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BANKING AT A GLANCE IN GUJARAT STATE – JUNE, 2019
PARAMETERS June, 2018
March, 2019
June, 2019
GrowthY-O-Y
(June, 18 to June, 19)
Growthover March,
2019
TOTAL No. OF BRANCHES 9509 9797 9825 316 28
CATEGORY OF BRANCHESRURAL 3605 3617 3621 16 4SEMI - URBAN 2279 2366 2363 84 -3URBAN 1397 1521 1523 126 2METRO 2228 2293 2318 90 25TOTAL 9509 9797 9825 316 28KEY INDICATORS (Amt. Rs. in Crores)DEPOSITS 6,56,239
(-) 0.93%6,97,250(5.26%)
7,05,344(1.16%)
49,105(7.48%)
8,094(1.16%)
ADVANCES 5,46,234 (1.27%)
5,90,664(9.51%)
6,05,879(2.58%)
59,645(10.92%)
15,215(2.58%)
CREDIT DEPOSITRATIO
83.24 84.71 85.90 2.66 1.19
PS ADVANCES
(% Growth )(% to advances)
2,46,018
(8.37%) (45.61%)
2,70,836
(19.31%)(50.21%)
2,72,274
(0.53%)(46.10%)
26,256
(10.67%)
1,438
(0.53%)
AGRI ADVANCES
(% Growth)(% to advances)
82,075
(3.25%) (15.22%)
83,157
(4.62%)(15.42%)
87,651
(5.40%)(14.84%)
5,576
(6.79%)
4,494
(5.40%)
MSME ADVANCES
(% Growth)(% to advances)
1,04,882
(10.55%) (19.44%)
1,27,174
(34.05%)(23.58%)
1,26,663
(-) 0.40%(21.44%)
21,781
(20.77%)
-511
(-) 0.40%
WEAKERSEC. ADV
(% Growth)(% to advances)
45,247
(9.56%) (8.39%)
45,120
(9.25%)(8.36%)
46,195
(2.38%)(7.82%)
948
(2.10%)
1,075
(2.38%)
Position of Kisan Credit Cards for the period ended
June, 2018
March, 2019
June, 2019
GrowthY-O-Y
(June, 18 to June, 19)
Growth over March, 2019
Accounts 27,87,755 27,08,892 27,81,370 -6,385 72,478
Amount 45,835 46,839 49,339 3,504 2,500
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AGENDA No.1
Confirmation of the proceedings of last meeting
The proceedings of the 161st meeting of State Level Bankers’ Committee for the year ended March, 2019 held on 6th June, 2019 were circulated to all the members on 3 rd
July, 2019. Subsequently, an addendum to the above proceedings of the meeting was circulated to all the members on 5th August, 2019. Since then, no comments / amendments have been received from any of the members, the House is requested to confirm the same.
AGENDA No.2
FOLLOW-UP ACTION ON PENDING ISSUES:
Sr. Issues Action taken1 Development of
online portal for sponsoring and tracking of loan applications of State Govt. Sponsored Schemes.
The matter has been pending for past couple of SLBC meetings. In the 160th meeting of SLBC held on 19th
March 2019, official from NIC presented demo of the portal and it was informed that portal is in advanced stage of roll out.
As informed by Director (IF), Govt. of Gujarat, the portal has already been hosted and the same is proposed to be rolled out on the day of SLBC meeting.
2 Enanctment of Tenancy law in the Gujarat State.
In the preceding meeting of SLBC, the Regional Director of RBI urged for enactment of Tenancy law in the State, as in the absence of the legal set up tenant farmers, landless labourers, share croppers etc. are not getting credit from formal channel. The Director (IF), GoG has taken up the matter with Addl. Chief Secretary (Rev.), GoG vide his letter dated 20th July 2019.
The Steering Sub-Committee deliberated the matter and decided to obtain more inputs / information for providing to Revenue Dept., Govt. of Gujarat in further pursuance of the matter.
3 Unwarranted reverification of documents and recording of Statements being practised by local police authorities.
In the 160th meeting of SLBC held on 06th June 2019, the State Govt. was apprised that even after issuance of order for taking over possession of Secured Assets by the District Magistate under the SARFAESI Act 2002, the local Police authroties are carrying out reverification of documents and recording Statements of Bank offficials which is uncalled for as per the guidelines of the Act. The State Govt. was also apprised about issuance of specific circular in this regard by Govt. of Maharashtra and was exhorted for issuance of similar kind of guidelines for local police authorities in the State.
The Director (IF), Govt. of Gujarat informed that the matter was taken with Home Department, Govt. of
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Gujarat. Since Banks are paying charges towards police protection in advance, issuance of such notification will expedite recovery measures. Therefore, State Govt. is once again requested for issuance of circular advising local police authorities in the State to devoid of such practise.
4 Saturation of Kisan Credit Card (KCC) Scheme. Providing village-wise list of farmers left uncovered under the scheme.
It was deliberated in the last meeting of SLBC that field functionaries of Branches are not able to find farmers in the villages, who are not KCC holders but otherwise eligible for KCC scheme.
Owing to wide gap of farmers (25 lakhs) who are not KCC holders as per the Stastitics of the State Govt. and the operational shortcomings being experienced by Bank Branches, the State Govt. was requested to provide village-wise list of farmers who are not yet covered under the KCC scheme.
The State Govt. is requested to create an utility on “Any RoR” website through which Banks can extract village wise list of farmers and can verify with their records to identify the farmers who have not availed KCC facility.
AGENDA No.3
IMPLEMENTATION OF FINANCIAL INCLUSION :3.1 Pradhan Mantri Jan Dhan Yojana (PMJDY)Progress under Opening of Accounts, issuance of RuPay Cards and Aadhaar Seeding as of 21.08.2019:
StateNo. of Accounts opened Aadhaar
Seeded Accounts
% of AadhaarSeeding
Total RuPay Cards issued
% of RuPay Card
issuedRural Urban Total
Gujarat 74,21,477 69,37,796 1,43,59,273 1,15,84,962 80.68% 1,18,64,401 82.63%
Bank-wise position in terms of Aadhaar Seeding & Authentication, Zero Balance Accounts and RuPay card issued in PMJDY Accounts is @ Annexure-A.Banks are requested to expedite Aadhaar seeding in remaining accounts including Zero balance accounts. Position with respect to operative CASA accounts:
State vs. National
Avg.
Total Operative CASA A/cs (in
lakhs)
% Aadhaar Seeded A/cs
% Aadhaar Authenticated
A/cs
% Mobile Seeded A/cs
Gujarat State 584.54 82.73% 47.56% 91.32%
National Average
11913.64 85.90% 56.50% 84.60%
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As per the progress report dated 30th April 2019 received from DFS, MoF, GoI, Aadhaar Seeding in operative CASA accounts in the State stood at 82.73% and average Aadhaar authentication stood at 47.56%, which is considerably below National average of 85.90% and 56.50% respectively. Under Mobile Number Seeding, the performance of the State stood at 91.32% against the National Average of 84.60%. The Bank-wise position in terms of operative CASA accounts is @ Annexure-B.
Basic Minimum facilities in the BSBD AccountsThe RBI vide its circular Ref. No. DBR/LEG.BC.No.47/09.07.005/2018-19 dated 10 th
June 2019 has advised Banks to offer following minimum facilities in the BSBD accounts, free of charge, without any requirement of minimum balance.
a. The deposit of cash at Bank Branch as well ATMs/ CDMs
b. Receipt/ credit of money through any electronic channel or by means of deposit/ collection of cheques drawn by Central/ Stage Govt. agencies and department
c. No limit on number and value of deposits that can be made in a month
d. Minimum of four withdrawal in a month, including ATM withdrawals
e. ATM Card or ATM-cum-Debit Card
Banks are free to provide additional value-added services, including issue of cheque book, beyond the above minimum facilities, which may/ may not be priced (in non-discriminatory manner) subject to disclosure. Taking a cue from the aforesaid modifications as notified by the RBI, Banks are requested to pass-on benefits of the new features of BSBD accounts to eligible customers. 3.2 Social Security Schemes
A. PMSBY and PMJJBY Progress in enrollments and claim settlement percentage (%) under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Pradhan Mantri Suraksha Bima Yojana (PMSBY) as of 30.06.2019 is as below:
Particulars PMJJBY PMSBYTotal enrollment 26,42,833 62,20,251
Claim settlement status as on 30.06.2019Claims lodged 12922 2842
Claims Paid 11573 2354
Claims Rejected 564 309
Claims under process 785 179
Settlement %age 95.35% 88.40%Major Reasons for rejections of cases under PMJJBY & PMSBY:PMJJBY – Death during the lien period of the policy i.e. Death within 45 days of policy initiation PMSBY – Death due to causes other than accident as per Post Mortem/ FIR Report/ Not coverd under the policy
The Bank wise enrolment under Social Security Schemes is attached @ Annexure-C.
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B. Atal Pension Yojana (APY)The total enrolments under APY for last five years is as below:
Particular FY 15-16
FY 16-17
FY 17-18
FY 18-19
FY 19-20 (Till 30th
June 2019)
Total no. of enrolments 1,34,563 1,08,460 2,08,487 2,33,972 53,403
Average Enrolment per branch* 14 11 22 25 6
*Total no. of authorized branches for APY in the State is 9371Bank-wise achievement against the targets for F.Y. 2019-20, as provided by the PFRDA is @ Annexure- D.Banks are requested to sensitize their Branches and gear up their efforts for achieving APY targets as set by the PFRDA.
APY Citizen’s choice campaignThe Citizen’s choice campaign for the APY scheme was held in the four major districts of Gujarat viz. Ahmedabad, Vadodara, Rajkot & Surat in the month of August 2019. Under the campaign, Town Hall meetings were held in these districts to create awareness about this scheme amongst the workers of unorganised sectors such as MSMEs, Daily Wagers, Farm Laborers, persons working on ad hoc basis in various organisations. 3.3 Financial Inclusion Plan:
A. Opening of Banking Outlets in Unbanked Rural Centres
RBI vide letter No. FIDD.CO.LBS.BC.No3712/02.01.001/2017-18 dated 05 th June, 2018, advised SLBC Convenor Banks to table the updated list of Unbanked Rural Centers in all SLBC meetings while reviewing the progress of providing Banking services in Unbanked Rural Centers. Moreover, as per directives of RBI, villages without Banking Outlet having population 5000-9999 (i.e. Tier 5 centers) have been given separately on the SLBC website and the district-wise gap in opening of “Banking-outlet” in identified villages having population 5000-9999 is given @ Annexure-E. By the quarter ended June 2019, in total identified 403 Tier 5 centers, Banking Outlets have been found present in 237 centers and in 166 centers Banking Outlets are yet to be opened. Therefore, Banks are requested to expedite opening of Banking Outlets in URCs which would also help them to comply with RBI’s criteria of opening of at least 25% of total Banking Outlets in URCs, as per the circular of Dept. of Banking Regulation, RBI dated 18th May 2017. As regards to opening of Banking Outlet in the Tier IV centers, all Unbanked Rural Centers have been covered with Banking Outlet either through Brick & Mortar or BC model and there doesn’t exist any URC pending with opening of Banking Outlet in Tier IV centers.
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B. Deployment of additional BCs in locations not having Banking facility within 5 Kms:
The Dept. of Financial Services, Ministry of Finance, Govt. of India had earlier identified 743 villages of the State where Banking facilities were not available within vicinity of 5 kms and all of these locations have been covered with the Banking Outlet (either Bank Branch or Bank Mitra).
The DFS, MoF, GoI vide its letter dated 22nd July 2019 further identified 216 villages of the State where Banking facility is not available within vicinity of 5 kms. In these 216 villages, 5 villages of Junagadh districts were found to be under dense forest area and had no local inhabitant residing in these villages. Accordingly, the certificate duly attested by Collector & District Magistrate, Junagadh was obtained regarding no inhabitation in these villages, whereas rest of 211 villages have been covered with Banking facilities through Banking Outlet (either Bank Branch or Bank Mitra).
Bank / District wise Banking Outlets opened in the 211 allotted villages are @ Annexure-F and Annexure-G. Banks are requested to ensure updating the latitude and longitude of their Banking Outlets operating in these villages on the FI- Plan Portal being maintained by the DFS.
C. Classification of Model of Banking Correspondent as Banking Outlet
As per the Rationalization of Branch Authorization policy of RBI issued vide circular no. DBR.No.BAPD.BC.69/22.01.001/2016-17 dated 18th May 2017; if the existing Banking Correspondent (BC) model of various Banks satisfies following stipulations then the BC model currently being employed by Banks could be classified as Banking Outlet (BO):
a. Fixed point service unit carrying uniform signage with name of the bank and authorization from it including contact details of the controlling authorities.
b. Should be manned by either bank’s staff or its Business Correspondent (BC).
c. Should provide services of acceptance of deposits and cash withdrawal for a minimum of 4 hours per day for at least five days a week (The working hours/days need to be displayed prominently).
d. Should have complaint escalation mechanism.
e. Besides above points the bank should have a regular off-site and on-site monitoring.
In addition to above mandatory conditions, the BO may also extend facilities like encashment of cheques and lending of money.SLBC has been following up with various Banks to confirm whether the existing BC model, currently being employed by various Banks qualifies to be classified as BO. So far, State Bank of India, Bank of Baroda, Bank of India, Central Bank of India, Indian Overseas Bank, Baroda Gujarat Gramin Bank, Saurashtra Gramin Bank, HDFC Bank and Jana Small Finance Bank have classified their existing BC model as BO. Remaining Banks are requested to apprise the SLBC whether their existing BC model qualifies to be classified as BO, as classifying BC model as BO would go a long way in assisting covering the Unbanked Rural Areas (URCs) of the State.
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D. Performance of Aspirational Districts under Key Financial Inclusion parameters
After successfully completion of saturating 758 villages of two aspirational districts i.e. Dahod and Narmada under Extended Gram Swaraj Abhiyan (EGSA), focus has now been shifted to improve the other financial inclusion parameters in these districts to bring them at par with other districts. The Govt. of Gujarat is reviewing the following parameters of all 33 districts on monthly basis.The performance of two aspirational districts i.e. Dahod and Narmada with respect of eight measurable parameters is as under.
Sr. ParameterDahod Narmada
Jun. 18 Mar. 19 Jun. 19 Jun. 18 Mar. 19 Jun. 19
1 Disbt. under PMMY (Rs. Cr per 1 lakh pop.) 1.14 13.95 1.68 1.75 18.43 2.56
2 PMJJBY (Enrolments per 1 lakh pop.) 994 1720 1788 2413 3241 3367
3 PMSBY (Enrolments per 1 lakh pop.) 4500 6145 6247 6311 9225 9412
4 APY (Enrolments per 1 lakh pop.) 380 806 928 447 795 761
5 No. of A/cs under PMJDY opened 696176 820303 844455 207491 237196 241106
6 % Aadhaar seeded A/cs 75.50% 81.56% 81.95% 75.20% 79.94% 80.28%
7 % increase in Agri. Finance over previous qtr. (-) 0.98% 4.83% 18.08% 0.02% (-)1.75% 6.46%
8 CD Ratio 40.68 43.42 48.03 61.62 56.42 60.18Though there is an improvement in almost all parameters during the quarter under review, Banks in these districts require much more efforts to bring the performance at par with other districts. 3.4. Financial Literacy CampsThe State has 49 Financial Literacy Centres (FLCs) set up in all districts by respective Lead Banks and RRBs sponsored by them. Out of the above 49 FLCs, 1 FLC is in Metro, 33 are in Semi-urban and 15 FLCs are in Urban areas, whereas no FLC is opened in Rural Areas.As per RBI circular dated 02nd March 2017, rural Branches of Banks are advised to conduct one Financial Literacy Camp per month and FLCs are advised to conduct seven Financial Literacy Camps per month from April 1, 2017 onwards. Conduct of Financial Literacy camps by FLCs for the quarter ended June 2019
Sr.No. Bank
No. of FLC opened by the Bank
No. of Special Camps conducted
No. of Target Specific camps
conducted1 Bank of Baroda 24 287 7932 State Bank of India 9 54 2443 Baroda Gujarat Gramin Bank 11 163 1624 Saurashtra Gramin Bank 5 45 79
Total 49 549 1278
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Conduct of FL camps by Rural branches for the quarter ended June 2019:Total 7,883 camps have been conducted by 2,532 Rural branches of Scheduled Commercial (Including RRBs) during the quarter ended June 2019. The category wise %age target achievement by Banks is as below:
Sr. Category of BankRural full-fledged branch
Target of Financial
Literacy Camps
Total no. of Camps
conducted
% ageTarget Achiv.
1 Public Sector Banks 1688 5064 5375 106%
2 RRBs 506 1518 1475 97%
3 Pvt. Sector Banks 338 1014 1033 102%
Total 2532 7641 7883 104%
The Bank wise percentage (%) of Target achievement is given @ Annexure-H.
Financial Inclusion Fund- A Differentiated Approach
The support from NABARD has been very pivotal in putting in place required financial inclusion infrastructure, as well as spreading Financial Literacy through Financial Literacy Camps. NABARD vide its circular no. 83-556/DFIBT-23/2019-20 dated 23rd April 2019 has informed about continuation of this vital support to Banks for the FY 2019-20. Banks are requested to go through the said circular and apply for prior sanction to NABARD to avail the financial assistance. 3.5 Rural Self Employment Training Institutes (RSETI):
A. Progress in construction of RSETI premises
No. Particulars No. of District Name of Districts
1 RSETIs functioning in own building 17
Amreli, Anand, Banaskantha, Bharuch, Dahod, Kheda, Kutch, Jamnagar, Junagadh, Mehsana, Patan, Porbandar, Rajkot, Sabarkantha, Gandhinagar, Valsad and Surendranagar
2 Land yet to be allotted 3 Bhavnagar, Mahisagar and Narmada
3Tendering under process and approval lying at Bank Level
5 Ahmedabad, Chhotaudepur, Surat, Panchmahal and Tapi
4 Construction work under progress 3 Dangs, Navsari and Vadodara
Total 28
As MoRD, GoI has brought a closure clause for the infrastructure development aspect of the RSETIs w.e.f. 01.04.2015, Lead Banks in remaining 5 newly carved districts (Aravalli, Botad, Devbhoomi Dwarka, Gir Somnath and Morbi) have decided to impart necessary trainings as per existing set up.
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B. No. of training programs conducted by RSETIs and Settlement Ratio
Quarter ended
No. of trainingprogrammes conducted during the
year 2019-20
Cumulative no. of training programmes
since inception
No. of beneficiaries
trained during the year 2019-
20
Cumulative no. of
beneficiaries trained
Cumulative no. of trained beneficiaries settled
Through Bank
finance
Through own
sources Total
June 2019 120 7307 3273 218933
65,446
(29.89%)
87,843
(40.12%)
1,53,289
(70.02%)
Categorywise Cumulative no. of traineesQuarter ended SC ST OBC Women Minorities Others
June 2019
36,227(16.55%)
65,564(29.95%)
76,095(34.786%)
1,85,139(84.56%)
11,800(5.39%)
29,247 (13.36%)
(Figures in brackets show category wise percentage of number of trainees)Banks are requested to improve settlement ratio by extending credit to eligible and willing RSETI trainnees.District wise details are given @ Annexure-I.3.6 Call Centre Services –Toll Free Number - 1800-233-1000 for PMJDY and Toll Free Number - 1800-233-8944 for PMMYAs per instructions of Department of Financial Services, Ministry of Finance, Govt. of India, a Call Centre is being operationalized by SLBC (Gujarat) for attending the enquiries and for grievance redressal of the general public under Pradhan Mantri Jan-Dhan Yojana (PMJDY), Social Security Schemes and Pradhan Mantri MUDRA Yojana (PMMY) in Gujarat.Total expenses incurred during the quarter ended June 2019 are as under:
Sr. No. Details Expenses (Rs.)1 Remuneration 72000.00
2 Telephone expenses 10760.00
Total 82760.00The bank wise details of proportionate expenses for the quarter ended June 2019 has been conveyed to Member Banks by SLBC vide letter no. SLBC-Call Centre/222/ 2019 dated 6th July 2019. Pending Banks are requested to remit their contribution. Details of calls received & expenses incurred during last four quarters:
Name of the Month Sept.,- 2018
Dec.,-2018
March 2019
June 2019 Total
Number of Calls 1,917 1,888 2,217 1,760 7,782
Total Expenses (in Rs.) 1,21,156 1,22,449 1,55,601 82,760 4,79,969
In the last quarter out of total 1760 calls, 1750 were inquiry calls 10 were complaint calls. Complaints made by the callers are being forwarded to respective Banks and Banks are advised to ensure prompt response in addressing the complaints made by the callers.
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AGENDA No.4
OTHER AGENDA4.1 Progress under Pradhan Mantri MUDRA Yojana (PMMY)
The progress under the scheme from 01.04.2019 till 23.08.2019 is as under: (Amt. in crores)
Particular
Shishu Kishore Tarun Total
A/c Disb. Amt. A/c Disb.
Amt. A/c Disb. Amt. A/c Disb.
Amt.
Banks 177054 493 81163 1087 87440 1093 345657 2674
Other Agencies
96508 315 1499 18 143 10 98150 344
Total 273562 809 82662 1106 87583 1103 443807 3018(Other Agencies comprise Foreign Banks, NBFC- MFIs & NBFCs).
Bank-wise, a category-wise detail of performance under MUDRA is given @ Annexure-J1.
Bank-wise, category-wise NPA as on 23.08.2019 since inception is as under: (Amt. in crores)
Shishu Kishore Tarun TotalOutstandin
g NPA Outstanding NPA Outstandin
g NPA Outsanding NPA
322573
(2.63%)
4360232
(5.32%)
3369144
(4.27%)
10954450
(4.10%)
Bank-wise, category-wise details of NPA against Outstanding in MUDRA loans are given @ Annexure J2.
4.2 Implementation of “Stand up India”
Cumulative progress as of 31/08/2019 since inception under Stand Up India in Gujarat is as under:
Sanctions DisbursementsAccounts Amount (Rs. in crore) Accounts Amount (Rs. in crore)
5264 1537.98 3865 878.36
The Bank wise details are given @ Annexure-K.Since the performance under the scheme is not up to the mark, all stakeholders are requested to take note of the following action points to improve performance during the current financial year.
Branches and LDMs have to visit the Standupmitra portal on regular basis.
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DIC, Banks, NABARD and SIDBI have to organise the seminar / workshop / town hall meeting to impart more awareness of the scheme in the State.
Display of Banner / Poster showing the salient features of the scheme at Branch / ATM premises.
DIC / NABARD / SIDBI may give advertisements through newspaper or local media to make wide publicity of the scheme.
SC / ST welfare and Women development department may take lead to generate good number of application under the Scheme.
Review the bank wise performance thoroughly during the DLCC meeting and instruct the lagging banks to improve upon the performance.
4.3 Pradhan Mantri Awas Yojana (Urban)–Credit Linked Subsidy SchemeSince inception till 09th August 2019, total Rs.4317 Crores subsidy has been disbursed to the 1,83,085 beneficiaries in the State. The PLI / Bank wise details are given @ Annexure-L.
Position as of 09.08.2019Category of PLI No. of cases disbursed Subsidy (Rs. In Crores)
Public Sector Banks (18) 24000 544.21
Private Sector Banks (17) 40100 969.46
Regional Rural Banks (2) 694 15.79
Co-operative Banks (24) 3132 66.81
Small Finance Banks (2) 563 12.91
Housing Finance Co. (51) 114586 2707.71
Total 183085 4316.90
It has been observed, number of beneficiaries under the scheme from Housing Finance Cos. far exceeds from Public Sector Banks, Private Sector Banks, Small Finance Banks altogether. Hence, Banks need to ensure that all eligible housing loan borrowers are extended benefits of the scheme. Banks are also advised to carry out publicity of the scheme at Branch / ATM premises and organising a work shop with real estate developers to create awareness of the scheme.
Ministry of Housing and Urban Affairs, Govt. of India vide notification dated 12th June, 2018 has enhanced carpet area in MIG I category from “upto 120 square meter” to “upto 160 square meter” and in MIG II category from “upto 150 square meter” to “upto 200 square meter”. The enhancement in carpet area will be effective from the date the CLSS for MIG had become effective i.e. 01.01.2017 and hence this enhancement in carpet area will enable more number of borrowers to take benefit of the scheme.
Important to note that the PMAY CLSS Scheme covers two income segment under MIG viz. annual house hold income between Rs 6 lakhs to 12 lakhs and Rs 12 lakhs to 18 lakhs per annum. As Housing being basic need of an individual and income criteria of the scheme being so wide, a large section of Housing loan borrowers could be extended benefits of the PMAY-CLSS scheme.
Controlling Head of Banks are requested to take up the matter with their respective Head Office/ Corporate office, so as to effectuate necessary changes in the CBS system of their Banks, for aligning the Housing loan details of the
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customer with PMAY CLSS claim format, so that claim data for the PMAY CLSS scheme could be directly be fetched from the CBS of Banks, which would ultimately improve number of beneficiaris under the scheme. 4.4 Implementation of Pradhan Mantri Fasal Bima Yojana (PMFBY).Agriculture & Co-operation Department, Government of Gujarat vide their GR No. PFB-102019-1389-K.7 dated 04th July 2019 has issued guidelines for implementation of Pradhan Mantri Fasal Bima Yojana (PMFBY) for Kharif-2019 season. As per the guideline, the last date for online entries by Bank Branches for notified Kharif crops (except Castor & Banana) was fixed at 15 th July 2019, whereas for Castor & Banana the last date was 31st August 2019. Though the State Govt. had mandated that Aadhaar number of Famer is to be inputted while doing entries of PMFBY application on the i-Khedut portal, on representation by SLBC the mandatory inputting of Aadhaar for PMFBY application was done away with due to paucity of sufficient time. However, the State Govt. advised Banks that mapping of Aadhaar number with PMFBY applications of farmers is to be completed by 15 th October 2019 on the i Khedut Portal by the Bank Branches. Banks are requested to pass on necessary instructions to their branches for mapping Aadhaar number with PMFBY application. Closure of State Run Portal Designed For Crop InsuranceThe Ministry of Agriculture & Farmers Welfare, Govt. of India vide its letter dated 29 th
April 2019 has directed State Govt. to migrate existing KCC portal being maintained by State Govt. to National Portal from Kharif 2019 onwards so as to bring uniformity of the portal across the nation and unavailability of some features/ services such as online policy, CSC, CBS, CCE app etc. on the State run portal. Though State Govt. has requested Central Govt. to allow the State run portal, the final decision on the matter is yet to be conveyed. State Govt. is requested to ensure in any case, Banks have to submit the data only on anyone portal and the decision on the matter is conveyed at the earliest. Performance under the PMFBY Scheme for the last three Kharif season is tabulated hereunder:
Kharif 2017 Kharif 2018 Kharif 2019
Number of applications (in lakhs) 14.86 15.53 13.67
Area covered (Lakhs Hac) 23.32 22.42 25.39
Sum Assured (Crores) 11095 11907 14110
Premium Collected (farmers’ share in crores) 368 366 437
Crop Insurance claim settled
Number of farmers recipient of claims (lakhs) 3.65 12.07 -------
Amount of claim settlement (crores) 1058 2334 -------
4.5 Doubling of Farmers’ Income by 2022
To double farmers’ income by 2022, as suggested by NABARD it is imperative to – a. Increase term lending under agriculture which can give boost to development of
infrastructural capital
b. Generation of income from sources other than farming needs to be addressed
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Banks are requested to emphasis on above two key findings of the survey conducted by NABARD which will give a long way in doubling farmers’ income by 2022. 4.6 Success Stories/ New Initiatives / Fraud cases for presentation in the
SLBC meeting
As per the Revamp of Lead Bank Scheme guidelines, SLBC has been requesting Success Stories/ New Initiatives / Fraud Cases for presentation in SLBC meeting. We would like to present brief guidelines for Success Stories/ New Initiatives / Fraud Cases which may be mailed to SLBC for presentation in the SLBC meeting.
a. Guidelines for presentation of Success Stories/ New Initiatives:
Success Stories/ New Initiatives shall be narrate of pioneering strategy adopted by Bank, which has brought kind of positive turnaround in the life of larger section of society through Bank credit.
Individual loan cases sanctioned by Banks will not be considered for presentation.
Success Stories are presented for replication or as a path setting example, which other Banks may follow. Hence, something already in practice by Banks will not be considered for presentation.
Success Stories / New Initiatives shall be supplemented with brief audio-video bite presenting its narrative.
b. Guidelines for presentation of fraud cases:
Fraud cases, involving only new modus operandi used by fraudster, about which awareness among Banks could be created, so as to avoid possible reoccurrence may be forwarded to SLBC.
Cases of fraud, for which guideline is already issued by RBI to thwart its occurrence, will not be considered for presentation in the SLBC.
SLBC has been repeatedly requesting Member Banks to mail Success Stories/ New Initiatives/ Fraud Cases which satisfies aforementioned stipulations and so that Success Stories/ New Initiatives could be replicated by other Banks and the modus operandi being adopted by fraudsters could be brought to the knowledge of various Banks, so as to prevent further reoccurring of such crimes. 4.7 Constitution of Sub-Committee on Deepening of Digital Payment and idetification
of 100% digitally enabled district
On the basis of recommendation of Committee on Deepening of Digital Payments (Chairman: Shri Nandan Nilekani), the RBI vide its letter Ref. No. FIDD.CO.LBC.No. 475/02.01.001/2019-20 dated 27th August 2019 advised for constituion of Sub-Committee for deepening of digital payment in the State. Accordingly in the special meeting of SLBC convened on 30th August 2019, the constitution of the Sub-Committee for deepening of digital payment was decided under the Convenorship of Central Bank of and other Members as per followings:
1. General Manager, Central Bank of India, Convenor2. Reserve Bank of India, Member3. Bank of Baroda, Member4. State Bank of India, Member5. Bank of India, Member6. Union Bank of India, Member
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7. Punjab National Bank, Member8. Canara Bank, Member9. HDFC Bank, Member10.GSCB, Member
The House is requested to approve the Constitution of the Sub-Committee on deepening of digital payments.
It is further advised by the RBI to identify one district in each State to make it 100% digitally enabled within a time frame of one year. Hence, once the Constitution of the Sub-Committee on deepening of digital payments is approved by the House, the Sub-Committee will identify suitable district for making it 100% digitally enabled. The district so idenfied will be intimated to other members by the SLBC. Banks and Lead District Managers are requested to sensitize Branches, create awareness amongst customers and create an enabling enviroment for maximising use of digital mode of transactions. 4.8 Interest Subvention Scheme for Kisan Credit Card (KCC) to Fisheries and
Animal Husbandry farmers during the year 2018-19 and 2019-20
The RBI vide its circular Ref. No. FIDD.CO.FSD.BC.12/05.05.010/2018-19 dated 4th February 2019 has intimated about extending KCC facility to animal husbandry farmers and fisheries for their working capital requirement. Now RBI vide its circular Ref. No.FIDD.CO.FSD.BC.No. 10/05.02.001/2019-20 dated 26th August 2019 has issued operational guidelines of the Interest Subvention Scheme for Kisan Credit Card facility to fisheries and animal husbandry farmers for a period of two years i.e. 2018-19 and 2019-20. As per the operational guidance, the maximum composite limit of Kisan Credit Card (KCC) Scheme inclusive of crop loan and working capital limit for fisheries & animal husbandry is fixed at Rs 3 lakhs, whereas, maximum short term loans for fisheries & animal husbandry eligible for interest subvention is capped at Rs 2 lakhs. Under the scheme interest subvention of 2% per annum will be extended to lending institutions viz. Public Sector Banks (PSBs) and Private Sector Commercial Banks and effective rate of lending for Fisheries and Animal Husbandry under the KCC scheme will be 7%. Moreover, additional interest subvention of 3% per annum will also be extended to prompt repaying farmes (i.e farmers repaying their dues on or before due date) under the scheme. By and large, the Interest Subvention Scheme for fisheries & animal husbandry works on the same guidelines as applicable to Interest Subvention Scheme for Crop loans and the detailed circular issued by the RBI in this regard is @ Annexure- M.Banks are requested to take note of the aforesaid guidelines issued by the RBI and pass-on benefits of interest subvention to eligbile farmers. As the State of Gujarat is having the longest coastal line in the country and the State has also contributed significantly in ensuring success of White Revolution, the extension of Interest Subvention Scheme to fishries & animal husbandry could revive White and Blue Revolution which will give major boost to rural economy in the State.
The Scale of Fianance for deciding working capital limit for Fisheries and Animal Husbandry Scheme as decided by District Level Technical Committees of various Districts is @ Annexure-N and the same is available on the website of SLBC as well.
4.9 Campaign for generation of Ideas and consultations till Branch level- Bankers’ meet at Regional/ State/ National levels - Bottom up approach
The Dept. of Financial Services, Ministry of Finance, Govt. of India vide its letter dated F.No. 4/3/2019-BOA-II dated 09th August 2019 advised Public Sector Banks to
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conduct a bottom-up consultative process from Branch level upward which involved discussions at the Branch/ Regional level (Stage 1), SLBC/ State level (Stage 2) and National level (Stage 3).
Under this bottom up approach, all Public Sector Banks at Intra-Bank level conducted Consulative Process at Branch/ Regional level (Stage 1) and the ideas so generated at Stage 1 were further deliberated at SLBC/ State level (Stage 2) level Consultative Process held on 22nd & 23rd August 2019 in the State.
Executives from all the Public Sector Banks participated in the two days’ consultation event, which formed a solid base in providing inputs for National level (Stage 3) Consultations. Under the campaign, executives of the Public Sector Banks broadly discussed on the nine thematic papers prepared by the domain experts and how the subjects of these thematic papers be aligned with national priorities.
Soliciting inputs from Branch, which forms the bottom end execution point of any scheme/ programme and aligning of Banking with National Priorities were the coherent objective of the Consultation Process which involved discussions and generations of ideas at three Stages.
AGENDA No.5
REVIEW OF BANKING DEVELOPMENTS IN KEY AREAS FOR THE QUARTER ENDED JUNE, 2019 :
During the quarter ended June, 2019, total number of bank branches increased by 28 taking the total network of branches from 9797 as of March, 2019 to 9825 as of June, 2019 in the State as per the details given in Annexure- 1.
BRANCH EXPANSIONParticulars For the quarter ended
Bank Group June, 2018
March, 2019
June, 2019
Growthy-o-y
Variation over March, 2019
State Bank Group 1277 1237 1238 -39 1Nationalised Banks 4154 4006 3998 -156 -8RRBs 769 771 771 2 0DCCBs 1379 1404 1417 38 13GSCARDB 181 181 181 0 0Private Sector Banks 1620 1925 1947 327 22Small Finance Banks 129 273 273 144 0Total 9509 9797 9825 316 28
DEPOSITS GROWTH:The aggregate deposits of the banks in Gujarat marginally increased by Rs.8,094 Crores in absolute terms from Rs.6,97,250 Crores as of March, 2019 to Rs.7,05,344
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Crores as of June, 2019 registering growth of 1.16% as against negative growth of 0.93% for the corresponding period of the previous year.
The banks groupwise deposit growth and level as of June, 2019 are given below. The bankwise and districtwise details are given in Annexure – 1A & 1B.
BANK GROUP FOR THE PERIOD ENDED (Rs. in Crores)
June, 2018
March, 2019
June, 2019
GrowthY-o-Y
Absolute growth over March, 2019
State Bank Group 1,40,261(0.94%)
1,46,984(5.78%)
1,49,331 9,070(6.47%)
2,347(1.60%)
Nationalised Banks 3,29,921 (-)1.82%
3,26,408(-) 2.87%
3,23,702 (-) 6,219(-) 1.88%
-2,706(-) 0.83%
RRBs 12,671(0.57%)
14,012(11.22%)
13,969 1,298(10.24%)
-43(-) 0.31%
DCCBs 27,029(1.74%)
29,296(10.27%)
30,289 3,260(12.06%)
993(3.39%)
GSCARDB 261(-) 0.76%
270(2.66%)
270 9(3.45%)
00.00%
Private Banks 1,45,835(-)1.44%
1,78,664(20.74%)
1,85,915 40,080(27.48%)
7,251(4.06%)
Small Finance Banks 261(NA)
1,616(N.A.)
1,868 1,607(615.71%)
252(15.59%)
TOTAL 6,56,239(-) 0.93%
6,97,250(5.26%)
7,05,344 49,105(7.48%)
8,094(1.16%)
(Figures in the brackets for the quarter ended June, 2018 indicate % growth over previous quarter, whereas figures in the brackets for the period ended March 2019 indicate % growth over previous year).
The highest percentagewise growth was registered by Small Finance Banks (15.59%) followed by Private Banks (4.06%), DCCBs (3.39%), State Bank of India (1.60%), whereas RRBs (0.31%) and Nationalised Banks (0.83%) registered negative growth. There is no change in case of GSCARDB.
The NRI deposits increased by Rs.317 Crores and stood at Rs.72,450 Crores forming 10.27% of the total deposits as of June, 2019 as against Rs.72,132 Crores (10.35%) as of March, 2019.
CREDIT EXPANSION :During the period under review, the aggregate credit increased by Rs.15,215 Crores in absolute terms from Rs.5,90,664 Crores as of March, 2019 to Rs. 6,05,879 Crores as of June, 2019 registering a growth of 2.58%, as against a growth of 1.27% for the corresponding period of previous year.
The banks groupwise credit growth and level as of June, 2019 are given below. The bankwise and districtwise details are given in Annexure – 1A & 1B.
BANK GROUP
FOR THE PERIOD ENDED (Rs. in Crores)
June, 2018
March, 2019
June, 2019
GrowthY-o-Y
Absolute growth over March, 2019
State Bank Group 1,00,647(-)0.46%
1,15,690(14.42%)
1,13,437 12,790(12.71%)
-2,253(-) 1.95%
Nationalised Banks 2,03,760 1,98,560 1,99,149 -4,611 589
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(-)1.21% (-) 3.73% (-) 2.26% (0.30%)
RRBs 7,508(-)0.12%
8,613(14.58%)
8,662 1,154(15.37%)
49(0.57%)
DCCBs 21,393(24.81%)
20,905(21.96%)
22,064 671(3.14%)
1,159(5.54%)
BANK GROUP FOR THE PERIOD ENDED (Rs. in Crores)
June, 2018
June, 2018
June, 2018
June, 2018 June, 2018
GSCARDB 552(-) 4.50%
579(0.17%)
579 27(4.89%)
0(0.00%)
Private Banks 2,09,480(1.30%)
2,41,233(16.65%)
2,56,544 47,064(22.47%)
15,311(6.35%)
Small Finance Banks 2,894(NA)
5,083(N.A.)
5,444 2,550(88.11%)
361(7.10%)
TOTAL 5,46,234(1.27%)
5,90,664(9.51%)
6,05,879 59,645(10.92%)
15,215(2.58%)
(Figures in the brackets for the quarter ended June, 2018 indicate % growth over previous quarter, whereas figures in the brackets for the period ended March 2019 indicate % growth over previous year).
The data reveal that the overall growth in outstanding advances was 2.58% during the quarter, which was contributed mainly in percentage terms by Small Finance Banks (7.10%), Private Banks (6.35%), DCCBs (5.54%), RRBs (0.57%), Nationalised Banks (0.30%) whereas State Bank of India (1.95%) has registered negative growth during the quarter under review. There is no change in case of GSCARDB.
CREDIT DEPOSIT RATIO:The Bank groupwise Conventional CD Ratio is given below:
Bank GroupFOR THE PERIOD ENDED
June, 2018 March, 2019 June, 2019 Variation over March, 2019
State Bank Group 71.76 78.71 75.96 (-) 2.75Nationalised Banks 61.76 60.83 61.52 0.69RRBs 59.25 61.47 62.01 0.54DCCBs / GSCB 80.42 72.67 74.10 1.43Pvt. Sector Banks 143.64 135.02 137.99 2.97Conventional CD Ratio 83.24 84.71 85.90 1.19
The CD Ratio as of June, 2019 increased by 1.19% over March, 2019 and stood at 85.90%. As per the RBI guidelines, the CD Ratio, inclusive of RIDF, for the State as a whole is as under:
( Rs./ Crores )
Advances RIDF Total Deposits CD Ratio6,05,879 27,313 6,33,192 7,05,344 89.77
CD Ratio Below 40%
As of June, 2019, the CD Ratio in the following 7 (Seven) districts is below 40% where the all Stakeholders are required to put in special efforts to increase the same.
Sr. Name of District
CD Ratio June, 2018
CD Ratio March, 2019
CD Ratio June, 2019
Variation over June, 2018
Variation over March, 2019
1 Dangs 11.92 13.34 13.15 1.23 (-) 0.192 Navsari 23.46 25.85 26.56 3.10 0.713 Anand 25.80 28.61 27.39 1.59 (-) 1.22
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4 Porbandar 24.97 28.01 29.25 4.28 1.245 Kheda 36.89 38.58 37.72 0.83 (-) 0.866 Mahisagar 35.66 39.40 35.99 0.33 (-) 3.417 Tapi 31.18 36.00 37.23 6.05 1.23
From the above table, it can be seen that CD Ratio in 3 districts has increased over March, 2019 whereas it has decreased in 4 districts. However, CD Ratio of all 7 districts has increased over June 2018. During the quarter June, 2019, CD Ratio of Devbhumi Dwarka (43.00%) district has crossed the mark of 40%. Lead District Managers of the above seven districts are advised to conduct Special DLCC meeting for improving C/D ratio as per extant guidelines of RBI and chalk out detailed stategy in collaboration with district administration by identifying near term and long term goals which can improve C/D ratio of these districts. The State Govt. is also requested to come up with infrastructure projects in these districts so that credit off takes place.
As of June 2019, the Dangs (13.15%) in the State is having CD Ratio below 20%.
PRIORITY SECTOR LENDING:
An analysis of the performance in terms of the targets is presented as under :
I. The %wise growth under various areas of priority sectors in respect of All Banks(Excluding RRBs and SFBs) was as under :
(Rs./Crores)
Parameter Bench-mark
Outstanding as of Absolute Growth
over March,
2019
% increase
overMarch,
2019March,
2019% Achi. of NBC
June, 2019
% Achi. of NBC
Priority Sectors 40% 2,58,988 48.69 2,59,874 45.04 886 0.34
Agri. Adv. 18% 76,539 14.39 80,760 14.00 4,221 5.51Weaker Section Adv. 10% 41,231 7.75 42,153 7.31 922 2.24
(% of achievement based on total advances of previous year, as per RBI guidelines)
It reveals from the above data that the Priority Sector Advances have surpassed the benchmark. Though there is an increase in absolute growth in Agriculture Advances, but the benchmark level could not be achieved in Agriculture Advances and Weaker Section.
II. The percentage-wise growth under following areas of priority sectors in respect of Regional Rural Banks was as under :
(Rs. /Crores)
Parameter Bench-mark
Outstanding as of Absolute Growth
over March,
2019
% increase
overMarch,
2019March,
2019% Achi. of NBC
June, 2019
% Achi. of NBC
Priority Sectors 75% 7,694 102.36 7,821 90.80 127 1.65
Agri. Adv. 18% 5,600 74.50 5,651 65.61 51 0.91
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Weaker Section Adv. 15% 2,642 35.14 2,627 30.50 -15 (-) 0.57
(% of achievement based on total advances of previous year, as per RBI guidelines)
Bankwise / Districtwise details are given in Annexure - 2 & 3.RRBs have achieved / surpassed the stipulated benchmarks of 75%, 18% and 15% under Priority Sectors, Agriculture Advances and Weaker Sections respectively.
III. The Bank groupwise percentage share of various components of Priority Sector advances as of June, 2019 is as under:
Sector State Bank of India
Nationalised Banks
Private Banks
Co-op Banks RRBs All
BanksPS ADVs 29.81% 51.69% 42.63% 92.63% 90.80% 46.10%AGRI. ADVs 10.62% 16.76% 7.70% 77.29% 65.61% 14.84%WS ADVs 5.63% 11.53% 4.01% 14.23% 30.50% 7.82%
From the above table, it can be observed that except the benchmark under PS Advances, Banks have not reached to stipulated benchmark under Agriculture Advances and Weaker Section Advances. Performance of State Bank of India requires to be improved under PS, Agriculture and Weaker Section, whereas Nationalised Banks and Private Sector Banks need much improvement under Agriculture advances.
The Member Banks which are below the benchmark (as per Annexure-2) are requested to improve their performance under Priority Sector, Agriculture and Weaker Section advances, so as to achieve the National Goals.
As per revised guidelines of RBI for Priority Sector, the sub-target for Small & Marginal farmers is 8% and for Micro Enterprise is 7.5% of ANBC against which, as of June, 2019, all banks together stood at Rs.27,965 crores i.e. 4.73% and Rs.47,498 Crores i.e.8.04 % respectively.
AGENDA No.6
PROGRESS UNDER SERVICE AREA CREDIT PLAN (SACP) 2019-20:The Statement LBS-MIS-I, II & III for achievement under Annual Credit Plan 2019-20 for the quarter ended June 2019 of the State is given in Annexure - 4.
The summary of target vis-a-vis achievement for the quarter ended June 2019 under Priority Sector Annual Credit Plan 2019-20 is presented hereunder.
(Amount in Rs.Crores)
No. Priority Sector Target 2019-20 Disbt. during the qtr. % Achievement
A/c Amt. A/c Amt. A/c Amt.1 Agriculture 4700064 78434 1736601 36582 36.95 46.64
Of which Farm Credit 4407190 69921 1695208 31877 38.46 45.592 MSME 887497 57323 187048 29859 21.08 52.093 Export Credit 8585 1651 475 462 5.53 27.984 Education 49413 1794 20490 426 41.47 23.755 Housing 127523 12909 51042 2452 40.03 19.006 Other PSA 294492 6667 101858 1097 34.59 16.457 Total PSA 6067574 158778 2097514 70878 34.57 44.64
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The overall achievement in disbursement under Annual Credit Plan (ACP) 2019-20 for Priority Sectors by all the Banks was 34.57% in respect of targets in number of accounts and 44.64% in respect of targets in amount for the quarter ended June, 2019. The highest percentage achievement in terms of amount was recorded in MSME – 52.09% followed by Agriculture – 46.64%, Export Credit – 27.98%, Education – 23.75%, Housing – 19.00%, Other PSA – 16.45%.Out of 33 districts in the State, upto the quarter ended June, 2019, as many as 19 districts remained below the State average of 44.64% under ACP 2019-20.The sector-wise, bankwise and districtwise details under Priority Sector Advances are given in Annexure – 5, 5(A) to 5(H) . Agency wise & sub-sector wise Ground Level Credit Disbursement under Agriculture for the quarter ended June 2019 is given in Annexure - 6 .
AGENDA No.7
POSITION OF CASES FILED UNDER GUJARAT STATE RECOVERYACT,1979(Rs. in Crores)
No. Particulars June, 2019Accounts Amount
1 Cumulative certificates filed 74,829 449.462 Cumulative Recovery effected 14,854 58.78
Of which, cases closed (13,982) (54.75)3 Cases pending 60,847 390.68
Of which,cases pending for more than 3 years 44,210 196.55more than 2 years to 3 years 6,324 58.59more than 1 year to 2 years 6,133 84.98cases pending for less than 1 year 4,180 50.56
District wise details are given in Annexure - 7.All Lead District Managers are requested to incorporate the Agenda on Recovery Certificates, if not done, and critically review the position of pending Recovery Certificates in every DLCC meetings and pursue the matter with the District Authorities for immediate disposal of the same.
The Revenue Department is requested to issue instructions to the District Authorities for quick disposal of pending Recovery Certificates and extend necessary help and support to the Banks in recovery in chronic cases.
Bankwise position of Outstanding, NPA, Percentage of NPA to Outstanding at the quarter ended June, 2019.The Gross Advances of the Banks in the State of Gujarat is Rs. 6,05,879 Crores and Gross NPA is Rs. 39,695 Crores i.e 6.55% as of June, 2019. Consolidated details are as per Annexure - 8.
(Amt. Rs. in crores)
Particulars Amt. Outstanding Amt. of Gross NPA % NPA to Outstanding
Crop Loan 49,339 2,054 4.16Agri. Term Loan 38,312 4,272 11.15Total Agriculture 87,651 6,326 7.22MSME 1,26,663 8,974 7.08Other PS 57,960 1,296 2.24Total Priority Sector 2,72,274 16,596 6.10Non Priority Sector 3,33,605 23,099 6.92
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Total Advances 6,05,879 39,695 6.55Others
Housing Loan 72,693 686 0.94Education Loan 3,790 77 2.03
All Member Banks are requested to ensure accurate reporting of NPA so as to present factual position.
AGENDA No.8
REVIEW OF PROGRESS UNDER VARIOUS GOVT. SPONSORED PROGRAMMES FOR THE QUARTER ENDED JUNE, 2019.
The Summary of performance for the quarter ended June, 2019 in implementation of various bankable schemes sponsored by Central / State Government is presented hereunder.
The schemewise / districtwise details are furnished in the Annexure - 9 to 16.
Comparative performance under Central Govt. Sponsored Programmes.Period ended PMEGP DAY-NULM
June, 2018 18.34% (No.)52.14% (M.M.) 18.12%
June, 2019 7.92% (No.)23.06% (M.M.) 11.76%
(Rs./ Lakhs)
PARTICULARS BANKABLE SCHEMESPMEGP DAY-NULM
Target (2019-20) 2994 (No)7,485 MM (Amt.) 2500 (Individual cases)
Sponsored (No.) 787 1514Sanctioned (No.) 237 294Sanctioned (Amt) M.M. 1726 326Retd./Rejtd. (No.) 54 179Pending (No.) 496 1041% achievement (No.) 7.92 11.76% achievement (Amt.) M.M. 23.06 -
(M.M. = Margin Money)
Prime Minister Employment Generation Programme (PMEGP)
As per the progress report for the quarter ended June, 2019, against the physical target of 2994, Banks have sanctioned 237 applications, i.e. 7.92% achievement. Similarly, against the Margin Money target of Rs.7485 lakhs, Banks have sanctioned projects having Margin Money of Rs.1726 lakhs (23.06% achievement) for the quarter ended June, 2019.
Exemption of EDP training to disbursed loan under PMEGP.
The Directorate of PMEGP, KVIC, Mumbai vide its circular no. PMEGP/Policy/2019-20 dated 20.08.2019 has granted exemption of EDP training to disbursed loans under PMEGP till 30.09.2019. The said exemption will facilitate the financing Banks to disburse the first installment of loan and claim / upload margin money subsidy claims
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on the PMEGP online portal without waiting for completion of EDP training and to achieve the 100 days targets for the year 2019-20. All the pending EDP trainings pertaining to cases sanctioned upto 30.09.2019 shall be completed during the next quarter i.e. 31.12.2019.
Deendayal Antyodaya Yojana – National Urban Livelihood Mission (DAY-NULM)
Against the target of 2500 individual loan applications, Banks have sanctioned 294 applications i.e. 11.76% achievement for the quarter ended June, 2019.
Comparative performance under State Govt. Sponsored Programmes
% AchievementPeriod VBS GSCDC DCWD GWEDC JGVY DTAISY
June, 2018 31.31 2.24 6.32 6.82 4.00 9.90June, 2019 19.98 1.66 4.41 17.82 0.00 10.70
(Amt. inRs. Lakhs)PARTICULARS BANKABLE SCHEMES2019-20 VBS GSCDC DCWD GWEDC JGVY DTAISYTarget (Number) 36,800 5000 5334 1100 200 1000Sponsored (No) 22570 820 2459 1095 19 1473Sanctioned (No) 7352 83 235 196 0 107Sanctioned (Amt) 17348 61 114 83 0 52Retd./Rejtd. (No) 2926 29 279 8 1 161Pending (No) 12292 708 1945 891 18 1205% achievement 19.98 1.66 4.41 17.82 0.00 10.70
VAJPAYEE BANKABLE SCHEME (VBS) :The achievement against the target stood at 19.98% at the quarter ended June, 2019 as against 31.31% achievement for the corresponding period of the previous year, which is lower than the previous year.
GUJARAT SCHEDULED CASTES DEVELOPMENT CORPORATION (GSCDC) :The achievement of target in terms of cases sanctioned stood at 1.66% for the quarter ended June, 2019 as against 2.24% for the corresponding period of the previous year.
Member Banks are requested to improve the performance during FY 2019-20.
BANKABLE SCHEME OF DEVELOPING CASTES WELFARE DEPARTMENT The achievement stood at 4.41% of the target at the quarter ended June, 2019 as against 6.32% for the corresponding period of the previous year. Banks need to improve their performance under the Scheme. Banks arerequested to gear up the performance under the scheme during current financial year.
GUJARAT WOMEN ECONOMIC DEVELOPMENT CORPORATION (GWEDC) :The achievement was 17.82% of the target at the quarter ended June, 2019 as against 6.82% for the corresponding period of the previous year.
JYOTI GRAM VIKAS YOJANA (MARGIN MONEY SCHEME)- JGVY:
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The achievement stood at 0.00% at the quarter ended June, 2019 as against 4.00% during the corresponding period of the previous year. Banks are requested to improve the same in current financial year.
Dattopant Thengadi Artisan Interest Subsidy Yojana (DTAISY)The achievement stood at 10.70% at the quarter ended June, 2019 as against 9.90% achievement for the corresponding period of the previous year. Though the performance has been improved marginally, but the desired performance is still far from satisfactory level. Banks are requested to improve the same.
Overall performance under all the Govt. Sponsored Programmes for the quarter ended June, 2019 except PMEGP and VBY is far from satisfactory. All the Banks and various Govt. agencies sponsoring the loan applications are required to work in close co-ordination to achieve the targets.
Also, the Block / District level Govt. agencies should invariably attend the BLBC meeting at each Taluka and use that platform for effective implementation of respective Govt. Spon. Programmes.
AGENDA No.9
FINANCING UNDER OTHER PROGRAMMES / SCHEMES
(i) FINANCING TO MINORITY COMMUNITIES & WOMEN ENTREPRENEURS
The summary of fresh loans disbursed during the quarter and the outstanding at the quarter ended June, 2019 to Minority Communities & Women Entrepreneurs by Banks are given in following tables, while the Bankwise fresh disbursements during the quarter have been given in Annexure - 17 & 18.
MINORITY COMMUNITIES : (Rs. in crores)Particulars June, 2018 March, 2019 June, 2019
A/cs A/cs A/cs Amt. A/cs Amt.Disbursement of Fresh loans 43,005 867 1,13,572 3,098 38,035 804
Outstanding 3,78,224 8,903 4,11,365 9,568 4,08,385 9451
Fresh loans of Rs.804 Crores were disbursed by the Banks to 38,035 beneficiaries belonging to Minority Communities during the quarter ended June, 2019. The outstanding reached to the level of Rs.9,451 Crores in 4,08,385 accounts as of June, 2019.
The share of advances to Minority Community to Priority Sector Advances stood at 3.47% at the quarter ended June, 2019.
WOMEN ENTREPRENEURS (Rs. in crores)
Particulars June, 2018 March, 2019 June, 2019A/cs Amt. A/cs Amt. A/cs Amt.
Disbursement of Fresh loans 1,64,841 3,635 6,10,112 14,098 1,88,598 4,013
Outstanding 12,98,264 35,288 15,21,198 39,927 15,73,743 41,110
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Fresh credit to the tune of Rs.4,013 Crores to 1,88,598 beneficiaries was extended in the State during the quarter ended June, 2019. The outstanding advances reached at the level of Rs.41,110 Crores in 15,73,743 accounts and stood at 6.79% of Net Bank Credit.Member Banks are requested to boost up the financing to the Women Entrepreneurs.
(ii) REVIEW OF PROGRESS UNDER HOUSING FINANCE(Rs. in crores)
Particulars June, 2018 March, 2019 June, 2019A/cs Amt. A/cs Amt. A/cs Amt.
Disbursement of Fresh loans 48,703 5,971 1,85,644 21,929 59,135 4,351
Outstanding 8,28,883 69,421 7,00,336 72,598 6,85,107 72,693
As per the information made available by the member banks, fresh loans worth Rs.4,351 Crores have been granted to 59,135 beneficiaries during the quarter ended June, 2019 under Housing Finance. The outstanding level reached to Rs.72,693 Crores in 6,85,107 accounts as of June, 2019. Bankwise details are given in Annexure - 19.
(iii) SELF HELP GROUPS (SHGs):The summary of various parameters under SHGs as furnished by Member Banks for the quarter ended June, 2019 is as under :
(A) Savings Bank account details (Amt. in Rs.lakh)
Savings linkageSavings Bank A/Cs opened during
the quarter ended June, 2019Total No. of Savings Bank accounts as
on June, 2019No.of SHG Accounts
No.of Members
Savings Amt.
No.of SHG Accounts
No.of Members
Savings Amt.
Total No.of SHG Savings A/Cs 2,846 29,482 497 2,43,535 25,55,408 24,237
Out of above,Women SHG 2,687 28,675 495 2,19,534 23,22,144 22,648
(B) SHG Grading and Sanction (Amt. in Rs.lakh)
Grading and Sanction
Accounts Graded and Sanctioned during the quarter ended June, 2019
Cummulative A/cs Graded and Sanctioned during the FY 2019-20
Total accountsGraded
A/cs sanctioned
Sanctioned Amt.
Total accountsGraded
A/cs sanctioned
Sanctioned Amt.
No .of Account 9,596 9,596 5,008 9,596 9,596 5,008Out of above,Women SHG -- 9,596 5,008 -- 9,596 5,008
(C) Disbursement Details : (Amt. in Rs.lakh)
Disbursement of Loans
Disbursement made during the quarter ended June, 2019
Total loans disbursed during the year 2019-20
A/c disb.
Amt. disb.
Out of total a/c disb.no.
Amt.disb.to new
A/c disb. Amt. disb.
Out of total a/c disb.
Amt. disb. to
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of new a/c a/c no.of new a/c new a/cTotal SHGs 9,596 5,008 9,596 5,008 9,596 5,008 9,596 5,008Of above, Women SHG 9,596 5,008 9,596 5,008 9,596 5,008 9,596 5,008
(D) Loan Outstanding and NPA (Amt. in Rs.lakh)
Loans Outstanding Loans outstanding as of June, 2019 Out of which, Women SHGs
Accounts Amount Accounts AmountTotal SHG Loans outstanding 53088 28989 50425 28433
(Amt. in Rs.lakh)
NPA NPAs as on June, 2019 Out of which, Women SHGsAccounts Amount Accounts Amount
NPA against total loan outstanding
8,566(16.14%)
3,428(11.83%)
8,563(16.98%)
3,426(12.05%)
Bankwise details have been given in Annexure – 20(i) to 20(iv).
(iv) REVIEW OF PROGRESS UNDER EDUCATION LOAN :(Rs. in crores)
Particulars June, 2018 March, 2019 June, 2019A/cs Amt. A/cs A/cs Amt. A/cs
Disbursement of Fresh loans 5,762 184 21,842 998 19,411 490
Outstanding 57,725 2,247 63,676 3,822 59,586 3,790
During the quarter, Banks have disbursed Education loans to 19,411 students to the tune of Rs.490 Crores. The outstanding under Education loans stood at Rs.3,790 Crores in 59,586 accounts as of June, 2019.
Bankwise details are given in Annexure - 21.
(v - a) KISAN CREDIT CARD (KCC) :
The number of outstanding KCCs in the State has increased from 27,08,892 as of March, 2019 to 27,81,370 as of June, 2019 showing net increase of 72,478 KCCs during the quarter ended June, 2019.
The bank group wise break up is : Nationalised Banks - 8,21,043, State Bank of India - 3,88,711, RRBs - 3,41,814, Private Sector Banks –1,02,378 and DCCBs -9,41,149.
Bankwise details regarding issuance of KCCs are given in Annexure - 22.
(v - b) Progress under formation of Joint Liability Groups (JLGs) & credit linkage
As per the information received from Member Banks, 11,00,037 JLGs are formed till the quarter ended June, 2019. Out of total JLGs formed, 2,80,878 are under Farm Sector of which 2,69,359 JLGs are credit linked with an amount of Rs. 895 Crores, whereas, 8,19,159 JLGs are formed under Non-Farm Sector,of which 8,01,389 JLGs
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are credit linked with amount of Rs. 1,548 Crores. The Bankwise progress is given in Annexure-23.
(vi) SWAROJGAR CREDIT CARD (SCC) :
Banks have issued 166 SCCs to the tune of Rs. 12.84 Crores during the quarter. In all, 8,483 SCCs have been issued and the amount outstanding is Rs. 84.16 Crores till the quarter ended June, 2019. Bank wise details are given in Annexure - 24.
(vii) ARTISAN CREDIT CARD (ACC) :
During the quarter, 274 ACCs were issued by Banks amounting to Rs. 2.81Crores. Thus, at the quarter ended June, 2019, the outstanding ACCs were 3,119 amounting to Rs. 29.33 Crores. Bankwise details are given in Annexure - 25.
(viii) Weavers Credit Card (WCC)
As per the information provided by Member Banks, during the quarter ended June, 2019, 164 WCCs amounting to Rs. 11.39 Crores have been issued. Thus, at the quarter ended June, 2019, the outstanding WCCs were 393 amounting to Rs. 1.56 Crores. The details are given in Annexure - 26.
Member Banks are requested to monitor the applications pending at their Branch level and dispose of the same at the earliest.
(ix) REVIEW OF CREDIT FLOW TO MSME SECTOR AND CREDIT LINKED CAPITAL SUBSIDY SCHEME FOR TECHNOLOGY UPGRADATION OF MSE
MSME advances stood at Rs. 1,26,663 Crores at the quarter ended June, 2019, of which Rs. 501.74 Crores were extended to 14,384 units for technology upgradation under CLCSSTU. During the quarter ended June, 2019, banks have disbursed Rs. 283.85 Crores to 1,238 units under CLCSSTU. Bankwise details are given in Annexure - 27.
(x) ADVANCES TO SC & ST BENEFICIARIES :
The outstanding advances to SC beneficiaries as of June, 2019 was Rs. 3,428 Crores in 2,52,694 accounts, forming 7.42% of Weaker Section advances, which was 7.55% as of March, 2019. Similarly, the outstanding advances to ST beneficiaries as of June, 2019 was Rs. 3,000 Crores in 2,78,451 accounts, forming 6.49% of Weaker Section advances, which was 6.65% as of March, 2019. Bank wise and Districtwise details are given in Annexure - 2 & 3.
(xi) Progress under "Basic Savings Bank Deposit Account (BSBDA)" with overdraft facility and issuance of General Purpose Credit Cards (GCC)
As per the information received from Member Banks, 4,25,355 "Basic Savings Bank Deposit Accounts" have been opened during the quarter ended June, 2019. Banks have provided overdraft facility to 42,501 accounts amounting to Rs. 8.39 Crores. Total number of "Basic Savings Bank Deposit Accounts" reached to 1,58,08,991 as of June, 2019 with an amount of Rs. 5,874 Crores in these accounts.
During the quarter ended June, 2019, 25,051 GCCs amounting to Rs. 970 Crores have been issued by Member Banks. The cumulative position as of June, 2019 reached
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2,53,321 GCCs amounting to Rs. 8,477 Crores. The Bankwise progress is given as per Annexure - 28 & 29.
(xii) Centrewise availability of ATMs
As per the information provided by Member Banks, there were 11,938 ATMs in the State of Gujarat as of June, 2019. The centrewise / categorywise details of ATMs vis-a-vis number of branches is as under:
Category No. of Branches as of June, 2019
No. of ATMsMarch, 2019 June, 2019
Metro 2,318 4,388 4,619Urban 1,523 2,354 2,409Semi-urban 2,363 2,830 2,932Rural 3,621 1,937 1,978Total 9825 11509 11938
Banks have set up good number of ATMs in Metro, Urban and Semi-urban centres, whereas there is a need to set up more number of ATMs in Rural Areas to help the villagers in availing basic banking services at ease.
The Districtwise/Bankwise details are given in Annexure – 30 & 31.
(xiii) Pledge financing against Negotiable Warehouse Receipts to farmersAs per the information provided by the Member Banks, finance against NWRs to farmers in Gujarat as of June, 2019 was NIL.
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