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STATE LEVEL
BANKERS’ COMMITTEE MEETING
FOR MIZORAM
(AGENDA NOTES FOR THE QUARTER ENDED JUNE 2017)
DATE : 03.11.2017
Time : 11:00 A.M.
Venue : Secretariat Conference Hall
CONVENER
STATE BANK OF INDIA
LEAD BANK OFFICE
AIZAWL-796001
MIZORAM
Contents S No Subject Page No.
1 General Information on the state of Mizoram 1
2 Abbreviation used in the booklet (specimen) 2
3 List of Invitees 3
4 Map of Mizoram 4
5 Selected Economic indicators, Mizoram 5
6 District-wise Population (as per 2011 Census) 6
Agenda Items for SLBC Meeting for the Quarter ended June 2017 8
7 Details of Banking Profile of Mizoram in the FY 2017-18 as on 30.06.2017 19
8 Details of Branch Network of Mizoram as on date 30.06.2017 20
9 Bank Business and CD Ratio of Mizoram as on 30.06.2017 21
10 District-wise and Bank-wise Bank Business and CD Ratio as on 30.06.2017 22
11 Analysis of Total Priority Sector Advances as on 30.06.2017 25
12 Details of Advances Under AGRICULTURE of Mizoram as on 30.06.2017 26
13 Financing Kisan Credit cards KCC of Mizoram in the year FY 2017-18 as on
30.06.2017 27
14 District-wise and Bank-wise achievement of ACP Target for the financial year FY
2017-18 up to 30.06.2017 28
15 Financing Under MSME Sector of Mizoram in the FY 2017-18 as on 30.06.2017 33
16 Progress of MUDRA loan Scheme in Mizoram in the FY FY 2017-18 as on 30.06.2017 34
17 Progress of Stand Up India (SUI) loan Scheme in Mizoram in the FY 2017-18 as on 30.06.2017 35
18 Roadmap for providing banking services in every village having population below 2000-Progress for the Quarter ended - June 2017 36
19 Progress on providing banking services in every village having population above 2000 - for the Quarter ended - June 2016 37
20 Progress under Social security Schemes PM4S for the Quarter ended – June 2017 38
21 Recovery under Bakijai Cases of Mizoram in the FY 2017-18 as on 30.06.2017 41
22 Analysis of Priority Sector Advances Under Agriculture of Mizoram in the FY 2017-
18 as on 30.06.2017 42
23 Details of Direct And Indirect Agriculture Loan of Mizoram in the FY 2017-18 as on
30.06.2017 43
24 Analysis of Priority Sector Advances Under CROPLOAN of Mizoram in the FY
2017-18 as on 30.06.2017 44
25 Analysis of Priority Sector Advances Under Industry of Mizoram in the FY 2017-18
as on 30.06.2017 45
26 Analysis of priority Sector Advances Under Services of Mizoram for the FY 2017-18
as on 30.06.2017 46
27 Details of Advances to Sensitive Sector of Mizoram in the FY 2017-18 as on
30.06.2017 … 47
28 Details of Advances to Other sensitive sector of Mizoram in the FY 2017-18 as on
30.06.2017 48
29 Details of Advances to Minority Community of Mizoram in the FY 2017-18 as on
30.06.2017 49
30 Details Of Special Scheme of Mizoram in the FY 2017-18 as on 30.06.2017 50
31 Financial Position Under TEA SECTOR of Mizoram in the Year 2017-18 and
Quarter 1 51
32 Education Loan Scheme of Mizoram in the FY FY 2017-18 as on 30.06.2017 52
33 Financial Position Under RURAL HOUSING of Mizoram in the Year 2017-18 and
Quarter 1 53
34 Financing Under SELF HELP GROUP of Mizoram in the FY 2017-18 as on 54
30.06.2017
35 Performance Position Under TRANSPORT OPERATOR Scheme in the Year FY 2017-18 as on 30.06.2017 55
36 Performance Position Under DIR Scheme in the FY 2017-18 as on 30.06.2017 56
37 Financing Under Joint Liability Group Scheme of Mizoram in the FY 2017-18 as on
30.06.2017 57
38 Performance Under PMEGP of Mizoram in the FY 2017-18 as on 30.06.2017 58
39 Recovery Position Under PMEGP of Mizoram in the FY 2017-18 as on 30.06.2017 59
40 Progress under Financial Inclusion:: Opening of No Frills A/C of Mizoram in the FY 2017-18 as on 30.06.2017 60
41 Segregation of Advances of Mizoram in the FY 2017-18 as on 30.06.2017 61
42 Performance Under NRLM of Mizoram in the FY 2017-18 62
43 Performance Under NULM of Mizoram in the FY 2017-18 63
44 MIS Report on MSE of Mizoram in the FY 2017-18 as on 30.06.2017 64
45 MIS Report on Education & Housing of Mizoram in the FY 2017-18 as on
30.06.2017 65
46 Financing Under Housing Scheme of Mizoram in the FY2017-2018 as on date 30-06-
2017 66
47 Position of Advances and Recovery Under DIR Scheme of Mizoram in the FY2017-
2018 as on date 30-06-2017 67
48 Recovery Position Under SGSY/NRLM in the FY2017-2018 as on date 30-06-2017 68
49 Recovery Position Under TRANSPORT OPERATOR Scheme in the FY2017-2018 as on date 30-06-2017 69
50 Minutes of SLBC March 2017 quarter 70
51 Attendance sheet of SLBC March 2017 quarter 78
Sl No. Bank Name RuralSemi
UrbanUrban
Total(R+S
U+U)BC
Other
Modes
ATM
No
Rural
ATM No
Semi-
Urban
ATM
No
Urban
Total
ATM
No
1 BOB 0 0 2 2 1 0 0 0 2 2
2 BOI 0 0 3 3 0 0 0 0 3 3
3 BOM 0 0 1 1 0 0 0 0 0 0
4 CAN 0 5 0 5 0 0 0 5 0 5
5 CBI 0 1 1 2 1 0 0 0 1 1
7 IDBI 0 3 2 5 1 0 0 3 2 5
8 IND 0 1 0 1 0 0 0 0 0 0
9 IOB 0 0 1 1 0 0 0 0 1 1
10 PNB 0 0 1 1 0 0 0 0 2 2
11 PSB 0 0 1 1 0 0 0 0 1 1
12 SBI 16 11 17 44 15 0 13 19 54 86
13 SYN 0 1 1 2 1 0 0 1 1 2
14 UBI 0 6 2 8 1 0 0 3 6 9
15 UCO 1 1 1 3 1 0 1 1 2 4
16 UNI 0 0 1 1 0 0 0 0 2 2
17 VJB 0 1 2 3 1 0 0 1 2 3
Public Total 17 30 36 83 22 0 14 33 79 126
1 HDFC 0 4 3 7 0 0 0 5 5 10
2 FED 0 0 1 1 0 0 0 0 2 2
3 INDUS 0 0 1 1 0 0 0 0 1 1
4 AXIS 0 1 2 3 1 0 1 1 4 6
5 YES 0 0 1 1 0 0 0 0 1 1
6 SIB 0 0 1 1 0 0 0 0 2 2
7 BANDHAN 0 1 1 2 0 0 0 1 1 2
Private Total 0 6 10 16 1 0 1 7 16 24
1 MZRB 50 15 19 84 19 0 0 0 0 0
RRB Total 50 15 19 84 19 0 0 0 0 0
1 MCAB 0 9 7 16 2 0 0 3 5 8
2 MUCO 0 0 1 1 0 0 0 0 0 0
Grand Total 67 60 73 200 44 0 15 43 100 158
Total 66 55 78 199 51 0 14 37 105 156
Details of Branch Network of Mizoram in the FY2017-2018 as on date 30-06-2017
Last Quarter
Annexure-II
District-wise (BANK-WISE)CD Ratio for the Financial year 2017-18 as on 30.06.2017
(Rs.in lacs)
Sl. No. District Brs. Name of Bank Deposit Advance CD Ratio
1 Aizawl 2 BOB 2511.00 608.00 24.21
2 3 BOI 2949.00 1472.00 49.92
3 1 BOM 440.83 437.95 99.35
4 1 CAN 941.05 2305.79 245.02
5 1 CBI 5843.89 1572.99 26.92
6 2 IDBI 12835.15 4674.00 36.42
7 1 IND 26.00 8.00 30.77
8 1 IOB 534.78 485.88 90.86
9 1 PNB 3514.96 4392.32 124.96
10 1 PSB 192.00 157.00 81.77
11 21 SBI 285600.00 73600.00 25.77
12 1 SYN 1752.68 881.05 50.27
13 3 UBI 10670.00 4511.00 42.28
14 2 UCO 16928.00 5306.00 31.34
15 1 UNI BANK 1375.07 492.17 35.79
16 3 VIJ BANK 23688.55 7592.10 32.05
17 2 AXIS BANK 22593.91 4844.38 21.44
18 1 BANDHAN 2536.23 581.00 22.91
19 1 FEDERAL 1880.30 168.07 8.94
20 3 HDFC 24599.28 5717.34 23.24
21 2 ICICI BANK 3236.08 106.51 3.29
22 1 INDUSIND 2200.00 7200.00 327.27
23 1 SIB 1400.31 181.43 12.96
24 1 YES BANK 3197.83 0.33 0.01
25 33 MzRB 113099.52 39010.20 34.49
26 7 MCAB 47675.61 30614.57 64.21
27 1 MUCO 5101.66 3304.24 64.77
1 NEDFI 0 2064.73 #DIV/0!
99 TOTAL 597323.69 202289.05 33.87
District-wise (BANK-WISE)CD Ratio for the Financial year 2017-18 as on 30.06.2017
Sl.No. DISTRICT No. of br Name of Bank Deposit Advance CD Ratio
1 Serchhip 3 SBI 7486.00 3085.00 41.21
2 1 MCAB 2250.92 970.25 43.10
3 10 MRB 10851.00 5614.00 51.74
4 1 UBI 78.00 124.00 158.97
15 TOTAL 20665.92 9793.25 47.39
Annexure-II (Cont.)
District-wise (BANK-WISE)CD Ratio for the Financial year 2017-18 as on 30.06.2017
Sl.No. DISTRICT No. of br Name of Bank Deposit Advance CD Ratio
1 Champai 5 SBI 13345.00 6991.00 52.39
2 1 MCAB 3488.35 2731.21 78.30
3 11 MRB 12211.00 7211.00 59.05
4 1 HDFC 1246.65 468.52 37.58
5 1 CAN 237.85 257.76 108.37
6 1 IDBI 816.00 308.00 37.75
7 1 UBI 91.00 13.00 14.29
21 TOTAL 31435.85 17980.49 57.20
District-wise (BANK-WISE)CD Ratio for the Financial year 2017-18 as on 30.06.2017
Sl.No. DISTRICT No. of br Name of Bank Deposit Advance CD Ratio
1 Mamit 3 SBI 6943.00 2660.00 38.31
2 1 MCAB 6519.98 2308.34 35.40
3 6 MRB 7653.00 3473.00 45.38
10 TOTAL 21115.98 8441.34 39.98
District-wise (BANK-WISE)CD Ratio for the Financial year 2017-18 as on 30.06.2017
Sl.No. DISTRICT No. of br Name of Bank Deposit Advance CD Ratio
1 Kolasib 4 SBI 10813.00 3692.00 34.14
2 1 MCAB 2639.43 1519.58 57.57
3 6 MRB 11652.00 5084.00 43.63
4 1 UCO 427.00 118.00 27.63
5 1 CAN 173.30 174.66 100.78
6 1 CBI 24.00 17.66 73.58
7 1 UBI 259.00 266.58 102.93
8 1 BB 876.29 892.10 101.80
16 TOTAL 26864.02 11764.58 43.79
District-wise (BANK-WISE)CD Ratio for the Financial year 2017-18 as on 30.06.2017
Sl.No. DISTRICT No. of br Name of Bank Deposit Advance CD Ratio
1 Lunglei 5 SBI 29834.00 14400.00 48.27
2 1 MCAB 6062.58 2922.19 48.20
3 9 MRB 24168.00 13673.00 56.57
4 1 HDFC 1201.55 368.96 30.71
5 1 AXIS 950.00 78.00 8.21
6 1 CAN 218.24 1507.19 690.61
7 1 IDBI 848.00 721.00 85.02
8 1 SYN 185.83 366.71 197.34
9 1 UBI 176.00 75.00 42.61
21 TOTAL 63644.20 34112.05 53.60
Annexure-II (Cont.)
District-wise (BANK-WISE)CD Ratio for the Financial year 2017-18 as on 30.06.2017
Sl.No. DISTRICT No. of br Name of Bank Deposit Advance CD Ratio
1 Lawngtlai 2 SBI 7735.00 7509.00 97.08
2 1 MCAB 2549.35 2158.13 84.65
3 6 MRB 9668.00 12107.00 125.23
4 1 HDFC 1201.55 649.65 54.07
5 1 CAN 155.51 139.88 89.95
6 1 UBI 76.00 74.00 97.37
12 TOTAL 21385.41 22637.66 105.86
District-wise (BANK-WISE)CD Ratio for the Financial year 2017-18 as on 30.06.2017
Sl.No. DISTRICT No. of br Name of Bank Deposit Advance CD Ratio
1 Siaha 1 SBI 5844.00 5663.00 96.90
2 1 HDFC 1282.86 589.78 45.97
3 1 IDBI 576.00 173.00 30.03
4 3 MRB 4818.00 8201.00 170.22
5 1 MCAB 3438.84 2667.22 77.56
7 TOTAL 15959.70 17294.00 108.36
SUMMARY OF DISTRICTWISE CD RATIO AS ON 30.06.2017
No. of br* DISTRICT Deposit Advance CD Ratio
98 Aizawl 597323.69 202289.05 33.87
15 Serchhip 20665.92 9793.25 47.39
21 Champhai 31435.85 17980.49 57.20
16 Mamit 21115.98 8441.34 39.98
10 Kolasib 26864.02 11764.58 43.79
21 Lunglei 63644.20 34112.05 53.60
12 Lawngtlai 21385.41 22637.66 105.86
7 Siaha 15959.70 17294.00 108.36
200 Total 798394.77 324312.42 40.62
798394.77 324312.42 40.62
*Nos. Of branches as on 30.06.2017
Grand Total
Annexure-IV
Sl No.Bank
Name
Agriculture
Term Loan No
Agriculture Term
Loan Amount
Crop loan
No
Crop loan
Amount
Total AGL
Loan No
Total AGL Loan
Amount
1 BOI 33 28.09 0 0 33 28.09
2 BOM 1 4.50 0 0 1 4.50
3 CAN 615 622.43 214 123.84 829 746.27
4 CBI 0 7.79 0 0 0 7.79
5 IDBI 274 172.4 883 545.50 1157 717.90
6 IND 0 0 0 0 0 0
7 IOB 1 0.50 1 0.30 2 0.80
8 PSB 0 0 0 0 0 0
9 SBI 222 297.00 8017 5024.08 8239 5321.08
10 UBI 96 454.00 139 202.00 235 656.00
11 UCO 842 948.00 205 82.00 1047 1030.00
12 UNI 19 15.00 9 2.00 28 17.00
13 VJB 56 22.89 0 0 56 22.89
Public Total 2159 2572.60 9468 5979.72 11627 8552.32
1 HDFC 21 20.68 3 88.43 24 109.11
2 FED 0 0 0 0 0 0
3 AXIS 53 105.72 0 0 53 105.72
4 YES 0 0 0 0 0 0
Private Total 74 126.4 3 88.43 77 214.83
1 MZRB 1365 1684.17 2726 1287.84 4091 2972.01
RRB Total 1365 1684.17 2726 1287.84 4091 2972.01
1 MCAB 2256 5929.36 943 9432.52 3199 15361.88
2 MUCO 74 76.46 0 0 74 76.46
Coop Total 2330 6005.82 943 9432.52 3273 15438.34
Grand Total 5928 10388.99 13140 16788.51 19068 27177.50
Total 8043 10469.51 11964 7025.48 20007 17494.99
Details of Agriculture Loan of Mizoram in the FY2017-2018 as on date 30-06-2017
(Rs In Lakhs)
Last Quarter Data
Annexure - VIII
MUDRA SCHEME PROGRESS OF MIZORAM IN THE FY 2017-18 AS ON DATE 30-06-2017
(New Accounts) (Rupees in Lakhs)
Sl No.BANK
NAME
SISHU
NO
SISHU
AMT
(SANCTI
ONED)
SISHU
AMT
(DISBU
RSED)
KISHO
RE NO
KISHORE
AMT
(SANCTI
ONED)
KISHORE
AMT
(DISBURS
ED)
TARUN
NO
TARUN
AMT
(SANCTI
ONED)
TARUN
AMT
(DISBUR
SED)
TOTAL
AC
TOTAL
AMT
(SANCTI
ONED)
TOTAL
AMT
(Disburs
ed)
1 CBI 1 0.48 0.48 3 8 8 0 0 0 4 8.48 8.48
2 BOI 2 1 1 11 32 32 2 14 14 15 47.00 47.00
3 CAN 172 82 75 47 73 61 5 35 33 224 190.00 169.00
4 SBI 62 29.6 29.6 42 100.4 100.4 23 138.52 138.52 127 268.52 268.52
Public Total 237 113.08 106.08 103 213.4 201.4 30 187.52 185.52 370 514.00 493.00
1 MZRB 76 35 34 73 163 143 0 0 0 149 198.00 177.00
RRB Total 76 35 34 73 163 143 0 0 0 149 198.00 177.00
Grand Total 313 148.08 140.08 176 376.4 344.4 30 187.52 185.52 519 712.00 670.00
An
ne
xu
re
- I
X
NO
S.
AM
T
NO
S.
AM
T
NO
S.
AM
T
NO
S.
AM
T
NO
S.
AM
T
NO
S.
AM
T
NO
S.
AM
T
1A
XIS
BA
NK
LT
D3
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
2B
AN
DH
AN
BA
NK
LT
D2
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
3B
AN
K O
F B
AR
OD
A2
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
4B
AN
K O
F I
ND
IA3
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
5B
AN
K O
F M
AH
AR
AS
HT
RA
10
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
0
6C
AN
AR
A B
AN
K5
00
.00
00
.00
00
.00
00
.00
12
0.0
01
20
.00
12
0.0
0
7C
EN
TR
AL B
AN
K O
F I
ND
IA2
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
8F
ED
ER
AL B
AN
K L
TD
.1
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
9H
DF
C B
AN
K L
TD
70
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
0
10
ICIC
I B
AN
K L
TD
.2
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
11
IDB
I B
AN
K5
00
.00
00
.00
00
.00
00
.00
12
5.0
01
25
.00
12
5.0
0
12
IND
IAN
BA
NK
10
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
0
13
IND
IAN
OV
ER
SE
AS
BA
NK
10
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
0
14
IND
US
IND
BA
NK
LT
D1
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
15
MC
AP
EX
BA
NK
LT
D1
40
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
0
16
MIZ
OR
AM
RU
RA
L B
AN
K8
40
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
0
17
MU
CO
BA
NK
LT
D1
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
18
PU
NJA
B N
AT
ION
AL B
AN
K1
12
5.0
00
0.0
00
0.0
00
0.0
01
15
.00
24
0.0
02
40
.00
19
PU
NJA
B &
SIN
D B
AN
K1
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
20
ST
AT
E B
AN
K O
F I
ND
IA4
40
0.0
00
0.0
00
0.0
01
14
.70
00
.00
11
4.7
00
0.0
0
21
SO
UT
H I
ND
IA B
AN
K L
TD
.1
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
22
SY
ND
ICA
TE
BA
NK
20
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
0
23
UC
O B
AN
K3
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
24
UN
ITE
D B
AN
K O
F I
ND
IA8
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
25
UN
ION
BA
NK
OF
IN
DIA
10
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
0
26
VIJ
AY
A B
AN
K3
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
00
.00
27
YE
S B
AN
K L
TD
10
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
00
0.0
0
TO
TA
L2
00
12
5.0
00
0.0
00
0.0
01
14
.70
36
0.0
05
99
.70
48
5.0
0
ST
TO
TA
LF
EM
ALE
15
. S
TA
ND
UP
IN
DIA
LO
AN
SA
NC
TIO
NE
D B
AN
K B
RA
NC
HE
S I
N M
IZO
RA
M F
Y 2
01
7-1
8 A
S O
N 3
0.0
6.2
01
7
BA
NK
BR
AN
CH
ES
IN
MIZ
OR
AM
AS
ON
30
/06
/20
17
SL.
NO
.
BA
NK
NO
. O
F
BR
S
GE
NE
RA
LM
INO
RIT
Y
OB
CS
C
Annexure - X
1 2 3 4 5 6 7 8 9 10 11 12
1 Mamit SBI 25 0 0 0 0 0
MRB 42 3 0 0 0 3
MCAB 12 0 0 0 0 0
2 Kolasib SBI 7 0 0 0 0 0
MRB 16 1 0 0 0 1
MCAB 7 0 0 0 0 0
3 Aizawl SBI 2 0 8 8 0 8
MRB 5 5 0 0 0 5
VIJ 5 0 0 0 0 0
IDBI 8 0 0 0 0 0
UBI 9 0 0 0 0 0
AXIS 10 0 4 0 0 0
SYN 9 0 3 2 0 0 5 0 5
CBI 5 0 0 0 0 0
BOB 5 0 0 0 0 0
PNB 0 0 0 0 0 0
HDFC 0 0 0 0 0 0
UCO 2 0 0 1 1 0 1
ICICI 0 0 0 0 0 0
CAN 9 0 0 0 0 0
BOI 0 0 0 0 0 0
YES 0 0 0 0 0 0
FED 6 0 0 0 0 0
INDUSIND 4 0 1 3 4 0 4
BOM 8 0 0 0 0 0
4 Champhai SBI 26 0 0 0 0 0
MRB 31 2 1 8 9 18 0 20
HDFC 7 0 0 0 0 0
MCAB 11 0 0 0 0 0
5 Serchhip SBI 5 1 0 0 0 1
MRB 25 1 0 0 0 1
MCAB 0 0 0 0 0 0
6 Lunglei SBI 43 0 1 1 0 1
MRB 62 2 0 6 12 18 0 20
HDFC 11 0 0 0 0 0
MCAB 38 0 0 0 0 0
7 Lawngtlai SBI 60 0 0 0 0 0
MRB 63 1 0 4 17 2 23 0 24
MCAB 32 0 0 0 0 0
8 Saiha SBI 11 0 0 0 0 0
MRB 21 1 0 3 8 11 0 12
HDFC 10 0 0 0 0 0
MCAB 10 0 0 0 0 0
TOTAL 662 17 18 24 49 2 93 0 110
Grand
Total =
5+10+11
16 .Roadmap for providing banking services in every village having population below 2000 -
Progress for the Quarter ended-June 2017
Name of State/UT: MIZORAM
Sl
No
Name of
District
Name of Sch.
Comm. Bank
selected for
allotment of
villages with <
2000 population
No. of
alloted
villages
Out of Roadmap prepared for less than 2000, No. of villages where banking outlet opened upto the end
of the reporting Quarter
Branches
BC
Fixed
Location
Visits
every
Week
Visits once
in a
fortnight
Visits more
than once in
a fortnight
BCs-Sub total
= 6+7+8+9 Other
modes
Annexure - XI
17. UNBANKED VILLAGES IN MIZORAM WITH POPULATION FROM 2000 TO 5000 AS ON 30.06.2017
SL NO DIST NAME OF VILLAGE POPULATION BANK/BRANCH ALLOTED TO
1 MAMIT KAWRTHAH 2812 MRB SBI
2 KAWRTETHAWVENG 2008 SBI
3 RAJIBNAGAR 3530 SBI
4 DAMPARENGPUI 2156 MRB
5 W.PHAILENG 4377 MRB MRB
6 SILSURI 3349 MRB
7 MARPARANORTH 2129 MRB
8 KOLASIB N.THINGDAWL 3111 MRB
9 HORTOKI 2544 MRB
10 SAIPHAI 2052 SBI
11 SAIPUM 2359 SBI
12 AIZAWL LOWER SAKAWRDAI 2505 VJB
13 RATU 2176 MRB UCO
14 KHAWRUHLIAN 2111 MRB UCO
15 PHUAIBUANG 2134 BOB
16 SESAWNG 2722 MRB SBI
17 SELLING 2289 SBI,MRB SBI
18 THINGSULTHLIAH 3402 MRB BOM
19 TLUNGVEL 2529 MRB INDUS
20 CHAMPAI NGOPA 4155 SBI,MRB MRB
21 KHAWLKULH 3094 MRB SBI
22 ZOKHAWTHAR 2632 SBI SBI
23 HNAHLAN 3157 MRB MCAB
24 VAPHAI 2252 HDFC
25 S.KHAWBUNG 2097 MRB MRB
26 FARKAWN 2700 MRB
27 SIALHAWK 2279 MRB MRB
28 SERCHHIP E.LUNGDAR 3022 MRB MRB
29 KHAWLAILUNG 2318 MRB MRB
30 BAKTAWNG 3220 MRB MRB
31 CHHINGCHHIP 3741 MRB SBI
32 KEITUM 2022 MRB
33 LUNGLEI MAR'S' 2511 SBI
34 TUICHAWNG 2464 MCAB
35 LUNGSEN 2344 MRB MRB
36 HAULAWNG 2227 MRB MCAB
37 PANGZAWL 2428 MRB SBI
38 CHERHLUN 2235 SBI
39 THINGSAI 2241 SBI
40 LAWNGTLAIKAMALNAGAR-II 2714 SBI SBI
41 KAMALNAGAR-III 2199 MRB SBI
42 S.BUNGTLANG 2186 MRB MRB
43 SANGAU 2590 MRB MRB
43 43 25
SBI 7 VJB 1 HDFC 1
MRB 7 BOB 1 MCAB 1
BANK BRANCH TO BE OPENED BY
17. UNBANKED VILLAGES IN MIZORAM WITH POPULATION FROM 2000 TO 5000 AS ON 30.06.2017
TOTAL
18
Annexure-XII
18. Social Security Schemes Status of Mizoram as on 30.06.2017
Scheme: Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
Rural Urban Total Rural Urban Total Rural Urban Total
1 Bandhan Bank 0 0 0 0 0 0 0 0 0 0
2 Bank of Baroda 0 49 49 0 66 66 0 0 0 115
3 Bank of India 0 235 235 0 295 295 0 0 0 530
4 Bank of Maharashtra 0 50 50 0 70 70 0 0 0 120
5 Canara Bank 0 242 242 0 291 291 0 0 0 533
6 Central Bank of India 0 121 121 0 134 134 0 0 0 255
7 Federal Bank 0 284 284 0 194 194 0 0 0 478
8 HDFC Bank 0 520 520 0 773 773 0 0 0 1293
9 IDBI Bank 0 101 101 0 114 114 0 0 0 215
10 Indian Bank 0 2 2 0 1 1 0 0 0 3
11 Indian Overseas bank 0 244 244 0 276 276 0 0 0 520
12 IndusInd Bank 0 5 5 0 4 4 0 0 0 9
13 MC Apex Bank 273 468 741 346 370 716 0 0 0 1457
14 Mizoram Rural Bank 6837 3372 10209 7837 3212 11049 0 0 0 21258
15 MUCO Bank 0 54 54 0 50 50 0 0 0 104
16 Punjab & Sind Bank 0 105 105 0 111 111 0 0 0 216
17 Punjab National Bank 0 32 32 0 22 22 0 0 0 54
18 State Bank of India 522 4350 4872 662 5276 5938 0 11 11 10821
19 Syndicate Bank 0 84 84 0 113 113 0 0 0 197
20 Union Bank of India 0 51 51 0 45 45 0 0 0 96
21 United Bank of India 0 214 214 0 263 263 0 0 0 477
22 Vijaya Bank 0 211 211 0 167 167 0 0 0 378
23 Yes Bank 0 0 0 0 0 0 0 0 0 0
24 Axis Bank* 0 0 0 0 0 0 0 0 0 0
25 ICICI Bank* 0 0 0 0 0 0 0 0 0 0
26 South Indian Bank* 0 0 0 0 0 0 0 0 0 0
27 TOTAL 7632 10794 18426 8845 11847 20692 0 11 11 39129
* = No report received
Male Grand
Total
TransgenderSl. No. Bank Name Female
Social Security Schemes Status of Mizoram as on 30.06.2017
Scheme: Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Rural Urban Total Rural Urban Total Rural Urban Total
1 Bandhan Bank 0 0 0 0 0 0 0 0 0 0
2 Bank of Baroda 0 80 80 0 92 92 0 0 0 172
3 Bank of India 0 201 201 0 270 270 0 0 0 471
4 Bank of Maharashtra 0 71 71 0 93 93 0 0 0 164
5 Canara Bank 0 614 614 0 713 713 0 0 0 1327
6 Central Bank of India 0 149 149 0 177 177 0 0 0 326
7 Federal Bank 0 319 319 0 398 398 0 0 0 717
8 HDFC Bank 0 4054 4054 0 1916 1916 0 0 0 5970
9 IDBI Bank 0 128 128 0 157 157 0 0 0 285
10 Indian Bank 0 2 2 0 1 1 0 0 0 3
11 Indian Overseas Bank 0 305 305 0 489 489 0 0 0 794
12 IndusInd Bank 0 31 31 0 34 34 0 0 0 65
13 MC Apex Bank 348 688 1036 466 596 1062 0 0 0 2098
14 Mizoram Rural Bank 11644 4658 16302 15029 4469 19498 0 0 0 35800
15 Punjab & Sind Bank 0 221 221 0 212 212 0 0 0 433
16 Punjab National Bank 0 128 128 0 116 116 0 0 0 244
17 State Bank of India 527 7083 7610 823 9191 10014 3 40 43 17667
18 Syndicate Bank 0 240 240 0 335 335 0 0 0 575
19 Union Bank of India 0 59 59 0 52 52 0 0 0 111
20 United Bank of India 0 360 360 0 357 357 0 0 0 717
21 Vijaya Bank 0 933 933 0 488 488 0 0 0 1421
22 Yes Bank 0 0 0 0 0 0 0 0 0 0
23 Axis Bank* 0 0 0 0 0 0 0 0 0 0
24 ICICI Bank* 0 0 0 0 0 0 0 0 0 0
25 South Indian Bank* 0 0 0 0 0 0 0 0 0 0
26 TOTAL 12519 20324 32843 16318 20156 36474 3 40 43 69360
* = No report received
Sl. No. Bank Name Female Transgender Grand
Total
Male
Social Security Schemes Status of Mizoram as on 30.06.2017
Scheme: Atal Pension Yojana (APY)
Rural Urban Total Rural Urban Total Rural Urban Total
1 Bandhan Bank 0 0 0 0 0 0 0 0 0 0
2 Bank of Baroda 0 29 29 0 38 38 0 0 0 67
3 Bank of India 0 28 28 0 29 29 0 0 0 57
4 Bank of Maharashtra 0 5 5 0 7 7 0 0 0 12
5 Canara Bank 0 17 17 0 31 31 0 0 0 48
6 Central Bank of India 0 12 12 0 22 22 0 0 0 34
7 Federal Bank 0 64 64 0 113 113 0 0 0 177
8 HDFC Bank 0 70 70 0 92 92 0 0 0 162
9 IDBI Bank 0 11 11 0 7 7 0 0 0 18
10 Indian Bank 0 3 3 0 1 1 0 0 0 4
11 Indian Overseas Bank 0 4 4 0 7 7 0 0 0 11
12 IndusInd Bank 0 0 0 0 0 0 0 0 0 0
13 MC Apex Bank 0 0 0 0 0 0 0 0 0 0
14 Mizoram Rural Bank 217 75 292 206 90 296 0 0 0 588
15 Punjab & Sind Bank 0 20 20 0 19 19 0 0 0 39
16 Punjab National Bank 0 13 13 0 7 7 0 0 0 20
17 State Bank of India 32 37 69 33 124 157 0 0 0 226
18 Syndicate Bank 0 11 11 0 15 15 0 0 0 26
19 Union Bank of India 0 10 10 0 5 5 0 0 0 15
20 United Bank of India 0 36 36 0 141 141 0 0 0 177
21 Vijaya Bank 0 26 26 0 15 15 0 0 0 41
22 Yes Bank 0 0 0 0 0 0 0 0 0 0
23 Axis Bank* 0 0 0 0 0 0 0 0 0 0
24 ICICI Bank* 0 0 0 0 0 0 0 0 0 0
25 South Indian Bank* 0 0 0 0 0 0 0 0 0 0
TOTAL 249 471 720 239 763 1002 0 0 0 1722
* = No report received
Sl. No. Bank Name Female Grand
Total
Male Transgender
Sl No. Bank NameNo. of
A/CTotal O/S
Demand
Raised
Recovery
Amount%
Overdue
s
Amount
Overd
ues %
GrossNP
A
Amount
Gross
NPA %
1 BOB 0 52.0 6.66 4.45 67 2.21 33 3.69 7
2 BOI 0 0 0 0 0 0
3 BOM 1 4.4 0 0 0 0 0
4 CAN 827 544.98 109.62 6.67 6 102.95 94 131.78 24
5 CBI 381 282.66 32.58 22.35 69 10.23 31 25.64 9
6 IDBI 1157 7179.00 0 0 0 0 0
7 IND 0 0 0 0 0 0
8 IOB 5 1.73 0 0 0 0 0
9 PNB 2 6.91 0.67 0 0 0.67 100 4.99 72
10 PSB 0 0 0 0 0 0
11 SBI 8239 5321.07 1330.27 398 30 932.27 70 932.27 18
12 SYN 28 36.89 0 0 0 16.52 45
13 UBI 376 923.4 312 23 7 289 93 211 23
14 UCO 1048 1030.00 131 1.55 1 129.45 99 75 7
15 UNI 28 28.00 0 0 0 0 0
16 VJB 56 228.93 5.23 2.12 41 3.11 59 60.75 27
Public Total 12148 15639.97 1928.03 458.14 24 1469.89 76 1461.64 9
1 HDFC 24 109.11 11.45 10.21 89 1.24 11 0 0
2 FED 1 0.83 0 0 0 0 0
3 ICICI 1 0.75 0.75 0 0 0.75 100 0.75 100
4 AXIS 53 105.72 0 0 0 0 0
5 YES 0 0 0 0 0 0
6 BANDHAN 1876 488.56 0 0 0 0 0
Private Total 1955 704.97 12.2 10.21 84 1.99 16 0.75 0
1 MZRB 20194 13361.77 1856.76 1215.28 65 641.48 35 1705.88 13
RRB Total 20194 13361.77 1856.76 1215.28 65 641.48 35 1705.88 13
1 MCAB 3199 15361.88 1456.38 935.41 64 520.97 36 871.23 6
2 MUCO 74 75.46 31.31 1.14 4 30.17 96 50.48 67
All Banks Total 37570 45144.05 5284.68 2620.18 50 2664.50 50 4089.98 9
Grand Total 37570 45144.05 5284.68 2620.18 50 2664.50 50 4089.98 9
Total 20533 24362.59 2403.77 913.87 38 1489.90 62 2146.81 9
Analysis of Priority Sector Advances Under AGRICULTURE of Mizoram in the FY2017-2018 as on
date 30-06-2017
(Rs In Lakhs)
Last Quarter Data
Sl No.Bank
Name
No. of
A/CTotal O/S
Demand
Raised
Recovery
Amount%
Overdue
s
Amount
Overd
ues %
GrossNPA
Amount
Gross
NPA %
1 BOB 0 21.00 2.58 1.77 69 0.81 31 1.93 9
2 BOI 0 0 0 0 0 0
3 CAN 214 123.84 58.37 1.76 3 56.61 97 70.02 57
4 IDBI 883 545.50 0 0 0 0 0
5 IND 0 0 0 0 0 0
6 IOB 2 0.30 0 0 0 0.30 100
7 PNB 0 0 0 0 0 0
8 PSB 0 0 0 0 0 0
9 SBI 7953 2020.45 262.0 84.00 32 178.00 68 745.60 37
10 SYN 1 0.35 0 0 0 0 0
11 UBI 154 201.00 54.00 9.63 18 44.37 82 43.00 21
12 UCO 186 75.00 9 6 67 3.00 33 7.00 9
13 UNI 9 2.00 0 0 0 0 0
14 VJB 0 0 0 0 0 0
Public Total 9402 2989.44 385.95 103.16 27 282.79 73 867.85 29
1 HDFC 184 3244.97 69.32 67.59 98 1.73 2 219.81 7
2 ICICI 0 0 0 0 0 0
3 AXIS 0 0 0 0 0 0
Private Total 184 3244.97 69.32 67.59 98 1.73 2 219.81 7
1 MZRB 2726 1287.84 667.42 402.21 60 265.21 40 103.43 8
RRB Total 2726 1287.84 667.42 402.21 60 265.21 40 103.43 8
1 MCAB 943 9432.52 543.98 191.75 35 352.23 65 342.13 4
2 MUCO 0 0 0 0 0 0
Grand Total 13255 16954.77 1666.67 764.71 46 901.96 54 1533.22 9
Total 14774 14923.34 2690.54 1571.23 58 1119.31 42 494.61 3
Analysis of Priority Sector Advances Under CROPLOAN of Mizoram in the FY2017-2018 as on
date 30-06-2017
(Rs In Lakhs)
Last Quarter Data
Sl No. Bank NameNo. of
A/CTotal O/S
Demand
Raised
Recovery
Amount%
Over dues
Amount
Over
dues
%
Gross
NPA
Amount
Gross
NPA
%
1 BOB 0 224.00 30.24 18.51 61 11.73 39 20.61 9
2 BOI 0 0 0 0 0 0
3 BOM 34 35.81 11.91 0 0 11.91 100 10.21 29
4 CAN 530 1787.31 504.28 10.71 2 493.57 98 601.59 34
5 CBI 63 143.97 19.70 12.04 61 7.66 39 13.18 9
6 IDBI 57 304.20 0 0 0 0 0
7 IND 0 0 0 0 0 0
8 IOB 110 283.28 0.77 0 0 0.77 100 5.71 2
9 PSB 37 65.21 11.00 11.00 100 0 0 26.66 41
10 SBI 683 2467.81 863.73 199.50 23 664.23 77 664.23 27
11 SYN 138 239.43 0 0 0 139.24 58
12 UBI 466 1828.41 216.20 112.00 52 104.20 48 174.34 10
13 UNI 0 0 0 0 0 0
14 VJB 8 401.22 8.25 2.56 31 5.69 69 3.67 1
Public Total 2126 7780.65 1666.08 366.32 22 1299.76 78 1659.44 21
1 ICICI 6 6.45 0.87 0.53 61 0.34 39 0.59 9
2 AXIS 16 830.42 0 0 0 1.34 0
3 BANDHAN 2306 825.13 0 0 0 0 0
Private Total 2328 1662.00 0.87 0.53 61 0.34 39 1.93 0
1 MZRB 19443 22891.53 8469.38 7585.58 90 883.80 10 2712.22 12
RRB Total 19443 22891.53 8469.38 7585.58 90 883.80 10 2712.22 12
1 MCAB 1399 2661.49 898.93 511.12 57 387.81 43 312.24 12
2 MUCO 24 83.49 26.93 5.69 21 21.24 79 49.06 59
All Banks Total 25320 35079.16 11062.19 8469.24 77 2592.95 23 4734.89 13
1 NEDFI 39 657.71 0 0 0 0 0
Grand Total 25359 35736.87 11062.19 8469.24 77 2592.95 23 4734.89 13
Total 4963 11795.75 1981.14 1333.17 67 647.97 33 2526.8 21
Analysis of Priority Sector Advances Under INDUSTRY of Mizoram in the FY2017-2018 as on date
30-06-2017
(Rs In Lakhs)
Last Quarter Data
2661.49
83.49
2744.98
Sl No. Bank NameNo. of
A/CTotal O/S
Demand
Raised
Recovery
Amount%
Over-
dues
Amount
Overd
ues %
GrossNP
A
Amount
Gross
NPA
%
1 BOB 0 211.00 35.66 26.10 73 9.56 27 18.78 9
2 BOI 0 0 0 0 0 0
3 BOM 98 377.24 49.00 0 0 49.00 100 166.11 44
4 CAN 92 762.65 4.39 0.85 19 3.54 81 27.05 4
5 CBI 140 479.97 81.55 59.74 73 21.81 27 42.74 9
6 IDBI 129 1711.4 0 0 0 0 0
7 IND 0 0 0 0 0 0
8 PNB 9 98.62 0 0 0 0 0
9 PSB 9 71.94 6 6 100 0 0 30.58 43
10 SBI 8288 46529.99 8300.00 3031.06 37 5268.94 63 5268.94 11
11 SYN 52 220 0 0 0 27.00 12
12 UBI 126 1298.49 123.00 98.00 80 25.00 20 113.34 9
13 UCO 787 3185.00 538.00 394.00 73 144.00 27 284.00 9
14 UNI 11 73.00 0 0 0 0 0
15 VJB 138 3112.36 52.64 20.58 39 32.06 61 534.71 17
Public Total 9879 58131.66 9190.24 3636.33 40 5553.91 60 6513.25 11
1 HDFC 6 3.39 0.11 0.11 100 0 0 0 0
2 ICICI 5 9.83 1.66 1.22 73 0.44 27 0.88 9
3 AXIS 9 3.3 0 0 0 1.42 43
4 SIB 17 67.57 0 0 0 0 0
5 BANDHAN 20 3.92 0 0 0 0 0
Private Total 57 88.01 1.77 1.33 75 0.44 25 2.3 3
1 MZRB 7056 37478.66 6855.40 5342.05 78 1513.35 22 935.74 2
RRB Total 7056 37478.66 6855.40 5342.05 78 1513.35 22 935.74 2
1 MCAB 3994 17126.92 9891.35 6211.98 63 3679.37 37 863.21 5
2 MUCO 397 1747.93 360 47.81 13 312.19 87 619.86 35
Grand Total 21383 114573.18 26298.76 15239.50 58 11059.26 42 8934.36 8
Total 16146 70314.22 28454.72 22810.99 80 5643.73 20 3351.15 5
Analysis of Priority Sector Advances Under SERVICES of Mizoram in the FY2017-2018 as on date
30-06-2017
(Rs In Lakhs)
Last Quarter Data
17126.92
1747.93
18874.85
MINUTES OF THE SLBC MEETING AT AIZAWL ON 29/06/2017 Page 1
Minutes of the State Level Bankers’ Committee (SLBC) Meeting of Mizoram For the quarter ended March 2017
The SLBC meeting of Mizoram for the quarter ended March, 2017 was held at the Conference Hall, New Secretariat, Aizawl on 29.06.2017 at 12:00 noon under the Chairmanship of Shri. Lalmalsawma, IAS, Chief Secretary, Govt. of Mizoram. Shri Dibyendu Chaudhuri, Regional Manager, SBI and Convener SLBC welcomed the Chairman and other senior government officials. He also welcomed the new GM NABARD, Shri R.K. Srivastava who was representing NABARD in SLBC for the first time, AGM from RBI, all Banker participants in the meeting. He thanked the chairman for allowing holding of the meeting in spite of his busy schedule and that too on the last available day. He also mentioned about non-receipt of SLBC data in time from some of the member banks. He said that the meeting will try to focus on the pertinent points and be brief to avoid the stress of avoidable lingering discussions. After that he requested the Chief Secretary for his opening remarks. The Chief Secretary thanked the SLBC Convener and told the house that the meeting is for the quarter ending March 2017 and has been convened rather late. He welcomed the participants on behalf of the Government of Mizoram as well as on his own behalf. He told that we have been discussing several issues in this forum one of which is the CD ratio. He shared with the house about the Chief Minister’s address of the Mizoram Cooperative Apex Bank’s 24th Conference held the day before in which he raised similar concern and he expressed his desire that all the banks are maintaining a favorable CD ratio. He also read out a letter from the Finance Minister, Pu Lalsawta, who wanted to share with the meeting on ‘Loan to Farmers/Entrepreneurs under national Livelihood Mission scheme’. The Finance Minister wanted the meeting to discuss matters of non-sanctioning of loans by banks under the schemes. The Chairman requested all bankers present to take note of the matter and sincerely try to improve the situation at their respective banks as far as possible. Thereafter, Shri Dibyendu Chaudhuri, Regional Manager, SBI and Convener SLBC thanked the chairman for his opening remarks then proceeded with the agenda items. Agenda – 1: Adoption of minutes of the last meeting:
The Convener SLBC informed the house that the minutes of State Level Bankers' Committee meeting for the quarter ended December 2016 held on 23/03/2017 was circulated to all members. Since no request for amendment of the minutes was received, the house adopted the minutes. Agenda-2: Review of GOI instructions regarding financial inclusion: Promotion of Digital Payments / Organising of DigidhanMela etc.
The meeting was appraised on the observance of a function to mark the culmination of
Digidhan mela which was organized at the I&PR Auditorium, Aizawl on 21.04.2017 where all banks operating in Mizoram (Aizawl) participated. The house was also told about Celebration of Financial Literacy Week was observed in the state from 5th june, 2017 to 9th June, 2017. While discussing the Celebration of Financial Literacy Week the DGM, NABARD told the house that rural branches now can avail the reimbursement facility offered by NABARD to purchase hand-hold projector for use at FLCS and asked banks to utilize the facility.
Action: MCAB/MRB & SBI
MINUTES OF THE SLBC MEETING AT AIZAWL ON 29/06/2017 Page 2
Agenda-3: Follow up action on the decision of SLBC meeting:
a) Credit achievement of Government Sponsored Schemes under NRLM FY 2016-17:
The achievement on credit under NRLM is very low. The NERLP representative told that many loan applications are pending mostly with MRB branches. Most of the SHGs under NRLM maintained their bank account mainly with the MRB, HDFC & SBI. The house requested these three banks to sanction loans under these schemes to achieve the target during this year. Meanwhile, the NERLP was requested to provide the list of branches where loan applications are pending with list of SHGs (applicants) to MRB (HO).
Action: NERLP, HDFC, MRB, SBI
The NERLP representative told that Branch Managers at rural centers do not know the RBI
instructions on NRLM. Meanwhile, the representative from MzSRLM also told that bank managers at rural areas do not know the categorization of districts which led to problems with reimbursement of interest subvention. The RBI instruction has clearly mentioned which district is under category-I and category-II. The Commercial Banks and Cooperative Banks will lend to all the women SHGs in Rural areas at the rate of 7% and additional subvention claims of 3% in the 250 districts which includes Aizawl, Serchhip and Lunglei districts in Mizoram. For the purpose of Interest Subvention of additional 3% on prompt repayment, a SHG account will be considered prompt payee if it satisfies the criteria specified by Reserve Bank of India (RBI). For category II districts, comprising of districts other than the above 250 districts, all women S.H.Gs under DAY- NRLM will be eligible for interest subvention to avail the loan facility at an interest rate of 7%. He requested the controlling offices of banks to provide the RBI instructions to their branch managers at rural centers in this regard. Meanwhile, the NERLP was requested to provide the list of branches where loan applications are pending with list of SHGs (applicants) to MRB (HO).
Considering the low level of awareness among the branch managers at rural centers the
house decided that ‘One day training on NRLM’ should be conducted for bankers at Aizawl to coincide with the next SLBC meeting for sensitizing the scheme to the branch managers and NABARD is has been entrusted to convene training.
It was also decided to conduct a ‘District level workshop for Bank Managers on NRLM
schemes’ in each districts of the state with MzSRLM as the convener.
Action: NABARD, MzSRLM, NERLP, HDFC, MRB, SBI & MCAB,
b) Credit achievement of Government Sponsored Schemes under PMEGP: The achievement as on date as reported by State KVIC office is 488 loans with margin
money of Rs.488.42 lakhs only out of the annual target is 655 and Rs.1310.74 lakhs which is 74.50% and 37.26% respectively. Pu C. Lalbiakthanga, Addl. Director of Industries told the house that achievement was too low whereas the achievement last year was more than 100%. He also brought it to the notice of the house that some private banks did not sanction any loan during the year under review.
Representatives of these banks who are present in the meeting told that they will sanction
the loan during the current year (2017-18) and clear the back log.
Action: ICICI Bank, HDFC Bank, Federal Bank, IndusInd Bank, Yes Bank and South Indian Bank.
MINUTES OF THE SLBC MEETING AT AIZAWL ON 29/06/2017 Page 3
c. Credit target and achievement under NULM for 2016-17:
The achievement under Self Employment Program (SEP) for the FY 2016-17 as reported by the bank is 289 units amounting to Rs. 490.11 lakhs out of the target of 200 units and with an amount Rs.2000.00 lakhs. Since the achievement is very low and some banks have not sanctioned any loan the house requested banks to finance all eligible applications under NULM sourced by MzSULM in the current Financial Year.
Action: All Banks d) Requests for opening of branch at other centers:
The present position of applications for opening of bank branch at the following villages is as under: (i) Bukpui village, Kolasib District (Population - 996) (ii) Tuipuibari village, Mamit District (Population -1159) (iii) Sakawrdai village, Aizawl district (Population - 2505)
The MRB told having done survey of the villages and will open the Branch at Sakawrdai and Tuipuibari villages within this financial year. They also told to find ways for appointment of BC for Bukpui villages.
Action: MRB (iv) N. Kanghmun village, Mamit district (Population -858)
The MCAB told that they will consider appointment of BC/CSP instead of brick and mortar branch.
Action: MCAB
(v) Kawrtethawveng village, Mamit district (Population - 2008) (vi) Rajivnagar village, Mamit district(Population - 3530) (vii) West Phaileng village, Mamit district (Population - 4377) (viii) Longpuighat village,(Lawngtlai district Population - 945)
SBI having undertaken necessary survey of these villages and told that it may consider appointment of BC/CSP for Kawrtethawveng & Longpuighat villages as the population is very less. In the case of Rajivnagar village, the SBI representative told that the village is more or less a part of Tuipuibari village and since MRB is planning to open a branch at Tuipuibari village it will not be viable to open two branches in such adjoining villages. They also told that MRB branch is already functioning at West Phaileng village and there is no justification for opening of another bank branch.
Action: SBI
ATM at Darlawn village: The Regional Manager of SBI reported to the house that ATM has been installed at Darlawn village and inaugurated on 14th May, 2017 which is a significant development for the area. Agenda – 4: CD Ratio:
The CD ratio of the state as on 31.03.2017 stood at 39.88% which indicates a slight decrease of 1.73% over that of % 41.61% in the last quarter. The CD ratio for March 2017 quarter is given below:
MINUTES OF THE SLBC MEETING AT AIZAWL ON 29/06/2017 Page 4
(Rs.in lakh) Financial year 2016-17 Deposit Advance CD Ratio March 2017 790243.93 315112.61 39.88% December 2016 727915.18 302890.26 41.61% September 2016 727288.17 289567.16 39.81% June 2016 649470.92 285407.75 43.94% Financial year 2015-16 March 2016 642318.55 283861.04 44.19%
The CD ratio of banks like Yes bank, ICICI Bank, Federal Bank, South Indian Bank and Axis
Bank were less than 20%. As there have been no improvement in the CD ratio the house decided that the SLBC should write to controllers of these banks to extend loans to more people of the state. The South Indian bank told that their CD ratio will increase substantially during the current year as they are going to finance building projects. All the low CD ratio banks mentioned above individually told the house that they will have CD ratio above 20% by the end of September, 2017.
Action: Yes bank, ICICI Bank, Federal Bank, South Indian Bank and Axis Bank Priority Sector Advances:
The total lending under Priority Sector (PS) advances at the end of the quarter were Rs.181,406.30 lakhs out of the total advances of Rs. 315,112.61 lakhs. The percentage of PS advance is 57.56 as against the benchmark of 40%. Agenda – 5: Agricultural Advances:
Agriculture advances at the end of March 2017 was Rs.17,494.99 lakhs out of a total advance of Rs.315,112.61 lakhs which is 5.55% whereas the benchmark is 18%. The house requested bankers to extend more loans under agriculture during the FY 2017-18 to achieve the stipulated bench mark.
Action: All Banks
It was decided to constitute a Sub-Committee of SLBC for improvement of agriculture advance with NABARD as the convener. Members for the said sub-committee will be from NABARD, Agriculture Department, Horticulture Department, Fisheries Department, Revenue Department, MRB, MCAB, SBI and HDFC Bank.
Action: NABARD
Agenda – 6: Review of Performance under of Annual Credit Plan (ACP)
The overall achievement of ACP as on 31.03.2017 is 114.98% which is 2.43 less than last year on YOY basis. The Percentage of achievement under Priority Sector is 110.26% whereas under Non-Priority Sector the achievement is 124.05%. Agenda - 7: Review of progress in financing MSME sector: The overall growth under MSME sector was reported as on 31.03.2017 is Rs.115.14 crores over December, 2016 and Rs.109.88 crores over March, 2016. Agenda -8: Review of performance under MUDRA (PMMY) Loan:
As many as 6929 PMMY loans amounting to Rss.94.57 crores were sanctioned during the year under the scheme.
MINUTES OF THE SLBC MEETING AT AIZAWL ON 29/06/2017 Page 5
Agenda 9: Review of loan sanctioned under Stand Up India (SUI) scheme:
As many as 53 loans amounting to Rs.10.98 crores were sanctioned during the year under the scheme. Meanwhile the loan sanctioned to SC/ST sub-head with 4 loans was not understood as there was SC and ST sub-heads separately with more number of achievements. The Assistant Manager, SIDBI was told the house that she will look into the matter and clarify.
Action: SIDBI
Agenda -10: Security related issues on banking:
The representative of DGP, Mizoram told that there is no issue relating to security on banking services. He however told non-receipt of reimbursement of the cost of security guards provided to currency chest branches particularly from SBI. He said that Mizoram being a peaceful state has been punished by way of non-payment of reimbursement of security guards. He asked the SBI to pay for the same as early as possible. The Regional Manager, SBI in-turn requested the police authorities to provide all pending bills relating to treasury remittances to them so that the matter may be acted upon.
Action: SBI & Police Department The representative of DGP, Mizoram also told that CCTVs at ATM booths were not working
properly and request bankers to rectify the problems to enable easy identification of miscreants who stole money through the ATMs.
Action: All Banks having ATM in the state
Agenda – 11: Progress Roadmap for providing banking services in every village having population below 2000-
The house was told that out of 662 villages with less than 2000 population as per PMJDY SSA allotment (August 2014), banking services have been provided to 110 villages like branches, fixed located and periodically visited. The house request banks to give more incentives to BCs to them a boost. The RBI representative told the house that last time the number of covered villages was shown as 293 and now the reduced figure is quite difficult to reconcile with. She said that once the number of covered villages has been reported it should not be reduced later. If there are non-functioning BCs, that is the banks’ job to activate them. The house decided to maintain the data reported earlier. Banks are, therefore, requested to provide the correct data while uploading the SLBC data.
Action: All Banks
The house was told that there are 18 villages having above 2000 population where bank branch is yet to be opened (i.e. SBI=7, MRB=7, VJB=1, BOB=1, HDFC=1, & MCAB=1). The concerned banks are requested to expedite opening of branches in these villages.
Action: SBI, MRB, VJB, BOB, HDFC & MCAB.
Agenda – 12: Financial Literacy Campaign/Financial Literacy Centres Report
The house was told that out of 67 rural branches of banks only 21 branches have conducted 21 Financial Literacy Camps during the quarter. Besides the above as many as 8 Special Financial Literacy Camps/Town Hall Meetings were conducted by Financial Literacy Centers (FLCs) by LDMs. As per the instructions all rural branches of banks and LDMs should conduct at least one FLC every month. The RD Department representative told that they are conducting FLC and request the SLBC to provide a Resource Person. The Chief Manager, Lead Bank, Aizawl told that he had already given his name for inclusion as Resource Person.
Action: Banks, LDMs & Secretary, RD Department
MINUTES OF THE SLBC MEETING AT AIZAWL ON 29/06/2017 Page 6
Agenda–13: Credit Linkage to Housing for all –
(a) Pradhan Mantri Awas Yojana- Gramin (PMAY-G):
The RD Department told the house that as many as 1720 applications had been sent to respective banks on 18/02/2017 and sending of more loan applications is unlikely. Moreover, he said not received fund for the FY 2017-18 from the Ministry of RD as yet on date. The house requested banks to sanction housing loans to the beneficiaries identified by the department.
Action: All Banks
(b) Pradhan Mantri Awas Yojana (PMAY-Urban) The Credit Link Subsidy scheme (CLSS) under Pradhan Mantri Awas Yojana (Urban) is to be implemented from this year. The representative from UD & PA Department told the house that out of the target of 1000 dwelling units for 2016-17 only 169 units have been financed so far and the remaining are to be carried forward in the FY 2017-18. Besides this, the target for FY 20117-18 has been fixed at 2000 dwelling units including the brought forwarded from last FY. He also said that a new guideline for MIG category has been launched for the beneficiaries having an income up to 18.00 lakhs and the target allotted to the state under this is 800 dwelling units and seek approval of the house. After deliberation on the subject the house approved the target both under EWS/LIG and MIG for the FY 2017-18. Banks are requested to sanction loans as per the scheme. He also said that a separate committee is required to pursue the implementation of requested for formation of ‘Sub-Committee for schemes under UD & PA Department’. The house approved the request and decided to constitute a ‘Sub-Committee with UD&PA Department as convener and banks as members.
Action: UD&PA Department / Banks
Agenda–14: Social Security Schemes
The participants told that the position of subscribers of Social security Schemes under PMJDY i.e. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY) is very with low compare to the number of savings bank account holders in the state. The house request banks to step up efforts to market the schemes to increase coverage. The Chief Manager (Lead Bank) Aizawl told the house that they are going to organize special campaign for enrolment to APY scheme from the muster roll staff of some big departments under the state government.
The Chief Manager (Lead Bank) at Champhai and Aizawl told the house that the Social Security Schemes are always included in the topic of discussion at all FLCs and will continue to do so.
Action: Banks / LDMs Agenda – 15: RSETI
There is a only one RSETI in Mizoram at IGC, Luangmual. The Director, SBI-RSETI Aizawl told the house that the SBI LHO had already advised the project architect to submit the detailed estimate for the project. After receiving the detailed estimate it will be vetted by bank’s engineer and after that it will be forwarded to Lead Bank Department, LHO, Guwahati for necessary approval from the competent authority. The house requested the Director of RSETI to closely follow up the matter. Meanwhile the Director of RSETI told the house that credit linkage is very low i.e. 28% only whereas the national percentage is 54. He requested all banks to sanction PMMY loan applications sourced by the RSETI.
Action: RSETI
MINUTES OF THE SLBC MEETING AT AIZAWL ON 29/06/2017 Page 7
The Director of RSETI also told the house that proposal for purchase of equipments had been submitted to SBI, RBO, Aizawl and are waiting for sanction. The cost of these items will be reimbursed by NABARD in due course for which NABARD had already given its approval.
Action: SBI(RBO)/NABARD/RSETI
Reimbursement of training cost:
Regarding claim for reimbursement of training cost, the representative of MzSRLM told the
house having received a claim of Rs.25.77 lakhs relating to the period from 2011-2017 for training conducted by RSETI. After scrutiny the claim amount was reduced to Rs.16.56 lakhs as the actual eligible for reimbursement. The reason for reduction of the amount is due to training of people other than from BPL family and also training given to candidates from non-rural centers. He also told the house that they will put up the claim for obtaining administrative approval and thereafter reimburse to the RSETI.
Action: MzSRLM / RSETI
Agenda – 16: Aadhaar and Mobile number Seeding etc drive on campaign mode:
The house was told that a special drive is observed by banks throughout the state with a view to enable account holders for digital payments, for seeding of Aadhaar and mobile number in all operative, individual savings bank accounts on voluntary basis. The state rank at No. 12 on mobile seeding with 86.60% while in aadhaar seeding our position is 29 with 60.30% as on 26.05.2017. The house requested Banks to continue the campaign until all Aadhaar card holders completed seeding into their Savings Bank accounts.
Action: All Banks
Agenda – 17: Recovery under Bakijai cases
The house was told that there are as many as 8 cases amounting to Rs.4.77 Lakhs were settled under Bakijai cases during the quarter and there are 1514 pending cases at the end of the quarter. The house requested banks to utilize Bakijai scheme for recovery of loan in a more beneficial way.
Action: All Banks
Agenda – 18: Annual Credit Target for finance to Self Help Groups (SEP) etc.
a) Under MzSRLM for FY 2017-18:
The draft district-wise target for financing 725 SHG under MzSRLM amounting to Rs.750.00 lakhs for Serchhip, Kolasib, Champhai, Lawngtlai, Saiha and Mamit districts was approved after discussion. The house request all banks to achieve the target for the year.
(Details of Bank-wise and Branch-wise target to be made at respective district level DCC Meetings)
Action: Canara Bank/CBI/MCAB/MRB/SBI/UBI
MINUTES OF THE SLBC MEETING AT AIZAWL ON 29/06/2017 Page 8
b) Under NERLP for FY 2017-18
The draft district-wise target for financing 1000 SHG under NERLP amounting to Rs.1000.00 lakhs for Aizawl District and Lunglei districts was approved after discussion in spite of some reservation from the MRB. The house requests all banks to achieve the target for the year.
(Details of Bank-wise and Branch-wise target to be made at respective district level DCC Meetings)
Action: MCAB/MRB/SBI/HDFC Bank
Agenda – 19: Target for Finance under PMEGP scheme for FY 2017-18: The draft district-wise target under PMEGP with Margin Money amounting to Rs.1245.66 lakhs was approved after discussion. The house request all banks to achieve the target for the year.
Action: All Banks
Agenda – 20: Annual Credit Plan (ACP) for FY 2017-18: The Bank-wise/district-wise ACP target put up was discussed by the house. While the target under MSE and Services was approved in principle, the NABARD representative told that they want the target under Crop Loan and other agricultural activities is made as per the Potential-Credit Link Plan (PLP) for the FY 2017-18 for each district. The house, therefore, requested the SLBC convener to prepare revised target for Agriculture segment in consultation with NABARD and put up the revised ACP to the next SLBC meeting for approval. Meanwhile, the house requested all banks to increase their lending under agriculture to achieve the target set for the year.
Action: SLBC Convener/NABARD/All banks
The meeting ended with a vote of thanks offered by Shri Ralte Ralkhuma, Chief Manager (Lead Bank) & Nodal Officer (SLBC), Aizawl. ===============================================================
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MINUTES OF THE SLBC MEETING AT AIZAWL ON 03/11/2017 Page 1
Minutes of the State Level Bankers’ Committee (SLBC) Meeting of Mizoram
For the quarter ended June 2017
The SLBC meeting of Mizoram for the quarter ended June, 2017 was held at the Conference
Hall, New Secretariat, Aizawl on 03.11.2017 at 11:00 a.m. under the Chairmanship of Shri.
Lalmalsawma, IAS, Chief Secretary, Govt. of Mizoram. Shri Dibyendu Chaudhuri, Regional
Manager, SBI and Convener SLBC welcomed the Chairman, other senior government officials,
GM, NABARD, GM from RBI and all Banker participants in the meeting. He thanked the
chairman for allowing holding of the meeting in spite of his busy schedule. He regretted that
fact that the meeting should have been held during the quarter following June, 2017. He also
mentioned about non-receipt of SLBC data in time from some of the member banks. He said
that the meeting will try to focus on the pertinent points and be brief to avoid the stress of avoidable lingering discussions. He requested the participants to give self introduction and the
participants introduced to the house one by one. Altogether 62 members present at the
meeting (Copy of the attendance sheet is attached at Annexure-A). After that he requested
the Chief Secretary for his opening remarks.
The Chief Secretary thanked the SLBC Convener and told the house that the meeting is for the
quarter ending June 2017. He welcomed the participants on behalf of the Government of
Mizoram as well as on his own behalf. He told that we have been discussing several issues in this
forum one of which is the CD ratio but no improvement could be seen. He requested bankers
to improve performance particularly in CD ratio.
Thereafter, with the permission of the chairman Shri Dibyendu Chaudhuri, Regional Manager,
SBI and Convener SLBC then proceeded with the agenda items.
Agenda – 1: Adoption of minutes of the last meeting:
The Convener SLBC informed the house that the minutes of State Level Bankers' Committee
meeting for the quarter ended March 2017 held on 29.06.2017 was circulated to all members.
Since no request for amendment of the minutes was received, the house adopted the minutes.
Agenda-2: Review of GOI instructions regarding financial inclusion:
a) Linking of bank accounts with Aadhaar
The Instructions of Government of India, Department of Financial Services, New Delhi to the
Indian Bank Association and Conveners of State Level Bankers Committee vide letter F.No.
20/2/2010-FI (Vol.II) (C-58530) dated 2nd August, 2017 regarding linking of bank accounts with
Aadhaar was read out and it was decided to wait for the Supreme Court judgment on the
matter which is to be delivered on that date and thereafter banks are to follow the
Government of India instructions which says that a client eligible to be enrolled for Aadhaar
and already having an account prior to 1st June, 2017 shall submit the Aadhaar number by
31.12.2017.
b) Opening of Aadhaar enrolment counter at bank branches:
The house was told that Aadhaar enrolment counter has been opened at five bank branches
viz. SBI, Aizawl Branch, SBI, Champhai branch, SBI, Kolasib branch and SBI, Lunglei branch and
Syndicate Bank, Aizawl branch in terms of the government instruction vide letter mentioned
above.
c) Aadhaar Authentication of all Current & Savings Accounts (CASA):
MINUTES OF THE SLBC MEETING AT AIZAWL ON 03/11/2017 Page 2
The letter of Government of India referred to above has instructed banks to complete
authentication the data with UIDAI by way of (a) Biometric authentication, (b) OTP-based
authentication and (c) demographic authentication. The house requested bankers to reach
out to all customers to secure authentication ahead of December dateline to avoid large
number of customers with unauthenticated accounts and disruption in banking operation due
to inoperative accounts.
d) Linking of bank accounts with Aadhaar on camp mode:
The house was told that a Special Camp was organized on 07.09.2017 and 08.09.2017 for
seeding of Aadhaar and Mobile number in the active accounts of customers in Aizawl city.
e) Review of Instructions from NABARD: The Representative of NABARD has requested
inclusion of review of NABARD instructions similar to GOI/RBI in the SLBC agenda and has been
accepted.
Agenda-3: Follow up action on the decision of SLBC meeting:
a) Credit achievement of Government Sponsored Schemes under NRLM through NERLP:
The house was told that only 23 Self Help Groups out of the target of 1000 have been
sanctioned loan sponsored by NERLP up-to 30.09.2017. The NERLP representative told that many
loan applications are pending mostly with MRB branches as most of the SHGs under NRLM
maintained their bank account mainly with the MRB. The representative of Mizoram Rural Bank
told that more loans will be sanctioned after signing of Memorandum of Understanding (MOU)
between MRB & NERLP which is expected in the second week of November, 2017.
Action: MRB, NERLP & SBI
b) District level workshop for Bank Managers on NRLM schemes:
The house was told that District level workshop for Bank Managers on NRLM schemes has
been conducted in 3 districts following the decision in the last meeting.
c) Credit achievement of Government Sponsored Schemes under NRLM through MzSRLM:
The house was told that as many as 40 SHGs out of the target of 1137 have been sanctioned
loan up-to 30.09.2017. The house requested bankers to finance SHGs on a mission mode to
achieve the targets. b While discussing the performance of financing SHGs it was felt necessary
to invite Successful SHGs in the DCC meetings to tell their success stories so that bank managers
will be able to know the importance of financing SHGs. The house requested respective LDMs
to invite SHGs in their DCC meeting in future.
Action: MCAB/MRB/SBI/MzSRLM/ LDMs
d) Credit target and achievement of PMEGP:
The ICICI Bank, HDFC Bank, Federal Bank, Indusind Bank, Yes Bank and South Indian Bank
did not sanction any loan during the year 2016-17. Representatives of Yes Bank told that 2 loans
had since been sanctioned during September, 2017 relating to PMEGP FY 2016-17. The house decided that SLBC should take up the matter with the controlling offices of these banks.
Action: SLBC
MINUTES OF THE SLBC MEETING AT AIZAWL ON 03/11/2017 Page 3
e) Credit target and achievement under Self Employment Programme (SEP) under NULM:
The house was told that only 5 units out of the target of 2000 units for FY 2017-18 have been
sanctioned during April 2017 to June, 2017. The house requested bankers to finance SHGs on a
mission mode to achieve the targets during the year.
Action: All Banks
f) Credit under Agriculture:
The house was told that a meeting of Sub-Committee of SLBC for improvement of agriculture
advance has been held in the morning of the day just before the SLBC meeting started under the chairmanship of NABARD.
g) Shallow water Tube Well (SWT) Scheme of NABARD:
The NABARD representative told that as part of their Area Development Scheme they have
come out with ‘Shallow Tube Well (STW)’ scheme 2017-18 & 2018-19 which will be launched within two weeks. The salient feature of the scheme was explained to the participants. The
house requested bankers to utilize the scheme to enhance their agriculture finance.
Action: All Banks
Agenda – 4: CD Ratio:
Deposits: The house was told that there is an increase of in aggregate deposits of Rs. 81.80
crores during the quarter ended June, 2017 over the March, 2017 quarter and an increase of
Rs.1489.24 crores over June, 2016.
Advances: The house was told that there is an increase of Rs.92.00 crores during the quarter
ended June, 2017 over the March, 2017 quarter and an increase of Rs. 389.04 crores over June,
2016.
CD Ratio in the State as on 30.06.2017:
The house was told that there has been a slight increase to 40.62% as of June, 2017 from 39.88%
on March, 2017.
Rs. In crores
FY & Quarter ended Deposit Advance CD Ratio
FY 2017-18 June 2017 7983.95 3243.12 40.62%
FY 2016-17 March 2017 7902.44 3151.13 39.88%
FY 2016-17 December 2016 7279.15 3028.90 41.61%
FY 2016-17 September 2016 7272.88 2895.67 39.81%
FY 2016-17 June 2016 6494.71 2854.08 43.94%
FY 2015-16 March 2016 6423.19 2838.61 44.19%
Among the Banks with less than 20% CD ratio the representatives of Yes Bank, Federal Bank and South Indian Bank told the house that they will be able to achieve not less than 20% CD ratio by
the end of FY 2017-18.
Action: ICICI Bank, Yes Bank, Federal Bank and South Indian Bank
Priority Sector Advances:
The total lending under Priority Sector (PS) advances at the end of the quarter was Rs.
1968.62 crores out of the total advances of Rs. 3243.12 crores. The percentage of PS advance is
60.70 as against the benchmark of 40%.
MINUTES OF THE SLBC MEETING AT AIZAWL ON 03/11/2017 Page 4
Agenda – 5: Agricultural Advances:
Agriculture advances at the end of June 2017 was Rs. 451.44 crores out of a total advance
of Rs. 3243.12 crores which is 14.21% whereas the benchmark is 18%. The house requested bankers to extend more loans under agriculture during the FY 2017-18 to achieve the stipulated bench mark.
Action: All Banks
Agenda – 6: Performance under of Annual Credit Plan (ACP)
The overall achievement of ACP as on 30.06.2017 is 12.90% which is 8.89 less than last year
on YOY basis. The Percentage of achievement under Priority Sector is 12.23% whereas under Non-Priority Sector the achievement is 14.24%.
Agenda - 7: Progress in financing MSME sector:
The house was told that there was an overall growth of Rs.306.42 crores as on June 2017 over
March, 2017 and Rs.416.31 crores over March, 2016.
Agenda -8: Performance under MUDRA (PMMY) Loan:
The house was told that 519 loans amounting to Rs.7.12 crores were sanctioned during the year
under the scheme.
Agenda 9: Review of loan sanctioned under Stand Up India (SUI) scheme:
The house was told that 5 loans amounting to Rs.99.70 lakhs were sanctioned during the year
up to June 2017 under the scheme. The house requested banks to sanction at least 2 (two)
loans each by all branches.
Action: All Banks
Agenda -10: Progress Roadmap for providing banking services in every village having
population below 2000-
No bank has reported any progress on the scheme. Out of 662 villages with less than 2000
population as per PMJDY SSA allotment (August 2014), banking services have been provided to
110 villages like branches, fixed located and periodically visited. The house request banks to
give more incentives to BCs to them a boost. The house requested banks to take necessary steps for providing banking services to their allotted villages.
Action: All Banks
The house also requested the following banks to expedite opening of branches at their
allotted villages with more than 2000 population.
Action: SBI, MRB, VJB, BOB, HDFC & MCAB.
Agenda – 12: Financial Literacy Campaign/Financial Literacy Centres Report
The house was told that out of 78 rural branches of banks only 78 branches have conducted 21
Financial Literacy Camps during the quarter. Besides the above as many as 12 Special
Financial Literacy Camps were conducted by Financial Literacy Centres (LDMs). All banks are
requested to ensure that their rural branches and LDMs conduct FLC at least once in a month.
Action: Banks, LDMs
MINUTES OF THE SLBC MEETING AT AIZAWL ON 03/11/2017 Page 5
Agenda–13: Credit Linkage to Housing for all –
(a) Pradhan Mantri Awas Yojana- Gramin (PMAY-G):
The Rural development Department, Government of Mizoram told many as 1720 applicants
were shortlisted by and has been sent to respective banks on 18/02/2017. No report has been
received on sanctioning of loans under this scheme till June 2017. The house requested banks to sanction housing loan under the scheme quickly so to achieve the target of the year.
Action: All Banks
(b) Pradhan Mantri Awas Yojana (PMAY-Urban)
The Credit Link Subsidy scheme (CLSS) under Pradhan Mantri Awas Yojana (Urban) is to be
implemented from this year. The house was told that no bank has been reported sanction of
new loan under the scheme up to June 2017. The house was also told that the processing fee
under PMAY-U is to be borne by the Ministry of Housing & Urban development, Government of
India.
Action: UD&PA Department / Banks
Agenda–14: Social Security Schemes
The house was told that the total subscriber of Social security Schemes at the end of the quarter
under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is 39129, Pradhan Mantri Suraksha
Bima Yojana (PMSBY) is 69360 and Atal Pension Yojana (APY) 1722 whereas number of
accounts under Pradhan Mantri Jan Dhan Yojana (PMJDY) is 58285 (No report was received
from MRB regarding PMJDY account)).
The Chief Manager (Lead Bank), Aizawl told the house that a special drive has been
conducted for APY and a meeting was organized for the muster roll labours of PWD on
18.08.2017.
Agenda – 15: RSETI
The Director, SBI-RSETI Aizawl told the house that the SBI LHO had already advised the
project architect to submit the detailed estimate for the project. He told that proposal had
been sent to SBI Corporate Centre for sanction of Rs.1.00 crore from CSR for meeting the
project cost over and above Rs.1.00 crore which was sanctioned by GOI. The house requested the Director of RSETI to closely follow up the matter.
Action: RSETI
Meanwhile the Director of RSETI told the house that credit linkage is very low i.e. 28% only
whereas the national percentage is 54. He also told that banks are always insisting guarantor
for PMMY (Mudra Loans) which should not be insisted as per the scheme. The house requested
banks to sanction PMMY loan applications sourced by the RSETI without insisting collateral security or guarantor.
Action: All Banks
Reimbursement of training cost:
Regarding claim for reimbursement of training cost of Rs.16.56 lakhs to the RSETI the
representative of MzSRLM told the house having submitted the demand to the Government of
Mizoram for sanction. The house requested the MzSRLM to follow up the matter closely for early reimbursement.
Action: MzSRLM
MINUTES OF THE SLBC MEETING AT AIZAWL ON 03/11/2017 Page 6
Agenda – 17: Recovery under Bakijai cases
The house was told that there are as many as 108 cases amounting to Rs.44.85 Lakhs were
settled under Bakijai cases during the quarter and there are 1523 pending cases at the end of
the quarter. The house requested banks to utilize Bakijai scheme for recovery of loan in a more
beneficial way. Action: All Banks
Agenda – 18: New Application for Opening of a Branch:
The Director of R.D. Department, Government of Mizoram has submitted a proposal for opening
of a bank branch at 40 unbanked villages indicating some of the banks to be opened thereat.
The house requested the concerned banks to find ways to open bank branch at these villages.
Action: MRB, MCAB & SBI
After brief concluding remarks of the chairman, the meeting ended with vote of thanks offered
by Shri Ralte Ralkhuma, Chief Manager, Lead Bank, Aizawl and SLBC Coordinator.
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