total 19270 100

Andhra Bank14%

State Bank of India13%

RRBs19%

Cooperative Banks17%

Pvt. Sector Banks7%

Other Banks29%

Share of Banks in ACP 2016-17 Achievement under Short Term Crop Production

19


5.2.2 Agricultural Term Loans including Allied Activities, Agriculture Infrastructure & Ancillary activities:

(Amount in crores)



Syndicate Bank 441 9.34





Total 4720 100

Andhra Bank31%

Syndicate Bank9%

Regional Rural Bank14%Cooperative Banks

8%

Pvt. Sector Banks21%

Other Banks17%

Share of Banks in ACP 2016-17 Achievement under Agril. Term Loans

20


5.2.3 Total Agriculture:

(Amount in crores)








Total 23990 100

Andhra Bank18%


Regional Rural Banks18%



Other Banks28%

Share of Banks in ACP 2016-17 Achievement under Total Agriculture

21


5.2.4 MSME: (Amount in crores)




Indian Overseas Bank 690 9.22




Total 7487 100

Andhra Bank35%

Syndicate Bank10%Indian Overseas Bank

9%



Other Banks27%

Share of Banks in ACP 2016-17 Achievement under MSME

22


5.2.5 Priority Sector: (Amount in crores)









Total 33188 100

23


Andhra Bank21%


Syndicate Bank6%




Other Banks26%

Share of Banks in ACP 2016-17 Achievement under Priority Sector

5.3. Annual Credit Plan Achievement – Last Three years (Amount in crores)

Sl.

NoItem

2013-14 2014-15 2015-16 2016-17 upto 30.06.2016

TargetAchvm

tTarget

Achvm

tTarget Achvmt Target Achvmt

1

Short Term

Production

Loans

35549 37058 41978 29658 48067 57085 60000 19270

2

Total Agrl.

Term Loans

incl. allied

activities

11468 12716 14041 10280 17205 18363 23003 4720

24


3Total

Agriculture47017 49774 56019 39938 65272 75448 83003 23990

4

Non Farm

Sector / Micro

& Small

Enterprises

7000 9427 10850 14134 16960 22262 25000 7487

5

Others’ under

Priority Sector

including

Export Credit

12939 5527 11025 5582 14688 6785 17535 1711

Total Priority sector 66956 64728 77894 59654 96920 104495 125538 33188

5.4. Comparative statement of Credit Disbursements (Y-o-Y):

Sl. No.

ItemDisbursements

from 01.04.2015 to 30.06.2015

Disbursements from 01.04.2016 to

30.06.2016% Increase

1 Short term Crop Production Loans 16,691 19,270 15.45

2 Total Agriculture Term Loans including Allied activities 3,477 4,720 35.75

3 Total Agriculture 20,168 23,990 18.954 Non Farm Sector / MSME 3,963 7,487 88.925 Other Priority Sector including

Export Credit 2,187 1,711 --6 Total Priority Sector 26,318 33,188 26.107 Non Priority Sector 11,947 13,243 10.858 Total Credit Plan 38,265 46,431 21.34

25


Agriculture Total Priority Non Priority Total Credit Plan

2016

8 2631

8

1194

7

3826

5

2399

0

3318

8

1324

3

4643

1

Credit Disbursements 1st Quarter of 2016-17 vis-a-vis 1st Quarter of 2015-16

AGENDA- 6

Agriculture Sector

6.1. Progress in lending to Agriculture Sector (Rs. in crores)

Sl. No Item Target2016-17

Achievement (Disbursements

during 01.04.16 to 30.06.16)

% of Achievement

1 Short Term Crop Production LoansKhariffRabiTotal

36,58023,42060,000

19,270--

19,270

52.68--

32.12

2 Agrl.Term LoansKhariffRabiTotal

9,9859,984

19,969

2,891--

2,891

28.95--

14.48

26


3

Total Farm CreditKhariffRabiTotal

46,56533,40479,969

22,161--

22,161

47.59--

27.71

4

Agriculture Infrastructure & Ancillary ActivitiesKhariffRabiTotal

1,5181,5163,034

1,829--

1,829

120.49--

60.28

5KhariffRabiTotal Agriculture

48,08334,92083,003

23,990--

23,990

49.89--

28.90

6.2. Progress in lending to LEC holders Department of Agriculture, GoAP proposed target of financing 10.55 lakhs (5,87,250 renewals and 4,67,489 fresh) LEC holders during the Financial Year 2016-17.

As per the information available with SLBC, the finance extended to LEC holders during 2016-17 up to 09.08.2016 is as follows:

(Rs. in crores)

Sl. No

DistrictNo. of LECs issued

2016-17No. of Licensed Cultivators

Sanctioned Crop Loans

Renewal of old LECs Fresh Total Number Amount

1 Srikakulam 9683 7656 17339 24 0.052 Vizianagaram 11104 2869 13973 408 0.613 Visakhapatnam 8693 1550 10243 245 0.364 East Godavari 103288 29481 132769 14944 32.175 West Godavari 222716 75420 298136 17841 41.486 Krishna 2665 469 3134 0 0.007 Guntur 5663 15853 21516 318 1.838 Prakasam 2311 0 2311 0 0.009 Nellore 6699 2115 8814 0 0.0010 Kurnool 7692 11806 19498 5643 29.36

27


11 Anantapur 7657 21726 29383 11 0.0712 Kadapa 3907 4354 8261 79 0.2813 Chittoor 10474 0 10474 2216 19.17

Total 0 402552 173299 575851 41729 (Source: Agriculture Department, GoAP & LDMs)

6.3. Performance of Joint Farming Groups of ‘Bhoomi Heen Kisan’ during the year 2016-17

S. No.

Name of the BankTarget @ 18 JLGs per

rural branches

Achievement as on June, 2016Number Amount (Rs. In Lakhs)

1 Commercial Banks 30114 797 806.612 RRBs 14022 1138 1835.853 Cooperative Banks 3348 174 483.35

Grand Total 47484 2109 3125.81(Source: NABARD)

Bank wise JLGs financed during 2016-17 (as on June 2016) is placed as Annexure No.24

Initiatives taken by the NABARD:i. NABARD APRO, organized a State Level workshop for all the bankers to take a review of the

progress in financing JLGs in the State.ii. A series of strategies for increasing the formation and financing of JLGs in coordination with SLBC

and Controlling Offices of the banks were decided in the meeting.iii. The DDMs of the NABARD will also be organizing 2 workshops each in all the 13 districts of the

State for improving the formation and financing of JLGs/SHGs in coordination with LDMS and other banks.

iv. DO letters have also been issued to all the Controlling Offices of the banks by CGM, NABARD requesting them to improve financing under JLGs.

v. The progress in financing JLGs is being closely monitored by the Andhra Pradesh Regional Office.

6.4. Pledge financing against Negotiable Warehouse Receipts (NWRs):

Pledge financing against NWRs in the state of Andhra Pradesh for the quarter ended June, 2016

Sr. No.

Name of the BankDisbursements during the quarter Outstanding as at end of quarter

No. of Accounts

Amount(thousands) No. of Accounts Amount

(thousands)1 Public Sector Banks 588 291608 3400 13903452 Private Sector Banks 1566 1298025 5889 67213783 Cooperative Banks 0 0 0 04 RRBs 65 31290 172 80950

Grand Total 2219 1620923 9461 8192673

Bank wise performance under pledge financing against NWRs for the quarter ended June, 2016 is placed as Annexure No.25

28


6.5. Vaddi Leni Runalu and Pavala Vaddi scheme on crop loans: Reimbursement of pending claims to banks

Member banks have informed that they are yet to receive the reimbursement of pending claims under Vaddi Leni Runalu / Pavala Vaddi for the financial years 2013-14 & 2014-15.

Further, member banks have informed that as per the VLR scheme guidelines, banks have allowing the benefit of interest to farmers who repay their crop loans in time, at the time of repayment of loan itself and subsequently submitting claims to Department of Agriculture. Banks have parted their own funds for crop loans sanctioned during 2013-14. But as some of these accounts were covered under Agriculture Debt Redemption scheme of Government of Andhra Pradesh, Agriculture Department is deducting the interest upto 31.12.2013 from total claim amount under VLR already passed on to the farmers and allowing interest beyond that period only. If the VLR claims for these accounts are not settled fully, the claim amount will be pending in books of accounts of the banks as banks have already parted with the amounts.

Department of Agriculture, Government of Andhra Pradesh is requested to expedite the reimbursement of claims to the banks in full.

Government is requested to keep the funds with major / nodal banks in the state as upfront under the scheme.

6.6 Pradhan Mantri Fasal Bima Yojana (PMFBY) / Restructured Weather Based Crop Insurance Scheme (WBCIS):

SLBC has communicated the GOs issued by Department of Agriculture, GoAP & Operational Guidelines issued by insurance companies regarding implementation of Pradhan Mantri Fasal Bhima Yojana / Restructured Weather Based Crop Insurance Scheme to controlling authorities of all banks.Department of Agriculture, Cooperation & Farmers Welfare, Ministry of Agriculture & farmers Welfare, GoI is reviewing the progress of implementation of the PMFBY / restructured WBCIS / UPIS on a weekly basis through a video conferencing every Thursday with the concerned Principal Secretaries / Secretaries of all States and Banks.

Controlling authorities of all banks are requested to communicate these guidelines to branches with an instruction to implement the scheme as per the scheme guidelines.

6.7 Relief Measures by Banks in Areas Affected by Natural Calamities:

RBI vide circular RBI/2015-16/416, FIDD.FSD.BC.No.25/05.10.001/2015-16 dated June 2, 2016 informed that the Hon’ble Supreme Court has directed the concerned authorities in the Union of India, State Government, Reserve Bank of India and other banks to religiously implement their

29


policies since they are ultimately intended for the benefit of the people of our country and not for the benefit of any stranger.

In order to enable banks to take uniform and concerted action expeditiously, Reserve Bank of India vide circular RBI/FIDD/2016-17/27, Master Direction FIDD No.FSD.BC.2/05.10.001/2016-17 dated July 1, 2016 has issued Master Direction on Relief measures by banks in areas affected by Natural calamities.

All Controlling authorities of all banks are requested to implement the master direction and submit the information to SLBC on quarterly basis for onward submission to RBI.

6.8 Union Budget - 2016-17 – Interest Subvention Scheme - RBI circular No.RBI/2016-17/32 FIDD.Co.FSD.BC.No.9/05.02.001/2016-17, dated August 4, 2016.

Government of India has approved the implementation of the interest subvention scheme for the year 2016-17 for short term crop loans upto Rs.3 lakh.

Banks may give adequate publicity to the above scheme so that the farmers can avail of the benefits.

6.9. Green Kisan Credit Card – Micro Finance initiative for Tribal: To promote microfinance in Dang and help the poor tribal community a novel initiative of the Forest department in Gujarat was implemented as Green Kisan Credit Card (GKCC). This scheme is a modified version of the Kisan Credit Card for agriculture extended to trees crop on farmlands.

The Forest Department estimates the market value of existing trees and gives a certificate to that effect. The banks accept the certificate given by the Forest Department as mortgage and provides loan at cheap rates @ DRI for a period up to five years. The Forest Department gives permission to cut the Teak trees being reserved trees as per set guidelines. The amount realized after the auction of the timber is first paid back to the bank and the remaining amount goes to the farmer. Thus the scheme has emerged as a boon to farmers, predominantly tribals, enabling them to get instant liquidity and micro finance credit to meet their urgent needs.

GKCC provided an alternate option of acquiring the necessary money without going to the moneylenders for loans. The scheme has resulted in empowerment and financial inclusion of tribal community.

SLBC vide letter No.666/30/196/212 dated 02.07.2016 requested Government, CCLA, Forest Department & ITDA to examine the feasibility of implementation of the scheme in the state. Reply awaited.

6.10. Implementation of Annuity based financing to Micro Irrigation Companies under Individual and community based approach:

30


All banks have agreed to extend finance to Micro Irrigation Companies under individual & community based approach. GoAP is requested to issue G.O containing operational guidelines.

6.11. Banks are requested to mandatorily enter the loan charge details on loan charge creation module in AP web land portal:

Banks have made Charge Creation for 27,50,267 loan accounts in the AP web land portal as on 10.08.2016 and charges were approved for 24,03,479 loan accounts.

District wise details of Charge Creation are placed as Annexure No.26

RBI informed that in the meeting of Empowered Committee on RRBs held on 17.08.2016 at Reserve Bank of India, Hyderabad, some of the Regional Rural Banks expressed their inability to create charge on land records due to non availability of land records on the web portal provided by State government for creating charge on such records.

Details of charges on lands and pending mutations to Sub-Registrars and pending mutations to Banks: CCLA vide letter No.CMRO-3/162/1/2013, dated 14.07.2016 informed that during 194 th SLBC meeting held on 09.06.2016 it is decided to provide an option in card software to the Sub-Registrar to verify the charges on a land during registration. Similarly it is also requested to share the details of pending mutations to the Sub-Registrars and also to the Banks in respective modules.

CCLA requested NIC to take necessary action in this regard and instruct the concerned to provide the above options.

AGENDA- 7

Micro, Small & Medium Enterprises (MSME) Sector

7.1. Position of lending under MSME sector (Amt. In Crores)

Particulars

Outstanding as on 31.03.2015




Y – o – Y Growth in Amount

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

603782 14999 871952 18701 636826 15052 902431 18926 25.74

Small Enterprises

98698 17277 121982 17517 142435 17253 126922 16763 --

Total MSE 702480 32276 993934 36218 779261 32305 1029353 35689 10.48

%of Micro 85.95% 46.47 87.73% 51.63% 81.72% 46.59% 87.67% 53.03% --

31


enterprises to total MSE

%

Medium Enterprises

88207 4378 90181 4765 84767 2618 94671 5016 91.60

Total MSME

790687 36654 1084115 40983 864028 34923 1124024 40705 16.56

PM Task Force –Recommendations Norm %

Actual %

Banks are advised to achieve a 20 per cent year-on-year growth in credit to micro and small enterprises (June, 2015 to June, 2016)

20 10.48

10 per cent annual growth in the number of micro enterprise accounts (June, 2015 to June, 2016)

10 41.71

60 per cent of MSE advances should go to the micro enterprises.Allocation of 60% of the MSE advances to the micro enterprises is to be achieved on continuous basis.

60 53.03

Outstanding Position of Lending under MSME (Figures in crores)

Micro Small Total MSE Medium Total MSME0

5000

10000

15000

20000

25000

30000

35000

40000

45000

1505

2

1725

3

3230

5

2618

3492

3

1870

1

1751

7

3621

8

4765

4098

3

1892

6

1676

3

3568

9

5016

4070

5

7.2. Stand up India Scheme:

32


Stand-Up India scheme was launched with an objective to facilitate bank loans between 10 lakh and 1 crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one Women borrower per bank branch for setting up a new enterprise (also termed as Greenfield enterprise).

Under the scheme, which covers all branches of Scheduled Commercial Banks, loan aspirants may access in three potential ways:

Directly at bank branch; Through Stand-Up India Portal ( www.standupmitra.in ); or Through the respective Lead District Manager (LDM)

LDMs are advised to; Conduct the awareness programmes for all Branch Managers / Field Functionaries and

handholding agencies. Entertain the request of trainee borrowers for handholding mentioned in the Stand Up Mitra

portal on priority basis and necessary support is to be provided to meet their requirements. Follow up with NABARD for post sanction of handholding support to the beneficiaries of the

scheme. Request the bank concerned to pick up the pending applications on priority basis for

necessary action.All banks & LDMs should login daily into the portal www.standupmitra.in portal and to clear the pending applications on priority basis.

Performance under Stand Up India as on 31.07.2016 (Amt. In Lakhs)

S. No. Type of Bank

SC/ST WomenNo. of

AccountsSanctioned

AmountDisbursed Amount

No. of Accounts

Sanctioned Amount

Disbursed Amount

1 Public Sector Banks 33 847.25 621.05 197 5307.82 4375.81

2 Private Sector Banks 4 72.27 72.27 25 561.10 561.10

3 RRBs 0 0 0 4 193 148.114 Coop. Banks 0 0 0 0 0 0

Total 0 37 919.52 693.32 226 6061.92

Bank wise performance is placed as Annexure No.27

7.3 Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Scheme- Progress made by banks for the last three years.

S. No

Year Proposals covered during the yearNo. of A/cs. Amount (in Crs.)

01 2013-14 10245 291.9702 2014-15 9428 358.50

33

http://www.standupmitra.in/

http://www.standupmitra.in/


03 2015-16 18514 384.5504 2016-17

(upto 30.06.2016)5701 141.78

District wise progress during First Quarter of 2016-17 under CGTMSE is place as Annexure No. 28

7.4. Pradhan Mantri MUDRA Yojana (PMMY):

Progress made under Pradhan Mantri MUDRA Yojana for the financial year 2016-17 upto 24.08.2016 in the state of Andhra Pradesh.

(Rs. in crores)

Type of Bank Total Target

Shishu Kishore Tarun Total Achievement

% of Achievement

Public Sector Banks 4736.03 171.91 599.40 207.77 979.08 20.67RRBs 1670.00 47.55 125.03 5.84 178.42 10.68Sub Total 6406.03 219.46 724.43 213.61 1157.5 18.07

(Source: www.mudra.org.in)

Bank wise performance is placed as Annexure No.29

7.5 Coir Udyami Yojana (CUY):Coir Board vide letter I-13020/3/2016-CUY dated 13th April, 2016 has communicated the target fixed for Andhra Pradesh is as given below:

Number of Units Financial Target(Rs. in Lakhs)

SC Target(Unit)

ST Target(Unit)

70 200 8 5

Coir Board has informed that 108 applications are pending with the banks in Andhra Pradesh for considering loan sanction by the banks and release of first installment of the loan to the beneficiary.

Controlling authorities of all banks are requested to give necessary directions to concerned branches to sanction loans for all the eligible borrowers under Coir Udyami Yojana for the year 2016-17.

7.6 Study to find out unidentified / unrecognized clusters of MSMEs in India in order to facilitate availability of banking outlets and credit flow in such clusters: Reserve Bank of India vide letter FIDD (H)/MSME/No.140/06.02.005/2016-17 dated 22.08.2016 informed that RBI, Hyderabad had conducted a study to find out unidentified / unrecognized MSME clusters in FY 2016. The outcome of the study was discussed during the combined meeting of Empowered Committee (EC) and State Level Inter Institutional Committee (SLIIC) held on 26.10.2015.

34


RBI requested SLBC to flag such clusters / agglomerations at the State Level Bankers Committee to consider extending banking facilities to such clusters / agglomerations either through Brick and Mortar branch or through Business Correspondent, wherever feasible.Banks are requested to submit a quarterly progress report to SLBC starting from the quarter ending September 30, 2016 by 10th of the succeeding month.

List of identified clusters and format for submitting a quarterly progress report is enclosed as Annexure No.30

AGENDA- 8

Housing Loans8.1. Position of Housing Loans as on 30.06.2016

(Rs in Crores)

YearTotal Outstanding Disbursements

No. of a/cs Amount No. of a/cs Amount2013-14 336689 15621 Not Available Not Available2014-15 342135 17424 44873 29572015-16 390605 18820 53878 3060

2016-17 (up to 30.06.2016) 385445 19114 21101 995

8.2 Housing for All (Urban) under Pradhan Mantri Awas Yojana (PMAY):

Credit – Linked Subsidy Scheme: The Mission, in order to expand institutional credit flow to the housing needs of urban poor will implement credit linked subsidy component as a demand side intervention. Credit linked subsidy will be provided on home loans taken by eligible urban poor (EWS/LIG) for acquisition, construction of house.

Beneficiaries of Economically Weaker Section (EWS) and Low Income Group (LIG) seeking housing loans from Banks, Housing Finance Companies and other such institutions would be eligible for an

35


interest subsidy at the rate of 6.5% for tenure of 15 years or during tenure of loan whichever is lower.

DoF, MoF, GoI vide Letter No.8/133/2014-IF.II dated 1st June, 2016 informed that it has been decided that a review of progress under CLSS should be included in the agenda of meetings of SLBCs.

8.3. Issues relating to RGK & VAMBAY :

8.3.1. Issue raised by Kotak Mahindra BankClaims on reimbursement of Interest Subsidy for Rajiv Gruhakalpa (RGK) Loans is recommended for the regularly paid installments only and not recommended for the installments paid with delay, even though there are no overdue in the accounts at the time of submission of claim.

Bank has requested the Department to consider the claims for the customers who have paid the total installments in one lumpsum or more to help the poor borrowers and it may also help the bankers to reduce the NPA.

8.3.2 A.P. State Housing Corporation Limited vide Lr.No.1930/2016/APSHCL dated 11.05.2016 requested the banks to furnish the district-wise, scheme-wise and project location-wise details of outstandings, overdues & NPAs. These details are required by the corporation to furnish to the district offices of APSHCL for follow up action by the concerned Project Directors (Housing) for recovery.

Banks are requested to furnish the data to the corporation.

AGENDA- 9

Education Loans

9.1. Position of Education Loans as on 30.06.2016 :(Rs in Crore)

YearTotal Outstanding Disbursements

No. of a/c s Amount No. of a/cs Amount2013-14 133820 3393 Not Available Not Available2014-15 143644 3062 20507 6002015-16 149849 3650 23893 715

2016-17 (upto 30.06.2016) 144168 3669 7137 197

AGENDA- 10

EXPORT CREDIT

36


Outstanding position of finance under Export Credit as on 30.06.2016 placed as Annexure No.13

AGENDA- 11 11.1. Credit Flow to Minority Communities, weaker sections, women and SC/STs for the last three years (outstandings):

(Rs. In Crores)Sl.

No. Year ended Minority communities

Weaker sections Women SC/ST

1 March, 2014 8,372 47,074 34,736 9,3652 March, 2015 11,069 48,495 35,994 8,7103 March, 2016 13,150 55,687 39,058 9,9894 June, 2016 13,356 56,180 38,219 10,309

Stipulation15% on priority sector advances(DFS guidelines)

10% of ANBC(RBI guidelines)

5%on NBC(RBI

guidelines)

No stipulation

% of Achievement for

June, 20167.90 23.19 15.77 -

37


Credit Flow to Minority Communities, Weaker Sections, Women, Scheduled Castes & Scheduled Tribes

(Amt. in crores)

Minority Commu-nities

Weaker Sections Women SC/ST0

10000

20000

30000

40000

50000

60000

8372

4707

4

3473

6

936511

069

4849

5

3599

4

871013

150

5568

7

3905

8

9989

Comparative statement of Credit disbursements under Welfare schemes from 01.04.2016 to 30.06.2016 with the corresponding period of 2015-16:

(Amount in crores)

Name of the Scheme

Disbursements from

01.04.2015 to 30.06.2015

Disbursements from

01.04.2016 to 30.06.2016

Variance

Minority Communities 1095 1251 (+)156Weaker Sections 4898 8509 (+)3611Women 3471 4603 (+)1132SC/ST 1114 1357 (+)243

38


AGENDA- 12Status of implementation of Government Sponsored Schemes during the FY 2016-17

Government of India

12.1 Deendayal Antyodaya Yojana - National Rural Livelihood Mission (DAY-NRLM) 12.1.1 SHG-Bank linkage Programme Disbursements vis-à-vis Targets for the last four Years

(Rs. In crores)

Year

Rural SHG Disbursements

Urban SHG Disbursements Total DisbursementsOutstanding

(Rural& Urban)TargetAmt.

No. Amt.TargetAmt.

No. Amt.TargetAmt.

No. Amt. No. Amt.

2012-13 5761 155261 4073 1195 49913 1341 6956 205174 5414 807837 11510

2013-14 7066 265118 8246 1368 49718 1527 8434 314836 9773 772413 13764

2014-15 12273 188457 6072 1516 38518 1292 13789 226975 7364 806514 14977

2015-16 9707 375361 11154 325 56896 2011 10032 432257 13165 829539 15861

As on June, 2016 11405 97796 1488 325 6152 229 11730 103948 1717 794834 15189

Comparative statement of SHG Bank Linkage Disbursements Y-o-Y

(Rs. In crores)

Year

Rural SHG

Disbursements

Urban SHG

Disbursements

Total

Disbursements

No. Amt. No. Amt. No. Amt.01.04.2015 to

30.06.2015 18462 603 2476 81 20938 684

01.04.2016 to

30.06.2016 97796 1488 6152 229 103948 1717

% increase 429% 147% 148% 183% 396% 151%

12.1.2. Overdue/NPAs under SHG Bank Linkage Programme as on 30.06.2016 (Rs. In crores)

Year

Outstanding Overdue Non Performing Assets

No. of Accounts Amount

No. of Overdue accounts

Total balance in overdue accounts

Actual overdue amount

No. of Accounts Amount

June 2015 784979 13816 144758 2233 1113 67723 928June 2016 794834 15189 147872 2277 1295 73757 784

39


The percentage of total balance in overdue accounts & NPA to outstanding is 14.99% & 5.16% respectively for the Quarter ended June, 2016. SERP and MEPMA are requested to extend necessary support to the banks to reduce the OD/NPAs in this sector.

12.2 Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY - NULM) Scheme:

Progress on SEP (Individual) and SEP (Groups) for the financial year 2016-17

(Amount in crores)

S. No ProgramTarget Achievement

Physical Financial Physical Financial 1 SEP (Individual)

Programme under NULM8200 164 0 0

2 SEP (Groups) Programme under NULM

240 24 0 0

(Source: MEPMA)

Controllers of banks are requested to sensitize the branches for achievement of targets. MEPMA is requested to sponsor sufficient no. of applications for achieving the targets.

12.3 PRIME MINISTERS EMPLOYMENT GENERATION PROGRAMME (PMEGP)

Target & Achievement under PMEGP for the year 2016-17 (as on 31.07.2016)

(Rs. in lakhs)

S. No

Agency

Target Sanctioned DisbursedNo. of Project

s

Margin Money

Emp. (Nos)

No. of Projects

Margin Money

Emp. (Nos)

No. of Projects

Margin Money

Emp. (Nos)

1 KVIC, S.O., Hyd

215 431.36 1720 141 711.45 2490 104 543.79 1907

2 KVIB 350 700.97 2800 537 1765.62 6180 189 680.67 23793 DIC 468 934.64 3744 296 1049.36 3673 253 907.97 3178

Total1033 2066.97 8264 974 3526.43

12343546

2132.43 7464

4KVIC,D.O. Vizag

135 269.61 1080 83 307.25 1075 81 301.89 956

Grand Total1168 2336.58 9344 1057 3833.68

13418627

2434.32 8420

(Source: KVIC, Hyderabad)

All banks are requested to sanction eligible cases & ground them immediately wherever sanctions were already given.

40


12.4 Handloom Weavers:

Progress on issuance of Weaver Credit Cards and Disbursement of Loan to the Handloom Weavers as on 30.06.2016 is as under:

(Rs. in Lakhs)

Name of the District

Physical Target for the Year 2016-17

Financial Target for the year 2016-17, @

Rs.2.00 lakhs per Card

Finance extended

Physical Financial

Srikakulam 800 1600 563 168.00

Vizianagaram 600 1200 0 0

Visakhapatnam 600 1200 13 4.90

East Godavari 1900 3800 73 36.50

West Godavari 1000 2000 91 45.50

Krishna 1300 2600 59 20.65

Guntur 1500 3000 561 251.58

Prakasam 1400 2800 0 0

Nellore 800 1600 0 0

Chittoor 800 1600 30 30.00

Ananthapuram 1800 3600 0 0

Kadapa 1500 3000 30 13.20

Kurnool 1000 2000 112 47.72

Total 15000 3000000 1532 618.05

(Source: Handlooms & Textiles Department)

Office of the Development Commissioner Handlooms, Ministry of Textiles, GoI letter No.6/2/99/DCH/16-17/DIIDS/NIMRC/1393-1606 dated 27.06.2016 informed that Concessional Credit Component for handloom sector will now be available only through MUDRA Yojana for individual weavers and weavers entrepreneurs. The applications pending under WCC scheme will be sanctioned up to 31.08.2016 only.

12.5 Dairy Entrepreneurship Development Scheme (DEDS)

12.5.1 Details of Subsidy sanctioned and released under DEDS in the state of Andhra Pradesh by NABARD during the year 2015-16 – Position as on 31.07.2016.

(Rs. in Lakhs)

Particulars General / ST SCNo. of Units Amount No. of Units Amount

Subsidy Sanctioned 0 0 0 0

41


Subsidy Released 0 0 808 551.32

(Source: NABARD)

12.6 AGRI-CLINICS & AGRI-BUSINESS CENTERS

Agri-Clinics & Agri-Business Centers (ACABC) – Review of progress as on 18.07.2016

S.No

Particulars Number

1 No. of projects sanctioned 312 No. of projects pending 384

(Source: www.agriclinics.net)

All Banks are requested to issue necessary instructions to their branches to expedite the clearance of pending loan applications under ACABC scheme and also releasing bank finance to the trained candidates on priority.

NABARD has requested the banks to look into the pendency of the proposals at bank / branch level and advise the branches concerned for processing loan applications as per scheme guidelines and the status may be intimated to NABARD RO with a copy to SLBC.

As regards to the proposals already sanctioned by bank branches under ACABC, were advised for submission of subsidy claims, in the prescribed format to NABARD, RO, so that the benefit of subsidy can be passed on to the agripreneur.

12.7. Credit under DRI

Year ended Outstanding Rs. In CroresMarch, 2014 38.21March, 2015 35.97March, 2016 36.39As on June,

201636.06

The credit outstanding under DRI is Rs.36.06 Crores as on 30.06.2016 as against target of Rs. 2,423 Crores (i.e. 1% of the total outstanding advances of 31.03.2016 i.e. Rs.2, 42,311 Crores).

The performance is negligible in comparison to the stipulations. All Banks are requested to make all out efforts to identify the eligible beneficiaries under DRI and to extend finance as per guidelines.

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AGENDA- 13

Government Sponsored Schemes - Government of Andhra Pradesh

13.1 Andhra Pradesh Micro Irrigation Project (APMIP): Achievement as on 31.07.2016 (Rs. In Lakhs)

Physical FinancialTarget Achievement Target Achievement

GoI Share State Share

Total GoI Share State Share

Total

150000 14219 21999.98 57069.49 79069.47 3455.51 6452.10 9907.61(Source: APMIP)

District wise progress under APMIP during 2016-17 is enclosed as Annexure No.31

13.2. Animal Husbandry: Heifer Induction Scheme: Achievement as on 30.06.2016 (Rs. in Lakhs)

Target AchievementPhysical Financial Physical Financial

6473 3884 0 0

13.3. Fisheries: Achievement as on 30.06.2016(Rs. in crores)

Target Credit extended to Government Sponsored

Schemes by Banks

Direct loans to Fisheries sector by BanksNo. of Units Bank Loan

15769 113.076 0.059 402.22(Source: Fisheries Department)

District wise progress under Fisheries during 2016-17 is enclosed as Annexure No.32

Marketing of Fish – Intervention with MUDRA under PMMY:

Department of Fisheries, GoAP vide Lr.No.3712/D2/2016 dated 20.08.2016 informed that the Department has conducted a survey on the livelihood activities of the fish vendors in 14 Municipal Corporations and 71 Municipalities in the state by duly collecting the details of their names, contact

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phone numbers, nature of fish marketing, quantity of fish sold etc., and identified around 10,000 fishers directly depending on this livelihood. The department desires to empower the fisheries as a part of hygienic handling of fish for enhancement of domestic fish consumption and improve their livelihood status by facilitating to provide bank loans under PMMY (MUDRA Loan Scheme).

The department has drawn a schedule to convene a precursor meetings with the officials in the district for working out modalities under different schemes as feasible to the beneficiary before conducting actual Mudra Loan campaigns in 24 places in 13 districts all over the state.

All Lead District Managers are requested to attend the precursor meetings and MUDRA loan camps along with District Coordinators of all Banks operating in the district and facilitate sanction of loans to the eligible fish vendors.

The following schemes are proposed based on the survey report for enhancement of local consumption of fish, vending of fish in hygienic condition, improvement of livelihoods of fish vendors and development of market and infrastructure.

Schemes proposed under Shishu Fresh Fish Vending in market place Dry Fish Vending in market place Fish Transport in Harbours

Schemes proposed under Kishore Two Wheeler mobile fish vending unit Three Wheeler mobile fish vending unit Fish Retailing Outlet in market/retail shop Live Fish Vending unit

Schemes proposed under Tarun Setting up of Fish Drying Unit Fish Retailing Kiosk

13.4. Horticulture: (Rs. in Lakhs)

Target

Total outlay Dept. Subsidy Benef. Contribution Bank Loan

66181.22 29781.55 6618.12 29781.55

Department has not furnished the achievement as on 30.06.2016 to SLBC for review

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13.5. Sericulture: Achievement as on 30.06.2016 (Amt. in Lakhs)

Target Applications Sponsored

Sanctioned GroundedNumber Amount Number Amount Number Amount

2067 4206.79 123 29 46.84 23 38.09 (Source: Department of Sericulture)

District wise progress under sericulture as on 30.06.2016 is enclosed as Annexure No.33

13.6. A.P. Backward Classes Co-op. Finance Corporation:

The Annual Credit Plan 2016-17 of Andhra Pradesh Backward Classes Cooperative Finance Corporation Limited was approved on 09.06.2016 during 194th SLBC meeting with a physical target of 29,333 under Margin Money (Subsidy) Scheme & 5,500 under BC Abhyudaya Yojana scheme. Now the Department has reduced the physical target and requested SLBC to place their revised Annual Credit Plan 2016-17 before the committee for approval.

Revised Target for the FY 2016-17

(Rs. in Lakhs)

Name of the Scheme Physical Target

Subsidy @ 50% or not exceeding

Rs.1 lakh

Bank Loan @ 50% or balance unit

costTotal outlay

Margin Money (Subsidy) Scheme 17600 17600 17600 35200

BC Abhyudaya Yojana 3300 3300 3300 6600

The district-wise targets of the above Annual Action Plan are enclosed as Annexure No.34

The forum may deliberate and approve the plan.

Progress:(Rs. in crores)

Name of the Scheme Funds Released by the Government

Funds released to Districts

No. of Beneficiaries

Margin Money 160.00 42807 156.21BC Abhyudaya Yojana 30.00 9423 26.89

Total 190.00 52230 183.10

13.7. A. P. State Kapu Welfare & Development Corporation Ltd.:The Annual Credit Plan 2016-17 of AP State Kapu Welfare & Development Corporation Ltd. was approved on 09.06.2016 during 194th SLBC meeting with a total outlay of Rs.80,000 lakhs under Swayam Upadhi Scheme. Now the Department has requested SLBC to place their revised Annual Credit Plan 2016-17 under Swayam Upadhi Scheme before the committee for approval.

Swayam Upadhi Scheme (Revised Target):

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(Rs. in lakhs)

2015-16 Spill Over Programme under 2016-17 Budget 2016-17 Annual action Plan

Total no. of Beneficiaries under 2015-16 Spill over

Programme + 2016-17 Action Plan

Total Outlay

Physical Subsidy Bank Loan

Total Outlay Physical Subsidy Bank

LoanTotal

Outlay Physical Financial

32385 19734.15 20266.85 40001.00 26300 26300 26300 52600 58685 92601

The district-wise targets of the above Annual Action Plan are enclosed as Annexure No.35


13.8. A.P. State Brahmin Welfare Corporation Ltd.:(Rs. in Lakhs)

Name of the Scheme Target for 2016-17

Applications received as on 30.06.2016

Applications received as on 12.08.2016

Chanakya Antyodaya 1750 27 301Chanakya Abhyudaya 875 27 301Chanakya Abhivrudhi 478 68 361Total 3,103 122 963

(Source: AP State Brahmin Welfare Corporation Ltd.)

13.9. Federations of BC Co-operative Societies under BC Welfare Department of GoAP: (Rs. in Lakhs)

Name of the Federation

Target for 2015-16 AchievementPhysical Amount

50% Subsidy

No. of 50% Subsidy ReleasedNo. of

Societies Benefs. Units Benefs.

A.P. Washermen Cooperative Societies Federation Ltd. 1206 18096 4524.00 544 7024 1749.75

A.P. Sagara ( Uppara ) Cooperative Societies Federation Ltd 492 7380 1845.00 150 1955 488.25

A.P. Krishna Balija, Poosala Cooperative Societies Federation Ltd. 485 7275 1818.75 22 277 69.25

A.P. Viswabrahmins Cooperative Societies Federation Ltd. 680 10200 2550.00 231 2968 740.25

A.P. Kummari/Shalivaahana Cooperative Societies Federation Ltd. 789 11835 2958.75 425 5524 1373.75

A.P. Nayee Brahmins Cooperative Societies Federation Ltd. 1171 17560 4390.00 368 4668 1159.75

A.P. Vaddera Cooperative Societies Federation Ltd. 645 9675 2418.75 263 3425 851.75

A.P. Valmiki/Boya Cooperative Societies Federation Ltd. 490 7350 1837.50 243 3290 815.50

A.P. Bhattraja Cooperative Societies Federation Ltd. 475 7125 1781.25 23 312 77.75

A.P. Medara Cooperative Societies Federation Ltd. 1171 17560 4390.00 75 963 240.75

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(Source: Respective federations)

Department requested all the Executive Directors of District B.C. Service Coop. Societies of Andhra Pradesh to send online proposals for which Bank Consents received for release of subsidy and to ground the schemes during 2016-17.

District wise progress under 10 BC Cooperative Societies as on 31.07.2016 for 2015-16 is placed as Annexure No.36

The Annual Credit Plan 2016-17 target for 10 Federations of BC Co-operative Societies was approved on 09.06.2016 during 194th SLBC meeting with a total outlay of Rs.390.94 crores. Now the Department has requested SLBC to place their revised Annual Credit Plan 2016-17 with a total outlay of Rs.708.18 crores before the committee for approval.

The district wise targets of the revised Annual Action Plan are placed as Annexure No.37.


13.10. A.P. Scheduled Caste Co-operative Finance Corporation Limited: Progress during financial year 2015-16 as on 31.03.2016

(Rs. in Lakhs)Target Applications Sanctioned

Physical Financial Physical Financial38054 17147.38 28961 15096.40

District wise & Bank wise progress under AP Scheduled Caste Co-operative Finance Corporation Ltd. during 2015-16 is placed as Annexure No.38

Further, Department has informed that the preparation of SC Action Plan 2016-17 is under progress.

The APSCCFC Ltd., Hyderabad has organized a two day Brain Storming Session on Strengthening of Online Beneficiary Management and Monitoring system (OBMMS) and related issued under Action Plans of Welfare Corporations for hassle free implementation through OBMMS package.

In this connection, the following issues were discussed and desired to take further action.

Name of the item of Work Existing procedure Changes requiredFurnishing of two Bank accounts for release of Subsidy

At present staff of the District Societies are physically going around the Bank Branches and obtaining the one Non-Operative SB Account and “0” Balance Loan Account, which is resulting in lot of expenditure and delay in releasing the subsidy by the Head Offices.

Banks to upload two account numbers (one Non-Operative SB Account and “0” Balance Loan Account) directly to the OBMMS portal at Banker login to save delay in obtaining the above account numbers.

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Uploading of UCs / unit photos

At present staff of the District Societies are physically going around the Bank Branches and obtaining the UCs and Unit photos to upload the same in OBMMS portal, which is resulting in lot of expenditure and delay in getting the UCs.

Banks to upload UCs & Photos of the unit directly to the OBMMS portal Banker login to save delay in obtaining the UCs.

Status on Bank Loan Recovery particulars of units grounded by the Welfare Corporations .

At present there is no tracking mechanism of Loan repayments made by the beneficiaries and the welfare Corporations are not in a position to know over dues of the beneficiaries assisted by the concerned welfare Corporations.

Banks to share the loan recovery data of the units grounded by the Welfare Corporations at Banker login to follow up the recovery position on par with the SERP who are sharing the loan recovery data from the concerned Banks.

The forum may deliberate on the procedure suggested by the corporation.

13.11. Andhra Pradesh State Christian (Minorities) Finance Corporation: Achievement as on 30.06.2016

(Rs. in lakhs)

Target for the year 2016-17 AchievementPhysical Financial Physical Financial

1250 1248.00 301 204.90 (Source: AP State Christian (Minorities) Finance Corporation)

13.12. Andhra Pradesh Scheduled Tribes Co-op Finance Corporation Ltd. (TRICOR) (Rs. in lakhs)

Target Achievement

Benf. Subsidy Bank Loan Total Outlay Benf. Subsidy Bank Loan Total Outlay

5242 4350.11 5444.30 9794.41 1568 1140.33 737.93 1878.26

(Source: TRICOR)

District wise and Bank wise progress under TRICOR during 2016-17 up to 30.06.2016 is placed as Annexure No.39

13.13. A.P. State Minorities Finance Corporation Ltd.: (Rs. in lakhs)

Target Sanctions Grounding

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22978 4522.09 2548.63 14125 4533.39 3428.31 1634 588.96 468.78 (Source: A.P. State Minorities Finance Corporation Ltd)

Bank wise and District wise progress under AP State Minorities Finance Corporation Ltd. during 2016-17 up to 30.06.2016 is placed as Annexure No.4013.14. Welfare of Differently Abled and Senior Citizens, AP : Achievement as on 30.06.2016

(Rs. in crores)Physical Target Achievement Expenditure Percentage of

Achievement720 60 0.50 8.33%

(Source: Department of Welfare of Differently Abled and Senior Citizens, AP)

13.15. Andhra Pradesh Society for Training and Employment Promotion (APSTEP):(Rs. in Lakhs)

TargetPhysical Subsidy Bank Loan Project Cost

13000 13000 13000 26000

Department informed that the Government have not yet finalized the guidelines under Economic Assistance Scheme linked with Bank Finance programme during the financial year 2016-17. The progress report on implementation of Scheme as on 30.06.2016 may be treated as Nil.

13.16. Banks are requested to instruct the branches to release loan & subsidy Component as per the unit cost and ensure that units are established as per the scheme guidelines for income generation in respect of all Government Sponsored Schemes.

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13.17. Overdue position under Government sponsored schemes as on 30.06.2016 (Rs. In Crores)

Sector

Outstanding Overdue Non – Performing Assets

No. of a/cs

Amount

No. of overdue accounts



No. of accounts Amount

Central Government Sponsored Schemes 431289 6754.39 77840 1054.53 258.69 39222 268.57

Of whichSGSY / NRLM 275364 4892.65 36431 667.77 107.85 14765 117.24

SJSRY / NULM 66926 1231.84 13775 179.70 47.41 9097 45.16

PMRY/PMEGP 20864 271.82 10219 98.85 55.21 6568 56.43

DEDS 63743 285.11 15505 79.66 31.31 7747 31.39

State Government Sponsored Schemes

2236887 26298.17 512892 7330.27 3144.02 271407 2168.51

Central Government Sponsored Schemes: The percentage of total balance in overdue accounts & NPA to out standings is 15.61% & 3.98% respectively.

State Government Sponsored Schemes: The percentage of total balance in overdue accounts & NPA to out standings is 27.87% & 8.25% respectively.

SGSY/NRLM: The percentage of total balance in overdue accounts & NPA to outstandings is 13.65% & 2.40% respectively.

SJSRY/NULM: The percentage of total balance in overdue accounts & NPA to outstandings is 14.59% & 3.67% respectively.

PMRY/PMEGP: The percentage of total balance in overdue accounts & NPA to outstandings is 36.37% & 20.76% respectively.

DEDS: The percentage of total balance in overdue accounts & NPA to outstandings is 27.94% & 11.01% respectively.

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Agenda 14

Position of MFI finance extended as on 30.06.2016S.No

Particulars Amt. in Crores

1 Cumulative Amount of Loans sanctioned so far 131.622 Cumulative Loans Disbursed so far 126.273 Total Loans outstanding 92.834 Total amount due for payment (Demand) 47.725 Total amount recovered 17.926 Total amount overdue 29.807 Out of (6) amount overdue [Standard] 3.398 Out of (6) amount overdue [NPA] 26.419 Non Fund exposure/Off Balance Sheet exposure O/s 0.00

AGENDA- 15

Financial Inclusion

15.1. Roadmap for opening brick and mortar branches in villages with population more than 5000 without a bank branch of a scheduled commercial bank:

15.1.1 Progress as on 30.06.2016:

No. of villages to be covered with bank branches as per road map 568No. of villages provided with bank branches 5

15.1.2 Implementation of PCA (Prompt Corrective Action) plan in Indian Overseas Bank (IOB) – Reallocation of villages to other banks in the state: The following villages have been reallocated to other banks (earlier allotted to Indian Overseas Bank) by the respective Lead District Managers.

S. No District Name Sub-district

name Village name Population Bank allocated

1 Chittoor Yerpedu Vikruthamala 8,416 LDM recommended for exemption, since one of the revenue villages of Vikruthamala i.e. Papanaidupeta is

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having bank branch

2 East Godavari Mandapeta Ippanapadu 5,483 HDFC3 East Godavari Uppalaguptam Bheemanapalle 7,733 HDFC4 Guntur Amaravathi Nemalikallu 5,812 CGGB5 Guntur Chebrolu Suddapalle 5,461 Federal Bank6 SPS Nellore Jaladanki Chamadala 5,073 Karur Vysya Bank7 Visakhapatnam Munagapaka Thotada 5,053 Indian Bank8 Visakhapatnam Nakkapalle Pedateenarla 6,055 Union Bank of India9 Guntur Guntur Ankireddipalem (R) 22,256 CGGB

15.1.3. Reallocation of villages of APGVB in East & West Godavari Districts:

APGVB has expressed their inability to open bank branches in the following villages with a reason that East Godavari & West Godavari districts are not in their area of operation.

S.No. District Name Sub-District Name Village Name Population1 East Godavari Vararamachandrapuram Waddegudem 5,0582 West Godavari Velairpadu Thatukur 5,549

In this regard, SLBC has advised Lead District Managers to allot the said villages among the banks which were allotted earlier to APGVB, since there is a restriction in area of operation for RRBs.

15.2. Availability of ATMs in the State of Andhra Pradesh:

Quarter ended

No. of ATMs

31.03.2015 714331.03.2016 821030.06.2016 8309

15.3. National Mission on Financial Inclusion Plan – Pradhan Mantri Jan Dhan Yojana (PMJDY):

15.3.1. Progress on Number of Accounts opened under PMJDY (16.08.2014 to 03.08.2016)

Type of Bank

No. of AccountsTotal No.

of Accounts

Total Amount in Lakhs

Zero Balance

Accounts

RuPay Cards Issued

Aadhaar Seeding

Rural UrbanPSBs

2884566274439

75628963 65863.25 1411972 5136976 4561435

Private sector Banks

41841 124435 166276 2427.27 56036 144938 86826

RRBs 1386104 348804 1734908 16508.54 250957 1226478 1133522

Total 4312511321763

67530147 84799.06 1718965 6508392 5781783

% to Total Accounts 22.83% 86.43% 76.78%

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15.3.2. Opening of Bank Branches in Left Wing Extremism (LWE) Districts:

Department of Financial Services, Ministry of Finance, GoI vide letter F.No.20/57/2010-FI (C-53274), dated 6th July, 2016 informed that Financial Inclusion is a national priority of the Government as it is an enabler for inclusive growth. Financial Inclusion is important as it provides an avenue to the poor for bringing their savings into the formal financial system besides enabling them to get benefits of various schemes under Direct Benefit Transfer (DBT). Although all round improvement has been made in expansion of banking activities across the country in recent past yet the progress in Left Wing Extremism (LWE) affected Areas have not been at par with the country.To fasten the pace of expansion of banking activities in 35 most affected LWE districts in the country, SLBC Convener Banks requested to;

Remain in constant touch with the State Administration regarding opening of branch / installation of ATMs, particularly at campuses of Central Paramilitary Forces stationed at such LWE affected districts.

Monitor the issuance of RuPay Cards in all the eligible accounts and also ensure availability of Bank Mitras in these areas.

In this regard, Government is requested to furnish the list of police establishments, security camps and campuses of Central Paramilitary Forces in the Visakhapatnam District (one of the 35 worst affected LWE districts in the country), to enable SLBC to direct the controlling authorities of banks to comply with the directions of GoI.

15.3.3. Deployment of Bank Mithras:Banks have to complete the process of deployment of Bank Mitras in all the pending locations. Wherever bank mitras are appointed, banks have to ensure that they work from a fixed point location with online interoperable devises at the earliest so that the benefits of PMJDY can reach to the beneficiaries.

The list of bank mitras as per the proforma along with photographs & contact details are to be placed in the bank’s website and the same is to be shared with SLBC to place in SLBC’s website.

GoAP requested Banks to deploy SHG members as Bank Mitras wherever required or not available.

Department of Rural development, GoAP requested SLBC to include the following points in agenda notes.

i. Deployment of Business Correspondents / Bank Mithras in all the Gram Panchayats.ii. Activating all the inactive accounts to active mode in NPCI mapper.iii. Opening of new PMJDY accounts in a camp mode for wage seekers who are not having an

accountiv. Noting the consents given by the wage seekers for using their Aadhaar number for crediting

the wage payments in the data base of the banks.

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15.3.4. Solar Powered V-SAT connectivity to Kiosk / Fixed CSPs in the Sub-Service Areas – Support under FIF: as on 30.06.2016

The following banks have submitted the list of SSAs for which support is being sought under FIF, through self certified letter to SLBC for placing the same before the committee for information and records.

S No

Name of the BankNumber of SSAs with No

connectivity(Dark Areas)

Number of SSAs with Intermittent connectivity

(Grey Areas)Total

1 Andhra Bank 0 30 302 APGB 0 43 433 APGVB 29 74 1034 SBI 7 29 365 Syndicate Bank 2 3 56 Union Bank of India 36 8 447 Indian Overseas Bank 0 25 25

Total 0 74 212

Out of 286 locations, the details of 151 locations was placed in agenda notes of 194 th SLBC meeting and remaining 135 locations submitted by the banks through self certified letter to SLBC for Solar Powered V-SAT connectivity under NABARD FIF scheme is placed as Annexure.No.41

15.3.5. Progress report - Number of Enrollments under Social Security Schemes as on 06.08.2016

Type of Bank PMSBY PMJJBY APY TotalPSBs 5347242 1047328 112409 6506979Pvt. Sector Banks 236932 59979 6816 303727RRBs 1257892 317071 40354 1615317Co-operative Banks 698 388 0 1086

Grand Total 6842764 1424766 159579 8427109

Controlling authorities of all banks are requested to monitor the renewal of Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) by the branches.

15.3.6. Voluntary seeding of Pension accounts with Aadhaar numbers to facilitate submission of Digital Life Certificates (DLCs) by pensions through ‘Jeevan Pramaan’:Department of Pension & Pensioners’ Welfare, Ministry of Personnel, Public Grievances & Pensions, GoI vide letter DO No.1/21/2016-P&PW(E) dated 24th May, 2016 informed that the Government has

54


been pursuing with the pension disbursing banks to sensitize the pensioners of the benefits of the ‘Jeevan Pramaan’ application.

Banks are requested to provide Aadhaar Enrolment facility in the afore-mentioned camps. Enrolment agencies under banks control may be suitably instructed in this regard. Banks may also utilize facilities of Permanent Enrolment Centres (PECs) operating in the nearby area, run by CSCs or the State Governments. List of PECs is available on UIDAI website (http://appointments.uidai.gov.in/easearch.aspx ).

Lead District Managers are advised to coordinate and personally supervise the organisation of these camps.

GoI requested SLBC to include the review of progress as an agenda item of SLBC meetings. Hence, all banks are requested to submit the progress in seeding of pension account with Aadhaar number on monthly basis.

Further, Department of Pension & Pensioners’ Welfare, Ministry of Personnel, Public Grievances & Pensions, GoI vide letter DO No.1/20/2016-P&PW(E), dated 23.06.2016 informed that the initiative taken by the banks has been well received by the pensioners. Banks have reported improved seeding during the special camp.

During the Video Conference held with the Banks on 15th June, 2016, it was decided that special camps shall be continued every month till December 2016. The schedule given below would benefit large number of pensioners who visit bank branches towards the end/beginning of the month:

28th June, 2016 to 8th July, 201627th July, 2016 to 6th August, 201629th August, 2016 to 9th September, 201627th September, 2016 to 7th October, 201628th October, 2016 to 11th November, 201628th November, 2016 to 9th December, 2016

Banks may be advised to give adequate publicity in the local media, including Cable/TV channels. They may also advised to contact the pensioners through letter/telephone, email, fax, etc., to get their Pension Accounts seeded with Aadhaar numbers.

15.3.7. Common Strategy to be adopted by Banks to achieve the targets under PMJDY in Mission Mode: Department of Financial Services (Mission Office), Ministry of Finance, vide letter F.No. 21(23)/2014-FI (Mission), dated 13th July, 2016 informed that Pradhan Mantri Jan Dhan Yojana (PMJDY) our national mission on financial inclusion was launched by the Hon’ble Prime Minister on August 28th 2014 to ensure access to financial services, namely Banking Savings & Deposit Accounts, Remittance, Credit, Insurance, and Pension to the unbanked households in an affordable manner.

Government has come a long way in achieving various targets given for financial inclusions like opening of the bank accounts under PMJDY along with associated actions. Still number of tasks

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http://appointments.uidai.gov.in/easearch.aspx


remain to be achieved, like seeding of bank accounts of various categories with Aadhaar number, mobile number, distribution and activation of RuPay cards to name a few. Now is the time to finish this task in super mission mode on or before stipulated time frame.

To achieve the target, it is now being decided to adopt the common strategy based on the inputa provided by the banks. Since new strategy is based on the common inputs provided by the grouns actors, it is hoped that this will be psychologically and administratively adopted in right spirit to achieve the target so set.

Strategic Targets:

1. Aadhaar Seeding of accounts, RuPay card/Pin distribution and activation Camp mode Publicity and communication to the account holders for camps and its activities and

also to bank employees Target Mode – frequency of monitoring of progress in seeding to achieve targets Incentivisation Enabling and simplifying multiple channels for seeding Monitoring & Control – daily monitoring branch wise/channel wise of target

achievements2. Connectivity in SSA / Villages

Coverage of uncovered SSAs in darkareas To ensure uninterrupted services in grey areas identified by the bank

3. Bank Mitr availability, Deployment, Strengthening & Training Checking for Availability Monitoring and supervision of Bank Mitr Awareness, Training and Certification Deployment of Devices

4. Zero Balance monitoring, Overdraft facility and automation

All banks are accordingly requested to re-energize their efforts in line with the common strategy to achieve the targets well within the timeline.

15.3.8. Advertisement on seeding of Aadhaar in Local News papers: During deliberations of 194th SLBC meeting of AP held on 09.06.2016, member banks have agreed to give publicity in local news papers on behalf of SLBC in vernacular language regarding seeding of Aadhaar numbers with Bank accounts to improve Aadhaar seeding and cost is to be shared by all banks in proportion to their branch network.

Accordingly SLBC has released advertisement in Telugu news Papers with a size of “12w X 20h” (cm) on 01.07.2016 & 11.07.2016 in Andhra Jyothi and on 06.07.2016 in Sakshi.

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In this regard, an amount of Rs.1,63,552/- (Rupees One lakh sixty three thousand five hundred and fifty two only) was incurred towards advertisement cost. SLBC vide Lr.No.666/30/176/340, dated 04.08.2016 has communicated the sharing of expenditure details to member banks with a request to reimburse at an early date.

15.4. Credit plus activities

15.4.1. Financial Literacy Centers (FLCs) - Position in A.P as on 30.06.2016: Particulars No. of FLCs

Number of FLCCs operating in the District Head Quarters 17Number of FLCCs operating in Lead District Offices 10Number of FLCCs operating in Other Places 42

Total 69(Detailed statement enclosed as Annexure No.42)

15.4.2. Opening of Financial Literacy Centres (FLCs) at JMLBC Centres:SLBC is in receipt of a communication from FIDD, RBI, Hyderabad wherein RBI has expressed its concern regarding non opening of FLCs at JMLBC centres as per allocations made to various banks which was approved in the 2nd meeting of the State Level Implementation Committee on PMJDY held on 18.02.2015.

The list of centres so allotted to the banks were communicated to all LDMs with an advice to place the issue as an agenda item in the DCC meetings and regularly review the progress in the matter. As per the information available with SLBC, FLCs have been opened in only 26 JMLBC centres so far, out of a total of 146 centres and FLCs are yet to be opened in the remaining 120 centres.

Lead District Managers are advised to invariably place the issue in the DCC / JMLBC meetings as an agenda item and prevail upon the Controllers to open the FLCs as per the allocations made at the earliest.

Conduct of Financial Literacy Programmes: As per the revised guidelines of RBI, all FLCs have to organize at least six target group specific camps for Farmers, SHGs, MSME, Senior Citizens, School Children and other needy Sectors and one Camp for the newly inducted people in the financial system including PMJDY account holders every month. As many stake holders as possible at the district / Panchayat/ village level including LDM, DDM of NABARD, LDO of RBI, Bankers, District and Local Administration, Block level officials, NGOs, SHGs, BCs, Farmer Clubs, Panchayats, PACS, Village level functionaries etc. have to be involved during these camps.

RBI observed that, in general, the FLCs have not been able to meet the minimum targets of conducting target-specific camps (some FLCs have not conducted any camps). Further, rural

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branches in general have not been able to meet the target of either special camps or target-specific camps.

RBI Pilot Project on Block Level CFLs (Centres for Financial Literacy): RBI felt the need for taking up Financial Literacy on a large scale to spread awareness among the general population especially in rural areas and those hitherto excluded from the formal financial system. So far FLCs are set up in the district head quarters and some FLCs are also set up in Blocks.

A Scheme has been devised for implementation in 10 states covering 100 blocks in the entire country of which 10 blocks are to be covered in the state of Andhra Pradesh covering 4-5 districts through the Lead Banks on a Pilot basis which will be funded through the Financial Inclusion Fund subject to the limits for Capital and operational costs for a period of three years.

During the meeting held on 24.08.2016 with Controllers of Lead Banks by RBI, the following blocks were tentatively identified for implementation of the project:

Sl.No. Lead Bank District /s No. of Blocks

Name of the Blocks

1 Andhra Bank East Godavari 2 Uppada & RampachodavarmKrishna 1 Kondapally

2 Syndicate Bank Anantapuram 2 Dharmavaram & RayadurgamSPS Nellore 2 Butchireddypalem & Udayagiri

3 State Bank of India Visakhapatnam 2 Araku & Yetikoppaka4 Indian Bank Krishna 1 Machilipatnam

Banks may confirm / suggest modifications if any for the above blocks to take the pilot project forward for implementation.

15.4.3. Rural Self Employment Training Institutes in Andhra Pradesh: Statement of performance of RSETIs for the financial year 2016-17 up to July - 2016 is enclosed as Annexure No.43

Reimbursement of pending claims of expenditure to Institutes: Presently expenditure claims pertaining to the financial years 2010-11, 2011-12, 2012-13,2013-14, 2014-15 and 2015-16 (up to March end) are still pending for reimbursement to the institutes.GoAP requested to reimburse the expenditure of Rs.15.50 Crores for all the institutes in the state of Andhra Pradesh. Statement of claims submitted by RSETIs is placed as Annexure No. 44

Out of 15 RSETIs in the state of Andhra Pradesh MoRD has awarded ‘AA’ grading for 13 RSETIs, ‘AB’ grading for 1 RSETI & ‘BB’ grading for 1 RSETI.

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Special focus on training programmes for rural unemployed youth on select activities offering self-employment opportunities:

Department of Rural Development, Ministry of Rural Development, GoI vide letter D.O.#.2943-/2016-17/F-401+05/RSETIs, dated June 20, 2016 informed that on the basis of a high level review meeting to give thrust in organizing training programmes on another twenty eight additional activities identified, which are also offering good self-employment potential. The list of 28 activities for which approved course modules have been developed by National Academy of RUDSETI (NAR) is enclosed as Annexure No.45

Sponsor Banks of RSETIs are requested to advise their RSETIs to make all-out efforts to identify eligible candidates in their command area and organize maximum number of training programmes under the identified activities on priority.

Prime Minister’s Office is reviewing the progress made at regular intervals and as such, please ensure that RSETIs will give extensive publicity to these schemes, organize Entrepreneurship Awareness Programmes to mobilize eligible candidates and take the required steps to train maximum number of unemployed youth under these training programmes.

15.4.4. APSLBC CALL CENTRE: SLBC has established a Call Centre namely ` APSLBC CALL CENTRE` on behalf of all Banks in the state with toll free telephone Number i.e. 18004258525, SMS service and email queries facilities to provide for an effective and centralized grievance redressal and facilitation mechanism for opening of Bank accounts and other banking related queries as part of financial inclusion. The call centre is engaged in providing additional information on farming and other beneficiary oriented programmes.SLBC AP call centre was designated for receiving the grievances in implementation of PMJDY with caller tone of PMJDY. Accordingly staff at the call centre was given orientation by SLBC.

As per the directions of DFS, MoF, SLBC of AP has enabled a separate Toll Free Number i.e.1800 425 1525 exclusively for MUDRA for grievance redressal at AP SLBC Call Centre in Andhra Bank, Head Office, Hyderabad.

Continuation of Call Centre for the financial year 2016-17 was approved in 1 st Steering Committee meeting of SLBC of AP 2016-17.

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AGENDA- 16

Overdue/NPA position

16.1 Overdue / NPA position as on 30.06.2016 under various sectors (Priority)(Rs. in Crores)

Sector

Outstanding Overdue Non – Performing Assets

No. of a/cs

AmountNo. of overdue accounts



No. of accounts

Amount

Short Term Crop Production Advances

8958142 67403 2489574 21790 21790 526753 3672

Agrl.Term Loans Including Agrl. Allied Activities

1902541 28292 652339 7255 4091 322249 2348

Total Farm Credit 10860683 95695 3141913 29045 25881 849002 6021

Agriculture Infrastructure

7560 614 1703 207 112 607 99

Ancillary Activities 17638 4400 1893 523 207 643 124

Total Agriculture Advances 10885881 100709 3145509 29775 26199 850252 6244

MSME Sector Advances 1124024 40705 249350 7451 3650 105163 2970

Export Credit 312 956 24 14 0 1 0Others under Priority Sector Advances

789482 26724 132849 4833 1235 65119 884

Total Priority Sector Advances 12799699 169094 3527732 42073 31084 1020535 10098

Non-priority sector loans 4361388 77313 338364 11149 5775 148951 4327

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Total Advances 17161087 246407 3866096 53222 36859 1169486 14425

Housing Loans 385445 19114 72376 3838 786 30311 502

Education Loans 144168 3669 24818 640 258 11934 233

Self Help Groups Advances

794834 15189 147872 2277 1295 73757 784

Short Term Agriculture Crop Production Loans:The total outstanding balance in overdue accounts (PNPA) is Rs.21,790 crores which is 32.33% and NPA is 5.45% to total outstandings and NPA in real terms it is Rs.3,672 crores. Agriculture Term Loans Including Allied Activities:The total outstanding balance in overdue accounts (PNPA) is Rs.7,255 crores which is 25.64% and NPA is 8.30% to total outstandings and NPA in real terms it is Rs.2,348 crores. Total Farm Credit: The total outstanding balance in overdue accounts (PNPA) is Rs.29,045 crores which is 30.35% and NPA is 6.29% to total outstandings and NPA in real terms it is Rs.6,021 crores. Agriculture Infrastructure: The total outstanding balance in overdue accounts (PNPA) is Rs.207 crores which is 33.71% and NPA is 16.12% to total outstandings and NPA in real terms it is Rs.99 crores. Ancillary Activities: The total outstanding balance in overdue accounts (PNPA) is Rs.523 crores which is 11.89% and NPA is 2.82 % to total outstandings and in real terms it is Rs.124 crores.Total agriculture Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.29,775 crores which is 29.57% and NPA is 6.20 % to total outstandings and in real terms it is Rs.6,244 crores.MSME Sector Advances:The total outstanding balance in overdue accounts (PNPA) is Rs.7,451 crores which is 18.30% and NPA is 7.30 % to total outstandings and in real terms it is Rs.2,970 crores.Other Priority Sector Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.4,833 crores which is 18.08% and NPA is 3.31 % to total outstandings and in real terms it is Rs.884 crores.Total Priority Sector Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.42,073 crores which is 24.88% and NPA is 5.97 % to total outstandings and in real terms it is Rs.10,098 crores.Non-Priority Sector Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.11,149 crores which is 14.42% and NPA is 5.60 % to total outstandings and in real terms it is Rs.4,327 crores.Total Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.53,222 crores which is 21.60% and NPA is 5.85 % to total outstandings and in real terms it is Rs.14,425 crores.Housing Loans Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.3,838 crores which is 20.08% and NPA is 2.63 % to total outstandings and in real terms it is Rs.502 crores.Education Loans Advances:

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The total outstanding balance in overdue accounts (PNPA) is Rs.640 crores which is 17.44% and NPA is 6.35 % to total outstandings and in real terms it is Rs.233 crores.Self Help Group Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.2,277 crores which is 14.99% and NPA is 5.16 % to total outstandings and in real terms it is Rs.784 crores.

Agriculture71%

MSME10%

Others un-der Priority

3% Non Priority16%

Sector wise Actual Overdues as on 30.06.2016 under Priority Sector

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Agriculture43%

MSME21%

Others un-der Priority

6%

Non Priority30%

Sector wise NPA Position as on 30.06.2016 under Priority Sector

16.2 Overdue / NPA position as on 30.06.2016 under various sectors (Non-Priority)(Rs. in Crores)

Sector

Outstanding OverdueNon – Performing Assets

No. of a/cs

AmountNo. of overdue accounts



No. of accounts

Amount

Agriculture 852 162 719 45 36 6 0.09

MSE -Service Sector

8775 1075 1048 295 103 614 76

Medium Enterprises 2500 5084 278 683 498 193 366

Large Industries 9225 12932 603 2947 2502 400 2319

Education 15342 695 524 38 18 276 16

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Housing 547161 11041 8338 1003 153 1426 105

Other Personal Loans

1380448 16887 117520 2829 738 35194 373

Other Non-Priority Sector Loans

2397085 29437 209334 3309 1726 110842 1072

Total Non-Priority Sector Advances

4361388 77313 338364 11149 57744 148951 4327.09

Agriculture Advances:The total outstanding balance in overdue accounts (PNPA) is Rs.45 crores which is 27.78% to total outstandings .

MSE Service Sector:The total outstanding balance in overdue accounts (PNPA) is Rs.295 crores which is 27.44% and NPA is 7.07% to total outstandings and NPA in real terms it is Rs.76 crores. Medium Enterprises: The total outstanding balance in overdue accounts (PNPA) is Rs.683 crores which is 13.43% and NPA is 7.20% to total outstandings and NPA in real terms it is Rs.366 crores.

Large Industries: The total outstanding balance in overdue accounts (PNPA) is Rs.2,947crores which is 22.79% and NPA is 17.93% to total outstandings and NPA in real terms it is Rs.2,319 crores.

Loans to Education Sector: The total outstanding balance in overdue accounts (PNPA) is Rs.38 crores which is 5.47% and NPA is 2.30 % to total outstandings and in real terms it is Rs.16 crores.

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Loans to Housing Sector: The total outstanding balance in overdue accounts (PNPA) is Rs.1,003 crores which is 9.08% and NPA is 0.95 % to total outstandings and in real terms it is Rs.105 crores.

Other Personal Loans:The total outstanding balance in overdue accounts (PNPA) is Rs.2,829 crores which is 16.75% and NPA is 2.21 % to total outstandings and in real terms it is Rs.373 crores.

Other Non-Priority Sector Advances:The total outstanding balance in overdue accounts (PNPA) is Rs.3,309 crores which is 11.24% and NPA is 3.64 % to total outstandings and in real terms it is Rs.1,072 crores.

Total Non-Priority Sector Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.11,149 crores which is 14.42% and NPA is 5.60 % to total outstandings and in real terms it is Rs.4,327 crores.

Agriculture1%

MSE-Service2% Medium Ent.

9%

Large Ind.43%

Education0%

Housing3%

Other Personal Loans13%

Others30%

Sector wise Actual Overdues as on 30.06.2016 under Non-Priority Sector

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MSE-Service2%Medium Ent.

8%

Large Ind.54%

Education0%

Housing2%

Other Per-sonal Loans

9%

Others25%

Sector wise NPA Position as on 30.06.2016 under Non-Priority Sector

AGENDA- 17

Regional Rural Banks

The main focus of Regional Rural Banks is to extend credit to Agriculture and Allied activities in rural, semi urban and urban areas. RBI, NABARD and Sponsored Banks are reviewing the performance of RRBs at regular intervals.

17.1 Performance of Regional Rural Banks on important parameters

Bank Net WorkS.

NoName of the

RRBNo. of Branches

as on 31.03.2015

No. of Branches as on

30.06.2015


31.03.2016


30.06.20161 APGVB 254 254 267 2672 APGB 470 471 500 5033 CGGB 158 159 174 1744 S G B 170 170 181 181

Total 1052 1054 1122 1125

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Deposits: (Rs. In crores)

S. No Name of the RRB 31.03.2015 30.06.2015

31.03.2016 30.06.2016

1 APGVB 2563.65 2837.84 3420.66 3605.452 APGB 7813.24 8000.93 9594.65 10044.693 CGGB 2186.21 2257.34 2733.36 2870.484 SGB 3087.03 3276.26 3696.14 3854.27

Total 15650.13 16372.37 19444.81 20374.89

Advances (Rs. In crores)

S. No Name of the RRB 31.03.2015 30.06.2015

31.03.2016 30.06.2016

1 APGVB 2237.85 2147.65 2637.64 2640.112 APGB 7321.74 7730.27 8764.81 8972.493 CGGB 1993.83 2147.38 2428.78 2759.624 S G B 3393.26 3271.46 3555.03 3631.29

Total 14946.68 15296.76 17386.26 18003.51

CD RatioS. No Name of the RRB 31.03.2015 30.06.201

531.03.2016 30.06.2016

1 APGVB 87.29 75.68 77.11 73.232 APGB 93.71 96.62 91.35 89.333 CGGB 91.20 95.13 88.86 96.144 S G B 109.92 99.85 96.18 94.21CD ratio of all RRBs 95.51 93.43 89.41 88.36

Total Agriculture Advances (Rs. In crores)

S. No Name of the RRB 31.03.2015 30.06.2015 31.03.2016 30.06.20161 APGVB 1267.35 1376.93 1798.32 1801.412 APGB 5618.42 5641.60 6786.23 7058.653 CGGB 1621.30 1807.44 1988.67 2288.88

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4 S G B 2495.65 2412.60 2757.79 2844.69Total 11002.72 11238.57 13331.01 13993.63

Short Term Crop Production Loans

(Rs. in crores) S. No Name of the RRB 31.03.2015 30.06.2015 31.03.2016 30.06.2016

1 APGVB 619.28 602.20 804.41 803.052 APGB 2931.63 3030.98 3920.08 4232.583 CGGB 1306.27 1405.74 1556.67 1821.334 S G B 1669.61 1725.85 2025.11 1957.94

Total 6526.79 6764.77 8306.27 8814.90

AGENDA -18Other Items

18.1 Progress on filing of Equitable Mortgage Records on CERSAI as on 30.06.2016:

Type of BankTotal number of Equitable Mortgages taken by the Banks from its Borrowers

during the Quarter

No. of records uploaded on CERSAI Portal during Quarter

1 2 3PSBs 4753 4798Pvt. Sector Banks 1550 1612RRBs 480 480Co-operative Banks 36 36Others 0 0

Total 6819 6926 (The figures are indicative as the data has not been received from all member banks)

Bank wise progress in filing of Equitable Mortgage records on CERSAI is placed as Annexure No.46

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CERSAI vide letter CERSAI/DR/2015/SLBC-1000 dated 04.09.2015 informed that CERSAI has now enabled the provisions for generating the State wise data of registration in CERSAI for use of the Banks in SLBC meetings.

The primary user of the respective banks can download the subject report using the link => Reports => Statewise Registration Report in the CERSAI portal periodically for any quarter.

AGENDA -19 19.1. Circulars issued by RBI:

a. RBI/2016-17/02, FIDD.CO.LBS.BC.No.5/02.01.001/2016-17, dated July 1, 2016 – Lead bank Scheme

b. RBI/2016-17/03, FIDD.FID.BC.No.06/12.01.033/2016-17, dated July 01, 2016 – SHG Bank Linkage Programme

c. RBI/2016-17/04, FIDD.GSSD.BC.No.01/09.10.01/2016-17, dated July 1, 2016 – Credit Facilities to Minority Communities

d. RBI/2016-17/05, FIDD.CO.GSSD.BC.No.03/09.09.01/2016-17, dated July 01, 2016 – Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs)

e. RBI/2016-17/9, FIDD.GSSD.CO.BC.No.07/09.01.01/2016-17, dated July 01, 2016 – Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM)

f. RBI/2016-17/10, FIDD.GSSD.CO.BC.No.04/09.16.03/2016-17, dated July 01, 2016 – Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM)

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g. RBI/FIDD/2016-17/27, Master Direction FIDD No.FSD.BC.2/05.10.001/2016-17, dated July 1, 2016 – Relief Measures by Banks in Areas Affected by Natural Calamities

h. RBI/FIDD/2016-17/33, Master Direction FIDD.CO.Plan.1/04.09.01/2016-17, dated July 7, 2016 – Priority Sector Lending – Targets and Classification [All Scheduled Commercial Banks, (excluding Regional Rural Banks)]

i. RBI/FIDD/2016-17/34, Master Direction FIDD.CO.Plan.2/04.09.01/2016-17, dated July 7, 2016 – Priority Sector Lending – Targets and Classification (All Regional Rural Banks)

j. RBI/FIDD/2016-17/37, Master Direction FIDD.MSME & NFS.3/06.02.31/2016-17, dated July 21, 2016 – Lending to Micro, Small & Medium Enterprises (MSME) Sector

k. RBI/2016/17-32, FIDD.CO.FSD.BC.No 9/05.02.001/2016-17, dated August 4, 2016 – Interest Subvention Scheme for short term crop loans

l. RBI/2016-14-40, FIDD.FLC.BC.No.12/12.01.018/2016-17, dated August 25, 2016 – Financial Literacy Centres – Revised reporting format

m. RBI/2016-17/41, FIDD.CO.FSD.BC.11/05.10.007/2016-17, dated August 25, 2016 – Pradhan Mantri Fasal Bima Yojana – Non – feeding of data by bank branches in the Crop Insurance Portal of MoA&FW

n. RBI/2016-17/42, FIDD.GSSD.CO.BC.No.13/09.01.03/2016-17, dated August 25, 2016 – Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM) – Aajeevika – Interest Subvention Scheme

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Documents

190th Meeting of State Level Bankers’ Committee of … Meetings/195th SLBC Agenda.docx · Web view195th Meeting of State Level Bankers’ Committee of Andhra Pradesh (12th Meeting