· Web viewHandloom weavers groups: 34.10% of the outstanding loans extended to Handloom weavers groups by banks in Telangana are overdue and 31.49% of the outstanding loans are

13th Meeting of SLBC of Telangana State Bank of Hyderabad

13th Meeting of SLBC of Telangana

Agenda & Background Papers

STATE LEVEL BANKERS’ COMMITTEETELANGANA

Convener

State Bank of HyderabadHead Office : Hyderabad

1

Date: 24.11.2016Time: 3.30 p.m.

: Venue :“Sabha Gruha” AuditoriumState Bank of Hyderabad

H.O. Hyderabad


13 th SLBC Meeting Agenda – Index 1. Adoption of Minutes

S.No. Particulars Page No.1.1 Adoption of minutes of 12th SLBC meeting held on 19/09/2016 and

adoption of minutes of other meetings of SLBC held on various dates.

9

1.2 Conduct of meetings under Lead Bank Scheme 10

2. Banking Network in State of Telangana

S.No. Particulars Page No.2.1 Banking Network at a Glance in Telangana 102.2 Comparative Position of branches 112.3 Sector-wise network of branches as at 30/09/2016 11

3. Banking Statistics

S.No. Particulars Page No.3.1 Banking at a Glance in Telangana as at 30/09/2016 123.2 Highlights of performance of banks 133.3 Banking Key Indicators in Telangana State 143.4 Deposits & Advances – Comparative position 153.5 Statement of Priority Sector Advances – Outstandings 16

4. Achievement of Annual Credit Plan 2016-17

S.No. Particulars Page No.4.1 Achievement as on 30.09.2016 194.2 Banks performance – Achievement of targets - during the year up

to 30/09/2016 19

5. Agriculture Sector

S.No. Particulars Page No.5.1 Progress in lending short term production loans 21

5.2.1 Short Term Crop Production 215.2.2 Agri. Term Loan Lending incl. Allied activities; agri. Infrastructure

and Ancillary activities21

5.2.3. Total Agriculture 215.3 Category-wise total agriculture advances 225.4 Dairy Entrepreneurship Development Scheme (DEDS) –

Continuation of the scheme for the financial year 2015-1623

5.5 Pledge financing against Negotiable warehouse receipts (NWRs) – Performance up to June 2016

23

5.6 Allocation JLG Targets (Bhoomi Heen Kisan) for the year 2016-17 235.7 Vaddi Leni Runalu (VLR) & Pavala Vaddi Scheme (PVS) on crop

loans24

5.8 Reimbursement of VLR / Pavala Vaddi claims to banks 245.9 Prime Minister Fasal Bhima Yojana & Whether Based Crop

Insurance Scheme24

5.10 Prime Minister Fasal Bhima Yojana - Notification of crops and areas (district-wise) for Rabi-2016-17

25

2

13th Meeting of SLBC of Telangana State Bank of Hyderabad5.11 Restructured Whether Based Crop Insurance Scheme –

Notification of Mango Crop in all districts.25

5.12 Data submission on Relief measures extended by banks in areas affected by Natural Calamities

25

5.13 Over-dues / NPAs under Agriculture Sector as on 30.06.2016 26

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

S.No. Particulars Page No.6.1.1 Outstanding – Micro, Small & Medium Enterprises – Priority sector 286.1.2 Outstanding – Micro, Small & Medium Enterprises – Non-Priority

sector29

6.1.3 Outstanding – Micro, Small & Medium Enterprises – Priority & Non-Priority sector

30

6.2 Overdue / NPAs under MSME sector – 30.09.16 316.3 Task Force Recommendations 336.4 PMEGP Targets & Achievement – as on 30/09/2016 33

6.4.1 Operating PMEGP online portal by financing banks 336.4.2 Submission of pending MM claims by banks 346.5.1 Pradhan Manthri Mudra Yojana (PMMY) – Performance up to Sept.

201634

6.5.2 District-wise performance under Mudra scheme 356.5.3 Sector-wise performance under Mudra scheme 356.5.4 Mudra Scheme - sanctiond to various categories 366.5.5 Mudra Scheme – Performance of top10 banks 366.6 Pradhan Manthri Stand-Up India Scheme 376.7 CGTMSE Scheme – Progress made by banks during the year up to

30/09/201638

7. Housing Loans

S.No. Particulars Page No.7.1 Position of housing Loans as on 30/09/2016 397.2 Over dues / NPAs under housing loans 30/09/2016 407.3 Housing for all (urban) under Pradhan Manthri Awas Yojana (PMAY) 41

8. Education loans

S.No. Particulars Page No.8.1 Position of Education loans as on 30/09/2016 428.2 Overdue / NPAs under Education Loans as on 30/09/2016 43

9. Credit flow to Minority Communities

S.No. Particulars Page No.9.1 Credit flow to Minority Communities as on 30/09/2016 449.2 Overdue / NPAs under loans to Minority community as on 30/09/16 44

10.Credit flow to Weaker Sectors

S.No. Particulars Page No.10.1 Credit flow to Weaker Sections as on 30/09/2016 4510.2 Overdue / NPAs under Loans sanctioned to Weaker Sections as on

30/09/201645

3


11.Credit flow to SC/STs

S.No. Particulars Page No.11.1 Credit flow to SC/STs as on 30/09/2016 4611.2 Overdue / NPAs under loans to SC/STs as on 30/09/2016 46

12.Credit flow to Women beneficiaries

S.No. Particulars Page No.12.1 Credit flow to Women beneficiaries as on 30/09/2016 4712.2 Overdue / NPAs under loans to Women beneficiaries as on

30/09/201647

13.Government Sponsored Schemes – Government of IndiaS.No. Particulars Page No.13.1 SHG – Bank linkage under NRLM as on 30/09/16 4813.2 Overdue / NPA position (NRLM) as on 30/09/2016 48

13.3 NRLM Targets -2016-17 48

13.4 SHG Bank linkage under NULM programme 30/09/16 49

13.5 Over / NPA position – NULM as on 30/09/16 49

13.6 Position of implementation of government sponsored schemes during the financial year 2016-17 – Central Government.

49

13.7 Flow of credit under DRI scheme as on 30/09/2016 50

13.8 Overdue / NPA position under DRI scheme as on 30/09/2016 50

14.Government sponsored Schemes – Government of Telangana

S.No. Particulars Page No.14.1 Targets – 2016-17 (all state government sponsored schemes) 50

14.2 Position of State Government sponsored schemes (all schemes) as on 30/09/2016

50

14.3 Performance / Disbursement of Loans under Government sponsored scheme-wise – as on 30/09/2016

51

14.3.1 Fisheries – Performance upto 30/09/2016 52

14.3.2 TS Backward Classes Co-op Finance Corporation – Performance as on 30/09/2016

53

14.3.3.

TS Minorities Finance Corporation – Performance as on 30/09/16 53

14.3.4 TS SC Co-operative Finance Corporation Ltd – Performance as on 30/06/16

53

14.3.5 TS TRICOR – Economic Status – as on 30.09.16 54

15.Financial Inclusion4


S.No. Particulars Page No.Road Map for Providing Banking channels / services:

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

54

15.2 National Mission on Financial Inclusion Plan – Pradhan Mantri Jan-dhan Yojana (PMJDY) – performance up to 30/09/2016

55

15.2.1 PMJDY – Opening of accounts - Conversion of small accounts to Basic Savings bank deposits accounts (BSBDA)

56

15.3 Deployment of Bank Mithras 5715.4 Performance of Social security / insurance schemes launched by

Govt. of India58

15.5 Unbanked mandals / Mandals with no bank branches in Mandal Head quarters

58

15.6 Opening of branches in Tribal areas 5815.7 Installation of ATMs 5815.8 Voluntary seeding of Pension accounts with Aadhar numbers to

facilitate submission of Digital Lie Certificates (DLCs) by pensions through ‘Jeevan Praman’

59

15.9 Financial Literacy centres (FLCs – position) 6015.10 Availability of standardized financial literacy material of RBI at

FLCs60

15.11 Financial Literacy activity by rural branches and FLCs 6115.12 FLC –Revised formats for submission of data 6115.13 Capacity building programme – Business correspondents 6215.14 Verification of calls executives of State Call Centres to Bank

Mitras / Business correspondent Agents63

15.15 Rural Self Employment Training Institutes in Telangana (RSETIs) 6315.16 RSETIs – Pending reimbursement of claims 6315.17 Opening of bank branches in Left Wing Extremism (LWE)

affected districts – Khammam District65

15.18 Demonetization of currency notes of Rs. 500/- & Rs.1000/- 6615.19 Reorganization of districts in the State of Telangana 6715.20 Success stories of RSETIs 68

16.Lead Bank Scheme:

S.No. Particulars Page No.16.1 Attendance in JMLBC / DLRC / DCC meetings 7016.2 Information to be submitted quarterly by banks and LDMs 7116.3 Lead Bank Scheme – Sensitization Programme for District

Collectors / CEO of Zilla Parishads71

17.Overdue / NPAs position of various sectors / schemes

S.No. Particulars Page No.17.1 Overdue / NPAs position as on 30.09.2016 under various sectors 7217.2 Overdue / NPAs – total position as on 30.09.2016 under State

Government sponsored schemes (all schemes)74

17.3 Overdue / NPAs position as on 30.09.2016 under State Government sponsored scheme-wise

75

17.4 Overdue / NPAs position as on 30.09.2016 under Central Government sponsored scheme-wise

78

5


18.Regional Rural Banks (RRBs)

S.No. Particulars Page No.18.1 Performance of Regional Rural Banks on important parameters 8018.2 Network in Telangana 8018.3 Deposits 8018.4 Advances 8118.5 CD Ratio 8218.6 Total Agri. Advances % in total advances 8218.7 Break-up - Total Agri. Advances 8318.8 Comparative position of Crop Loans 8318.9. Comparative position of Agri. Term Loans 8318.1

0Break-up of agri. Advances : TGB 84

18.11

Break-up of agri. Advances : APGVB 84

19.Other Agenda items to be discussed

S.No. Particulars Page No.19.1 To include Dept. of Posts as a member IN SLBC 8419.2 To include Dept. of Food & Civil Supplies as a member in SLBC 8419.3 SHGs – Self-help groups – Mahabubnagar District 8519.4 District-wise Targets under PMEGP 8519.5 Establishment of DRT – Exemption of Sharing of expenditure by

TSCAB & APGVB Banks86

19.6 Andhra Pradesh Rajiv Swagruha Corporation Ltd (APRSCL) – Bifurcation of the State of Andhra Pradesh

87

20.Circulars issued by Reserve Bank of India/NABARD/GoI/GoT

S.No. Particulars Page No.20.1 Circulars issued by RBI / NABARD / Govt. of India / Govt. of

Telangana88

21.Annexures

S.No. Particulars – Position as on 30/06/2016 Page No.21.1 Bank-wise number of branches, deposits, advances 8921.2 District-wise number of branches, deposits, advances21.3 Bank-wise Deposits; Advances & CD Ratio 9121.4 District-wise Deposits; Advances and CD Ratio21.5 Bank-wise Priority Sector Advances 9321.6 District-wise Priority Sector Advances21.7 Bank-wise Agriculture Advances (Direct & Indirect) 9521.8 District-wise Agriculture Advances (Direct & Indirect)21.9 Annual Credit Plan 2015-16 : Bank-wise achievement

(Agriculture)99

21.10 Annual Credit Plan 2015-16 : Bank-wise achievement (MSE & Priority Sector Advances)

101

21.11 District-wise achievement of Annual Credit Plan 2015-16 (Agriculture)

6


21.12 District-wise achievement of Annual Credit Plan 2015-16 (MSE & Priority Sector Advances)

21.13 Bank-wise Micro; Small & Medium Enterprises (MSME) advances

103

21.14 Bank-wise Housing Loans 10721.15 Bank-wise Education Loans 10921.16 Bank-wise Education Loans targets allocated in the State of

Telangana111

21.17 Bank-wise data on Export Credit 11321.18 Bank-wise Advances to Minority Communities 11521.19 Bank-wise Advances to Weaker Sections 11721.20 Bank-wise Advances to SC / ST borrowers 11921.21 Bank-wise Advances to Women 12121.22 Bank-wise Advances under DRI scheme 12321.23 Bank-wise SHG Bank-linkages 12521.24 Bank-wise Loans under NRLM scheme 12721.25 Ban-wise loans to Milch-animals 12921.26 Bank-wise loans to Sheep & Goat units 13121.27 Bank-wise loans under SERP 13321.28 Bank-wise loans under MEPMA 13521.29 Bank-wise loans under Rajeev Gruhakalpa Scheme 13721.30 Bank-wise loans under VAMBAY Scheme 13921.31 Bank-wise loans under Rajeev Yuva Shakti Scheme 14121.32 Short Term Crop Production Loans : Bank-wise position on

overdue / NPAs143

21.33 Agri. Term Loans including Allied Activities : Bank-wise position on overdue / NPAs

145

21.34 Agri. Term Loans including Allied – Indirect Loans : Bank-wise position on overdue / NPAs

147

21.35 Total Agriculture advances : Bank-wise position on overdue / NPAs

149

21.36 Micro & Small Enterprises : Bank-wise position on overdue / NPAs

151

21.37 ‘Others’ under Priority Sector Advances : Bank-wise position on overdue / NPAs

153

21.38 Total Priority Sector Advances : Bank-wise position on overdue / NPAs

155

21.39 Non-Priority Sector Advances : Bank-wise position on overdue / NPAs

157

21.40 Total Advances : Bank-wise position on overdue / NPAs 15921.41 Educational Loans : Bank-wise position on overdue / NPAs 16121.42 Housing Loans : Bank-wise position on overdue / NPAs 16321.43 SHG Bank linkages under NULM – Peformance of banks as at

30/06/16165

21.44 Weaver Credit Cards – Performance up to 30.09.15 167

21.45 Joint Liability Groups (Bhoomi Heen Kisan) Agency wise targets for the year 2016-17

169

21.46 Pradhana Mantri Fasal Bhima Yojana (PMFBY) – Whether based Crop Insurance Scheme (WBCIS)

170

21.47 Pradhana Mantri Fasal Bhima Yojana (PMFBY) – Notification of Crops 173

7


and areas

21.48 Restructured Whether Based Corp Insurance Scheme (RWBCIS) – Notification of Mango Crop in all districts

176

21.49 Data submission on relief measures extended by banks in areas affected by natural calamities.

178

21.50 Operating PMEGP online portal by financing banks – letter of GOI

182

21.51 Submission of pending MM claims by banks 187

21.52 NULM –Targets for 2016-17 188

21.53 Road Map for opening Brick & Mortar branches in villages with population more than 5000 without a bank branch of Schedule Commercial Banks

222

21.54 Opening of brick & mortar branches - Progress made banks up to Sept. 2016

228

21.55 National Mission of Financial Inclusion Plan – PMJDY 232

21.56 PMJDY – Opening of accounts - Conversion of Small bank accounts to Basic Savings Bank Deposit Accounts – (BSBDA)

240

21.57 Social Security / Insurance Schemes – Bank-wise enrolment of data

242

21.58 List of Financial Literacy Centres (FLCs) 243

21.59 Report of Financial Literacy activities conducted by FLCs as at the end of Sept. 2016

246

21.60 Report of Financial Literacy activities conducted by Rural branches as at the end of Sep. 2016

264

21.61 FLCs – Revised formats for submission of data 279

21.62 Performance of RSETIs 283

21.63 Opening of bank branches in Left Wing Extremism (LWE) affected districts –Khammam district

285

21.64 Demonetization of Currency Notes of Rs.500/- & Rs.1000/- 286

21.65 Re-organization of districts in the State of Telangana 310

21.66 To include Dept. of Posts as a member in SLBC 679

21.67 To include Dept. of Food & Civil Supplied as a member in SLBC 681

21.68 SHGs – Problems in Mahabubnagar District 683

21.69 District-wise (reorganized districts) PMEGP Targets 691

21.70 Establishment of DRT – Exemption of sharing of expenditure by TSCAB & APGVB

694

8


21.71 Andhra Pradesh Rajiv Swagruha Corporation Ltd (APRSCL) bifurcation of the State of Andhra Pradesh

698

21.72 Minutes of the Meetings 700

21.73 Consolidated Comprehensive Quarterly Data – Sept. 2016 – Public Sector Banks

720

21.74 Consolidated Comprehensive Quarterly Data – Sept. 2016 – Private Sector Banks

728

21.75 Consolidated Comprehensive Quarterly Data – Sept. 2016 – Commercial Banks

735

21.76 Consolidated Comprehensive Quarterly Data - Sept. 2016 – Co-op Banks

742

21.77 Consolidated Comprehensive Quarterly Data – Sept. 2016 – Regional Rural Banks

751

21.78 Consolidated Comprehensive Quarterly Data – Sept. 2016 – Other Financial Institutions

759

21.79 Consolidated Comprehensive Quarterly Data – Sept. 2016 – Banks / Financial Institutions

766

Agenda 1:1.1 Adoption of minutes of 11th SLBC meeting held on 19/09/2016

& other meetings of SLBC held after 30.06.2016

The minutes of 12th SLBC meeting held on 19th Sept. 2016 was circulated to the members of SLBC, RBI, NABARD, LDMs and Government Departments concerned. The minutes of sub-committee meetings and other steering committee meetings held after 30/06/2016 were circulated to the members of the SLBC, RBI, NABARD, LDMs and Government Departments concerned. Details of the meetings held are furnished below:

9

13th Meeting of SLBC of Telangana State Bank of HyderabadS.No. Name of the meeting Date of

meeting held1 Steering Committee on PMFBY 12/09/162 Steering Committee on Charge Creation Module 16/09/163 SLBC Meeting on Performance of Bank for the quarter

ended June 2016 19/09/2016

4 Steering committee meeting to discuss special drive on Financial Inclusion Initiatives

07/10/2016

5 Steering Committee on Agri. Finance, Mudra loans and Financial Inclusion schemes.

20/10/16

These minutes may be taken as approved by the house as no requests for amendments / changes were received.

1.2 Conduct of DCC / DLRC meetings under Lead Bank Scheme: SLBC is reviewing the conduct of DCC/DLRC meetings as per the schedule. District wise calendar of DCC / DLRC meetings and conduct of the meetings in Telangana for the quarter Sept., 2016 is furnished hereunder.

DistrictQuarte

rSchedule of the

meetingsDate of the meeting

proposed / conductedDCC DLRC DCC DLRC

Adilabad

For the quarter Sept. 2016

28.09.16 04.10.16 30.08.16 30.08.16

Hyderabad 23.08.16 23.08.16 23.09.16 23.09.16

Karimnagar 27.09.16 27.09.16 29.09.16 deferred

29.09.16 deferred

Khammam 10.08.16 27.08.16

Mahabubnagar 23.08.16 23.08.16

Medak 18.08.16 18.06.16 24.08.16 24.08.16

Nalgonda 14.07.16 14.07.16 05.10.16 05.10.16

Nizamabad 14.09.16 28.09.16 27.09.16 27.09.2016

Ranga Reddy 06.08.16 06.08.16

Warangal 24.08.16 18.08.16 28.09.16 28.09.16

All LDMs are advised to: Invariably conduct DCC/DLRC meetings for all four Quarters of the

financial year.10

13th Meeting of SLBC of Telangana State Bank of Hyderabad Ensure attendance of controlling authorities of banks along with district

co-ordinators to the meeting Ensure organizing DLRC meetings as per the schedule and attendance of

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

Agenda 2: Banking Network in the State of Telangana

2.1 Banking Network at a glance in Telangana as on 30.09.2016

Rural Semi-urban Urban Metro Total1819 1206 669 1565 5259

Bank-wise & District-wise number of branches is enclosed as Annexure 1.

Population group wise number of branch as at the end of 30th Sept. 2016.

During the quarter under review, Banks in the State have opened 47 branches in the State.

During the year up to Sept., 2016, banks in the State have opened 86 branches.

Comparative statement of branches, deposits & advances as on 30.09.2016 vis-à-vis 30.09.2015 (Rs. in cr)

Category Public Sector Banks Pvt. Sector Banks RRBs Co-op. Banks Others (APSFC)31.03.16 30.09.16 31.03.16 30.09.16 31.03.16 30.09.16 31.03.16 30.09.16 30.09.15 30.09.16

Rural 962 973 132 132 583 584 129 129 1 1Semi Urban 731 734 178 178 203 203 89 89 2 2

11

13th Meeting of SLBC of Telangana State Bank of HyderabadUrban 446 446 120 121 49 49 44 45 8 8

Metro 1060 1076 383 398 12 13 77 77 1 1Total Branches 3199 3229 813 829 847 849 340 340 12 12

Deposits 259341.57 261107.96 82534.81 91682.72 12829.09 13241.72 7868.63 7880.85 0 0

Advances 283177.28 304768.92 91165.70 91495.26 12722.21 13497.06 6890.20 7040.19 1495.28 1679.91

2.2 Comparative position of number of branches

2.3 Sector-wise network of branches as at 30/09/2016

3. Banking Statistics:3.1 Banking at a glance as on 30/09/2016: (Rs. In cr)S.No. Particulars

Amount1 Total Deposits 373913.252 Total Advances 418481.342 Credit Deposits Ratio (%) (RBI Norm 60%) 111.92%4 Total Priority Sector Advances 146190.875 % of Priority Sector Advances to total Advances (RBI Norm 34.93%

12


40%) Of which A Agriculture advances 64707.50 % of Agri. Advances to Total Advances 15.46%i. Of which: small & marginal farmers 25003.23 % to total advances (RBI norm 7% of ANBC) 5.97%B Non-farm Sector / Micro, Small & Medium Enterprises 50383.62 % to Total Advances 12.04%i. Of which: Micro enterprises 21253.68 (RBI Norm 7% of ANBC) 5.05%ii. Small Enterprises 21122.44 % to total advances 5.05%

iii. Medium Enterprises 8007.50 % to total advances 1.91%C Export Credit 67.70D Others' under Priority Sector Advances 31032.06 % to Total Advances 7.42% Of which i. Educational Loans 4605.60ii. Housing Loans 23755.94iii. Social Infrastructure 232.33iv. Renewable Energy 183.90v. Others 2254.296 Out of Priority Sector Advances - Finance to: Advances Weaker Sections 40030.34 % to total advances (RBI norm 10% of ANBC) 9.57%ii. Advances to Women 27364.13 % to total advances (RBI norm 5% of ANBC) 6.54%

iii. Advances to SC/ST 10897.56iv. Advances to Minorities 10519.57

% to total advances(RBI Norm 15% on Priority Sector Adv. 7.20% SHGs 11433.53

3.2 Highlights of performance of the Banks:

Total deposits are at Rs. 373913.25 cr. Total advances are at Rs. 418481.34 cr

Priority sector segment advances are at Rs. 146190.87 cr

Agricultural advances are at Rs. 64707.50 cr

MSME advances are at Rs. 50383.628 cr13

13th Meeting of SLBC of Telangana State Bank of Hyderabad Advances to Micro enterprises are at Rs. 21253.68 cr

Advances to Small enterprises are at Rs. 21122.44 cr

MSE advances are at Rs. 42376.12 cr

Advances to Medium enterprises are at Rs. 8007.50 cr

Advances to Export credit are at Rs. 67.70 cr

Education loan segment is at Rs. 4605.60 cr

Loans to Housing segment are at Rs. 23755.94 cr

Loans to Social Infrastructure are at Rs. 232.33 cr

Advances to Renewable energy are at Rs. 183.90 cr.

Advances to women are at Rs. 27364.13 cr

Advances to SC/STs are at Rs. 10897.56 cr

Advances to Minority category are at Rs. 10519.57 cr

Advances to weaker sections are at Rs. 40030.34 cr

Loans to SHGs are at Rs. 11433.53 cr

Deposits: Comparative figures of deposits (Rs. In cr)

14

13th Meeting of SLBC of Telangana State Bank of HyderabadAdvances: Comparative figures of advances (Rs. In crore)

Priority sector advances as at the end of Sept. 2016 (Rs. In cr)

3.3 Banking Key Indicators in Telangana State (Rs. In cr)

S.No. Particulars Mar'14 Mar'15 Mar'16 June'16 Sept'16

1 Number of Br. Rural 1584 1719 1796 1816 1819 Semi-urban 1056 1143 1205 1205 1206 Urban 595 652 664 665 669 Metro 1317 1405 1508 1526 1565 Total 4552 4919 5173 5212 52592 Deposits 285879.00 328181.11 357318.55 362574.11 373913.25

3

Incremental Deposits (% of increase)

31151.00 42302.11 29137.44 5255.56 16594.70

16.05% 14.80% 8.88% 1.47% 4.64%4 Advances 324964.00 354165.67 389653.32 395450.67 418481.34

Incremental Advances (% of increase)

23052.00 29201.67 35487.65 5797.35 28828.02

7.64% 8.99% 10.02% 1.49% 7.40%

4CD Ratio (RBI Norm 60%) 113.67% 107.92% 109.05% 109.07% 111.92%

15


(Amount in cr)

Particulars As on 30.09.15 As on 31.03.16

As on 30.09.16

% Increase over Mar. 2016 (YTD

growth)

% Increase over Sept. 2015 (YOY

growth)Deposits 337749.95 357318.55 373913.25 4.64% 10.71%Advances 350884.88 389653.32 418481.34 7.40% 19.26%

Bank-wise number of branches, deposits and advances is enclosed as Annexure 1.

District-wise number of branches is enclosed as Annexure 2.

3.4 Deposits and Advances : Comparative position from March 2015 to Sept. 2016.

(Rs. In crore)

16

13th Meeting of SLBC of Telangana State Bank of Hyderabad3.5 Statement of Priority Sector Advances (Outstanding) – 30.09.2016

(Rs. In cr)

S.No. Particulars Mar'14 Mar'15 Mar'16 June'16 Sept'16

1Short Term Production Loans 25178.00 37663.68 31976.23 32519.80 38885.81

2

Agri. Term Loans including allied activities 24386.00 23604.05 18047.16 19180.56 16957.85

3Agriculture Infrastructure 1141.58 1181.79 1712.86

4Agri. Ancillary Activities 8348.45 7005.14 7150.98

3Total Agriculture Advances 49564.00 61267.73 59513.42 59887.29 64707.50

4% of Agri. Advances to Total Advances 15.25% 17.30% 15.27% 15.27% 15.46%

5

Non-Farm Sector / Micro & Small Enterprises 29301.00 33558.74 44059.07 43861.34 50383.61

6

% of Non-Farm Sector / Micro & Small Enterprises to total advances 9.02% 9.48% 11.31% 11.31% 12.04%

7 Export credit 43.91 65.98 67.70

8

Others' under Priority Sector Advances 23752.00 26576.43 24253.92 24784.02 31032.06

9

% of ‘Other’ under Priority Sector advances to total advances 7.31% 7.50% 6.22% 6.22% 7.42%

10Total Priority Sector Advances

102617.00

121402.90

127870.32 128598.63

146190.87

10

% of Priority Sector Advances to total advances 31.58% 34.28% 32.82% 32.52% 34.93%

Note : Percentage calculated on total Advances (due to non-availability of ANBC & Net Bank Credit)

Comparative position of Short Term Agriculture Credit: (Rs. In crore)

17


Comparative position of Agri. Term Loans incl. Allied activities:(Rs. In crore)

Comparative position of Total Agriculture Credit:(Rs. In crore)

Comparative position of MSME Advances (Rs. In crore)

18

13th Meeting of SLBC of Telangana State Bank of HyderabadComparative position of Priority sector lendings (Rs. In crore)

Bank-wise position on Deposits, Advances & Credit Deposit Ratio is enclosed as Annexure 3.

District-wise position on Deposits, Advances & Credit Deposit Ratio is enclosed as Annexure 4.

Bank-wise position on Priority Sector Advances is enclosed as Annexure 5.

District-wise position on Priority Sector Advances is enclosed as Annexure 6.

19


Agenda: 4

Achievement of Annual Credit Plan 2016-17

4.1 Achievement as on 30.09.2016 (Rs. In cr)

S.No. Particulars

Achieve-ments up to

June.14

Achieve-ments up to Mar.15

Achieve-ments up to Mar'16

Target 2016-17

Achieve-ments up to

Sept'16

% of achieve-ment up to the

quarter

1Short Term Production Loans

a Kharif 4223.49 7816.84 12938.7417460.8

115205.4

0 87.08%

b Rabi 0.00 10603.04 10461.5811640.5

7 0.00 0.00%

Total 4223.49 18419.88 23400.3229101.3

815205.4

0 52.25%

2Agriculture Term Loans 2241.35 2878.97 8791.46 9202.84 3690.39 40.10%

Allied to Agriculture 1767.32 5977.31

3Agriculture Infrastructure 258.57 1358.97 142.60 10.49%

4Agr. Ancillary activities 1737.10 1349.45 1251.65 92.75%

5 Total Agriculture 8232.16 27276.16 34187.4541012.6

420290.0

4 49.47%

6Micro &small, Medium Enterprises 6024.03 13330.13 17006.92

10807.48

11126.49

102.95%

7

Others' under priority Sector Advances 1557.97 7640.96 5124.87 8793.51 2996.72 34.08%

Of which a Education Loans 90.18 543.05 771.92 731.77 371.78 50.81%b Housing Loans 496.77 5591.70 2482.21 2189.53 1975.59 90.23%c Others 971.02 1506.21 1870.74 5872.21 649.35 11.06%7 Export Credit 3.09 0.00 5.99

8Total Priority Sector Advances

15814.16 48247.25 56322.33

60613.63

34419.24 56.78%

9Non-Priority Sector Advances

20796.97 65304.41 80533.34

30163.35

49627.44

164.53%

10 Total Credit Plan36611.1

3113551.6

6136855.6

790776.9

884046.6

8 92.59%

4.2 Performance of Banks during the year up to 30/09/16 –Achievement vis-à-vis targets

20

13th Meeting of SLBC of Telangana State Bank of Hyderabad Banks together disbursed priority sector loans of Rs. 34419.24 cr. and

achieved 56.78% of annual targets. Short term production loans to the extent of Rs. 15205.405 cr. ware

disbursed achieving 87.08% of kharif targets. Term loans to agriculture and allied activities disbursed was to the extent

of Rs. 3690.39 cr achieving 40.10% of targets. Loans disbursed to Agriculture infrastructure was at Rs. 142.60 cr. Banks

achieved 10.49% annual targets. Loans disbursed to Agr. Ancillary activities was at Rs. 1251.65 cr. Banks

achieved 92.75% of targets. Amount disbursed to Agriculture sector was at Rs. 20290.04 cr and banks

achieved 49.47% of annual targets. MSME loans amounting to Rs. 11126.49 cr was disbursed by banks

surpassing the annual targets with an achievement of 102.95%. Amount disbursed to ‘Other priority sector advances’ was at Rs. 2996.72

cr and banks achieved 34.08% of annual targets. Education loans amounting to Rs. 371.78 cr was disbursed by banks

achieving 50.81% of annual targets. Housing loans amounting to Rs. 1975.59 cr was disbursed by banks

achieving 90.23% of targets.

Disbursals to weaker sections, minorities & SC/STs are at Rs. 10334.39 cr., Rs. 3981.88 cr. and Rs. 2892.43 cr. respectively.

Banks together disbursed total loans (Priority & non-priority) of Rs.84046.68 cr. achieving 92.59% of annual targets.

Bank-wise agriculture advances (Direct & Indirect) is enclosed as Annexure 7.

District-wise agriculture advances (Direct & Indirect) is enclosed as Annexure 8.

Annual Credit Plan 2016-17 : Bank-wise achievement of target under Agriculture advances is enclosed as Annexure 9.

Annual Credit Plan 2016-17 :Bank-wise achievement of target under MSME & Priority Sector advances is enclosed as Annexure 10.

21

13th Meeting of SLBC of Telangana State Bank of Hyderabad Annual Credit Plan 2016-17 : District-wise achievement of target under

Agriculture advances is enclosed as Annexure 11. Annual Credit Plan 2016-17 : District-wise achievement of target under

MSME & Priority Sector Advances is enclosed as Annexure 12.

Agenda : 5:

Agriculture sector

5.1 Progress in lending short term production loans:

As against Kharif disbursal target of Rs. 17460.81 cr for the financial year 2016-17, banks together have disbursed Rs. 15205.40 cr, recording an achievement of 87.08%.

Against a term loan target of Rs. 9202.84 cr, an amount of Rs.3690.39 cr disbursed to agriculture and allied activities achieving 40.10% of targets.

Against a total agriculture lending target of Rs. 41012.64 cr for the year 2016-17, an amount of Rs.20290.04 cr disbursed by banks achieving 49.47% of targets.

5.2.1 Short Term Crop Production: (Rs. In cr)

Category KharifTarget

Achievement

% achievement

Public Sector Banks 10348.56 7786.42 75.24%Private Sector Banks 812.71 1192.28 146.70%Regional Rural Banks 2999.95 3372.96 112.43%Cooperative Banks 3299.60 2853.74 86.49%Total 17460.82 15205.40 87.08%

5.2.2 Agricultural Term Loans including Allied Activities, Agriculture Infrastructure & Ancillary activities: (Rs. In cr)

Bank Target Achievement % achievement


22


5.2.3 Total Agriculture: (Rs. cr)

Bank Targets Achievement % of achievement


5.3 Category-wise Total Agriculture Advances (Rs. In cr)

1 Crop Loans 38885.812 Agri Term Loans 16957.853 Agri. Infrastructure 1712.864 Ancillary units 7150.985 Total Agriculture 64707.50

Category-wise Disbursals of Agriculture Advances: (Rs. In cr)

Particulars Disbursals% to total disbursal

Crop Loans 15205.4 74.94%

Term Loans 3690.39 18.19%

Agri. Infrastructure 142.6 0.70%

Agri. Ancillary activities 1251.65 6.17%

Total Agriculture 20290.04 100.00%

23


5.4 Dairy Entrepreneurship Development Scheme (DEDS) – Continuation of the scheme for the financial year 2016-17

The progress made under Dairy Entrepreneurship Development Scheme (DEDS) is as under:

(Rs. In cr)Period Outstanding Disbursement during the

quarter (01/07/16 to 30/09/16)

Disbursement up to the quarter (01/04/16

to 30/09/16)

No. Amount No. Amount No. AmountSep’16 21008 197.53 514 4.15 1001 8.61

Banks have disbursed an amount of Rs. 4.15 cr to 514 beneficiaries during the quarter and Rs. 8.61 cr to 1001 beneficiaries up to the quarter ended Sept., 2016

5.5 Pledge financing against Negotiable Warehouse receipts (NWRs):

RBI advised banks to furnish quarterly data (district-wise) on pledge financing against Negotiable Warehouse Receipts (NWRs) to farmers, within 20 days from the end of each quarter. All the controlling authorities of banks are requested to submit the information in the format already communicated. The position as on 30/09/2016 is as under:

(Rs.in lac)

Particulars Disbursement during the quarter

Outstanding as at the end of Sept. 2016

24


No. of a/cs Amount No. of a/cs AmountNWRs 56 124.79 152 300.70

5.6 Joint Liability Groups (Bhoomi Heen Kisan) – Agency-wise Targets for the year 2016-17

The targets for the year 2016-17 have been sent to all the banks for implementation. The bank-wise targets are enclosed as Annexure No. 45.

5.7 Vaddileni Runalu and Pavala Vaddi Scheme on Crop Loans:

Under the scheme, interest subvention at 4% as VLR on the crop loans availed up to Rs. 1.00 lakh and 1% Pavala Vaddi on the crop loans availed about Rs.1.00 lac up to Rs.3.00 lac, subject to the repayment of these loans within maximum period of 1 year from the date of disbursement by the farmer.

5.8 Reimbursement of VLR / Pavala Vaddi claims to banks:

Member banks have informed that as per the interest subvention (VLR & PV) scheme guidelines, banks are allowing the benefit of interest to the promptly paying farmers at the time of repayment of loan itself and subsequently submitting claims to Department of Agriculture. Member banks have informed that they are yet to receive the reimbursement of pending claims under Vaddi Leni Runalu / Pavala Vaddi for the kharif & rabi 2015-16 and Kharif 2016, from Agriculture Department. SLBC has brought the issue of pendency to the notice of Secretary, Agriculture Dept., Govt. of Telangana and requested for release of the pending claims amounting to Rs. 217.51 cr at the earliest.5.9 Prime Minister Fasal Bhima Yojana (PMFBY) & Weather based

Crop Insurance Scheme (WBCIS):

Dept. of Agriculture, Govt. of Telangana issued instructions vide circular no. Crop Ins (2)/140/2016 dated the 15th October 2016 regarding the crops and

25

13th Meeting of SLBC of Telangana State Bank of Hyderabadareas for implementation of PMFBY and WBCIS schemes during Rabi 2016 season.

The important features of the scheme are as under:

The scheme is compulsory to loanee farmers growing notified crops in notified areas and optional for non-loanee farmers.

The sum insured is equallant to scale of finance.

The premium rate is 1.5% for oil seeds, pulses & food crops; and 5% for annual, commercial & horticulture crops i.e., red chilly, onion under PMFBY and Mango (5 years and above plantation) under WBCIS.

The circular has already been circulated among member banks. Copy of the circular is enclosed as Annexure 46.

5.10 Prime Minister Fasal Bhima Yojana (PMFBY) – Notification of Crops and areas:

Dept. of Agriculture, Govt. of Telangana issued communication vide circular no. Crop Ins (2)/140/2016 dated the 11th November 2016 regarding issuance of GO.Rt.no. 777, Agriculture & Co-operation Dept., dated 10th November 2016 for implementation of the village as Insurance Unit Scheme and Mandal Insurance Unit Scheme under Pradhana Manthri Fasal Bhima Yojana during Rabi 2016 season. The GO may be downloaded along with the annexures from the website http://goir.telangana.gov.in .

The communication of the Govt. of Telangana has already been circulated among member banks. Copy of the circular is enclosed as Annexure 47.

5.11 Restructured Weather Based Crop Insurance Scheme (RWBCIS) – Notification of Mango Crop in all districts:

Dept. of Agriculture, Govt. of Telangana issued communication vide circular no. Crop Ins (2)/230/2016 dated the 11th November 2016 regarding issuance of GO.Rt.no. 778, Agriculture & Co-operation Dept., dated 10th November 2016 for implementation of Restructured Weather Based Crop Insurance Scheme (RWBCIS) during Rabi 2016 season. The GO may be downloaded along with the annexures from the website http://goir.telangana.gov.in .

26

http://goir.telangana.gov.in/

http://goir.telangana.gov.in/

13th Meeting of SLBC of Telangana State Bank of HyderabadThe communication of Govt. of Telangana has already been circulated among member banks. Copy of the circular is enclosed as Annexure 48.

5.12 Data submission on Relief measures extended by banks in areas affected by Natural Calamities:

RBI observed that banks have not submitted the data on restructuring of accounts due to natural calamities in the format given by MoF, GoI Lr.No.F.No.2/2/2016-AC dated 17th May 2016.

The data is required to be submitted every quarter by banks. SLBC has been continuously following up with the banks for the data. Controlling authorities of all banks are requested to submit the information to SLBC with 15 days, from the end of the quarter. Copy of the letter on reporting system in respect of relief extended by banks in areas affected by natural calamities is placed as Annexure 49.

5.13 Overdues / NPAs under Agriculture sector as on 30.09.2016 (Rs. In cr)

S.No. Category

Outstanding as on 30.09.16 Overdues (*) as on 30.09.16 NPAs as on 30.09.16

No.of a/cs. Amount

No.of a/cs.

Total Balance in overdue a/cs.

Actual overdue amount

No.of a/cs. Amount

1

Short Term Crop Production Loans 4983810 38885.81 873433 8222.13 4588.07 196463 3785.65

2 Agri. Term Loans 870042 16957.85 152827 3426.25 1633.30 77304 1482.62

3Agri. Infrastructure 16166 1712.86 871 94.63 52.77 715 632.95

4Ancillary activities 10185 7150.98 2703 1584.06 722.80 917 1498.20

3 Total Agriculture 5880203 64707.50 1029834 13327.07 6996.94 275399 7399.42

Overdues in Agriculture segment as at the end of Sept. 2016

27


The level of agriculture overdues at Rs. 6996.94 cr increased by Rs. 1286.42 cr when compared to 31.03.2016.

11.72% of outstanding short term crop loans of Rs. 38885.81 cr are overdues in the books of the banks.

9.33% of outstandings of Agriculture Term Loans (including allied activities, infrastructure and ancillary activities) are overdues in books of the banks.

Overdues in total agriculture advances are at 10.35%.

NPAs in agriculture segment as at the end of Sept. 2016

28


The level of total agriculture NPAs at Rs. 7399.42 cr increased by Rs. 3612.44 cr when compared to 31.03.2016.

9.73% of short term crop loans outstanding of Rs. 38885.81 cr are NPAs in the books of the banks.

14.00% of Agriculture Term Loans (including allied activities, infrastructure and ancillary activities) are NPAs in books of the banks.

NPAs in total agriculture advances are at 11.44%.

Short Term Crop Loan Production Loans – Bank-wise position on overdue position is enclosed as Annexure 32.

Agriculture Term Loans including Allied Activities – Bank-wise position on overdue position is enclosed as Annexure 33.

Indirect Agriculture Term Loans including Allied Activities – Bank-wise position on overdue position is enclosed as Annexure 34.

Total Agriculture Advances – Bank-wise position on overdue position is enclosed as Annexure 35.

29

13th Meeting of SLBC of Telangana State Bank of HyderabadAgenda: 6:

6.1.1Micro, Small & Medium Enterprises (MSME)- Priority Sector (Rs. In cr)

S.No. Particulars

Outstanding as on 31.03.2015


Outstanding as on 30.09.2016 Growth

A/c. Amt. A/c. Amt. A/c. Amt. A/c. Amt.

1Micro Enterprises 372687 13113.25 542002 17985.58 596484 21253.68 54482 3268.10

2Small Enterprises 81488 20445.49 109538 18642.74 103901 21122.44 -5637 2479.70

3 Total SME 454175 33558.74 651540 36628.32 700385 42376.12 48845 5747.84

% of Micro enterprises to total MSE 82.06% 39.08% 83.19% 49.10% 85.17% 50.15% 111.54% 56.86%

5% of Small enterprises to total MSE 17.94% 60.92% 16.81% 50.90% 14.83% 49.85% -11.54% 43.14%

6Medium Enterprises 0 0 98288 7430.75 100830 8007.50 2542 576.75

7% of Medium enterprises to total MSME advances 0.00% 0.00% 13.11% 16.87% 12.58% 15.89% 4.95% 9.12%

8Total MSME advances 454175 33558.74 749828 44059.07 801215 50383.62 51387 6324.55

MSME – Priority Sector:

During the year, advances to Micro enterprises grew by Rs. 3268.10 cr and stood at Rs. 21253.68 cr as at the end of Sept. 2016.

During the year, advances to Small enterprises grew by Rs. 2479.70 cr and stood at Rs. 21122.44 cr.

During the year, SME advances grew by Rs. 5747.80 cr and stood at Rs.42376.12 cr.

During the year under review, Medium Enterprises registered a growth of Rs. 576.75 cr and stood at Rs. 8007.50 cr.

MSME segment grew by Rs. 6327.55 cr during the year under review.

30


6.1.2Micro, Small & Medium Enterprises (MSME)- Non-Priority Sector

(Rs. In cr)

S.No. Particulars Outstanding as on

31.03.2015Outstanding as on

31.03.2016Outstanding as on

30.09.2016 GrowthA/c. Amt. A/c. Amt. A/c. Amt. A/c. Amt.

1 Micro Enterprises 161456 5752.15 89657 11392.99 139752 12916.20 50095 1523.21

2 Small Enterprises 71906 1872.01 248471 18397.74 317073 18582.28 68602 184.54

3Total SME 233362 7624.16 338128 29790.73 456825 31498.48

118697 1707.75

4 % of Micro enterprises to total MSE 69.19% 75.45% 26.52% 38.24% 30.59% 41.01%

42.20% 89.19%

5 % of Small enterprises to total MSE 30.81% 24.55% 73.48% 61.76% 69.41% 58.99%

57.80% 10.81%

6 Medium Enterprises 93717

10161.48 6976 7988.58 6278 7733.38 -698 -255.20

7 % of Medium enterprises to total MSME advances 28.65% 57.13% 2.02% 21.15% 1.36% 19.71% -0.59% -17.57%

8 Total MSME advances 327079

17785.64 345104 37779.31 463103 39231.86

117999 1452.55

MSME – Non-Priority Sector:




During the year under review, Medium Enterprises registered a negative growth of Rs. -255.20 cr and stood at Rs. 7733.88 cr.


31


6.1.3Micro, Small & Medium Enterprises (MSME) Sector(Priority & Non-priority) (Rs. In cr)

S.No. Particulars Outstanding as

on 31.03.2015Outstanding as on 31.03.2016


A/c. Amt. A/c. Amt. A/c. Amt.1 Micro

Enterprises 53414318865.4

0 63165929378.5

8 73623634169.8

82 Small

Enterprises 15339422317.5

0 35800937040.4

8 42097439704.7

23 Total SME 687537

41182.90 989668

66419.06

1157210

73874.60

4 % of Micro enterprises to total MSE 77.69% 45.81% 63.83% 44.23% 63.62% 46.25%

5 % of Small enterprises to total MSE 22.31% 54.19% 36.17% 55.77% 36.38% 53.75%

6 Medium Enterprises 93717

10161.48 105264

15419.33 107058

15740.88

7 % of Medium enterprises to total MSME advances 12.00% 19.79% 9.61% 18.84% 8.47% 17.56%

8 Total MSME advances 781254

51344.38

1094932

81838.39

1264268

89615.48

Comparative position of MSME advances: (Rs. In cr)

32





During the year under review, Medium Enterprises registered a growth of Rs. 321.55 cr and stood at Rs. 15740.88 cr.


Category-wise total MSME advances.

6.2 Overdue/NPAs under MSME Sector as on 30.09.2016 (Rs. In cr.)33


S. No. Particulars

Outstanding Overdues NPAs

A/c. Amt.

No. of over-due A/c.

Total Balance in overdue accounts

Actual over-due amt.

No. of A/c. Amt.

1Micro 736236 34169.88 139608 4404.72

2273.03(6.65%) 2149

2028.81(5.94%)

2Small 420974 39704.72 16704 6126.23

2875.89(7.24%) 5654

3611.69(9.10%)

3Total MSE 1157210 73874.60 156312 10530.95

5148.92(6.97%) 77803

5640.50(7.64%)

4Medium 107058 15740.88 2804 3065.36

1707.83(10.85%) 739

2475.84(15.73%

)4

Total MSME 1264268 89615.48 159116 13596.316856.75(7.65%) 78542

8116.34(9.06%)

Overdues under MSME segment:

Overdues under Micro Enterprises constitute 6.65% of its outstandings. Overdues under Small Enterprises constitute 7.24% of its outstandings.

Overdues under MSE segment advances constitute 6.97% of its outstandings.

Overues of Medium enterprises constitute 10.85% of its outstandings.

Overdues under MSME segment constitute 7.65% of its outstandings.NPAs under MSME segment:

34


NPAs under MSME segment at Rs. 8116.34 cr as on 30/09/2016 increased by Rs. 1567.46 cr when compared to 31st March 2016.

NPAs under Micro Enterprises constitute 5.94% of its outstandings.

NPAs under Small Enterprises constitute 9.10% of its outstandings.

NPAs under MSE segment advances constitute 7.64% of its outstandings.

NPAs under Medium enterprises constitute 15.73% of its outstandings.

NPAs of MSME segment constitute 9.06% of its outstandings.

Bank-wise position on Micro; Small & Medium Enterprises (MSME) advances is enclosed as Annexure 13.

Micro & Small Enterprises – Bank Wise position of overdue / NPAs is enclosed as Annexure 36.

6.3 Prime Minister’s Task Force Recommendations:Compliance to PM TASK FORCE RECOMMENDATIONS NORM % ACTUAL %Banks are advised to achieve a 20 percent year-on-year growth in credit to micro & small enterprises (Sep’ 2015- Sep’ 2016)

20 33.23%

10 percent annual growth in the number of micro enterprise accounts

10 38.55%

40 percent of the total advances to MSE sector should go to micro(manufacturing) enterprises with investment in plant and machinery upto Rs 10 lac and micro (service) enterprises having investment in equipment upto Rs 4 lac

40 30.54%

20 percent of the total advances to MSE sector should go to micro(manufacturing) enterprises with investment in plant and machinery above Rs 10 lac and upto Rs 25 lac and micro (service) enterprises having investment in equipment above Rs 4 lac and upto Rs 10 lac

20 20.06%

60 percent of MSE advances should go to the micro enterprises. 60 47.71%

35

13th Meeting of SLBC of Telangana State Bank of HyderabadAllocation of 60% of the MSE advances to the micro enterprises is to be achieved in stages

6.4 PMEGP :

The performance of banks under PMEGP is furnished as under: (Rs. In lac)Sr. No

Agency TARGET-2016-17 Achievement up to Sept’ 2016

No.of Projects

Margin Money

Emp. (Nos)

No.of Projects

Margin Money

Empl. (Nos)

1 KVIC SO Hyd. 428 856.33 3424 141 512.57 1757

2 KVIB 428 856.32 3424 76 315.06 7923 DIC 571 1141.76 4568 86 246.78 454 TOTAL 1427 2854.41 11416 303 1074.41 3003

During the year 2016-17, achievement in no. of projects is 303 with an amount of Rs. 1074.41 lac against a target of 1427 projects and an outlay of Rs. 2854.41 lac.

6.4.1Operating PMEGP online portal by financing banks:Ministry of MSME, Govt. Of India has launched PMEGP online portal from 1st

July 2016 whereby all the processes involved in implementation of PMEGP are made online starting from filling application to margin money sanction, disbursement, etc.

KVIC, New Delhi, vide letter no. PMEGP/MM/Online E-portal/2016-17 dated 27th August 2016 has advised banks to submit viz., IFS code, bank name, branch name, etc. through email [email protected] to receive branch email id and password. All the controlling authorities of banks are advised to submit the details to KVIC through the above portal. Copy of the letter is enclosed as Annexure 50.

6.4.2Submission of Pending MM claims by banks:KVIC has advised that all pending MM claims with the financing bank branches should submit the claims to State KVIC / Divisional Office along with certificate / undertaking and Transient Account number for uploading

36

mailto:[email protected]

13th Meeting of SLBC of Telangana State Bank of Hyderabadthe claims in Corporation Bank portal for release of MM subsidy to the financing bank.

Further, it is informed that a check list has been circulated to ensure that all the documents along with MM claim formats are submitted to the KVIC office.

In view of the revised procedure, all controlling authorities of banks to instruct branches / offices functioning under their control to submit MM claims of PMEGP with all the relevant papers / certificates / undertaking in the prescribed format and the Transient Account Number duly signed by the Branch Manager to the implementing agencies such as KVIC/ KVIB / DIC for necessary uploading the MM claims in the Corporation Bank, Mumbai portal by KVIC. Copy of the letter is enclosed as Annexure 51.

6.5.1Pradhan Manthri Mudra Yojana (PMMY):Bank-wise performance as the end of Sept’ 2016 under PMMY is enclosed as Annexure no. 46. The performance of banks as on 04/11/2016 is shown hereunder. (Rs. In cr)

Shishu Kishore Tarun TotalDisbursed Disbursed Disbursed Disbursed

No. of A/cs. Amt.

No. of A/cs. Amt.

No. of A/cs. Amt.

No. of A/cs. Amt.

66880 201.91 41847 74.50 6466 467.81 115193 1404.22

6.5.2 District-wise Mudra performance as on 4 th November 2016 Rs. In cr

Sr No

State/District

Shishu Kishore Tarun Total

No Of A/Cs

Sanctioned Amt

Disbursement Amt

No Of A/Cs

Sanctioned Amt

Disbursement Amt

No Of

A/Cs

Sanctioned Amt

Disbursement Amt

No Of A/Cs

Sanctioned Amt

Disbursement

Amt

1 Adilabad 5581 20.61 20.19 3231 52.53 50.08 256 20.18 19.88 9068 93.32 90.15

2Hyderabad 9518 19.26 18.46 7226 145.36 138.64 2096 150.93 147.4 18840 315.55 304.51

3Karimnagar 7100 22.64 21.77 4201 75.71 73.48 432 35.44 34.39 11733 133.8 129.64

4Khammam 5412 17.85 17.07 2428 44.07 42 463 38.04 37.48 8303 99.96 96.54

5Mahbubnagar 8495 28.9 27.71 3637 60.36 56.48 501 35.64 28.92 12633 124.9 113.11

6 Medak 4949 16.83 16.49 2765 53.58 52.02 277 21.49 20.96 7991 91.9 89.46

7 Nalgonda 6422 21.83 21.19 4335 75.28 72.02 545 39.86 39.34 11302 136.97 132.55

8Nizamabad 4709 15.74 15.19 3589 62.65 59.9 228 17.95 16.84 8526 96.34 91.93

37


9Rangareddy 7812 24.69 23.69 6720 132.25 127.36 1173 87.93 85.3 15705 244.87 236.35

10 Warangal 6882 22.18 20.15 3715 66.12 62.51 495 45.74 37.3 11092 134.03 119.96

Total 66880 210.53 201.91 41847 767.91 734.49 6466 493.20 467.81 115193 1471.64 1404.20

Under Shishu category, Banks in the State have financed 666880 borrowers amounting to Rs. 210.53 cr and disbursed an amount of Rs. 201.91 cr.

Under Kishore category, banks have sanctioned loans to 41847 borrowers amounting to Rs. 767.91 cr and disbursed an amount of Rs. 734.49 cr.

Under Tarun category, banks have sanctioned loans to 6466 borrowers amounting to Rs. 493.20 cr and disbursed an amount of Rs. 467.81 cr.

Banks together under three categories have sanctioned loans to 115193 borrowers amounting to Rs. 1471.64 cr and disbursed an amount of Rs. 1404.20 cr.

6.5.3 Sector-wise performance under Mudra Scheme (PMMY)(Rs. In cr)

Category Shishu Kishore Tarun TotalDisbursed Disbursed Disbursed Disbursed

No. of A/cs. Amt.

No. of A/cs. Amt.

No. of A/cs. Amt.

No. of A/cs. Amt.

Public Sector 36811 103.27 36398 642.81 5338 390.55 77847 1136.64Private Sector 11048 35.38 2742 54.82 978 67.81 14768 158.01RRBs 15209 60.93 2578 35.91 146 9.10 17933 105.94Others 3812 2.33 129 0.96 4 0.35 4645 3.63Total 66880 201.91 41847 734.50 6466 467.81 115193 1404.22

(Source: PMMY-Mission Office)

6.5.4 Mudra Scheme – Sanctions to various categories

Sr No

Category

Shishu Kishore Tarun

Total(Loans up to Rs. 50,000)

(Loans from Rs. 50,001 to Rs. 5.00

Lakh)

(Loans from Rs. 5.00 to Rs. 10.00

Lakh)

No Of A/Cs

Sanctioned Amt

No Of A/Cs

Sanctioned Amt

No Of

A/CsSanctioned

AmtNo Of A/Cs

Sanctioned Amt

1 General4131

6 133.893010

6 594.88 5507 419.54 76929 1148.312 SC 6290 16.67 2586 35.79 182 12.58 9058 65.043 ST 3876 11.15 1392 19.76 245 17.02 5513 47.93

4 OBC1539

8 48.82 7763 117.49 532 44.04 23693 210.355 Total 6688 210.53 4184 767.92 6466 493.18 11519 1471.63

38


0 7 3 Out of Above

aWomen Entrepreneurs

20939 56.67

10174 185.78 775 56.96 31888 299.41

B Minority 5434 16.45 3202 49.27 323 23.14 8959 88.86

C PMJDY OD Account 2894 3.61 0 0.00 0 0.00 2894 3.61

D

Other Govt. Sponsored Prog. 5744 18.45 4579 95.28 1292 109.00 11615 222.73

Loans sanctioned to 31888 women beneficiaries are at Rs. 299.41 cr. Loans sanctioned to 8959 minority category beneficiaries are at Rs.88.86

cr Loans sanctioned to 2894 PMJDY OD account holders are at Rs.3.61 cr. Loans sanctioned to 11615 beneficiaries under various Govt. Sponsored

schemes are at Rs. 222.73 cr.6.5.5 Mudra Scheme – Performance of top 10 banks:

(Rs. In cr)

Sr No Bank Name

Shishu Kishore Tarun

Total(Loans up to Rs. 50,000)

(Loans from Rs. 50,001 to Rs. 5.00

Lakh)

(Loans from Rs. 5.00 to Rs. 10.00

Lakh)No Of A/Cs

Disburse-ment Amt

No Of A/Cs

Disburse-ment Amt

No Of A/Cs

Disburse-ment Amt

No Of A/Cs

Disburse-ment Amt

1 SBH 9474 26.95 10681 233.95 1845 151.83 22000 412.742 Andhra Bank 8504 21.37 5806 84.33 465 34.96 14775 140.663 Syndicate Bank 2443 7.23 3152 57.1 444 28.27 6039 92.614 Canara Bank 3814 13.49 3398 54.18 243 18.48 7455 86.165 ICICI Bank 10914 34.87 298 10.25 446 31.05 11658 76.176 State Bank of India 1681 6.45 1181 18.58 537 36.03 3399 61.067 TGB 8138 32.64 1990 24.12 28 2.04 10156 58.88 APGVB 7071 28.29 588 11.79 118 7.06 7777 47.149 Vijaya Bank 1636 4.91 2034 28.81 207 12.78 3877 46.49

10 Union Bank of India 901 2.47 1234 20.01 221 14.14 2356 36.62 State Bank of Hyderabad has disbursed an amount of Rs. 412.74 cr to

22000 beneficiaries. Andhra Bank has disbursed an amount of Rs. 140.66 cr to 14775

beneficiaries. Syndicate Bank has disbursed an amount of Rs. 92.61 cr to 6039

beneficiaries. Canara Bank has disbursed an amount of Rs. 86.16 cr to 7455

beneficiaries

39

13th Meeting of SLBC of Telangana State Bank of Hyderabad ICICI Bank has disbursed an amount of Rs. 76.17 cr to 11658

beneficiaries. State Bank of India has disbursed an amount of Rs. 61.06 cr to 3399

beneficiaries. Telangana Grameena Bank has disbursed an amount of Rs. 58.80 cr to

10156beneficiaries. Andhra Pradesh Grameena Vikas Bank has disbursed an amount of Rs.

47.14 cr to 7777 beneficiaries. Vijaya Bank has disbursed an amount of Rs. 46.49 cr to 3877

beneficiaries. Union Bank of India has disbursed an amount of Rs. 36.62 cr to 2356

beneficiaries. Union Bank of India has disbursed an amount of Rs. 33.76 cr to 2205

beneficiaries.

6.6 Pradhan Manthri Stand-up India Scheme:

The performance under PM’s Stand-up India Scheme as at the end of Sept. 2016 is as under: (Rs. In cr)

DISTRICT No. of Applications

Sanctioned Amount

Disbursed Amount

ADILABAD 20 3.76 3.07HYDERABAD 310 72.04 39.51KARIMNAGAR 39 7.84 3.94KHAMMAM 20 3.17 1.77MAHABUBNAGAR 15 3.24 1.87MEDAK 28 5.07 2.31NALGONDA 19 3.96 2.84NIZAMABAD 22 3.41 1.54RANGA REDDY 72 16.7 5.92WARANGAL 68 14.56 11.62TOTAL 613 133.79 74.45

During the quarter ,under Pradhan Manthri Stand Up India programme, Banks in the state of Telangana have sanctioned loans to 613 beneficiaries amounting to Rs. 133.79 cr and disbursed an amount of Rs. 74.45 cr.

Performance - Top Banks (Rs. in Crore)

40


Bank No. of Applications

Sanctioned Amount

Disbursed Amount

Andhra Bank 256 51.33 22.9State Bank of Hyderabad 140 14.81 11.82

Punjab National Bank 81 13.37 5.62HDFC Bank 113 26.04 26.04Syndicate Bank 17 4.79 3.23

6.7 CGTMSE Scheme – Progress made by banks during the year up to 30/09/2016

The performance under CGTSME scheme as at the end of Sept’ 2016 is as

under: (Rs. In lac)

S.No District Name During the year 16-17 During the quarter

Sept’16 Proposal

sApproved

AmtProposal

sApproved

Amt1 ADILABAD 242 787.16 82 240.142 HYDERABAD 3185 14606.90 1314 6531.293 KARIMNAGAR 462 1551.30 267 983.644 KHAMMAM 231 671.95 104 280.065 MAHBUBNAGAR 500 1118.13 183 489.586 MEDAK 318 1169.28 104 617.877 NALGONDA 622 1591.22 278 823.548 NIZAMABAD 302 629.33 93 249.479 RANGAREDDY 1677 9946.57 764 4661.34

10 WARANGAL 304 1943.24 90 639.60 TOTAL 7844 34015.08 3279 15516.53

To create more awareness on CGTMSE, the Controlling Authorities of all Banks in Telangana states are advised to:

Sensitize the Branch Managers to extend coverage of all new eligible micro & small units under the scheme.

Display at bank branches on the availability of collateral free loans. Acknowledge all loan applications. Have monitorable action plan as suggested by Reserve Bank of India.

Agenda: 7: Housing Loans41

13th Meeting of SLBC of Telangana State Bank of Hyderabad7.1 Position as on 30.09.2016 (under Priority & Non-Priority

sector)(Rs. In cr)

Period Outstanding Disbursement during the quarter (01/07/16 to

30/09/16)


to 30/09/16)

No. Amount No. Amount No. AmountPriority Sector

293478 23755.94 7919 1216.60 18244 1975.59

Non-priority sector

82122 21096.79 3979 1311.59 22746 2697.68

Total 375600 44852.73 11898 2528.19 40990 4673.27

Under Priority Sector Advances:

During the quarter under review, banks in the State of Telangana have disbursed Rs. 1216.60 cr under Housing loans portfolio.

During the year up to Sept., 2016 banks have disbursed an amount of Rs. 1975.59 cr towards housing loans.

Under Non-Priority Sector Advances: During the quarter under review, banks in Telangana have disbursed an

amount of Rs. 402.83 cr towards housing loans During the year upto Sept., 2016, banks have disbursed an amount of Rs.

2378.42 cr to 50377 housing loan borrowers.Total : (Priority & Non-priority sector): During the quarter under review, banks in Telangana have disbursed an

amount of Rs. 2528.19 cr towards housing loans During the year upto Sept., 2016, banks have disbursed an amount of Rs.

4673.27 cr to 40990 housing loan borrowers. Bank wise position of Housing loans as on 30.09.16 is given in the

Annexure 14.

7.2 Overdue/NPAs under Housing Loans as on 30.09.2016 (Rs. In cr)

S.No. Housing Outstanding Overdues NPAs42


Loans A/c. AmtNo. of overdue A/c.

Total Balance in overdue a/c.


No.of A/c. Amount

1 Priority Sector 293478 23755.94 46127 2842.18

333.10(1.40%) 41011

624.52(2.63%)

2 Non-priority sector 82122 21096.79 11099 1531.21

298.79(1.41%) 1153

497.11(2.36%)

3Total 375600 44852.73 57226 4373.39

631.89(1.41%) 42164

1121.63(2.50%)

Housing loans - Priority Sector:

Overdue amount under Housing loans at Rs. 333.10 cr constitute 1.40% of total outstandings. Overdues have decreased during the quarter under review by Rs. 47.24 cr.

NPAs with an amount of Rs. 624.52 cr constitute 2.63% of the Housing Loans outstanding. NPAs have registered an increase of Rs. 176.93 cr when compared to June 2016.

Housing loans – Non-priority sector: Overdue amount under Housing loans at Rs. 298.79 cr constitute 1.41%

of total outstandings. Overdues have increased during the quarter under review by Rs. 140.99 cr.


Total Housing loans: Overdue amount under Housing loans at Rs. 631.89 cr constitute 1.41%

of total outstandings. Overdues have increased during the quarter under review by Rs. 93.75 cr.


Bank wise position on overdue / NPAs as on 30.09.2016 is given in the Annexure 42.

43


7.3 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.

The Credit Linked Subsidy Scheme (CLSS) for Housing for All (Urban) Mission of Pradhan Manthri Awas Yojana (PMAY) was launched by the Hon’ble Prime Minister. The ‘Housing for All’ Mission for urban area has become effective from 17th June 2016 and will be implemented upto 31st March 2022.

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 interest subsidy at the rate of 6.5% for tenure of 15 years or during tenure of loan whichever is lower. The Net Present Value (NPV) of the interest subsidy will be calculated at a discount rate of 9%.

The credit linked subsidy will be available only for loan amounts upto Rs.6 lac and additional loans beyond Rs.6 lac, if any, will be at non-subsidized rate. Interest subsidy will be credited upfront to the loan account of beneficiaries through lending institutions resulting in reduced effective housing loan and Equated Monthly Instalment (EMI).

Credit linked subsidy would be available for housing loans availed for new construction and addition of rooms, kitchen, toilet etc. to existing dwellings as incremental housing.

The carpet area of houses being constructed under this component of the mission should be upto 30 sqare meters and 60 square meters for EWS and LIG, respectively in order to avail of this credit linked subsidy. The beneficiary, at his/her discretion, can build a house of larger area but interest subvention would be limited to first Rs.6 lac only.

44

13th Meeting of SLBC of Telangana State Bank of HyderabadDoF, 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. All the members are requested to submit progress on the above scheme to SLBC every quarter to review the same in the SLBC meetings.

Agenda – 8:

Education Loans

8.1 Position as on 30.09.2016 (Priority & Non-priority Sectors):(Rs. In cr)


30/09/16)


to 30/09/16)

No. Amount No. Amount No. AmountPriority Sector

87773 4605.67 4854 256.76 9353 371.78

Non-priority sector

13342 1698.87 930 67.47 2018 122.18

Total 101115 6304.54 5784 324.23 11371 493.96

Under Priority Sector Advances:

During the quarter under review, banks in the State have disbursed education loans to the extent of Rs. 256.76 cr.

During the year up to Sept., 2016, banks have disbursed an amount of Rs. 371.78 cr under education loans category

Under Non-Priority Sector Advances: During the quarter under review, banks in Telangana have disbursed an

amount of Rs. 67.47 cr towards education loans During the year upto Sept., 2016, banks have disbursed an amount of Rs.

122.18 cr to 2018 beneficiaries towards education loans.Total : (Priority & Non-priority sector):

45

13th Meeting of SLBC of Telangana State Bank of Hyderabad During the quarter under review, banks in Telangana have disbursed an

amount of Rs. 324.23 cr towards education loans During the year upto Sept., 2016, banks have disbursed an amount of Rs.

493.96 cr to 11371 towards education loans.8.2 Overdue/NPAs under Education Loans as on 30.09.2016

(Rs. In cr)

S.No. Education Loans


A/c. AmtNo. of overdue A/c.



No.of A/c. Amount

1 Priority Sector 87773 4605.67 14508 510.18

111.57 (2.42%) 6118

116.19 (2.52%)

2 Non-priority sector 13349 1719.11 869 128.79

62.18 (3.61%) 347

66.66 (3.90%)

3Total 99122 6324.78 15377 638.97

173.75 (2.75%) 6465

182.85 (2.89%)

Education loans - Priority Sector:

Overdue amount under education loans at Rs. 111.57 cr constitute 2.42% of total outstandings. Overdues increased by Rs.5.44 cr during the quarter under review.

NPAs with an amount of Rs. 116.19 cr constitute 2.52% of the education loan outstanding. NPAs have registered a decrease of Rs. 15.23 cr during the quarter.

Education loans – Non-priority sector: Overdue amount under education loans at Rs. 62.18 cr constitute 3.61%

of total outstandings. Overdues increased by Rs.46.82 cr during the quarter under review.

NPAs with an amount of Rs. 66.66 cr constitute 3.90% of the education Loans outstanding. NPAs have registered an increase of Rs. 43.60 cr during the quarter.

Total Housing loans:

46

13th Meeting of SLBC of Telangana State Bank of Hyderabad Overdue amount under education loans at Rs. 173.75 cr constitute 2.75%

of total outstandings. Overdues increased by Rs.52.26 cr during the quarter under review.

NPAs with an amount of Rs. 182.85 cr constitute 2.89% of the education Loans outstanding. NPAs have registered an increase by Rs. 28.37 cr during the quarter.

Bank-wise position as on 30.09.2016 is given in the Annexure 15. Bank-wise targets & disbursements are given in the Annexure 16.

Bank-wise position on overdue . NPAs as on 30.09.2016 is given in the Annexure 41.

Agenda – 9:

9.1 Credit flow to Minority Communities : The position of credit to minority communities as on 30.09.2016 is as under:

(Rs. In cr)Period Outstanding Disbursement during the

quarter (01/07/16 to 30/09/16)


to 30/09/16)


During the current financial year, banks have lent Rs. 1377.44 cr to 101361 beneficiaries belonging to minority communities.

Loan outstandings to minorities are at 7.20% of total priority sector advances.

Bank wise position as on 30.09.2016 is given in the Annexure 18.

9.2 Overdue/NPAs under loans to Minorities as on 30.09.2016 (Rs. In cr)

S.No.

Particu-lars





No.of A/c. Amount

1 Loans to Minorities

917256 10519.57 151262 2151.72 1369.95(13.02%

86492 1222.52(11.62%)

47


)

13.02% of the loan outstanding to minorities are overdues in the books of the banks

Similarly 11.62% of the loan outstandings to minorities are NPAs.

Agenda – 10:

10.1 Credit flow to Weaker sections :The position of credit flow to weaker sections as on 30.09.2016 is as under: (Rs. In cr)


30/09/16)


to 30/09/16)


During the quarter under review, Rs. 6192.67 cr has been disbursed to 337500 weaker section beneficiaries.

During the year upto Sep., 2016, bank have disbursed Rs.10334.39 cr to 1163806 beneficiaries.

Advances extended to weaker sections constitute 2.47% of total advances.


10.2 Overdue/NPAs under loans to Weaker Sections as on 30.09.2016

(Rs. In cr)

S.No.

Particu-lars





No.of A/c. Amount

1 Loans to Weaker Sections

3800064 40030.35 744980 5641.48 2825.19(7.08%) 228689 2261.47

(5.65%)

48

13th Meeting of SLBC of Telangana State Bank of Hyderabad 7.08% of the loan outstanding to weaker sections are overdues in the

books of the banks. The level of NPAs at Rs.2261.47 cr constitute 5.65% of outstanding loans

to weaker sections.

During the quarter under review, overdues increased by Rs.51.76 cr.

NPAs have shown an increase of Rs. 560.28 cr during the quarter under review.

Agenda – 11:

11.1 Credit Flow to Scheduled Castes/Scheduled Tribes :

The position of credit flow to SC/STs as on 30.09.2016 is as under: (Rs. In cr)


30/09/16)


to 30/09/16)


During the quarter under review, banks have extended financial assistance to 231003 borrowers with an outlay of Rs. 1740.20 cr.

During the year up to Sep;16, banks have disbursed an amount of Rs.2892.43 cr to 404909 borrowers.

The total loan outstandings to SC/ST beneficiaries constitute 7.45% of Priority sector advances and 2.60% of total advances.


11.2 Overdue/NPAs position to SC/ST beneficiaries as on 30.09.2016:

(Rs. In cr)S. Particu-lars Outstanding Overdues NPAs

49


No. A/c. Amt

No. of overdue A/c.



No.of A/c. Amount

1 Loans to SC/ST beneficiaries

1303112 10897.56 215379 1661.01 605.54(5.56%) 89868 398.93

(3.66%)

5.56% of the loan outstanding to SC/STs are overdues in the books of the banks.

Similarly, 3.66% of loan outstandings i.e., Rs. 398.93 cr are NPAs in the books of the banks.

Agenda – 12:

12.1 Credit flow to Women beneficiaries:

The position of credit flow to women as on 30.09.2016 is as under: (Rs. In cr)


30/09/16)


to 30/09/16)


During the quarter under review, banks have disbursed loans amounting to Rs.3732.78 cr to 363498 women beneficiaries.

During the year up to Sep’2016, banks have disbursed an amount of Rs.6545.03 cr to 637646 women beneficiaries.

Total loan outstanding as the end of Sept. 2016 to women beneficiaries at Rs. 27364.13 cr constitute 6.53% of total advances and 18.72% of priority sector advances.


50

13th Meeting of SLBC of Telangana State Bank of Hyderabad12.2 Overdue/NPAs under loans to women as on 30.09.2016 (Rs. In

lac)

S.No.

Particu-lars





No.of A/c. Amount

1 Loans to Women beneficiaries

2379623 27364.13 433013 5753.00 2111.09(7.71%) 151591 1812.53

(6.62%)

7.71% of outstanding loans to women beneficiaries are overdues whereas 6.62% of outstanding loans to women beneficiaries are NPAs in the books of the banks.

Agenda -13:

Position of implementation of Government sponsored schemes during the financial year 2016-17:

Government of India schemes:

13.1 National Rural Livelihood Mission (NRLM)

SHG-Bank linkage programme – position as on 30.09.2016

The position of SHG-Bank Linkage as on 30.09.2016 is as under: (Rs. In cr)


30/09/16)


to 30/09/16)


Bank-wise position as on 30.09.2016 is given in the Annexure 24.

13.2 Overdue / NPA position (NRLM) as on 30.09.2016 (Rs. In cr)

51


S.No. Particu-lars





No.of A/c. Amount

1NRLM 250556 3550.60 37660 632.08 204.29

(5.75%) 14471 140.75(3.96%)

5.75% of loans under NRLM are overdues in the books of banks. 3.96% of loan outstandings i.e., Rs. 140.75 cr are NPAs in the books of

banks.

Bank-wise linkages – Overdue / NPAs position is given in the Annexure 23.

13.3 National Urban Livelihood Mission (NULM):

The targets for the year 2016-17 have been sent to all the banks for implementation. All the member banks are requested to achieve the targets under NULM for the year 2016-17. The bank-wise targets are enclosed as Annexure No. 52.

13.4 SHG-Bank linkage under NULM programme – position as on 30.09.2016

The position of SHG-Bank Linkage as on 30.09.2016 is as under: (Rs. In cr)Period Outstanding Disbursement during the

quarter (01/07/16 to 30/09/16)


to 30/09/16)


Bank-wise position as on 30.09.2016 is given in the Annexure 43.

13.5 Overdue / NPA position (NULM) as on 30.09.2016 (Rs. In cr)

S.No. Particu-lars





No.of A/c. Amount

1 NULM 15432 540.02 2092 10.90 5.75 1468 7.55

52


(1.06%) (1.40%)

1.06% of loans under NULM are overdues in the books of banks. 1.40% of loan outstandings i.e., Rs. 7.55 cr are NPAs in the books of

banks.

Bank-wise linkages – Overdue / NPAs position is given in the Annexure 43

13.6 Position of implementation of Government sponsored schemes during the financial year 2016-17 – Central Government: (Rs. In cr.)

Scheme


Disbursements during the quarter from 01.07.16 to 30.09.16

Disbursement during the year 01.04.16 to 30.09.16

No.of a/cs Amount

No.of A/cs Amount

No.of A/cs Amount

1

Central Government Sponsored Schemes (total of i to x)

318707 4908.53 19420 574.13 35974 970.05

I SGSY / NRLM 250556 3550.60 17775 523.70 30040 837.77Ii SJSRY / NULM 15432 540.02 392 36.09 3403 100.43Iii PMRY / PMEGP 29934 594.87 732 10.09 1508 22.37Vii ISHUP / RRY 746 7.42 0 0 1 0.14

ViiiAgri Clinics / Agri Business Centres 737 15.17 4 0.09 12 0.63

IxDairy Entrepreneurship Development Scheme 21008 197.53 514 4.15

1001 8.61

XRenewable Sources of Energy 177 1.66 3 0.02 9 0.10

XiFarmer Producer Organisation 117 1.27 0 0.00

0 0

13.7 Credit flow under DRI scheme

DRI scheme as on 30.09.2016 (Rs. In cr)Period Outstanding Disbursement during the

quarter (01/07/16 to 30/09/16)


to 30/09/16)


During the year up to Sept., 2016, banks have sanctioned Rs. 5.02 cr under DRI scheme.

53

13th Meeting of SLBC of Telangana State Bank of Hyderabad Bank-wise position as on 30.09.2016 is given in the Annexure 22.

13.8 Overdue / NPA position as on 30.09.2016 (Rs. In cr)

S.No. Particu-lars





No. of A/c. Amount

1DRI

22391 39.01 8185 11.075.62

(14.41%)

3817 5.42(13.89%)

13.89% of loans under DRI scheme are NPAs in the books of banks whereas 14.41% of loan outstandings are overdues.

Agenda - 14: Position of implementation of Government sponsored schemes during the financial year 2016-17 – Government of Telangana schemes:

14.1.Targets – 2016-17 (all State Govt. Sponsored Schemes): District wise targets have been sent to respective Lead District Managers and accordingly, LDMs were allocated the same to banks.

14.2 State Govt. Sponsored schemes (all schemes) (Rs. In cr)Period Outstanding Disbursement during the

quarter (01/07/16 to 30/09/16)


to 30/09/16)


During the quarter under review, banks have financed 98694 beneficiaries with an outlay of Rs. 2363.18 cr.

During the year up to Sept., 2016, banks have disbursed an amount of Rs.4817.17 cr to 217733 beneficiaries.

14.3 Performance of Govt. Sponsored schemes: (Rs. In cr)

Scheme


Disbursements from 01.04.16 to 30.09.16

No.of a/cs AmountNo.of A/cs Amount

2State Government Sponsored Schemes (Total of i to xx)

54


i APMIP 9778 524.73 44 0.20ii RKVY 2123 17.99 58 0.51

iii Water Resources Development 1665 14.42 2 0.01

ivAnimal husbandry / Milch Animal Units (including Pasukarnthi Pathakam) 31721 167.19 323 2.60

vSheeep & Goat (including Jeevakranthi Pathakam) 9802 64.10 303 3.87

vi Fisheries - GSS 1512 96.63 12 0.18

vii Horticulture 1563 81.73 132 9.34

viii Poly-house 89 11.63 144 39.52ix Sericulture 1195 10.78 9 0.56

x SERP (SHG Bank Linkage - Rural) 254447 4483.54 30494 820.77xi MEPMA (SHG Bank Linkage -Urban) 83739 1501.85 10670 267.25

xii Weavers Credit Cards 2235 14.65 171 1.38xiii Handloom Weavers Groups 2395 23.03 12 0.27xiv S.C.Action Plan 478386 1067.54 4236 32.23xv S.T.Action Plan 98526 435.56 2606 16.03

xvi B.C.Action Plan 340313 1315.15 2224 17.40

xvii Minorities Finance Corpn. 78387 461.76 1197 15.82xviii Christian Finance Corpn. 26774 267.09 262 2.36

xviiii Rajiv Gruhakalpa 22291 219.35 92 1.59

xx VAMBAY 5073 72.18 115 1.33

xxi Rajiv Yuva Sakthi 27336 103.15 254 2.75

xxii Renewable Sources of Energy 304 0.85 17 0.13

xxiiiEconomic Rehabilitation Scheme for Disabled 468 3.91 43 0.60

xxiv Others 1326040 39393.67 164313 3580.46

Bank wise / scheme-wise (some) position as on 30.09.2016 is given in the Annexures no. 25, 26, 27, 28, 29, 30, 31.

14.3.1 Fisheries: Achievement as on 30.09.2016(Rs. in lac)

55


Total Credit proposed for Govt. sponsored

schemes in the credit plan

Credit extended to Govt. sponsored

schemesDirect loans to Fisheries

sector by the Banks

Rs. 11534.00 Nil 9663.15

14.3.2 TS. Backward Classes Co-op. Finance Corporation- Performance

as on 30.09.2016:(Rs. in cr)

Name of the District

Annual Targets Applications received Achievement under RAY

No. of beneficia

-ries

Subsidy amount

No. of units

No. of benefici

-ries

% to target

No. of beneficia

-ries

Subsidy amount release

d

Adilabad 1407 1289.99 6370 6370 22 450 357.20

Hyderabad 740 700.00 4589 4589 16 481 428.58

Karimnagar 2303 2105.16 21323 21323 11 874 644.30

Khammam 1174 1077.70 12291 12291 10 503 284.99

Mahabubnagar

2250 2054.25 22137 22137 10 1071 703.10

Medak 1664 1523.02 4697 4697 35 671 525.74

Nalgonda 1930 1764.29 19309 19309 10 629 444.15

Nizamabad 1403 1286.73 8687 8687 16 659 521.59

Rangareddy 2067 1894.76 5118 5118 40 1022 733.90

Warangal 1971 1804.00 26865 26865 7 927 720.88

Total 16909 15600.00

131386

131386 13 7287 5364.43

56


14.3.3 TS. Minorities Finance Corporation- Performance as on 30.09.2016:

(Rs. in lac)

Sl.NO


Minority population as per

2011 census

Target

subsidy as per labs/rangesCategory-I Category-II Category-III

Unit cost upto

Rs.1.00 lakh

(80:20)

Unit cost more than Rs.1.00 -2.00 lakhs

(70:30)

Unit cost more than Rs.2.00-

10.00 lakhs

(60:40)

Phy Fin Phy Fin Phy Fin Phy Fin1 2 3 4 5 6 7 8 9 10 111 ADILABAD 303796 848 9.08 682 5.46 130 1.82 36 1.802 HYDERABAD 1747608 4880 52.34 3924 31.38 746 10.45 210 10.503 KARIMNAGAR 247568 692 7.43 556 4.45 106 1.48 30 1.504 KHAMMAM 160757 449 4.80 361 2.89 69 0.97 19 0.955 MAHABOOB-

NAGAR 335775 938 10.05 754 6.03 144 2.02 40 2.006 MEDAK 344986 964 10.32 775 6.20 148 2.07 41 2.057 NALGONDA 190206 531 5.70 427 3.42 81 1.13 23 1.158 NIZAMABAD 396488 1107 11.85 890 7.12 170 2.38 47 2.359 RANGAREDDY 632786 1768 18.96 1421 11.37 271 3.79 76 3.80

10 WARANGAL 199734 556 5.97 447 3.58 85 1.19 24 1.20 Total 4559704 12733 136.50 10237 81.90 1950 27.30 546 27.30

Note: online registration for the year 2016-17 has not been started because huge number of spill over cases of 2015-16 are still pending for disposal

14.3.4 TS. SC Co-operative Financee Corporation- Performance

as on 30.09.2016: (Rs. In lac)


Annual TargetsNo. of Societies

affiliated / identified Applications receivedNo of bank

consent received

Applications sanctioned & subsidy amount released to

bank accounts

No. of societies

No. of beneficiaries

Subsidy amount

No. of units


No. of units


% to target

No.of units


Subsidy amount

Adilabad 1 3675 4065.20 6592 6592 6592 6592 179.37 Hyderabad 1 3091 5162.50 2669 2669 2669 2669 86.35 Karimnagar 1 5353 5933.20 14564 14564 14564 14564 272.07 Khammam 1 4058 6284.20 12256 12256 12256 12256 302.02 Mahabubnagar 1 5350 5931.20 16692 16692 16692 16692 312.00 Medak 1 4049 4478.80 4610 4610 4610 4610 113.86 Nalgonda 1 4810 5321.60 18998 18998 18998 18998 394.97 Nizamabad 1 2735 3058.80 4485 4485 4485 4485 163.99 Rangareddy 1 5758 8884.80 3083 3083 3083 3083 53.54 Warangal 1 4665 5125.20 28667 28667 28667 28667 614.51 Total 10 43544 54245.50 112616 112616 112616 112616 258.63 0 0 0 0

14.3.5 TS. TRICOR –Economic Support – report as on 30.09.2016:57


(Rs. In lac)


Annual Targets SanctionedForwarded to e-payment login Subsidy releases

Pending at e-payment login

Phy Fin Phy Fin Phy Fin Phy Fin Phy FinAdilabad 2259 1238.85 1310 1121.68 1083 954.10 364 319.88 719 634.22Hyderabad 73 110.2 72 110.95 71 110.15 68 101.55 3 8.6Karimnagar 167 238.93 237 215.85 385 350.84 178 163.15 207 187.69Khammam 1393 1681.9 1625 1516.2 2011 2055.8 719 781.73 1292 1274.07Mahabubnagar 975 803.24 776 801.75 1052 1112.75 388 419.82 664 692.93

Medak 385 376.92 373 378.16 670 690.92 313 325.76 357 365.16Nalgonda 842 875.37 613 642.51 860 911.15 627 345.78 533 565.37

Nizamabad 295 430.52 270 284.6 458 473.24 216 220.74 242 252.6Rangareddy 280 465.92 364 469.51 585 759.24 253 336.33 332 422.91

Warangal 2018 1221.7 1736 1274.3 1740 1364.06 430 361.78 1310 1002.28Total 8687 7443.5 7376 6815.6 8915 8782.25 3556 3376.52 5659 5405.83

Mannanur (Chenchus)Mahabubnagar 18 26.54 0 0 0 0 0 0 0 0Nalgonda 4 4.00 0 0 0 0 0 0 0 0Rangareddy 23 25.93 0 0 0 0 0 0 0 0Total 8732 7500.01 7376 6815.59 8915 8782.25 3556 3376.52 5659 5405.83

Agenda –15: Financial Inclusion

Roadmap for Providing Banking Channels / Services:

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

RBI vide circular No . RBI /2015-16 / 277, FIDD. CO. LBS. BC. No. 82 / 02.01.001 / 2015-16 dated December 31, 2015 informed that coverage of banking services in unbanked villages is skewed towards the BC model and the ratio of branches to BC is very low. For increasing banking penetration and financial inclusion, brick and mortar branches are an integral component. Therefore, it has been decided to focus on villages with population above 5000 without a bank branch of a scheduled commercial bank. This will also enable banks to provide quality financial services and timely support to BC outlets that would help in sustaining and strengthening

58

https://rbidocs.rbi.org.in/rdocs/Notification/PDFs/NTRMD8B71C490BE7B40AA9D4FA4614310D729.PDF

https://rbidocs.rbi.org.in/rdocs/Notification/PDFs/NTRMD8B71C490BE7B40AA9D4FA4614310D729.PDF

13th Meeting of SLBC of Telangana State Bank of Hyderabadthe services provided through BCs and also ensure close supervision of BC operations.

In this regard, RBI advised SLBC to identify villages with population of above 5000 which are without a bank branch of scheduled commercial bank and allot the villages among scheduled commercial banks including Regional Rural Banks for opening of branches. The opening of bank branches as per the proposed Roadmap should be completed by March 31, 2017.

SLBC has allocated 255 such centres to various Scheduled Commercial Banks / RRBs and conveyed the same to the respective banks. Revised list of allocated centres is enclosed as Annexure 53.

Progress made by banks during the quarter ended Sept. 2016 is enclosed as Annexure 54.

15.2 National Mission of Financial Inclusion Plan – Pradhan Mantri Jan-Dhan Yojana (PMJDY):

S.No.

District No. of Accounts Total Deposit

(Rs. In Cr)

No. of Accounts

Rural Urban Male Female Total Zero Balance Account

Rupay Card Issued

Aadhaar Seeded

1 ADILABAD 449640 194097 292358 351379 643737 103.68 239872 431420 498115

2 HYDERABAD 111693 905598 427612 589679 1017291 201.41 309620 939270 823753

3 KARIMNAGAR 843698 206262 444216 605744 1049960 124.84 201556 846675 786850

4 KHAMMAM 297051 228386 246818 278619 525437 42.13 145980 460602 421056

5 MAHABUBNAGAR

826926 313080 511899 628107 1140006 55.95 397046 1060242 747195

6 MEDAK 579207 240715 386584 433338 819922 66.14 230538 728478 603962

7 NALGONDA 514665 342967 420276 437356 857632 61.93 225803 659607 545668

8 NIZAMABAD 368863 168177 237129 299911 537040 87.06 149545 423731 413520

9 RANGA REDDY

359830 493256 399259 453827 853086 160.71 241337 783035 663749

10 WARANGAL 355013 372120 340757 386376 727133 54.94 235817 645490 561844

Total 4706586 3464658 3706908 4464336 8171244 958.78 2377114 6978550 6065712

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PMJDY Programme was launched by Hon’ble Prime Minister of India on 28.08.2014. Latest position of accounts opened in the state of Telangana as on 09/11/2016 is shown hereunder:

S.No. Type of Bank

No. of Accounts Total Deposit (Rs. In

Cr)

No. of Accounts

Rural Urban Male Female Total Zero Balance Account

Rupay Card

Issued

Aadhaar Seeded

1 PSBs 2213650 3115265 2403112 2925803 5328915 594.25 1762266 4913648 4348133

2 RRBs 1356589 269450 786894 839145 1626039 315.68 329021 926774 1020879

3 Pvt. Sector

1136347 79943 516902 699388 1216290 48.85 285827 1138128 696700

Total(1+2+3) 4706586 3464658 3706908 4464336 8171244 958.78 2377114 6978550 6065712

No. of accounts opened in rural areas are 4706586 and at urban areas are 3464658 totalling to 8171244 accounts.

Ru-Pay Debit Cards were issued to 6978550 (85.40%) account holders

6065712 accounts were linked with Aadhar (74.23%)

2377114 accounts are Zero Balance Accounts (29.09%

Bank-wise / district-wise performance under PMJDY is enclosed as Annexure 55.

15.2.1 Pradhan Manthri Jan Dhan Yojana – Opening of accounts Conversion of Small Accounts to Basic Savings Bank Deposits Accounts (BSBDA):

Dept. Of Financial Services, Ministry of Finance, Govt. Of India vide letter no. F.No 1/9/2014-FI (Pt.XI) (C-69300) dated 10th May 2016 informed that some State Governments are facing problem in transfer of benefits in certain schemes due to restrictions imposed (restrictions on withdrawal of amounts more than Rs. 10,000/- balance in the accounts not to exceed Rs. 50,000/- any point of time, credit limit not to be more than Rs. 1.00 lac) in the Small accounts opened under PMJDY. In this regard, it is informed that PMJDY envisages opening of ‘Basic Savings Bank Deposits Account (BSBDA)’ which

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13th Meeting of SLBC of Telangana State Bank of Hyderabadare subjected to RBI instructions on Know Your Customers (KYC) / Anti Money Laundering (AML) for opening of bank accounts issued from time to time.

However, those persons who do not have any of the ‘officially valid documents’ as stipulated can open ‘Small Accounts’ with banks. A small account can be opened on the basis of a self attested photograph and putting her / his signature or thumb print in the presence of an official of the bank. Such accounts have limitation regarding the aggregate credits (not more than Rupees one lac in a year), aggregate withdrawals (not more than Rupees ten thousand in a month) and balance in the accounts (not more than Rupees fifty thousand at any point of time). These small accounts would be valid normally for a period of twelve months. Thereafter, such accounts would be allowed to continue for a further period of twelve more months, if the account holder provides a document that she / he has applied for any of the officially valid document within twelve month of opening the small account.

In view of the above, it is requested to ensure that necessary review mechanism (to obtain KYC documents as per RBI guidelines) are in place to monitor the transactions / threshold limit for the small accounts opened under the Yojana as more than one year has elapsed since the launch o the scheme, so that customers are not put to hardship due to restrictions imposed under ‘small account’. SLBC has communicated the same to member banks. The copy of the letter is enclosed as Annexure no. 56.

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

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13th Meeting of SLBC of Telangana State Bank of Hyderabad15.4 Social Security/Insurance schemes launched by Government of India.

i. Pradhan Manthri Surkasha Bima Yojana an accident insurance scheme;

ii. Pradhana Manthri Jeevan Jyothi Bima Yojana, a life insurance scheme

iii. Atal Pension Yojana - pension scheme

The progress made by banks in the State as on 30/09/2016 is furnished hereunder:

Type of Bank PMSBY PMJJBY APY TotalPSBs 3937868 129589 112379 5179836Pvt. Sector Banks 734182 128779 17666 880627RRBs 596264 292829 16158 905251Co-operative Banks 111992 52325 0 164317Grand Total 5380306 1603522 146203 7130031

Bank-wise enrolment data is enclosed as Annexure no. 57.

15.5 Unbanked Mandal / Mandals in which there is no bank branch in Mandal Head Quarters:

There is no unbanked mandal in the State of Telangana.

15.6 Opening of branches in Tribal areas:

No request has been received during the quarter for opening of branches in tribal areas of Telangana State

15.7 Installation of ATMs:

GoI has advised all Banks including Regional Rural banks to establish onsite ATMs at their branches to enable the beneficiaries to draw the benefits as per their convenience.

MoF also advised Banks to go for offsite ATMs wherever there is no possibility of provision of on-site and other infrastructures readily available at the branch. It is also advised that top priority is to be given for establishment of ATMs in all identified pilot districts under Direct Benefit Transfer Scheme.

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13th Meeting of SLBC of Telangana State Bank of HyderabadOnsite ATM means ATM installed at the branch or within 500 meters vicinity of the branch and in case of SBI, ATM of any SBI group of banks located within 500 meters vicinity will be considered as onsite ATM.

All Banks to ensure that Micro ATMs are to be placed in all BC locations immediately to enable the DBT

beneficiaries to draw the benefits.

S.No. Quarter ended No. of ATMs1 Dec'2014 78222 Mar'2015 79443 Dec'2015 81234 Mar’2016 83525 June’2016 83856 Sept’2016 8458

15.8 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 been pursuing with the pension disbursing banks to sensitize the pensioners of the benefits of the ‘Jeevan Pramaan’ application. In this connection, the banks have been requested to organise Special Aadhaar Seeding Camp in all pension paying branches from 30th May to 10th June, 2016.

UIDAI has informed that currently banks are functioning as Registrars for Aadhaar enrolment, for which they have Enrolment Agencies under them and have necessary kits for it.

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 ).

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

13th Meeting of SLBC of Telangana State Bank of HyderabadLead 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.

15.9 Financial Literacy Centres (FLCs) – Position:

Position in Telangana:

Particulars No. of FLCs

Number of FLCCs operating in the District Head Quarters 16Number of FLCCs operating in Lead District Offices 10Number of FLCCs operating in Divisional Head Quarters 8Number of FLCCs operating in Rural Areas 11Total 45

(Detailed statement enclosed as Annexure 58.As per directions from DFS to map Govt. ITIs / PRIVATE ITIs / Skilling Centres to FLCCs, all the 45 FLCCs have been mapped to Govt. ITIs / PRIVATE ITIs / Skilling Centres for imparting Financial Literacy.

15.10 Availability of standardized Financial Literacy material of RBI at FLCs

Reserve Bank of India vide letter FIDD(H)/FI&FL/1424/07.07.001/2014-15 dated 02.06.2015 informed that from the workshops organized by RBI and CAB Pune for Counsellors of Financial Literacy Centres, it was observed that FLCs were not using standardized financial literacy material of RBI for conducting Financial literacy camps.

Standardised literacy material was once again made availbale to the FLC counsellors. The material is available in SLBC website, www.telanganaslbc.com also. As advised by DFS, Ministry of Finance, SLBC has conducted a one day Workshop for the counsellors of all FLCs in the State on 7th April 2016 in which representatives from RBI and NABARD have participated. Controlling offices of banks are requested to advise the counsellors to make use of the standardized financial literacy material.

64

http://www.telanganaslbc.com/

13th Meeting of SLBC of Telangana State Bank of Hyderabad15.11Financial Literacy activity by rural branches and FLCs:

The Financial Literacy Centres (FLCs) both in Districts and LDM offices opened by the Banks are meant to take up Financial Literacy activities on a regular basis but it is observed that activities are not conducted at anticipated scale.

The performance of the FLCs during the quarter under review is:

45 FLCCs are running in the state. 270 special camps and 380 specific camps were conducted by FLC /

FLCCs during the quarter under review. 1588 special camps and 1468 specific camps were conducted by 1785

rural braches in the State of Telangana. At Rural Self Employment Training Institutes in the State, financial literacy

material is made available and literacy sessions are made part of sessions in the training schedule.

Report of financial literacy activities conducted by FLCs for the quarter ended Sept’ 2016 is enclosed as Annexure 59. Report on conduct of financial literacy camps by rural branches for quarter ended Sept’ 2016 is enclosed as Annexure 60.

15.12 Financial Literacy Centres: Revised format for submission of data:

Reserve Bank of India, vide Cir.No.FIDD.FLC.BC.No.12/12.01.018/2016-17 dated 25.08.2016, advised revision in formats of quarterly reports on Financial Literacy.

The revised reporting formats Annex III - Part A and B for FLCs and Part C for rural branches of the banks were circulated to Banks, FLCs/LDMs with an advise to submit the data from the Quarter ending September 2016 onwards within 15 days from the end of Quarter. The revised formats are enclosed as Annexure 61.

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15.13 Capacity Building Programme – Business Correspondents (APY):

Government of India has launched Atal Pension Yojana in 2015 and more than 33 lacs subscribers through out India have been enrolled under the scheme with in short span of 14 months.

Training/Capacity building programmes on APY have already been organised by PFRDA in coordination with SLBC convenors on a massive scale for bank officers in which more than 1 lacs bank officials have been trained across the country

This has helped in building confidence in bank staff, creating mass awareness and ensured smooth implementation of APY there by fulfilling the expectation and mission of Government of India to provide the old age income security to the large masses in the country.

PFRDA advised hat they intend to extend these capacity building programmes under APY for Business Correspondents across all the banks as BC channel play a crucial role in financial inclusion by providing low cost banking services including pension to unbanked population of India.

In this regard, as advised by PFRDA all Lead District Managers were requested to organize capacity building programmes for BCs across all the banks in their districts in coordination with training agency appointed by PFRDA, as detailed hereunder.

The details of training agency are as under. Zones Name of Training

Institute (Full Address)

Contact details (Name, Email Id, phone No

All Zones Crux Management Services (P) Limited 410, 4th Floor, MyHome TycoonKundanbagh,

Contact person Sravanthi-

09603402226; 09603702226

66


Begumpet. Hyderabad -

[email protected]

Controllers of Banks are requested to advise the branches in the district to depute the concerned BCs for the programme as and when advised by LDMs.

15.14Rural Self Employment Training Institutes in Telangana:

Statement of performance of RSETIs during the quarter under review is enclosed as Annexure. No. 62.

15.16 RSETIs – Pending reimbursement of Claims:

State Bank of India has established RSETIs in the following centres and these RSETIs have to receive a share amount from SERP, Govt. Of Telangana towards maintenance, create / provide better infrastructure at RSETIs and parting training to the rural youth belonging to BPL families who undergo training thereat.

Govt. Of Telangana is requested to reimburse the pending claims of Rs. 355.37 lac at the earliest to enable the RSETIs to give better services to the rural youth attending the training programmes thereat.

RSETIs sponsored by State Bank of Hyderabad (Rs. in lacs)

RSETI YEAR CLAIMED RECEVED PENDING

Chilkur2015-16 27.32 0 27.32

2016-17 ( Till 30.09.16) 22.70 0 22.70

Chilkur Total 50.02 0 50.02

Dichpally 2011-12 8.08 7.40 0.68

2012-13 18.82 15.99 2.83

2013-14 30.15 24.23 5.92

2014-15 20.07 20.07 0

2015-16 24.42 0 24.4267




2016-17 ( till 30.09.16) 13.45 0 13.45

Dichapally Total 115.00 67.70 47.30

Hasanparthy

2011-12 9.44 9.44 0

2012-13 27.42 16.55 10.87

2013-14 33.70 19.76 13.94

2014-15 28.13 18.80 9.33

2015-16 21.33 0 21.33

2016-17 ( till 30.09.16) 11.74 0 11.74

Hasanparthy Total 131.76 64.55 67.21

Karimnagar

2011-12 8.82 8.82 0

2012-13 13.19 13.19 0

2013-14 20.23 20.23 0

2014-15 21.97 21.97 0

2015-16 29.56 0 29.56

2016-17 ( till 30.09.16) 18.30 0 18.30

Karimnagar Total 112.07 64.21 47.86

Khammam

2011-12 12.76 8.71 4.05

2012-13 33.62 29.18 4.44

2013-14 24.93 22.12 2.81

2014-15 20.38 18.14 2.24

2015-16 20.87 0 20.87

2016-17 ( till 30.09.16) 11.74 0 11.74

Khammam Total 124.30 78.15 46.15

Nalgonda 2011-12 8.86 8.86 0

2012-13 23.20 23.20 0

2013-14 23.42 21.90 1.82

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2014-15 20.69 20.69 0

2015-16 17.57 0 17.57

2016-17 ( till 30.09.16) 11.51 0 11.51

Nalgonda Total 105.25 74.65 30.60

Utnoor

2011-12 12.04 12.04 0

2012-13 27.84 21.95 5.89

2013-14 34.04 26.48 7.56

2014-15 25.08 23.66 1.42

2015-16 34.45 4.30 30.15

2016-17 ( till 30.09.16) 21.21 0 21.21

Utnoor Total 154.66 88.43 66.23

Grand Total 793.06 437.69 355.37

15.17 Opening of bank branches in Left Wing Extremism (LWE) affected Districts - Khammam DistrictWe have been advised by DFS 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. Khammam District in Telangana is identified as one of the LWE affected districts of the country.

To fasten the pace of expansion of banking activities in affected LWE districts, DFS advised SLBC Convener Banks 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. In this regard, LDM Khammam is in touch with the District Administration for identifying such areas, if any.

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13th Meeting of SLBC of Telangana State Bank of HyderabadIn this regard, we enclosed a copy of a letter No.F.No. 20/57/2010-FI (C-53274) dated 06.07.2016 received from DFS, Ministry of Finance, Govt. of India, as Annexure 63.

DFS further advised SLBC to monitor the issuance of RuPay Cards in all the eligible accounts and also ensure availability of Bank Mitras in these areas. Position of issuance of Rupay Cards and Bank Mitras is furnished hereunder.

District Rupay Cards issued Bank MitrasKhammam 460602 401

15.18 Demonetization of currency notes of Rs. 500/- and Rs. 1000/-

In terms of Gazette Notification No. 2652 dated 8 th November 2016 issued by Govt. Of India, Rs. 500/- & Rs.1000/- denominations of Bank notes issued by Reserve Bank of India (hereinafter referred to as Specified Bank notes) were ceased to be legal tender with effect from 9th November 2016, to the extent specified in the Notification. Reserve Bank of India, vide their Notification DGM (Plg) 1226/10.27.00/2016-17 dated 8th November 2016, stated that a new series of Bank notes called Mahatma Gandhi (New) series having different size and design, highlighting the cultural heritage and scientific achievements of the country, will be issued. Bank branches will be the primary agencies through which the members of public and other entities will be exchanging the Specified Bank notes for Bank notes in other valid denominations or depositing the Specified Bank Notes for crediting to their accounts, up to and including the 30th December 2016. Therefore, banks have to accord highest priority to this work. In order to enable the members of public and other entities to exchange their existing Rs. 500/- and Rs. 1000/- notes, certain arrangements were specified by the RBI to banks.

Govt. Of Telangana has also issued instructions to all the District Collectors vide letter no. 13363/A/277/FP/2016 dated the 9th November, 2016 for making necessary arrangements to deal with unwarranted and / or law and order situation for smooth deposits or exchange of currency notes. Govt. Of Telangana has also issued instructions vide their letter, to maintain strict

70

13th Meeting of SLBC of Telangana State Bank of Hyderabadvigil on any illicit cash transactions or movement of valuable like gold or high volume bank notes. The communication was circulated among the member banks of SLBC for information. A copy of the Notification issued by Reserve Bank of India and instructions issued by Govt. Of Telangana are placed as Annexure no. 64.

15.19 Re-organisation of districts in the State of Telangana:Government of Telangana has reorganized the existing districts excluding Hyderabad. The new districts came in to existence with effect from 12th

October, 2016. The list of districts in Telangana is as under:

Old Districts New Districts New Districts New Districts

Adilabad Adilabad Komaram Bhim (Asifabad)

Peddapalli

Hyderabad Bhadradri (Kothagudem)

Mahabubabad Rajanna (Sircilla)

Karimnagar Hyderabad Mahabubnagar Ranga Reddy

Khammam Jagtial Mancherial Sangareddy

Mahabubnagar Janagaon Medak Siddipet

Medak Jayashankar (Bhupalpalli)

Medchal Suryapet

Nalgonda Jogulamba (Gadwal) Nagarkurnool Vikarabad

Nizamabad Kamareddy Nalgonda Wanaparthy

Ranga Reddy Karimnagar Nirmal Warangal (Rural)

Warangal Khammam Nizamabad Warangal (Urban)

Yadadri

The process of allocation of Lead Bank responsibilities in the reorganized districts has been initiated by Reserve Bank of India. Till the new LDMs are in place, the existing LDMs were advised to look after the lead bank activigies in the reorganized districts also.

71

13th Meeting of SLBC of Telangana State Bank of HyderabadWe request the controllers of banks to ensure that the data in respect of all the reorganized districts is submitted along with the CQR (Comprehensive Quarterly Return) as already advised.

GOs issued by the Government of Telangana are placed as Annexure No. 65.

15.20 Success stories of RSETIs:RSETI Medak - Success Story of Smt N Yadamma Smt N. Yadamma hailing from Hathnoora village &

Mandal has studied up to 7th Standard. She has

undergone Plant Nursery Management training

programme at SBIRSETI, Sangareddy from 01.02.2016 to 06.02.2016.

She was sponsored for training by the DRDA. The unique training at the Institute has not only

helped her to acquire the necessary entrepreneurial skills but also motivated her to start a micro

enterprise and run it successfully.

On completion of the training, she established a Plant Nursery Unit in her Agriculture Land by

raising funds from SC Corporation & State Bank of Hyderabad. DRDA has arranged supply of

saplings and buy back of grown plants by GHMC (Greater Municipal Corporation of

Hyderabad). She has been recently sanctioned a Bank loan for Rs.2.00 Lakhs and subsidy of

Rs.3.00 Lakhs by SC Corporation. The saplings will be grown and sold to GHMC under the

Buy-Back Arrangement. In the first instance, one lakh saplings were given to her and the entire

process takes 6 months time for her to sell the plants to GHMC through DRDA. She owed her

success to SBIRSETI, Sangareddy for providing quality training and imparting the necessary

entrepreneurial skills which motivated her to take up this venture

successfully.

Success Story of Ms. Nusrath BegumMs. Nusrath Begum has learnt Dress Designing for women by

undergoing the relevant course at Toopran Village & Mandal, off

campus programme. She also underwent EDP training. She has

begun practising the same at her house and acquired regular

female clientele by providing quality work. Besides the above, she started selling ladies cloth

material & fancy items and tailoring of ladies clothes and dresses and established a shop. She

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13th Meeting of SLBC of Telangana State Bank of Hyderabadhas also given employment to two ladies who will assist her in tailoring. She has been

sanctioned a loan of Rs.50,000/- by SBI, Toopran Branch.

She is now earning Rs.10,000/- per month and attributes her success to the quality of training

imparted at the Institute which also motivated her to start a micro enterprise and run it

successfully.

Success Story of Ms. T Sushmitha

Ms. T. Sushmitha hailing from Jeedipally village, Toopran

Mandal has studied up to 10th Standard. She has undergone

‘Apparel Designing’ training programme from 23.04.2014 to

22.05.2014.

The unique training at the Institute has not only helped her to

acquire the necessary entrepreneurial skills but also

motivated her to start a micro enterprise and run it successfully.

On completion of the training, she established a tailoring unit at her house by raising funds from

her family and friends. She has made a name for herself in Jeedipally with quality stitching of

clothes and sale of saree falls and petticoats. Presently, she is earning Rs.15,000/- per month.

She owed her success to SBIRSETI, Sangareddy, for providing quality training and imparting

the necessary entrepreneurial skills which motivated her to start this micro enterprise.

RSETI MahabubnagarSuccess Story of Smt Bhagya Laxmi

Smt. Bhagyalaxmi w/o Suresh, belongs to Amarachintha, Athmakoor in Mahabubnagar district. Her husband is a Barbour. She studied up to fifth class. She has basic knowledge in tailoring.

She came to know about the training programmes arranged by RSETI and went to SBRSETI

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13th Meeting of SLBC of Telangana State Bank of Hyderabadand applied and training in Apparel course in the month of August 2015. After successful

completion of the training, with moral support and encouragement from SBRSETI, she started a

own tailoring shop in Amarachintha in the name of Devi Ladies Tailors. She is now earning

Rs.12000/- per month. Her family members are happy and extending moral support to her.

Success Story of Sri R Gopal

Sri Gopal S/o Laxmaiah belongs to Palem village, Kothakota mandal in Mahabubnagar

district. His father is a farmer and has a small piece of agriculture land, and income is not

sufficient run the family. Sri Gopal studied up to Intermediate and started searching for job to

support his father. Initially, he started working as a daily wage labourer. He came to know that

SBRSETI, Mahaboobnagar through news papers. He joined in “Mutli Phone Servicing” programme and improved his skill, learnt perfectly about different types of software used in the

mobiles and also gained the knowledge of “Entrepreneurship”. After completion of the training

he worked in a mobile shop as an apprentice. He opened small mobile servicing centre at his

village with his own funds. Recently he got sanction of a loan from Andra Bank, Kothakota

Branch. He opened new mobile shop in Kothakota in the name of Sri Sai Krishna Mobiles. He

is widening his customer base by extending excellent customer service. Now he is earning Rs.

15000/- per month.

Agenda 16: Lead Bank Scheme16.1 Attendance in JMLBC/DLRC/DCC Meetings:It is brought to the notice of SLBC that in some districts due to non participation by the controllers of banks and representatives of Banks DCC/DLRC meetings were postponed by the District Collectors. This is a matter of serious concern and all banks are advised to take corrective steps and ensure attendance at appropriate level in JMLBC/DCC/DLRC meetings.

74

13th Meeting of SLBC of Telangana State Bank of HyderabadLDMs are advised to maintain the attendance of meetings and inform the names of absentees to the controlling authorities of banks.

Banks are advised to attend all JMLBC/DLRC/DCC meetings regularly and ensure 100% attendance in the meetings and participate in the deliberations.

16.2 Information to be submitted quarterly by banks and LDMs:All Banks and LDMs are advised to submit the quarterly information to be submitted to SLBC within 15 days from the end of the respective quarter to enable the SLBC to consolidate the position and to convene the SLBC meetings as per schedule. The delay in submission leads to delay in conducting of SLBC meetings. Hence, All banks and LDMs are advised to submit the data well on time to adhere to the time schedule of SLBC meetings.

16.3 Lead Bank Scheme – Sensitization Programme for District Collectors & CEO of Zilla Parishas:

As per Lead Bank Scheme guidelines issued by Reserve Bank of India, a sensitization programme for District Collectors & CEOs of Zilla Parishads of Telangana State has to be held. In this regard, SLBC has already requested IF Dept., GOT to advise a date on which the meetings could be held. We once again request Govt. of Telangana to advise an early date for holding the Collectors / CEOs of Zilla Parishad Conference.

75


Agenda – 17:17.1 Overdue / NPA position: Overdue / NPAs position as on 30.09.2016 under various sectors (Amt. in cr.)

Sector

Outstanding Overdue NPAs

No. of A/c. Amount A/c.

Total balance in overdue accounts


A/c. Amount

Short Term crop production advances 4983810 38885.81 873433 8222.13 4588.07 196463 3785.65Agri. Term loans incl. Agric allied activities 870042 16957.85 152827 3426.25 1633.30 77304 1482.62Agr. Infrastructure 16166 1712.86 871 94.63 52.77 715 632.95Agr. Ancillary 10185 7150.98 2703 1584.06 722.80 917 1498.20Total Agri. Advances 5880203 64707.50 1029834 13327.07 6996.94 275399 7399.42MSME Sector advances 801215 50383.62 136032 11042.00 5021.65 77065 7255.78Others'under Priority Sector Advances 470504 31032.05 68219 3778.74 675.84 10725 1151.02

Export credit 149 67.70 9 10.07 1.81 0 0Total Priority Sector Advances 7152071 146190.87 1234094 28157.88 12696.24 363189 15806.22Non-Priority Sector Advances 5171283 271340 234748 40485 13701 72100 19896Total advances 12323354 417531.03 1468842 68643.08 26396.76 435289 35702.33Break-up of Others'under PSAEducation Loans 87773 4605.67 14508 510.18 111.57 6118 116.19

Housing Loans 293478 23755.94 46127 2842.17 333.10 41011 624.52

76

13th Meeting of SLBC of Telangana State Bank of HyderabadSocial Infrastructure 806 232.33 236 56.90 4.70 40 5.88Renewable Energy 306 183.90 24 22.66 0.79 10 0.52SHG - Non Farm Sector (Other than eligible under MSME) 33741 624.28 2415 27.71 6.13 1729 13.49Others 54400 1629.93 4909 319.12 219.55 2418 390.42

Bank-wise position on overdues / NPAs in ‘Others’ under priority sector advances is enclosed as Annexure 37.

Bank-wise position on overdues / NPAs under Total Priority Sector advances is enclosed as Annexure 38.

Bank-wise position on overdues / NPAs under Non-Priority Sector advances is enclosed as Annexure 39.

Bank-wise position on overdues / NPAs under Total Advances is enclosed as Annexure 40.

Short Term Agriculture Crop Production Loans:The total overdues at Rs.4588.07 cr constitute 11.80% of outstandings and NPAs at Rs.3785.65 cr constitute 9.73% to total outstandings Agriculture Term Loans Including Allied Activities:The total overdues at Rs.1633.30 cr constitute 9.63% of outstandings and NPAs at Rs.1482.62 cr constitute 8.74% to total outstandings. Total Farm Credit: The total overdues at Rs.6221.37 cr constitute 11.14% of outstandings and NPAs at Rs.5268.26 cr constitute 9.433% to total outstandings. Agriculture Infrastructure loans:The total overdues at Rs.52.77 cr constitute 3.08% of outstandings and NPAs at Rs.632.95 cr constitute 36.95% to total outstandings. Agriculture Ancillary activities:The total overdues at Rs.722.80 cr constitute 10.11% of outstandings and NPAs at Rs.1498.20 cr constitute 20.95% to total outstandings. Total agriculture Advances: The total overdues at Rs.6996.94 cr constitute 10.81% of outstandings and NPAs at Rs.7399.42 cr constitute 11.43% to total outstandings.

77

13th Meeting of SLBC of Telangana State Bank of HyderabadMSME Sector Advances:The total overdues at Rs.5021.65 cr constitute 9.97% of outstandings and NPAs at Rs.7255.78 cr constitute 14.40% to total outstandings .Other Priority Sector Advances:The total overdues at Rs.675.84 cr constitute 2.17% of outstandings and NPAs at Rs.1151.02 cr constitute 3.71 % to total outstandings.

Total Priority Sector Advances: The total overdues at Rs.12696.24 cr constitute 8.68% of outstandings and NPAs at Rs.15806.22 cr constitute 10.81% to total outstandings.Non-Priority Sector Advances: The total overdues at Rs.13701.00 cr constitute 5.05% of outstandings and NPAs at Rs.19896.00 cr constitute 7.33% to total outstandings.Total Advances: The total overdues at Rs.26396.76 cr constitute 6.32% of outstandings and NPAs at Rs.35702.33 cr constitute 8.55% to total outstandings.Housing Loans Advances: The total overdues at Rs.333.10 cr constitute 1.40% of outstandings and NPAs at Rs.624.52 cr constitute 2.62% to total outstandings.Education Loans Advances:The total overdues at Rs.111.57 cr constitute 2.42% of outstandings and NPAs at Rs.116.19 cr constitute 2.52 % to total outstandings.Self Help Group Advances:The total overdues at Rs.570.87 cr constitute 4.99% of outstandings and NPAs at Rs.401.20 cr constitute 3.51 % to total outstandings.

17.2 Overdue / NPAs position under State Government sponsored scheme as on 30.09.2016

(Rs. In cr)

S.No. Particu-lars


A/c. Amt

No. of overdue A/c.



No.of A/c. Amount

1 State Govt schemes 2806163 50352.47 786884 19340.32

5823.98(11.56%) 261027

4628.99(9.19%)

78

13th Meeting of SLBC of Telangana State Bank of Hyderabad Under State Government sponsored schemes, an amount of Rs. 4628.99

cr i.e., 9.19% of total outstandings are NPAs. Similarly, 11.56% of outstanding advances are overdue under State Govt.

sponsored schemes.

17.3 Overdue / NPAs position under State Government sponsored scheme as on 30.09.2016 (Rs. In cr)

s.No. Scheme

Overdues including NPAs as on 30.09.2016 Overdues as on 30/09/16

NPAs as on 30/09/16

No. of A/cs

Total Balance in overdue A/cs

No. of a/c.

Actual overdue amount Amount

No. of a/cs Amount

State Government Sponsored Schemes (Total of i to xx) 2806163 50352.47 786883 19340.32 5823.98 261027 4628.99

i APMIP 9778 524.73 1493 23.71 22.79 1081 18.92

ii RKVY 2123 17.99 920 6.22 5.71 585 4.88

iiiWater Resources Development 1665 14.42 394 2.98 2.57 307 2.44

iv

Animal husbandry / Milch Animal Units (including Pasukarnthi Pathakam) 31721 167.19 9483 76.77 45.60 6825 35.26

v

Sheeep & Goat (including Jeevakranthi Pathakam) 9802 64.10 3897 34.38 27.33 2820 23.48

vi Fisheries - GSS 1512 96.63 781 30.07 26.55 575 23.29

vii Horticulture 1563 81.73 630 42.61 23.11 392 15.41

viii Poly-house 89 11.63 0 0.00 0.00 0 0.00

ix Sericulture 1195 10.78 249 4.60 4.42 224 4.15

xSERP (SHG Bank Linkage - Rural) 254447 4483.54 31432 674.17 516.20 20475 390.45

xiMEPMA (SHG Bank Linkage -Urban) 83739 1501.85 10873 170.17 120.04 5687 70.03

xii Weavers Credit Cards 2235 14.65 347 0.85 0.51 320 0.67xiii Handloom Weavers 2395 23.03 1007 13.18 7.85 781 7.25

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Groups

xiv S.C.Action Plan 478386 1067.54 75004 306.13 281.00 57512 233.40

xv S.T.Action Plan 98526 435.56 31532 229.24 205.66 23674 182.88

xvi B.C.Action Plan 340313 1315.15 98534 409.24 379.49 53724 343.17xvii

Minorities Finance Corpn. 78387 461.76 25164 168.79 146.05 16483 140.85

xviii Christian Finance Corpn. 26774 267.09 3235 13.04 12.18 2424 10.86xviiii Rajiv Gruhakalpa 22291 219.35 12305 115.02 69.89 10419 99.44

xx VAMBAY 5073 72.18 3517 31.58 30.38 3266 29.95

xxi Rajiv Yuva Sakthi 27336 103.15 7621 35.73 30.84 5061 27.36

xxiiRenewable Sources of Energy 304 0.85 91 0.35 0.13 11 0.09

xxiii

Economic Rehabilitation Scheme for Disabled 468 3.91 101 0.56 0.53 71 0.45

xxiv Others 1326040 39393.67 468273 16950.96 3865.14 48310 2964.32

APMIP: 4.34% of the outstanding loans extended under APMIP scheme by banks in Telangana are overdue and 3.61% of the outstanding loans are NPAs.

RKVY: 31.72% of the outstanding loans extended under RKVY scheme by banks in Telangana are overdue and 27.14% of the outstanding loans are NPAs which is quite high.

Water Resources Development units: 17.82% of the outstanding loans extended to Water Resources Development units by banks in Telangana are overdue and 16.92% of the outstanding loans are NPAs which is high.

Milch animal units: 27.27% of the outstanding loans extended to milch animal units by banks in Telangana are overdue and 21.09% of the outstanding loans are NPAs which is quite high.

Sheep & Goat: 42.65% of the outstanding loans extended to sheep & goat units by banks in Telangana are overdue and 36.64% of the outstanding loans are NPAs which s quite high.

80

13th Meeting of SLBC of Telangana State Bank of HyderabadFisheries-GSS: 27.48% of the outstanding loans extended to fisheries groups by banks in Telangana are overdue and 24.10% of the outstanding loans are NPAs which is quite high.

Horticulture units: 28.27% of the outstanding loans extended to horticulture units by banks in Telangana are overdue and 18.85% of the outstanding loans are NPAs which is quite high.

Sericulture units: 41.04% of the outstanding loans extended to sericulture units by banks in Telangana are overdue and 38.49% of the outstanding loans are NPAs which is quite high.

SERP: 11.51% of the outstanding loans extended under SERP - SHG linkage by banks in Telangana are overdue and 8.71% of the outstanding loans are NPAs which is quite high.

MEPMA: 7.99% of the outstanding loans extended under MEPMA - SHG linkage by banks in Telangana are overdue and 4.66% of the outstanding loans are NPAs.

Handloom weavers groups: 34.10% of the outstanding loans extended to Handloom weavers groups by banks in Telangana are overdue and 31.49% of the outstanding loans are NPAs which is quite high.

SC Corporation: 26.32% of the outstanding loans extended to SC beneficiaries by banks in Telangana are overdue and 21.86% of the outstanding loans are NPAs which is quite high.

ST Corporation: 47.22% of the outstanding loans extended to ST beneficiaries by banks in Telangana are overdue and 41.99% of the outstanding loans are NPAs which is quite high.

BC Corporation: 28.86% of the outstanding loans extended to BC beneficiaries by banks in Telangana are overdue and 26.09% of the outstanding loans are NPAs which is quite high.

81

13th Meeting of SLBC of Telangana State Bank of HyderabadMinorities Corporation: 31.63% of the outstanding loans extended to minorities community by banks in Telangana are overdue and 30.50% of the outstanding loans are NPAs which is quite high.

Rajeev Gruhakalpa: 31.86% of the outstanding loans extended under Rajeev Gruhakalpa by banks in Telangana are overdue and 45.33% of the outstanding loans are NPAs which is quite high.

VAMBAY: 42.10% of the outstanding loans extended under VAMBAY scheme by banks in Telangana are overdue and 41.49% of the outstanding loans are NPAs which is quite high.

Rajeev Yuva Shakti: 29.90% of the outstanding loans extended beneficiaries under Rajeev Yuva Shakti by banks in Telangana are overdue and 26.53% of the outstanding loans are NPAs which is quite high.

Renewable Energy: 15.42% of the outstanding loans extended under Renewable Energy by banks in Telangana are overdue and 10.72% of the outstanding loans are NPAs which is quite high.

As all the loans extended under Govt. Sponsored schemes are registering increase in NPAs, we request the State Government to pass on necessary directions to the concerned departments to assist the banks in recovery to enable the banks to make fresh grounding within the time frame.

17.4 Overdue / NPAs position under Central Government sponsored schemes as on 30.09.2016 (Rs. In cr)

SchemeOverdues including NPAs as on

30.09.2016Out of Total Overdues, NPAs as on 30.09.2016

No.of A/cs

Total Balance in overdue A/cs


No.of A/cs Amount

1 Central Govt Sponsored Schemes 63981 1160.64 574.23 32162 449.57i SGSY / NRLM 37660 632.08 204.29 14471 140.75ii SJSRY / NULM 2092 10.90 5.75 1468 7.55iii PMRY / PMEGP 17443 415.94 316.38 11394 255.80vii ISHUP / RRY 446 1.38 1.75 356 1.12

viiiAgri Clinics / Agri Business Centres 249 4.44 2.75 126 1.85

82


ixDairy Entrepreneurship Develoment Scheme 6074 95.71 43.25 4335 42.37

x Renewable Sources of Energy 17 0.19 0.06 12 0.14xi Farmer Producer Organisation 0 0.00 0.00 0 0.00

Central Govt. Sponsored schemes: 11.70% of outstandings in Central Government sponsored schemes are overdues and 9.16% of the outstandings are NPAs.

SGSY/NRLM schemes: 5.75% of outstanding loans under SGSY scheme are overdues and 3.96% of the outstanding loans are NPAs.

SJSRY/NULM schemes: 1.07% of outstanding loans under SJSRY scheme are overdues and 1.40% of the outstandings are NPAs.

PMRY/PMEGP schemes: 53.18% of outstanding loans under PMRY / PMEGP scheme are overdues and 43.00% of the outstandings are NPAs.

ISHUP/RRY schemes: 23.65% of outstanding loans under ISHUP/RRY are overdues and 15.06% of the outstandings are NPAs.

Agri Clinic / Agri business centres: 18.10% of outstanding loans under Agri. Clinics / agri. Business centres scheme are identified by banks as overdues and 12.17% of the outstandings are NPAs.

Dairy Entrepreneurship Development scheme: 21.89% of outstanding loans under Dairy Entrepreneurship Development scheme are identified by banks as overdues and 21.45% of the outstandings are NPAs.

Renewable Energy: 3.45% of outstanding loans under Renewable Energy scheme are identified by banks as overdues and 8.13% of the outstandings are NPAs.

83


Agenda—18:

Regional Rural Banks

18.1 Performance of Regional Rural Banks on important parameters

Regional Rural Banks’ main focus of lending is to Agriculture and allied activities in rural, semi-urban and urban area. Reserve Bank of India, NABARD and Sponsored Banks are reviewing the performance of RRBS at regular intervals.

18.2 Net work in Telangana

(Rs. In crore)

S.No Name of the RRB

No. Of branches as on 30.06.14

No. Of branches as on 31.03.15

No. of branches as on 31.03.16



1 TGB 303 332 363 363 364

2 APGVB 474 474 484 485 485

TOTAL 777 806 847 848 849

Comparative position of branches:

84


18.3 Deposits

(Rs. In crore)


31.3.14 31.03.15 31.03.16 30.06.16 30.09.16

1 TGB 4155.43 4890.25 5867.68 5812.54 5963.39

2 APGVB 4930.00 5716.35 6781.45 7016.55 7278.33

During the quarter under review:

TGB has registered a growth of Rs. 150.85 cr (2.59%) in deposits. APGVB has registered a growth of Rs.261.78 cr (3.73%) during the

quarter.

18.4 Advances: (Rs. In crore)


31.3.14 31.03.15 31.03.16 30.06.16 30.09.16

85


1 TGB 3531.10 4162.54 4560.27 4641.60 4943.78

2 APGVB 5877.00 6827.67 7964.12 8080.61 8553.28

During the quarter under review, TGB has registered a growth of Rs. 302.18 cr in advances.

Similarly, APGVB also registered a growth of Rs. 472.67 cr during the quarter under review.

18.5 C D Ratio (%)S.No Name

of the RRB

31.3.14 31.03.15 31.03.16 30.06.16 30.09.16

1 TGB 84.97% 85.12% 77.72% 79.85% 82.90%

2 APGVB 119.20%

119.44%

117.44%

115.17% 117.52%

TGB and APGVB have registered CD ratio of 82.90% and 117.52% respectively.

18.6 Total Agri. Advances % in total advances (Rs.in cr)

S.No.

Name of the RRB

Total Advances outstanding as on Total Agricultural advances outstanding as on

31.03.15 31.03.16 30.06.16 30.09.16 31.03.15 31.03.16 30.06.16 30.09.16

86


s

1 TGB 4162.54 4560.27 4641.60 4943.78 2769.09 3203.48 3240.12 3474.63

% of agriculture advances to total advances 66.52% 70.25% 69.80% 70.28%

2 APGVB

6827.67 7964.12 8080.61 8553.28 5155.84 5269.74 5328.10 5669.17

% of agriculture advances to total advances

75.51% 66.17% 65.94% 66.28%

APGVB has a agriculture advances share at 66.78% where as TGB has a share of 70.28% of total advances.

18.7 Break-up of Total Agricultural advances (Rs. In cr)

S.No

Name of the RRB

Crop Loans Term Loans

31.03.15 31.03.16 30.06.16 30.09.16 31.03.15 31.03.16 30.06.16 30.09.16

1 DGB 1440.55 3072.79 106.17 3343.84 1328.54 130.69 133.95 131.78

2 APGVB 3937.86 3337.19 3367.72 3597.86 1227.98 1932.55 1960.39 2071.31

18.8 Comparative position of Crop Loans: (Rs. In cr)

Bank Mar'14 Mar'15 Mar’16 June’16 Sept’16TGB 1299.45 1440.55 3072.79 3106.1 3343.8

87


7 4

APGVB 2374.00 3937.86 3337.193367.7

23597.8

6

18.9 Comparative position of Agri. Term Loans (Rs. In cr)

Bank Mar'14 Mar'15 Mar’16 June'16 Sept’16

TGB 1113.131328.5

4 130.69 133.95130.78

APGVB 1133.001227.9

8 1932.55 1960.392071.31

18.10 Break-up of Agri Advances : Telangana Grameena Bank (Rs. In cr)

88


18.11 Break-up of Agriculture Advances : APGVB (Rs. In cr)

Agenda 19: Agenda 19.1 To include Dept. of Posts as a member in SLBC

We have been advised by DFS, Ministry of Finance, Government of India to include Dept. of Posts as a member in SLBC to discuss issues of India Postal Payment Bank (IPPB) and utilization of Gramin Dak Sewaks as Banking Correspondents and interoperability of micro ATMs to be deployed by IPPB. Communication received in this regard is enclosed as Annexure 66. Accordingly IPPB has been invited for the meeting.

19.2 To include Dept. of Food & Civil Supplies as a member in SLBC

We have been advised by DFS, Ministry of Finance, Government of India to include Dept. of Food & Civil Supplies as a member in SLBC in order to spread awareness and sensitize the States on the advantage of engaging the Fair Price Shops as Banking Correspondents. Accordingly Dept. of Food & Civil Supplies has been invited for the meeting. Communication received in this regard is enclosed as Annexure 67.

89

13th Meeting of SLBC of Telangana State Bank of Hyderabad19.3 SHGs (Self Help Groups):

Branches functioning in Mahabubnagar District are facing problems with Urban SHGs for recovering the dues / disbursing the gap amounts as per the drawing power eligibility. As per letter addressed by Jt. Director, MEPMA, Mahabubnagar addressed to all Municipal Commissioners of the District, it is stated that the spouses of Govt. Employees and those who are working persons are not eligible to be a member in the groups. Apart from this, those who are crossed 60 years of age are also not eligible to become a member in SHG groups. This is leading to disintegration of groups, thereby becoming difficult to recover the loan outstandings.

Groups are formed based on their own understanding, contiguity, like-mindedness and have been in existence since many years. With the present direction of Jr. Director, the prime concept of formation of SHGs is being defeated which is not correct.

SLBC requests Government of Telangana to issue necessary instructions to the concerned to continue to run the existing groups as usual and pass on the eligible subvention amounts. Letter received from APGVB is enclosed as Annexure No. 68

19.4 District-wise (Reorganized districts-wise) Targets under PMEGP

Allocation of targets under PMEGP for 2016-17 was already done and the same were communicated to the respective banks / branches. Now, KVIC has advised revised district-wise targets after reorganisation of districts in the State for the year 2016-17 vide letter no. TS/SOH/PMEGP/Targets/2016-17 dated 3rd November 2016.

Though in the State of Telangana, the erstwhile 10 districts have been reorganised to 31 districts, banks network remain unchanged. RBI is in the process of allocating Lead Bank responsibilities of reorganisation of district to the banks. As the allocation of targets have already been done in 10 districts, only regrouping on the basis of reorganisation is to be done by the Lead District Managers (LDMs) who have been advised to workout targets for

90

13th Meeting of SLBC of Telangana State Bank of Hyderabadthe reorganised districts and submit the same latest by 30th November 2016. The targets may be reviewed based on the data being submitted by LDMs and upward revision as requested by KVIC may be discussed in a Steering Committee Meeting separately. Targets received from KVIC are enclosed as Annexure 69.

19.5 Establishment of DRT – Exemption for Sharing of expenditure by TSCAB & APGVB banks:

It was resolved in the SLBC quarterly review meeting held on 26 th May 2016 to share the expenditure for setting up of DRT proportionately and later Bank-wise proportionate share was advised to banks, with a request to remit their share.

In this regard, Telangana State Co-operative Apex Bank Limited (TSCAB) has informed us that TSCAB has no cases before the DRT and all the matters pertaining to recovery of loans are referred to the Arbitrator / SCDR /OSD, TSCAB, O/o the Commissioner for Co-operation and Registrar of Co-operative Societies, Telangana, Hyderabad as per the provisions of APCS Act, 1964. Moreover as per the Hon’ble Supreme Court judgement in Civil Appeal 432 of 2004 between Greater Bombay Co-operative Bank Ltd. vs. M/s. United Yarn Textiles Pvt. Ltd. & other on 4th April 2004 pronounced that “the provisions of the Recovery Debts Due to Banks and Financial Institutions Act 1993 (RBD Act) by invoking the Doctrine of Incorporation are not applicable to the recovery of dues by the Co-operatives from their members……” and “Co-operative Banks constituted under the Co-operative Societies Acts enacted by the respective States would be covered by Co-operative Societies by Entry 32 of List II of Seventh Schedule of the Constitution of India”.

Based on the above, the Bank stated that TSCAB do not fall under the ambit of RBD Act. Hence, the Bank requested to exempt from sharing of expenditure.

Similarly, Andhra Pradesh Grameena Vikas Bank (APGVB) has informed SLBC that more than 80% of loans are confined to small ticket loans to rural

91

13th Meeting of SLBC of Telangana State Bank of Hyderabadclientele i.e., farmers and SHGs. Even other priority sector loans are up to Rs. 10 lac only.

If member banks agree to exemption for TSCAB & APGVB as detailed, their share of exemption is to be shared by other member banks. The revised sharing pattern will be advised separately. Letters received from TSCAB & APGVB are enclosed as Annexure no. 70

19.6 Andhra Pradesh Rajiv Swagruha Corporation Ltd (APRSCL) – bifurcation of the State of Andhra Pradesh

SBI, UBI, CBI, SBH & NHBA have extended finance of Rs.200 cr each to AP Rajiv Gruha Kalpa Corporation for construction of dwelling houses under Rajiv Gruha Kalpa Scheme for the needy, in various affordable categories throughout erstwhile Andhra Pradesh in 2007 and 2009. Due to various problems faced by the APRSCL, it could not adhere to the terms of sanction despite restructuring of loans as requested by the corporation. Subsequently the accounts have become NPAs.

SBI has offered OTS of Rs. 206 cr with a repayment period of 9 months. However the corporation could not adhere to the time schedule due to bifurcation of the state.

As per the bifurcation / demerger plan Telangana Government has to pay Rs. 919.31 cr and Andhra Pradesh Government has to pay Rs.51.37 cr towards total OTS settlement of Rs. 970.68 cr.

Govt. of Telangana has paid an amount of Rs. 25.00 cr on 31.03.16 and promised to pay balance amount with interest by 31st December 2016. It is understood that sale of assets at Bandlaguda and Pocharam initiated by the Corporation. But the response not encouraging.

We request the Govt. Of Telangana to issue necessary instructions in this regard to the concerned officials to settle the matter. Letter received from SBI is enclosed as Annexure 71.

92


Agenda – 20:

20.1 Circulars issued by RBI:

RBI/2016-17/132 DPSS.CO.PD.No.1240/02.10.004/2016-2017 November 14, 2016 – Usage of ATMs – Waiver of customer charges

RBI/2016-17/60 DBR.No.BAPD. BC.12 /22.01.001/2016-17 September 1, 2016 - Section 23 of the Banking Regulation Act, 1949 - Master Circular on Branch Authorisation - Census data 2011

RBI/2016-17/94 DBR.CID.BC.27/20.16.040/2016-17 October 20, 2016 Grant of ‘Certificate of Registration’ – For carrying on the business of credit information – Experian Credit Information Company of India Private Limited (ECICI)

RBI/2016-17/67 FIDD.GSSD.BC.No.15/09.10.01/2016-17 September 29, 2016 Master Circular- Credit Facilities to Minority Communities – Modification

RBI/2016-17/84 FIDD.FSD.BC.No.18/05.05.010/2016-17 October 13, 2016 Revised Kisan Credit Card (KCC) Scheme

RBI/2016-17/55 FIDD.CO.Plan.BC.14/ 04.09.01/2016-17 September 1, 2016 Priority Sector Lending - Targets and Classification: Lending to non-corporate farmers – System wide average of last three years

RBI/2016-17/71 DBR.CID. BC. No.17/20.16.003/2016-17 September 29, 2016 Publishing of photographs of Wilful defaulters

RBI/2016-17/112 DCM (Plg) No.1226/10.27.00/2016-17 November 08, 2016 Withdrawal of Legal Tender Character of existing ` 500/- and ` 1000/- Bank Notes

RBI/2016-17/140 DPSS.CO.PD.No.1280/02.14.003/2016-17 November 18, 2016 Cash Withdrawal at Point-of-Sale (POS) - Withdrawal limits and customer fee/charges – Relaxation

93

Documents

· Web viewHandloom weavers groups: 34.10% of the outstanding loans extended to Handloom weavers groups by banks in Telangana are overdue and 31.49% of the outstanding loans are