190th Meeting of State Level Bankers’ Committee of … Meetings/194th SLBC Agenda.docx · Web...

Agenda & Background Notes

09.06.2016 10.00 AM Vijayawada

194th Meeting of State Level

Bankers’ Committee of

Andhra Pradesh (11th

Meeting of Reorganized

A.P State)

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

SLBC of AP 194 th meeting of SLBC Convener:

194th SLBC Meeting Agenda – Index

01. Adoption of Minutes S. No Particulars Page

No.

1.1Adoption of the minutes of 193rd SLBC meeting of AP held on 21.03.2016 & other meetings of SLBC held after 21.03.2016

9

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

S. No Particulars Page No.

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

10

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

10

2.3 Annuity based financing to Micro Irrigation companies under Individual and community based approach

10

2.4 Communication of modalities on retiring high cost informal debt, Issue of ‘Certificate of Cultivators’

10

2.5 Online data entry portal for MSME sector 112.6 Allotment of sites to RSETIS 112.7 Entering the loan charge details on loan charge creation module in AP web land

portal11

2.8 Instructions to branches not to insist on deposits, collateral security etc., contrary to the scheme guidelines while implementing Govt. sponsored schemes, opening of bank accounts & grounding of sanctioned cases.

12

2.9 Reimbursement of VLR & Pavala Vaddi claims for the years 2013-14 & 2014-15 122.10 Issue of Emu farmers to be taken up with GoI 122.11 Sub-committee on engaging SHG members as Banking Correspondents 122.12 Review of OTS scheme implemented by banks for farmers 12

3.0 Conduct of meetings under Lead Bank Scheme

S. No Particulars Page No.

3.1 Conduct of meetings under Lead Bank Scheme 13

3.2 Revised reporting format 13

2


4.0 Banking StatisticsS. No Particulars Page

No. 4.1 Banking at a Glance in Andhra Pradesh as on 31.03.2016 14 4.2 Banking Key Indicators of Andhra Pradesh 15

4.3 Comparative Statement of Banking Key Indicators 15 4.4 Statement of Priority Sector Advances (out standings) 16

05. Achievement of Annual Credit Plan 2015 –16S. No Particulars Page

No.5.1 Achievement of Annual Credit Plan as on 31.03.2016 185.2 Share of Banks in Achievement of ACP 2015-16 205.3 Annual Credit Plan Achievement – Last Three years 255.4 Comparative Statement of Credit Disbursements (Y-o-Y) 26

06. Agriculture SectorS. No. Particulars Page

No.6.1 Progress in lending to Agriculture Sector 27

6.2 Progress in lending to LEC holders 27

6.3Performance of Joint Farming Groups of ‘Bhoomi Heen Kisan’ during the year 2015-16

28

6.4 Pledge financing against Negotiable Warehouse Receipts (NWRs) 296.5 Vaddi Leni Runalu and Pavala Vaddi scheme on crop loans 296.6 Pradhan Mantri Fasal Bima Yojana (PMFBY) 306.7 Green Kisan Credit Card – Micro Finance initiative for Tribal 326.8 Ground Level Credit Target for Agriculture – 2016-17 32

6.9Data submission on Relief measures extended by banks in areas affected by Natural Calamities

33

07. Micro, Small & Medium Enterprises (MSME) SectorS. No. Particulars Page

No.7.1 Position of Lending under MSME sector 337.2 Start-up India Stand Up India Programme 347.3 Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Scheme-

Progress made by Banks 36

7.4 Pradhan Mantri MUDRA Yojana (PMMY) 37

3


7.5 Coir Udyami Yojana (CUY) 37

7.6 Swarojgar Credit Cards (SCC) scheme 38

08. Housing LoansS. No Particulars Page

No.8.1 Position of Housing Loans as on 31.03.2016 388.2 Housing for All (Urban) under Pradhan Mantri Awas Yojana 388.3 Issues relating to RGK & VAMBAY 40

09. Education LoansS. No Particulars Page

No.9.1 Position of Education Loans as on 31.03.2016 40

9.2 Credit Guarantee Fund Scheme for Education Loans (CGFSEL) 40

10. Export CreditS. No Particulars Page

No.10.1 Position of Export Credit in Andhra Pradesh 42

11. Credit Flow to Minority Communities, weaker sections, women and SC/STsS. No Particulars Page

No.

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

42

12. Government Sponsored Schemes - Government of IndiaS. No Particulars Page

No.12.1 National Rural Livelihood Mission (NRLM) Scheme 4412.2 National Urban Livelihoods Mission (NULM) Scheme 4512.3 Prime Ministers’ Employment Generation Programme (PMEGP) 4512.4 Handloom Weavers 4612.5 Dairy Entrepreneurship Development Scheme (DEDS) – Review 4612.6 Agri - Clinics & Agri-Business Centers (ACABC)- Review of progress 4712.7 DRI 47

4


13. Government Sponsored Schemes - Government of Andhra Pradesh S. No Particulars Page

No.13.1 Andhra Pradesh Micro Irrigation Project (APMIP) 4813.2 Fisheries 4813.3 Sericulture 4813.4 A.P. Backward Classes Co-op. Finance Corporation- Performance 4813.5 Federations of BC. Co. op. Societies under BC Welfare Department of GOAP 4913.6 A. P. State Kapu Welfare & Development Corporation Ltd. 4913.7 A.P. Scheduled Castes Co. op. Finance Corporation 5013.8 A.P. State Christian (Minorities) Finance Corporation 5013.9 A.P. Scheduled Tribes Co. op. Finance Corporation Ltd. (TRICOR) 50

13.10 A.P. State Minorities Finance Corporation 5013.11 Welfare of Differently Abled and Senior Citizens 5113.12 Overdue position under Government sponsored schemes as on 31.03.2016 51

14. Position of MFI finance extended as on 31.03.2016S. No Particulars Page

No.14.1 Position of MFI finance extended as on 31.03.2016 52

15. Financial InclusionS. No Particulars Page

No.15.1 Roadmap for opening brick and mortar branches in villages with population

more than 5000 without a bank branch of a scheduled commercial bank52

15.1.1 Progress as on 31.03.2016 5215.1.2 Implementation of PCA (Prompt Corrective Action) plan in Indian Overseas

Bank (IOB) – Reallocation of villages to other banks in the state52

15.2 Availability of ATMs in the State of Andhra Pradesh 5315.3 National Mission on Financial Inclusion Plan – Pradhan Mantri Jan Dhan

Yojana(PMJDY)53

15.3.1 Progress on Number of Accounts opened under PMJDY 5315.3.2 Conversion of normal bank accounts of beneficiaries under DBT into PMJDY

accounts54

15.3.3 Conversion of Small Accounts to Basic Savings Bank Deposit Accounts (BSBDA) 5415.3.4 Deployment of Bank Mithras 55

15.3.5. Solar powered V-SAT connectivity to Kiosk/Fixed CSPs in the Sub Service Areas – Support under FIF

55

15.3.6 Support from FIF for setting up of solar powered V-SAT connectivity – 56

5


Expansion of banking network in the most affected LWE districts15.3.7 Progress report - Number of Enrollments under Social Security Schemes 5615.3.8 Voluntary seeding of Pension accounts with Aadhaar numbers to facilitate

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

56

15.3.9 Rupay Insurance Program FY 2016-17 5715.4 Credit Plus activities 58

15.4.1 Financial Literary Centers (FLCs) - Position in A.P as on 31.03.2016 5815.4.2 Financial Literacy Project in Schools 5815.4.3 Rural Self Employment Training Institutes in Andhra Pradesh 5915.4.4 AP SLBC Call Centre 59

16. Overdue/NPA positionS. No Particulars Page

No.16.1 Overdue / NPA position as on 31.03.2016 under various sectors (Priority) 60

16.2 Overdue / NPA position as on 31.03.2016 under various sectors (Non-Priority) 63

17. Regional Rural BanksS. No Particulars Page

No.17.1 Performance of Regional Rural Banks on Important Parameters 66

18. Other ItemsS. No Particulars Page

No.18.1 Progress of filing of Equitable Mortgage Records on CERSAI 68

19. Circulars Issued by RBIS. No Particulars Page

No.19.1 Reserve Bank of India circulars 68

20. AnnexureS. No Particulars Page

No.1. Bank wise Number of Branches as on 31.03.2016 692. Bank wise Deposits and Advances & CD Ratio as on 31.03.2016 713. District-wise Number of branches as on 31.03.2016 73

6


4. District-wise Deposits and Advances & CD Ratio as on 31.03.2016 745. Bank wise Priority Sector Advances as on 31.03.2016 756. District-wise Priority Sector Advances as on 31.03.2016 77

7.Bank wise total agricultural advances outstanding as on 31.03.2016 (Priority and Non Priority)

78

8.Bank wise agricultural advances outstanding to small and marginal farmers as on 31.03.2016

79

9.Bank-wise total MSME advances outstanding as on 31.03.2016 (Priority and Non Priority)

80

10. Bank wise Housing Loans as on 31.03.2016(Priority and Non Priority) 8211. Bank wise Education Loans as on 31.03.2016(Priority and Non Priority) 8312. Bank wise Social Infrastructure and Renewable Energy loans as on 31.03.2016 8413. Bank wise data on Export Credit as on 31.03.2016 85

14.Bank wise Advances to Minority Communities, Weaker Sections, SC /ST, Women as on 31.03.2016

86

15. Bank wise Advances under DRI as on 31.03.2016 8816. Bank wise Outstanding SHG Advances as on 31.03.2016 9017. Bank wise position on overdue/NPAs (sector wise) as on 31.03.2016 91

18.Annual Credit Plan 2015-16 Bank wise achievements in all sectors as on 31.03.2016 (Both Priority and Non Priority)

109

19.Annual Credit Plan 2015-16 district wise achievements in all sectors as on 31.03.2016 (Both Priority and Non Priority)

112

20. Bank wise Disbursements under Housing Loans as on 31.03.2016 11521. Bank wise Disbursements under Education Loans as on 31.03.2016 116

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

117

23. Progress report on sanction of 5 Term loans per month per branch 123

24.Bank wise statement on loan charge details on loan charge creation module in AP web land portal.

124

25. Bank wise performance under JLG promotion for 2015-16 12526. Bank wise performance under pledge financing against NWRs 12627. District wise progress under CGTMSE during 2015-16 12728. Bank wise performance on PMMY as on 31.03.2016 128

29.Bank wise performance under SCC promotion for the quarter ended March, 2016

132

30. District wise progress under APMIP during 2015-16 13331. District wise progress under Fisheries during 2015-16 13432. District wise progress under Sericulture during 2015-16 135

33.Bank wise progress report under A.P.B.C. Cooperative Finance Corporation during 2015-16

136

7


34. District wise progress under 10 BC Cooperative Societies as on 31.03.2016 137

35.District wise progress under AP State Kapu Welfare & Development Corporation Ltd during 2015-16

147

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

148

37. District wise & Bank wise progress under TRICOR during 2015-16 150

38.District wise & Bank wise progress under AP State Minorities Finance Corporation Ltd. during 2015-16

152

39.NABARD Master Circular on Solar Powered V-SAT connectivity to Kiosk/Fixed CSPs in the Sub-Service Areas – Support under FIF

154

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

162

41.NABARD circular on support from FIF for setting up of solar powered V-SAT connectivity – Expansion of banking network in the most affected LWE districts

169

42. Details of FLCs as on 31.03.2016 17643. Comprehensive Performance report of RSETIs for the financial year 2015-16 18244. Statement of claims submitted by RSETIs 18345. Bank wise progress in filing of Equitable Mortgage records on CERSAI 18446. RBI Circular on Lead Bank Scheme – Strengthening of MIS 185

47.Letter on reporting system in respect of relief extended by banks in areas affected by natural calamities issued by DFS,MoF,GoI

188

48. Data on relief measures extended by banks as on 31.03.2016 19049. Proceedings of the meetings conducted after 192nd SLBC meeting 192

8


1.1 Adoption of the minutes of 193 rd SLBC meeting of AP held on 21.03.2016 & other meetings of SLBC held after 21.03.2016

The minutes of 193rd SLBC meeting held on March 21, 2016 were circulated to the members of SLBC, LDMs and Government Departments concerned.

The minutes of Sub-committee meetings and Steering Committee meetings held after 21.03.2016 and up to 31.05.2016 were circulated to the members of SLBC, LDMs and Government Departments concerned. Details of the meetings held are furnished hereunder.

Sl. No.

Name of the Meeting Date of Meeting held

1 193rd Meeting of SLBC of AP 21.03.20162 Sub-committee of SLBC on Engaging SHG members as Business

Correspondents (BCs)27.04.2016

3 1st Steering Committee Meeting of SLBC of AP 2016-17 31.05.2016

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

9

AGENDA- 1


AGENDA- 2

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

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

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

All Banks & GoAP Progress Report placed as Annexure

No. 22

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

All Banks SLBC has communicated the decision taken during 193rd meeting of SLBC of AP to all controllers of the banks vide Lr.No.666/30/196/43,dated 20.04.2016 with a request that controlling authorities of all banks to encourage the branches to lend minimum 5 Term Loans under Priority sector per month per branch to improve term lending duly following due diligence and for income generation activities.

Progress Report placed as Annexure No. 23

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

Department of Horticulture G.O. awaited

2.4 Communication of modalities on retiring high cost informal debt, Issue of ‘Certificate of Cultivators’

GoAP & Banks

During 193rd meeting of SLBC of AP held on 21.03.2016 it was decided that GoAP, NGOs, NABCON should help the banks in identifying mandals and 2 branches each by all banks to create a model as a beginning with regards to retiring high cost informal debt.

Further it was resolved to introduce “certificate of cultivators” issued by the Agriculture Department up to Rs.1.00 lakh for extending finance to the cultivators.

10


SLBC vide Lr.No.666/30/196/41 dated 20.04.2016 & Lr.No.666/30/15/103 dated 06.05.2016 has requested the Special Chief Secretary, Agril. & Cooperation Department to communicate the modalities for implementation of the schemes duly considering the following aspects in to consideration.1. Administration of Crop insurance for

these loans.2. Legal Validity of the certificate

issued by Agril. Department.3. Particulars to be made available on

the certificate.4. Applicability of Interest Subvention

and Vaddileni Runalu.5. Creation of loan charge on the land.6. Facilities available for these

borrowers in case of any natural calamities.

7. Possibility to extend finance under JLG mode to these tenant farmers.

2.5 Workout the modalities for the proposed online data entry portal for MSME sector.

Department of Industries, GoAP

Department of Industries yet to communicate the modalities.

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

GoAP 1. Guntur & Tirupathi - Land not allotted

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

3. Machilipatnam - proposal sent to CCLA for approval.

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

All Banks 76,06,232 entries were made creating charge in the AP web land portal as on 19.05.2016, as against 16,11,402 reported as on 25.02.2016 (last SLBC) as per the information available.

Bank wise details placed as Annexure No. 24

2.8 Instructions to branches not to All Banks SLBC vide Lr.No.666/30/256 A/777

11


insist on deposits, collateral security etc., contrary to the scheme guidelines while implementing Govt. sponsored schemes, opening of bank accounts & grounding of sanctioned cases.

dated 22.03.2016 has requested the controllers of banks;a. Issue necessary instructions to all

branches and suitably sensitize the field functionaries in this regard.

b. Ensure that the branches implement the Govt. sponsored schemes in true spirit and do not deviate from the guidelines issued by Govt. / RBI.

c. Play a positive and proactive role in implementing the welfare schemes of the Government and invariably achieve the targets allocated under various schemes and

d. Initiate a proper monitoring mechanism at the controlling office to ensure proper implementation of the schemes at their branches.

2.9 Reimbursement of VLR & Pavala Vaddi claims for the years 2013-14 & 2014-15

GoAP Department of Agriculture is requested to expedite the reimbursement of claims to the banks in full.

2.10 Issue of Emu farmers to be taken up with GoI regarding adjustment of Back end subsidy / IFL to the credit of loan accounts without linking to lock in period

GoAP & NABARD

NABARD vide letter No. NB.HYD.APRO /460/DoR/Emu Farmers/2016-17 dated 30 May 2016 informed that it has been conveyed by GoI that the said request cannot be acceded to.

2.11 Sub-committee on engaging SHG members as Banking Correspondents

SLBC A sub–committee was constituted and met on 27.04.2016. it was resolved to implement the scheme in Krishna District on pilot basis. A three member committee was constituted with LDM, PD DRDA & representative from Andhra Bank with an advise to submit the details of locations identified.

2.12 Review of OTS scheme implemented by banks for farmers

SLBC & Banks

Presentation will be made in the SLBC meeting.

12


AGENDA- 33.1. Conduct of meetings under Lead Bank Scheme: SLBC is reviewing the conduct of DCC/DLRC meetings as per the schedule. District wise calendar of DCC / DLRC meetings and conduct of the meetings in Andhra Pradesh for the quarter March, 2016 is furnished hereunder.

DistrictSchedule of the

meetingsDate of the meeting

conductedPeoples Representatives attended

DCC DLRC DCC DLRC

Srikakulam 18.03.2016 18.03.2016 03.02.2016 03.02.2016 Dr.B.Ashok, Hon’ble MLA, Itchapuram

East Godavari 15.03.2016 22.03.2016 16.03.2016

West Godavari 14.03.2016 29.02.2016 05.03.2016 05.03.2016 No Public Representative has attended

Guntur 22.03.2016 26.03.2016 22.03.2016 18.05.2016 No Public Representative has attended

Vizianagaram 15.03.2016 17.03.2016 29.03.2016

Visakhapatnam 19.02.2016 19.02.2016 22.03.2016

Prakasam 16.03.2016 09.03.2016 22.03.2016

Nellore 22.03.2016 22.03.2016 22.03.2016 22.03.2016 No Public Representative has attended

Kurnool 28.03.2016 28.03.2016 29.01.2016

Ananthapuram 24.03.2016 24.03.2016 07.04.2016 07.04.2016 V.Hanumantharaya Chowdary, Hon’ble MLA, Kalyandurgam

Kadapa 27.03.2016 27.03.2016 04.05.2016 04.05.2016 Chengala Rayudu, Hon’ble MLC

Krishna 27.03.2016 27.03.2016 07.05.2016

Chittoor 29.03.2016 29.03.2016 30.03.2016

All LDMs are advised to:1) Conduct DCC/DLRC meetings for all four Quarters of the financial year invariably.2) Ensure attendance of controlling authorities of the district along with district co-ordinators to

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

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

3.2. RBI vide Lr.No.FIDD.CO.LBS.No 5973/02.01.001/2015-16 dated May 20, 2016 advised SLBC conveners to align the ACP formats with the revised reporting guidelines on Priority Sector. Copy of the circular is placed as Annexure.No.46

13


AGENDA- 4

Banking Statistics4.1BANKING AT A GLANCE IN ANDHRA PRADESH As on 31.03.2016

(Amount in Crores)Total Number of bank branches

Rural - 2670 Semi Urban - 2024Urban - 1863 Metro - 332

6889

Total Deposits in the State 218022Total Advances in the State 242311Credit Deposit Ratio (RBI norm -60%) 111.14Total Priority Sector Advances 169122% of Priority Sector Advances to ANBC (RBI Norm 40%)of which 78.37%

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

99923(46.30%)

Of whichSmall & Marginal Farmers(RBI norm – 7% of ANBC)

51659(23.94%)

Micro & Small Enterprises (% to ANBC)

36218(16.78%)

Out of which Micro Enterprises(RBI norm – 7% of ANBC)

18701(8.67%)

Medium Enterprises 4765Total MSME(% to ANBC)

40983(18.99%)

Export Credit 961Education 3650Housing 18820Social Infrastructure 103Renewable Energy 44Others 4638Out of Total Priority Sector Advances, finance to:

SHGsAdvances to Weaker Sections

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

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

Advances to Minorities (Norm 15% on priority sector)

15861.2555687

(25.81%)39058

(18.10%) 9989 13150

(7.78%)

14


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

S. No PARTICULARS As on

31.03.2013As on

31.03.2014As on

31.03.2015As on

31.03.20161. Number of Branches:

Rural 2,105 2,301 2,478 2,670Semi Urban 1,627 1,785 1,999 2,024Urban 1,527 1,655 1,766 1,863Metro 198 239 297 332Total 5,457 5,980 6,540 6,889

2. Deposits 1,45,480 1,65,242 1,93,753 2,18,022

3. Incremental Deposits (% of increase)

23,088(18.86%)

19,762(13.58%)

28,511(17.25%)

24,269(12.53%)

4. Advances 1,69,710 2,01,201 2,15,797 2,42,311

5. Incremental advances(% of increase)

28,809(20.45%)

31,491(18.56%)

14,596(7.25%)

26,514(12.29%)

6. C.D.Ratio(RBI norm - 60%) 116.66% 121.76% 111.38% 111.14%

7 Incremental CD Ratio 124.78% 159.35% 51.19% 109.25%

4.3 Comparative Statement of Banking Key Indicators: Number of Branches

Particulars As on 31.03.2015 As on 31.03.2016Increase in No. of Branches

over March, 2015Rural 2,478 2,670 192Semi Urban 1,999 2,024 25Urban 1,766 1,863 97Metro 297 332 35Total 6,540 6,889 349

(Amount in crores)

Particulars As on 31.03.2015As on

31.03.2016% Increase over March, 2015

Deposits 1,93,753 2,18,022 12.53%Advances 2,15,797 2,42,311 12.29%

15


Comparative statement of Banking Key Indicators as on 31.03.2015 vis-à-vis 31.03.2016 between Public Sector vis-à-vis Private Sector, RRBs & Cooperative Banks: (Amount in crores)

CategoryPublic Sector Banks Pvt. Sector Banks RRBs Co-op. Banks Others (APSFC)31.03.1

5 31.03.16 31.03.15 31.03.16 31.03.15 31.03.16 31.03.15 31.03.16 31.03.15 31.03.16

Rural 1468 1547 135 143 725 794 150 186 0 0

Semi Urban 1390 1437 261 293 212 185 136 109 0 0

Urban 1230 1278 311 338 115 138 97 96 13 13

Metro 248 261 49 66 0 5 0 0 0 0

Total Branches 4336 4523 756 840 1052 1122 383 391 13 13

Deposits 149017 165284 23872 27028 15650 19445 5210 6260 4 5

Advances 158334 174282 32120 39145 14947 17386 8771 9793 1625 1705

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

S. No.

ParticularsAs on

31.03.13As on

31.03.14As on

31.03.15As on

31.03.16

1 Short Term Production loans 50,343 59,105 65,353 67,1742 Agrl. Term Loans 28,573 28,507 30,244 32,7493 Total Agrl. Advances 78,916 87,612 95,597 99,923

% of Agrl. Advances to ANBC (RBI norm- 18%) 56.01% 51.62% 47.51% 46.30%

4Micro & Small Enterprises (% to ANBC )

13,780(9.78%)

26,302(15.50%)

32,276(16.04%)

36,218(16.78%)

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

13,780(9.78%)

26,302(15.50%)

32,276(16.04%)

40,983(18.99%)

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

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

25,713(18.25%)

23,336(13.75%)

23,609(11.73%)

27,255(12.63%)

Total Priority Sector Advances 1,18,409 1,37,250 1,51,482 1,69,122% of Priority Sector Advances to ANBC (RBI norm -40%) 84.04% 80.87% 75.29% 78.37%NA: Not Applicable

16


Banking Key Indicators (Figures in Crores)

Deposits Advances Priority Sector Advances

Agriculture0

50000

100000

150000

200000

250000

1652

42 2012

01

1372

50

8761

2

1937

53

2157

97

1514

82

9559

7

2180

22

2423

11

1691

22

9992

3

Agriculture59%

MSME24%

Export Credit

1%

Others16%

Priority Sector Advances as on 31.03.2016

17


AGENDA- 5

Annual Credit Plan 2015 – 16

5.1. Achievement of Annual Credit Plan as on 31.03.2016 (Rs. in crores)

Sl. No Item Target2015-16

Achievement (Disbursements

during 01.04.15 to 31.03.16)

% of Achievement

1 Short Term Crop Production LoansKhariffRabiTotal

29,02219,04548,067

31,97925,10657,085

110.19131.82118.76

2 Agrl.Term LoansKhariffRabiTotal

6,9196,919

13,838

7,4229,405

16,827

107.27135.93121.60

Total Farm CreditKhariffRabiTotal

35,94125,96461,905

39,40134,51173,912

109.63132.92119.40

3

Agriculture InfrastructureKhariffRabiTotal

446446892

12151

172

27.1311.4319.28

4

Ancillary ActivitiesKhariffRabiTotal

1,2381,2372,475

736628

1,364

59.4550.7655.11

KhariffRabiTotal Agriculture

37,62527,64765,272

40,25835,19075,448

106.99127.28115.59

5 Micro, Small & Medium Enterprises 16,960 22,262 131.26

6 Export Credit - 18 -7 Education 2,027 715 35.278 Housing 5,163 3,060 59.27

6Others under Priority Sector including Social Infrastructure & Renewable Energy

7,498 2,992 39.90

7 Total Priority Sector 96,920 1,04,495 107.828 Non Priority Sector 28,828 39,928 138.50

9 Total Credit Plan 1,25,748 1,44,423 114.85

18


4806

7

1383

8

6190

5

3367

6527

2

5708

5

1682

7

7391

2

1536

7544

8

Achievement of ACP 2015-16 under Agriculture

19


5.2. Share of Banks in Achievement of ACP 2015-16:

5.2.1 Short Term Crop Production:

(Amount in crores)

Bank Achievement % of Share

Andhra Bank 7885 14%

State Bank of India 14545 26%

Regional Rural Banks 7687 13%

Cooperative Banks 8092 14%

Pvt. Sector Banks 4239 7%

Other Banks 14637 26%

Total 57085 100%

Andhra Bank14%

State Bank of India25%

RRBs13%

Cooperative Banks14%

Pvt. Sector Banks7%

Other Banks26%

Share of Banks in ACP 2015-16 Achievement under Short Term Crop Production

20


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

(Amount in crores)




Syndicate Bank 2307 13%





Total 18364 100

Andhra Bank21%


Syndicate Bank13%

Regional Rural Bank19%

Cooperative Banks4%

Pvt. Sector Banks16%

Other Banks17%

Share of Banks in ACP 2015-16 Achievement under Agril. Term Loans

21


5.2.3 Total Agriculture:

(Amount in crores)









Total 75448 100

22


Andhra Bank16%


Syndicate Bank7%

Regional Rural Banks15%

Cooperative Banks12%

Pvt. Sector Banks9%

Other Banks20%

Share of Banks in ACP 2015-16 Achievement under Total Agriculture

5.2.4 MSME: (Amount in crores)








Total 22262 100

23


Andhra Bank27%


Syndicate Bank10%



Other Banks22%

Share of Banks in ACP 2015-16 Achievement under MSME

5.2.5 Priority Sector: (Amount in crores)









24


Total 104495 100

Andhra Bank18%


Syndicate Bank8%


Cooperative Banks9%


Other Banks21%

Share of Banks in ACP 2015-16 Achievement under Priority Sector

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

Sl.

NoItem

2013-14 2014-15 2015-16

Targe

tAchvmt Target

Achvm

tTarget Achvmt

1 Short Term Production Loans 35549 37058 41978 29658 48067 57085

2Agrl. Term Loans incl. allied

activities11468 12716 14041 10280 17205 18363

25


3 Total Agriculture 47017 49774 56019 39938 65272 75448

4Non Farm Sector / Micro & Small

Enterprises7000 9427 10850 14134 16960 22262

5

Others’ under Priority Sector

including

Export Credit

12939 5527 11025 5582 14688 6785

Total Priority sector 66956 64728 77894 59654 96920 104495

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

Sl. No.

ItemDisbursements

from 01.04.2014 to 31.03.2015

Disbursements from 01.04.2015 to

31.03.2016% Increase

1 Short term Crop Production Loans 29,658 57,085 92.48%

2 Agriculture Term Loans including Allied activities 10,280 18,363 78.63%

3 Total Agriculture 39,938 75,448 88.91%4 Non Farm Sector / MSME 14,134 22,262 57.51%5 Other Priority Sector including

Export Credit 5,582 6,785 21.55%6 Total Priority Sector 59,654 1,04,495 75.17%

26


7 Non Priority Sector 25,691 39,928 55.42%8 Total Credit Plan 85,345 1,44,423 69.22%

Agriculture Total Priority Non Priority Total Credit Plan

3993

8 5965

4

2569

1

8534

5

7544

8

1044

95

3992

8

1444

23

Credit Disbursements Y-o-Y 2014-15 & 2015-16

AGENDA- 6

Agriculture Sector

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

Sl. No Item Target2015-16

Achievement (Disbursements

during 01.04.15 to 31.03.16)

% of Achievement

1 Short Term Crop Production LoansKhariffRabiTotal

29,02219,04548,067

31,97925,10657,085

110.19131.82118.76

2 Agrl.Term LoansKhariff 6,919 7,422 107.27

27


RabiTotal

6,91913,838

9,40516,827

135.93121.60

Total Farm CreditKhariffRabiTotal

35,94125,96461,905

39,40134,51173,912

109.63132.92119.40

3

Agriculture InfrastructureKhariffRabiTotal

446446892

12151

172

27.1311.4319.28

4

Ancillary ActivitiesKhariffRabiTotal

1,2381,2372,475

736628

1,364

59.4550.7655.11

KhariffRabiTotal Agriculture

37,62527,64765,272

40,25835,19075,448

106.99127.28115.59

The performance of agriculture sector under ACP is 115.59% of the target for the year 2015-16 as against 71.29% of the achievement for the corresponding period of 2014-15.

6.2. Progress in lending to LEC holders Department of Agriculture, GoAP proposed target of financing 16.25 lakhs (8,45,069 renewals and 7,79,931 fresh) LEC holders during the Financial Year 2015-16.

As per the information available with SLBC, the finance extended to LEC holders during 2015-16 is as follows:

(Rs. in crores)

Sl. No

District

No. of LECs issued No. of Licensed Cultivators Sanctioned Crop Loans

Renewal of old LECs

Fresh Total Number Amount

1 Srikakulam 8221 7646 15867 670 2.012 Vizianagaram 10830 4997 15827 707 0.823 Visakhapatnam 5043 9921 14964 2143 3.724 East Godavari 92166 23177 115343 44272 84.635 West Godavari 110650 112893 223543 23067 43.936 Krishna 6869 16208 23077 19713 65.587 Guntur 8507 8749 17256 653 3.268 Prakasam 13996 0 13996 6584 29.099 Nellore 12740 2879 15619 202 1.0510 Kurnool 12282 10179 22461 10 0.07

28


11 Anantapur 417 10143 10560 650 1.9912 Kadapa 4487 1839 6326 715 2.1213 Chittoor 2475 2961 5436 241 1.66

Total 288683 211592 500275 99627 239.93 (Source: Agriculture Department, GoAP)

Action Plan for 2016-17:Targets have been fixed for issue of Loan Eligibility Cards for the financial year 2016-17 as under.

For Renewal - 5,87,250For Fresh Cards - 4,67,489 Total Target - 10,54,739

As per the information given by the banks, the overdues are mounting up in LEC portfolio. GoAP is requested to implement the recommendations of the committee constituted for revisiting the LEC scheme held on 12.08.2014.

6.3. Performance of Joint Farming Groups of ‘Bhoomi Heen Kisan’ during the year 2015-16

Sr. No.

Name of the Bank

Target @ 15 JLGs per

rural branches

JLGs formed & financed

as on 31.03.2015

No. of JLGs received repeat finance during

2015-16

No. of New JLGs formed &

financed during 2015-16

Total JLGs financed during

2015-161 Public Sector Banks 20070 23133 1693 1752 34452 Private Sector Banks 1755 0 0 0 03 Cooperative Banks 5775 2300 280 726 10064 RRBs 10605 6595 1949 3552 5501

Grand Total 38205 32028 3922 6030 9952

Bank wise performance under JLG promotion for 2015-16 is placed as Annexure No.25

Targets for the financial year 2016-17:NABARD, Andhra Pradesh Regional Office vide letter NB./HYD/APRO/427/JLGs-Linkage/2016-17 dated 25th May, 2016 informed that a target of 47484 JLGs for promotion and financing have been fixed for Andhra Pradesh on the basis of presence of banks and number of rural branches along with past performance.

Banks are requested to furnish the data to SLBC at monthly intervals and also ensure achieving the set targets under the scheme.

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

RBI has advised the 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 from September, 2015 onwards.

29


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

Sr. No.

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

No. of Accounts

Amount(thousands) No. of Accounts Amount

(thousands)1 Public Sector Banks 811 439116 1848 9941192 Private Sector Banks 4852 5128761 5965 72544913 Cooperative Banks 0 0 0 04 RRBs 21 9811 105 46969

Grand Total 5684 5577688 7918 8295579

Bank wise performance under pledge financing against NWRs for the quarter ended March, 2016 is placed as Annexure No.26

6.5. Vaddi Leni Runalu and Pavala Vaddi scheme on crop loans:

6.5.1 Continuation of the scheme for the year 2016-17Department of Agriculture, GoAP vide Lr.No.Credit/04/2016 dated 20.05.2016 informed that Vaddi Leni Runalu and Pavala Vaddi Schemes are the ongoing schemes of Government of Andhra Pradesh to reduce the debt burden of the small and marginal farmers.

The benefit of the schemes are interest free (Vaddi Leni Runalu) on the crop loans availed up to Rs. 1.00 lakh and Pavala Vaddi on the crop loans availed from Rs.1.00 lakh to Rs.3.00 lakhs, subject to the repayment of these loans within the due date and maximum of 1 year from the date of disbursement.

In this regard, it was reiterated that, the Vaddi Leni Runalu and Pavala Vaddi schemes would continue for the year 2016-17 also and the guidelines issued earlier vide G.O.Rt.No.639 dated 27.04.2013 are applicable for implementation of the scheme by the banks.All banks are requested to upload the data of the eligible farmers in the MIS format available in the VLR portal for settlement of claims by the Department.

6.5.2 Request of the farmers not to insist on vote ID card for availing benefit of VLR/Pavala Vaddi Government of Andhra Pradesh clarified that Aadhaar number, Voter ID and Mobile number are mandatory for submission of Vaddileni Runalu and Pavala Vaddi claims from 01.09.2015. Some of the banks are informed that some farmers are not receiving the benefit of Vaddileni Runalu / Pavala Vaddi incentive with a reason of not having Voter Identity card. Even though they apply for Voter ID immediately, they would not receive the same immediately.

In view of the above, Government of Andhra Pradesh is requested to reimburse the Vaddileni Runalu / Pavala Vaddi claims without insisting on Voter Identity Card.

30


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

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

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

6.6 Pradhan Mantri Fasal Bima Yojana (PMFBY):

Objective of the Scheme: Pradhan Mantri Fasal Bima Yojana (PMFBY) aims at supporting sustainable production in agriculture sector by way of –

a) Providing financial support to farmers suffering crop loss / damage arising out of unforeseen events

b) Stabilizing the income of farmers to ensure their continuance in farmingc) Encouraging farmers to adopt innovative and modern agricultural practicesd) Ensuring flow of credit to the agriculture sector; which will contribute to food security, crop

diversification and enhancing growth and competitiveness of agriculture sector besides protecting farmers from production risks.

Coverage of Crops: 1. Food crops (Cereals, Millets and Pulses)2. Oilseeds3. Annual Commercial / Annual Horticultural crops

Coverage of Risks and Exclusions: Following stages of the crop and risks leading to crop loss are covered under the scheme.

a) Prevented Sowing / Planting Risk: Insured area is prevented from sowing / planting due to deficit rainfall or adverse seasonal conditions.

b) Standing Crop (Sowing to Harvesting): Comprehensive risk insurance is provided to cover yield losses due to non-preventable risks, viz. Drought, Dry spells, Flood, Inundation, Pests and

31


Diseases, Landslides, Natural Fire and Lightening, Storm, Hailstorm, Cyclone, Typhoon, Tempest, Hurricane and Tornado.

c) Post-Harvest Losses: coverage is available only up to a maximum period of two weeks from harvesting for those crops which are allowed to dry in cut and spread condition in the field after harvesting against specific perils of cyclone and cyclonic rains and unseasonal rains.

d) Localized Calamities: Loss/damage resulting from occurance of identified localized risks of hailstorm, landslide and inundation affecting isolated farms in the notified area.

General Exclusions: Losses arising out of war and nuclear risks, malicious damage and other preventable risks shall be excluded.

Department of Agriculture, GoAP vide Lr.No.Crop Ins.(2)/12/2016, dt. 02.05.2016 has issued guidelines for implementation of Pradhan Mantri Fasal Bima Yojana (PMFBY) & Weather Based Crop Insurance Scheme (WBCIS) Khariff 2016 in the state of Andhra Pradesh, wherein Government of Andhra Pradesh has informed that as advised by the GoI, the financial institutions are requested to issue directions to their branches to collect the payable premium by the farmers (Loanee & Non-Loanee) for the crops proposed under PMFBY & WBCIS and keep the amount with them until the Insurance Company is decided and notification process is completed. On finalization of the insurance company after completion of bidding process, the premium along with other coverage data shall be send to the respective insurance companies (implementing agency).

6.7 Green Kisan Credit Card – Micro Finance initiative for Tribal: To promote microfinance in Dang and help the poor tribal community a novel initiative of the Forest department in Gujarat under the guidance of Dr S.K. Nanda, former Principal Secretary, Forest Department, Government of Gujarat was implemented as Green Kisan Credit Card (GKCC). The Green Kisan Credit Card scheme was taken up as a pilot scheme in 2010. In the predominantly tribal district of Dangs nestling in the Sahyadri ranges is now a comprehensive scheme that has come as a boon for the beneficiaries.

This scheme is a modified version of the Kisan Credit Card for agriculture extended to trees crop on farmlands.

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

32


GKCC is one of the best economic support options for the tribals in the Dangs district. GKCC provided an alternate option of acquiring the necessary money without going to the moneylenders for loans. The scheme has resulted in empowerment and financial inclusion of tribal community.

SLBC of AP vide letter No. 666/30/196/058 dated 25.04.2016 requested Govt of AP and controlling authorities of the banks to examine the feasibility of the implementation of the scheme in the state.

6.8. Ground Level Credit Target for Agriculture – 2016-17:NABARD, Regional office, Hyderabad vide Lr. No. NB. AP RO/307/SLBC-A7/2016-17 dated 07.05.2016 informed that as per announcement made in Union Budget 2016-17, a minimum Agriculture credit of Rs. 9.0 lakh crores is expected to flow through banks during the year. In this connection, the target for agricultural lending for the State of Andhra Pradesh has been allocated as under;

(Rs. in Crores)

Agency

G.L.C target for agriculture – 2016-17 for Country

G.L.C target fixed by NABARD for the State of Andhra Pradesh

Crop Loans

Agri. Term Loans

(including allied activities)

Total Agriculture

Crop Loans

Agri. Term Loans

(including allied activities)

Total Agriculture

Commercial Banks

405000 220000 625000 30300 11800 42100

Cooperative Banks

115000 35000 150000 5600 1925 7525

RRBs 95000 30000 125000 5500 2000 7500

Total 615000 285000 900000 41400 15725 57125

NABARD further advised that the allocation made are not the upper ceiling and banks must endeavour to achieve higher disbursements. In case the Annual Action Plan (ACP) target is more than the target allocated now, the higher target may be retained for implementation and monitoring.

6.9 Data submission on Relief measures extended by banks in areas affected by Natural Calamities:RBI observed that despite continuous followup by the SLBC, banks had 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.

Controlling authorities of all banks are requested to submit the information to SLBC on quarterly basis as per the revised format.

Copy of the letter on reporting system in respect of relief extended by banks in areas affected by natural calamities is placed as Annexure.No.47

Data on relief measures extended by banks as on 31.03.2016 is placed as on Annexure No.48

33


AGENDA- 7

Micro, Small & Medium Enterprises (MSME) Sector

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

Particulars

Outstanding as on 31.03.2014

Outstanding as on 31.03.2015

Outstanding as on 31.03.2016 Y – o – Y

Growth

A/cs. Amt. A/cs. Amt. A/cs. Amt.Micro Enterprises 430786 11929 603782 14999 871952 18701 24.68Small Enterprises 129186 14373 98698 17277 121982 17517 1.39Total MSE 559972 26302 702480 32276 993934 36218 12.21%of Micro enterprises to total MSE

76.93% 45.35% 85.95% 46.47% 87.73% 51.63% --

Medium Enterprises

80688 5432 88207 4378 90181** 4765** 8.84

Total MSME 640660 31734 790687 36654 1084115 40983 11.81

** Accounts & Amount classified under Priority Sector w.e.f. 23.04.2015 in accordance with revised Priority Sector guidelines.

PM Task Force –Recommendations Norm %

Actual %

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

20 12.21

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

10 44.42

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

60 51.63

34


Outstanding Position of Lending under MSME (Figures in crores)

Micro Small Total MSE Medium Total MSME0

5000

10000

15000

20000

25000

30000

35000

40000

4500011

929

1437

3

2630

2

5432

3173

4

1499

9

1727

7

3227

6

4378

3665

4

1870

1

1751

7

3621

8

4765

4098

3

7.2. Start up India Stand up India: The Hon’ble Prime Minister launched Stand Up India scheme on 5 th April, 2016. To monitor the progress of implementation of Scheme and submission of information, a portal is being developed by SIDBI.

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

Eligibility: SC/ST and/or Women entrepreneurs, above 18 years of age. Loans under the scheme is available for only new project being setup i.e. the first time

venture of the beneficiary in the manufacturing or service or trading sector. In case of non-individual enterprises, 51% of the shareholding and controlling stake

should be held by either SC/ST and/or Women entrepreneur.

Composite loan of 75% of the project cost inclusive of term loan and working capital. The stipulation of the loan being expected to cover 75% of the project cost would not apply if

35


the borrower’s contribution along with convergence support from any other schemes (central or state schemes) exceeds 25% of the project cost.

The scheme envisages 25% margin money which can be provided in convergence with eligible Central / State schemes. while such schemes can be drawn upon for availing admissible subsidies or for meeting margin money requirements, in all cases, the borrower shall be required to bring in minimum of 10% of the project cost as own contribution.

The rate of interest would be lowest applicable rate of the bank for that category (rating category) not to exceed (base rate (MCLR) + 3% + tenor premium).

Besides primary security, the loan may be secured by collateral security or guarantee of Credit Guarantee Fund Scheme for Stand-Up India Loans (CGFSIL) as decided by the banks.

The loan is repayable in 7 years with a maximum moratorium period of 18 months.

For drawl of working capital upto 10 lakh, the same may be sanctioned by way of overdraft. Rupay debit card to be issued for convenience of the borrower. Working capital limit above 10 lakh to be sanctioned by way of Cash Credit limit.

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

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

Lead District Managers (LDMs), SIDBI and NABARD offices have been entrusted with the responsibility to co-ordinate with various handholding agencies, banks and other related agencies so as to create a network of Stand Up India Help Centres (SUHC) all across the country. Additionally, DLCC under the Collector have been entrusted to review progress periodically, handle grievance redressal at district level, assist in resolving issues, if any, relating to public utility services and work space for potential borrowers.

Actionable Points – Stand-Up India and Startupmitra Portal: As the operation of the scheme is through an interactive web portal, availability of

internet facility at the branch offices is critical requirement. In case, internet connectivity is not available, please arrange to provide access through bank intranet.

As far as possible, please try that all loan applications to be pushed through the standupmitra portal. If application is submitted by the borrower offline, necessary support may be provided to the applicant to feed application in the portal.

36

http://www.standupmitra.in/


Convenors of SLBCs to include deliberations on the Stand Up India scheme / features of [www.standupmitra.in] the portal and also progress under the scheme from time to time as an agenda item during the meetings of SLBC.

Deliberations on the Stand Up India scheme / portal to be included as agenda for Business Meets with Regional / Zonal / Branch Offices to make use of the portal effectively.

Disseminate information on the scheme and its salient features to training institutes and financial literacy centres.

During Workshop on Implementation of Backend Subsidy & Subsidy Linkup to Standup India and Mudra Bank scheme held on 17.05.2016 at Vijayawada by Andhra Pradesh Scheduled Castes Coop. Finance Corporation Ltd. it was informed that Corporation requested Government of AP to consider uniform and appropriate subsidy to match schemes under MUDRA and Standup Program for the beneficiaries of SC/ST. GoAP instructions awaited.

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

S. No

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

01 31.03.2013 15891 342.3002 31.03.2014 10245 291.9703 31.03.2015 9428 358.5004 31.03.2016 18514 384.55

District wise progress during 2015-16 under CGTMSE is place as Annexure No.27

7.4. Pradhan Mantri MUDRA Yojana (PMMY): Progress made under Pradhan Mantri MUDRA Yojana for the financial year 2015-16 in the state of Andhra Pradesh.

(Rs. in crores)

Shishu Kishor Tarun TotalTarget Ach % Target Ach % Target Ach % Targe

t Ach %

PSBs 1705 839 49 2351 2001 85 877 979 111 4934 3819 77

37


Private Sector 57 95 166 274 255 93 171 332 194 502 683 136RRBs 444 241 54 287 872 303 129 16 12 860 1128 131Co Operative Banks 0 0 0 1 0 0 2 0 0 3 0 0Total 2206 1175 53 2913 3128 107 1179 1327 112 6299 5630 89

(Source: www.mudra.org.in)

Bank wise performance is placed as Annexure No.28

Loan application formats are available on SLBC website; www.slbcap.nic.in .

7.5 Coir Udyami Yojana (CUY):The Coir Udyami Yojana is one of the schemes under the Ministry of MSME which aims at poverty alleviation and enhancement in the income and living conditions of the coir workers. To enlarge the scope of the scheme, Board decided to link the Coir Udyami Yojana with the MUDRA loan under PMMY. Though there is no subsidy is available for the loan under PMMY, there is a clause to link the loan proposal to the Government Schemes, wherein the Government if providing capital subsidy, that will be eligible under PMMY. As there is a provision under the PMMY to avail the subsidy under a Government scheme, the eligible subsidy under the CUY can be extended to the loan proposals to set up coir units under PMMY. Accordingly, it was decided to collect the details of all the applications of MUDRA loan availed under PMMY for setting up of coir units, in the State of Andhra Pradesh.

All banks are requested to give necessary directions to the branches to provide the details of the units which have availed MUDRA loan under PMMY to set up coir unit, to Coir Board Regional Office, Rajahmundry.

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

Number of Units Financial Target(Rs. in Lakhs)

SC Target(Unit)

ST Target(Unit)

70 200 8 5

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

SLBC vide Lr.No.666/30/20/72 dated 28.04.2016 has communicated the details of applications pending with the banks for considering loan sanction.

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

7.6. Swarojgar Credit Card (SCC) Scheme – Targets for 2015-16: Performance for SCC promotion for the quarter ended March, 2016

38

http://www.slbcap.nic.in/


(Amount in Thousands)

Sr. No.

Name of the Bank

Total No. of SCCs issued during the

Quarter March, 2016

Credit Limits Sanctioned during the Quarter March,

2016Total No. of SCCs issued

till the end of the Quarter

Credit Limits Sanctioned till the end of the Quarter

Term Loan

Cash Credit

TotalTerm Loan

Cash Credit

Total

1 Public Sector Banks 4 914 0 914 68 6005 2876 8881

2 Private Sector Banks

0 0 0 0 3 0 2450 2450

3 Cooperative Banks

62 3076 0 3076 268 9156 0 9156

4 RRBs 5161 67439 80116 147555 23083 798963 87388 886351Grand Total 5227 71429 80116 151545 23422 814124 92714 906838

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

Bank wise performance under SCC promotion for March, 2016 quarter is placed as Annexure No.29

AGENDA- 8

Housing Loans

8.1. Position of Housing Loans as on 31.03.2016 (Rs in Crores)

YearTotal Outstanding Disbursements

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

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

Credit – Linked Subsidy Scheme: The Mission, in order to expand institutional credit flow to the housing needs of urban poor will implement credit linked subsidy component as a demand side intervention. Credit linked subsidy will be provided on home loans taken by eligible urban poor (EWS/LIG) for acquisition, construction of house.Beneficiaries of Economically Weaker Section (EWS) and Low Income Group (LIG) seeking housing loans from Banks, Housing Finance Companies and other such institutions would be eligible for an 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%.

39


The credit linked subsidy will be available only for loan amounts upto Rs.6 lakhs and additional loans beyond Rs.6 lakhs, if any, will be at nonsubsidized 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 lakh only.

Urban Housing in the State of Andhra Pradesh: State Government plans to take up 1,93,147 houses in Urban areas under NTR (Urban)

scheme duly dovetailing with Housing for All (Urban) scheme by GoI. 59 ULBs are covered under Affordable Housing Partnership (AHP) component and Beneficiary

Led Construction (BLC) component under Housing for All. Unit cost of the each house will be site specific and shall be calculated duly adding the cost of

in-situ infrastructure. For Houses sanctioned under AHP:

Each house will be provided a total subsidy of Rs.3.0 lakhs (GoI grant: Rs.1.5 lakh and GoAP grant:Rs.1.5 lakh)

A minimum beneficiary contribution will be of Rs.10,000. Loan requirement will be arrived after deducting the subsidy and beneficiary

contribution from the Unit Cost of the house for individual project. On an average the loan required per each house is estimated to be Rs.3.8 lakhs.

For Houses sanctioned under BLC component of HFA: Each house will be provided a total subsidy of Rs.2.50 lakhs (GoI grant: Rs.1.5 lakh and

GoAP grant: Rs.1.00 lakh) A minimum beneficiary contribution will be of Rs.10,000. Loan requirement will be arrived after deducting the subsidy and beneficiary

contribution from the Unit Cost of the house for individual project. On an average the loan required per each house is estimated to be Rs.3.9 lakhs.

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

8.3. Issues relating to RGK & VAMBAY :

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

40


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

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

AGENDA- 9

Education Loans

9.1. Position of Education Loans as on 31.03.2016 :(Rs in Crore)

YearTotal Outstanding Disbursements

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

9.2 Credit Guarantee Fund Scheme for Education Loans (CGFSEL): New education loans sanctioned on or after the date of notification of the scheme will be

eligible for the coverage under the scheme. The maximum loan limit under this scheme is Rs.7.5 lakh without any collateral security and

third party guarantee. However, the fund reserves the right to revise the loan limit as and when required.

The Interest Rate charged by the Member Lending Institutions for education loans to be covered under CGFSEL should be maximum upto 2% p.a. over the Base Rate. However, the fund may revise such ceiling from time to time keeping in view the prevailing interest rate scenario, base rates of lending institutions and RBI’s Credit Policies.

A Member Lending Institution shall be entitled to a guarantee in respect of eligible Education Loan granted by it, after it has entered into an agreement with National Credit Guarantee Trustee Company (NCGTC) in such form as specified by NCGTC.

The lending institution shall evaluate and sanction Education Loan in accordance with the IBA Model Educational Loan Scheme for pursuing higher studies in India and abroad and conduct the account(s) of the borrowers with normal banking prudence and due diligence.

41


For availing the guarantee coverage, the Member Lending Institution shall pay Annual Guarantee Fee (AGF) of 0.50% p.a. of the outstanding amount as on the date of application of guarantee cover upfront to the Fund within 30 days from the date of Credit Guarantee Demand Advice Note (CGDAN) of guarantee fee. All subsequent AGFs would be calculated on the basis of the outstanding loan amount as at the beginning of the Financial Year. However, the Fund reserves the right to charge different guarantee fees in future for different educational loans depending on their risk rating / risk profile.

The guarantee start date would be the date on which proceeds of the AGF are credited to Trust’s Bank account. The AGF shall be calculated on pro-rata basis for the first and last year and in full for the intervening years on the outstanding loan amount at the beginning of the financial year. In the latter case, the AGF shall be paid by the MLI within 30 days i.e. on or before April 30, of every year.

The guarantee fee once paid by the lending institution to NCGTC is non-refundable, except under certain circumstances likea) Excess remittance,b) Remittance made more than once against the same Education loan, andc) Annual guarantee fee not due.

The Fund shall provide guarantee cover to the extent of 75% of the amount in default. The Fund reserves the right to modify the same. The guarantee cover will commence from the date of payment of guarantee fee and shall run through the agreed tenure of the Education Loan.

The following Education Loans shall not be eligible for being guaranteed under the Scheme:i. Any Education Loan in respect of which risks are additionally covered by Government or

by any general insurer or any other person or association of persons carrying on the business of insurance, guarantee or indemnity, to the extent they are so covered.

ii. Any Education Loan, which does not confirm to, or is in any way inconsistent with, the provisions of any law, or with any directives or instructions issued by the central Government or the Reserve Bank of India, which may, for the time being, be in force.

iii. Any Education Loan which has been sanctioned by the lending institution with interest rate more than 2% over the Base rate of the lending institutions in cases where Base Rate is applicable.

AGENDA- 10

EXPORT CREDIT

Outstanding position of finance under Export Credit as on 31.03.2016 placed as Annexure No.13

42


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

(Outstanding Rs. In Crores)

Sl. No.

Year ended Minority communities

Weaker sections

Women SC/ST

1 March, 2013 7,066 40,554 30,116 7,7742 March, 2014 8,372 47,074 34,736 9,3653 March, 2015 11,069 48,495 35,994 8,7104 March, 2016 13,150 55,687 39,058 9,989

RBI stipulation 15% on priority sector

10% of ANBC 5%on NBC No stipulation

Achievement for March, 2016

7.78% 25.81% 18.10% -

Minority Communities: In Andhra Pradesh, the amount lent to minority communities is Rs.13,150 crores which constitutes 7.78% of Priority Sector Lending as against the stipulated target of 15% and all Banks were advised to ensure achievement of 15% of credit to Minority Communities. With a view to ensure achievement of stipulated target of 15% of Priority Sector Lending to Minorities Communities, a target of Rs.18623.73 crores has been allocated to Public Sector Banks for 2015-16 by Department of Financial services, Ministry of Finance, GoI vide letter F.No.7(61)/2008-CP (Part-IV), dated 22.06.2015 in the state of Andhra Pradesh.

Finance to SC/STs: Reserve Bank of India issued guidelines on providing Credit facilities to Scheduled Castes (SCs) and Scheduled Tribes (STs) vide Master Circular dated 01.07.2015 and all banks and LDMs are advised to be guided accordingly.

Comparative statement of Credit disbursements under Welfare schemes Y-o-Y 2014-15 & 2015-16: (Amount in crores)Name of the

SchemeDisbursements

from 01.04.2014 to

Disbursements from

01.04.2015 to

Variance

43


31.03.2015 31.03.2016Minority Communities 2024 3525 (+)1501

Weaker Sections 15286 26077 (+)10791

Women 9183 14947 (+)5764SC/ST 2185 3637 (+)1452

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

(Amt. in crores)

Minority Communities Weaker Sections Women SC/ST0

10000

20000

30000

40000

50000

60000

8372

4707

4

3473

6

936511

069

4849

5

3599

4

8710

1315

0

5568

7

3905

8

9989

AGENDA- 12Status of implementation of Government Sponsored Schemes during the FY 2015-16

Government of India

12.1 NATIONAL RURAL LIVELIHOOD MISSION (NRLM)

44


12.1.1 SHG-Bank linkage Programme Disbursements vis-à-vis Targets for the last five Years(Rs. In crores)

Year

Rural SHG Disbursements

Urban SHG Disbursements

Total DisbursementsOutstanding

(Rural& Urban)TargetAmt.

No. Amt.TargetAmt.

No. Amt.TargetAmt.

No. Amt. No. Amt.

2011-12 5122 209688 5122 1050 58979 1343 6172 268667 6465 819631 9691

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

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

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

2015-16 9707 375361 11154 325 56896 2011 10032 432257

1316

5 829539 15861.25

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

(Rs. In crores)

Year

Rural SHG

Disbursements

Urban SHG

Disbursements

Total

Disbursements

No. Amt. No. Amt. No. Amt.2014 - 15 188457 6072 38518 1292 226975 7364

2015 - 16 375361 11154 56896 2011 432257 13165

% increase 99.18 83.70 47.71 55.65 90.44 78.78

12.1.2. Overdue/NPAs under SHG Bank Linkage Programme as on 31.03.2016 (Rs. In crores)

Year

Outstanding Overdue Non Performing Assets

No. of Accounts Amount

No. of Overdue accounts

Total balance in overdue accounts

Actual overdue amount

No. of Accounts Amount

March 2015 806514 14977 192919 2667 1253 95032 866March 2016 829539 15861.25 219705 3053 1689 81106 828

The percentage of total balance in overdue accounts & NPA to outstanding is 19.25% & 5.22% respectively for the Quarter ended March, 2016.

SERP and MEPMA are requested to extend necessary support to the banks to reduce the OD/NPAs in this sector.

12.2 NATIONAL URBAN LIVELIHOODS MISSION (NULM) SCHEME:

45


Progress on SEP (Individual) and SEP (Groups) for the financial year 2015-16

(Amount in Lakhs)S. No

ProgramTotal Intent

Applications Approved by

TF

Approved /Sanctioned

by banks

Rejected by bank

Loan Disbursed

Loan Not Disbursed

1

SEP (Individual) Programme under NULM

15167 6866 5012 9 4900 112

2

SEP (Groups) Programme under NULM

60 45 38 0 36 2

(Source: MEPMA)

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

12.3 PRIME MINISTERS EMPLOYMENT GENERATION PROGRAMME (PMEGP)

Target & Achievement under PMEGP for the year 2015-16 (as on 03.05.2016)

(Rs. in lakhs)

S. No

AgencyRevised - Target - 2015-16 Sanctioned by Banks Achievement – 2015-16

No. of Projects

Margin Money

Emp. (Nos)

No. of Projects

Margin Money

No. of Projects

Margin Money

Emp. (Nos)

1 KVIC 215 431.36 1720 80 527.95 42 275.79 9652 KVIB 350 700.97 2800 417 1583.15 197 680.59 23823 DIC 468 934.64 3744 256 822.50 74 312.00 1092

Total 1033 2066.97 8264 753 2933.60 313 1268.38 4439 (Source: KVIC, Hyderabad)

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

12.4 Handloom Weavers:

Progress in lending under Weaver Credit Card Scheme

46


Progress on issuance of Weaver Credit Cards and Disbursement of Loan to the Handloom Weavers as on 31.03.2016 is as under:

(Rs. in Lakhs)

Name of the DistrictTarget for the Year 2015-16

Number of Applications forwarded to

Banks/ pending with banks

Finance extended

Physical Financial

Srikakulam 900 746 506 151.80

Vizianagaram 400 591 70 20.55

Visakhapatnam 400 424 0 0.00

East Godavari 2000 1581 71 25.01

West Godavari 750 751 76 38.00

Krishna 1200 950 85 21.25

Guntur 1000 200 561 251.58

Prakasam 1200 282 0 0.00

Nellore 500 495 102 39.20

Chittoor 700 94 57 28.50

Kadapa 1200 3987 644 301.45

Ananthapuram 4000 726 488 257.52

Kurnool 250 1737 445 165.70

Total 14500 12564 3105 1300.56

(Source: Handlooms & Textiles Department)

12.5 Dairy Entrepreneurship Development Scheme (DEDS)

12.5.1 Details of Subsidy sanctioned and released under DEDS in the state of Andhra Pradesh by NABARD – position as on 31.03.2016.

(Rs. in Lakhs)

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

Subsidy Sanctioned 0 0 1320 780.86

Subsidy Released 2518 891.11 721 411.29

(Source: NABARD)

12.6 AGRI-CLINICS & AGRI-BUSINESS CENTERS

Agri-Clinics & Agri-Business Centers (ACABC) – Review of progress as on 18.05.2016

47


S.No

Particulars Number

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

(Source: www.agriclinics.net)

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

NABARD vide Ref.No.NB.T & AP RO.HYD/DoR/8120/ICD-72/2014-15 dated 16.02.2015 informed that a) Large number of proposals are pending with various banks since 2010b) Proposals which are sanctioned by banks under ACABC but, subsidy claims to that extent have

not been received by NABARD.

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

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

12.7. Credit under DRI

Year ended Outstanding Rs. In CroresMarch, 2014

38.21

March, 2015

35.97

March, 2016

36.39

The credit outstanding under DRI is Rs.36.39 Crores as on 31.03.2016 as against target of Rs. 2,158 Crores (i.e. 1% of the total outstanding advances of 31.03.2015 i.e. Rs.2, 15,797 Crores).

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

AGENDA- 13

48

http://www.agriclinics.net/


Government Sponsored Schemes - Government of Andhra Pradesh

13.1 Andhra Pradesh Micro Irrigation Project (APMIP): Achievement as on 31.03.2016 (Rs. In Lakhs)

Physical (Area in ha) Financial

Target Achievement Target AchievementNo. Area Central State Total

100000 93623 94103 62888.23 17767.79 36795.04 54562.83(Source: APMIP)

District wise progress under APMIP during 2015-16 is enclosed as Annexure No.30

13.2. Fisheries: Achievement as on 31.03.2016(Rs. in lakhs)

Total Credit proposed for Govt. sponsored schemes in the

district credit plan

Credit extended to Govt. sponsored schemes

Direct loans to Fisheries sector by the Banks

8450.46 202.00 126526.48(Source: Fisheries Department)

District wise progress under Fisheries during 2015-16 is enclosed as Annexure No.31

13.3. Sericulture: Achievement as on 31.03.2016 (Amt. in Lakhs)

Projected Target for

2015-16Applications sponsored

Applications sanctioned Applications Grounded

No Amount No. of Units Amount No. of Units Amount

1706 3488.99 1341 763 694.98 736 664.27(Source: Department of Sericulture)

District wise progress under sericulture as on 31.12.2015 is enclosed as Annexure No.32

13.4. A.P. Backward Classes Co-op. Finance Corporation- Performance as on 31.03.2016:(Rs. in crores)

MM Bens MM Subsidy Ray Bens Ray Subsidy Total Bens Total Subsidy53366 177.51 11136 41.58 64503 219.10

(Source: A.P. Backward Classes Co-op. Finance Corporation)

Bank wise progress report on implementation of Self Employment Schemes during 2015-16 is enclosed as Annexure No.3313.5. Federations of BC Co-operative Societies under BC Welfare Department of GoAP:

49


The following 10 Federations of BC Cooperative Societies have informed the position of implementation of financial assistance scheme as on 31.03.2016, the details are as follows:

(Rs. in Lakhs)

Name of the Federation

Target for 2015-16 AchievementPhysical Amount 50%

Subsidy including unutilized amount

No. of50% Subsidy

ReleasedNo. ofSocieties

Benefs. Units Benefs.

A.P. Washermen Cooperative Societies Federation Ltd. 1206 18096 4524.00 272 3507 874.25

A.P. Sagara ( Uppara ) Cooperative Societies Federation Ltd 492 7380 1845.00 106 1384 346.00

A.P. Krishna Balija, Poosala Cooperative Societies Federation Ltd. 485 7275 1818.75 19 244 60.50

A.P. Viswabrahmins Cooperative Societies Federation Ltd. 680 10200 2550.00 134 1719 429.50

A.P. Kummari/Shalivaahana Cooperative Societies Federation Ltd. 789 11835 2958.75 266 3486 866.75

A.P. Nayee Brahmins Cooperative Societies Federation Ltd. 1171 17560 4390.00 235 3071 764.75

A.P. Vaddera Cooperative Societies Federation Ltd. 645 9675 2418.75 169 2181 542.75

A.P. Valmiki/Boya Cooperative Societies Federation Ltd. 490 7350 1837.50 109 1447 358.25

A.P. Bhattraja Cooperative Societies Federation Ltd. 475 7125 1781.25 9 121 30.00

A.P. Medara Cooperative Societies Federation Ltd. 493 7395 1848.75 46 588 147.00

(Source: Respective federations)

District wise progress under 10 BC Cooperative Societies as on 31.03.2016 is placed as Annexure No.34

13.6. A. P. State Kapu Welfare & Development Corporation Ltd.:(Rs. in lakhs)

No. of Beneficiaries Outlay Subsidy Bank Loan

14355 18785.33 9199.81 9594.92(Source: AP State Kapu Welfare & Development Corporation Ltd.)

District wise progress under AP State Kapu Welfare & Development Corporation Ltd scheme is placed as Annexure No.35

Backward Classes Welfare Department – APSKWDCL, GoAP vide G.O.Ms.No.16, dated. 17.05.2016 has issued operational guidelines for implementation of various schemes under Annual Action Plan for 2016-17 pertaining to AP State Kapu Welfare and Development Corporation Ltd.SLBC vide Lr.No.666/30/256/128 dt.21.05.2016 has communicated the guidelines to all banks & LDMs for implementation.13.7. A.P. Scheduled Caste Co-operative Finance Corporation Limited:

(Rs. in lakhs)

50


Projected Target for 2015-16Achievement as on 31.03.2016

SanctionedNo. of Benfs Bank Loan No. of Benfs Bank Loan

04 17147.38 28961 15096.40 (Source: A.P. Scheduled Caste Co-operative Finance Corporation Limited)

District wise and Bank wise progress under SC Action Plan as on 31.03.2016 is placed as Annexure No.36

13.8. Andhra Pradesh State Christian (Minorities) Finance Corporation: The details of projected targets for the year 2015-16 and progress made under the scheme up to 31.03.2016 are as follows

(Rs. in lakhs)

Target for the year 2015-16 Sanctions givenPhy Fin Phy Fin

2400 1200.00 599 449.63 (Source: AP State Christian (Minorities) Finance Corporation)

13.9. Andhra Pradesh Scheduled Tribes Co-op Finance Corporation Ltd. (TRICOR)The details of projected targets for the year 2015-16 and progress made under the scheme (Rs. in lakhs)

Target Achievement

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

14170 9619.96 11011.83 20631.795 9509 5265.10 4030.80 9295.90

(Source: TRICOR)

District wise and Bank wise progress under TRICOR during 2015-16 is enclosed as Annexure No.37

13.10 A.P. State Minorities Finance Corporation Ltd.: The details of projected targets for the year 2015-16 and progress made under the scheme up to 30.04.2016 are as follows.

(Rs. in lakhs)

Target Sanctions Grounding

Phy. Subsidy Bank Loan Phy. Subsidy Bank Loan

Phy. Subsidy Bank Loan

22978 4522.09 2548.64 12563 4050.91 3088.80 51 16.23 9.77

(Source: A.P. State Minorities Finance Corporation Ltd)

District wise and Bank wise progress under Minorities scheme as on 30.04.2016 is placed as Annexure No.38

13.11 Welfare of Differently Abled and Senior Citizens, AP :

51


Economic Rehabilitation Scheme target & achievement for the year 2015-16 up to 31.03.2016 (Rs. in crores)

Physical Target Achievement up to 31.03.2016

Expenditure Percentage of Achievement

298 371 2.27 124 (Source: Department of Welfare of Differently Abled and Senior Citizens, AP)

13.12 Overdue position under Government sponsored schemes as on 31.03.2016 (Rs. In Crores)

Sector

Outstanding Overdue Non – Performing Assets

No. of a/cs

Amount

No. of overdue accounts



No. of accounts Amount

Central Government Sponsored Schemes 356491 6137.57 70097 994.89 858.14 35832 235.74

Of whichSGSY / NRLM 256933 4716.03 36637 677.65 638.84 14716 105.00

SJSRY / NULM 47059 875.51 11594 126.97 114.64 8353 36.68

PMRY/PMEGP 20163 265.63 9498 101.33 59.13 6494 54.64

DEDS 27980 208.63 10871 61.33 27.43 5230 21.29

State Government Sponsored Schemes

2238897 25967.96 492111 6927.64 2854.12 268581 2032.16

Central Government Sponsored Schemes: The percentage of total balance in overdue accounts & NPA to out standings is 16.20% & 3.84% respectively.

State Government Sponsored Schemes: The percentage of total balance in overdue accounts & NPA to out standings is 26.68% & 7.83% respectively.

SGSY/NRLM: The percentage of total balance in overdue accounts & NPA to outstandings is 14.37% & 2.23% respectively.

SJSRY/NULM: The percentage of total balance in overdue accounts & NPA to outstandings is 14.50% & 4.19% respectively.

PMRY/PMEGP: The percentage of total balance in overdue accounts & NPA to outstandings is 38.15% & 20.57% respectively.

DEDS: The percentage of total balance in overdue accounts & NPA to outstandings is 29.39% & 10.20% respectively.

Agenda 14

52


Position of MFI finance extended as on 31.03.2016S.No

Particulars Amt. in Crores

1 Cumulative Amount of Loans sanctioned so far 142.602 Cumulative Loans Disbursed so far 137.253 Total Loans outstanding 95.384 Total amount due for payment (Demand) 49.995 Total amount recovered 21.686 Total amount overdue 28.317 Out of (6) amount overdue [ Standard] 4.718 Out of (6) amount overdue [NPA] 23.609 Non Fund exposure/Off Balance Sheet exposure O/s 0.00

AGENDA- 15

Financial Inclusion

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

15.1.1 Progress as on 31.03.2016:

No. of villages to be covered with bank branches as per road map 569No. of villages provided with bank branches 5

15.1.2 Implementation of PCA (Prompt Corrective Action) plan in Indian Overseas Bank (IOB) – Reallocation of villages to other banks in the state: As per the instructions of RBI, allotment of villages having population of more than 5000 for opening of brick and mortar branches has been approved in the Steering Committee meeting of SLBC held on 09.02.2016 and the same was submitted to RBI.

The following villages have been allotted to Indian Overseas Bank by the respective Lead District Managers.

S. No District Name Sub-district name Village name Population

1 Chittoor Yerpedu Vikruthamala 8,4162 East Godavari Mandapeta Ippanapadu 5,4833 East Godavari Uppalaguptam Bheemanapalle 7,7334 Guntur Amaravathi Nemalikallu 5,8125 Guntur Guntur Ankireddipalem (R) 22,2566 Guntur Chebrolu Suddapalle 5,4617 SPS Nellore Jaladanki Chamadala 5,073

53


8 Visakhapatnam Munagapaka Thotada 5,0539 Visakhapatnam Nakkapalle Pedateenarla 6,055

Indian Overseas Bank vide their letter no ZO/HYD/43/2016-17 dated 04.04.2016 expressed their inability to open new branches in allotted nine villages due to the implementation of PCA (Prompt Corrective Action) plan by RBI in their bank and the embargo by RBI on their branch expansion.

The matter was referred to RBI for necessary guidance. In response, RBI advised us to reallocate these villages to other Banks.

SLBC vide letter No 666/30/352/126 dated 20.05.2016 requested all controlling authorities of banks to inform their consent for opening of branches in the above villages on or before May 25, 2016 so as to inform the same to RBI.

Chaitanya Godavari Grameena bank has informed that they are willing to open a branch at Ankireddipalem (R) in Guntur District.

Banks are requested to inform their consent in the remaining eight locations at the earliest.

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

Quarter ended

No. of ATMs

31.03.2015 714330.06.2015 735930.09.2015 757331.12.2015 763631.03.2016 8210

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

15.3.1. Progress on Number of Accounts opened under PMJDY (16.08.2014 to 28.05.2016)

Type of Bank

No. of AccountsTotal No.

of Accounts

No. of Accounts

linked with

Aadhaar

No. of Accounts with Zero Balance

No of Rupay Debit Cards Issued

No. of Rupay

Debit Cards in active

status

Balance in PMJDY Accounts (in Lakhs)

Rural Urban

PSBs2873380

2675091

5548471 3871906 1529135 4892739 1722669 58406.32

RRBs 1360597 344983 1705580 1082189 306975 1177377 1001298 15157.62Private sector Banks

41669 141510 183179 67758 53916 136672 63939 4116.07

Total 4275646316158

47437230 5021853 1890026 6206788 2787906 77680.01

54


15.3.2. Conversion of normal bank accounts of beneficiaries of Welfare Schemes under DBT into PMJDY accounts:Andhra Pradesh Backward Classes Cooperative Finance Corporation Limited vide Lr. No.71/C/2015 dated 09.05.2016 informed that in pursuance of Government of India instructions requested to take necessary action for conversion of normal bank accounts of beneficiaries of Welfare Schemes under Direct Benefit Transfer (DBT) into Prime Minister Jan Dhan Yojana (PMJDY) duly obtaining an application by the account holder to the concerned bank branch.

Department has requested all banks to issue suitable instructions to branches for conversion of normal bank accounts of beneficiaries of B.C. Corporation Schemes under DBT into PMJDY accounts.

15.3.3 Conversion of Small Accounts to Basic Savings Bank Deposit Accounts (BSBDA): Department of Financial services, Ministry of Finance, GoI vide letter 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.10000/-, balance in the accounts to not exceed Rs.50000/- at any point of time, credit limit not to be more than Rs.1 lakh) in the Small Accounts opened under PMJDY.In this regard, it is informed that PMJDY envisages opening of ‘Basic Savings Bank Deposit Account (BSBDA)’ which are subjected to RBI instructions on Know Your Customers (KYC) / Anti Money Laundering (AML) for opening of bank accounts issued from time to time. As per RBI guidelines, these BSBD accounts inter-alia, have following minimum common facilities to all customers:

(i) The account shall not have the requirement of any minimum balance.(ii) The services available in the account will include deposit and withdrawal of cash at bank

branch as well as ATMs; receipt / credit of money through electronic payment channel or by means of deposit / collection of cheques drawn by Central / State Government agencies and departments.

(iii) While there will be no limit on number of deposits that can be made in a month, including ATM withdrawals: and

(iv) Facility of ATM card or ATM-cum-Debit Card.

However, those persons who do not have any of the ‘officially valid documents’ as stipulated by RBI, 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 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

55


account holder provides a document showing 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 mechanisms (to obtain necessary 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 of the scheme, so that customers are not put to hardship due to restrictions imposed under ‘Small Account’.

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

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

15.3.5. Solar Powered V-SAT connectivity to Kiosk / Fixed CSPs in the Sub-Service Areas – Support under FIF: many of the Sub Service Areas (SSAs) allotted to the Banks have telecom connectivity problems (no connectivity or intermittent connectivity). To enable banking services to reach these Sub Service Areas, V-SAT is a feasible alternative. Solar Powered V-SAT is expected to solve the problem of connectivity and power supply in the Sub Service Areas. As approved by Advisory Board for Financial Inclusion Fund (FIF), support is extended to set up connectivity in these SSAs with problem of connectivity under the following three categories:

a) Areas having no connectivity as per the list of 894 locations circulated by Department of Financial Services, Ministry of Finance, Government of India;

b) Areas not listed by DFS but have no connectivity; andc) Areas having intermittent connectivity creating a major problem in the transactions by

BCs/BCAs.

100% of the fixed cost subject to a cap of Rs.4.00 lakh per unit will be borne by NABARD under FIF. The recurring expenses will be fully borne by the Banks. In case the Bank wants V-SAT connectivity without solar power, support will be restricted to 100% of fixed cost subject to a cap of 3 lakh per unit.

NABARD Master circular on Solar Powered V-SAT connectivity to Kiosk / Fixed CSPs in the Sub-Service Areas – Support under FIF is placed as Annexure.No.39

56


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

S No

Name of the BankNumber of SSAs with No

connectivity(Dark Areas)

Number of SSAs with Intermittent connectivity

(Grey Areas)Total

1 APGB 0 41 412 APGVB 29 74 1033 SBI 0 3 34 Syndicate Bank 2 2 4

Total 31 120 151

Detailed list of SSAs submitted by the banks through self certified letter to SLBC for Solar Powered V-SAT connectivity under NABARD FIF scheme is placed as Annexure.No.40

15.3.6. Support from FIF for setting up of solar powered V-SAT connectivity – Expansion of banking network in the most affected LWE districts: Expansion of banking network in Left Wing Extremism (LWE) affected districts is critical for the empowerment of people in those areas. No / erratic connectivity is a major deterrent for the banks to open new branches in LWE districts. With a view to expand the banking network in LWE affected districts, it has been decided to provide V-SAT connectivity support for new branches opening in the 150 identified districts from Financial Inclusion Fund.

NABARD circular on Support from FIF for setting up of solar powered V-SAT connectivity – Expansion of banking network in the most affected LWE districts is placed as Annexure.No.41

15.3.7. Progress report - Number of Enrollments under Social Security Schemes as on 28.05.2016

Type of Bank PMSBY PMJJBY APY TotalPSBs 5354568 1067709 103409 6525686Pvt. Sector Banks 239637 62600 4479 306716RRBs 1217377 314342 25127 1556846Co-operative Banks 1037 634 0 1671

Grand Total 6812619 1445285 133015 8390919

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

57


15.3.8. 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 ).

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

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

15.3.9. Rupay Insurance Program FY 2016-17: National Payments Corporation of India (NPCI) vide circular Rupay/2015-16/46 dated March 29, 2016 issued guidelines for Rupay Insurance Program FY 2016-17.

All Rupay Card holders (valid for Physical or Virtual Rupay card holder) i.e. Cards issued on an IIN assigned by Rupay will be eligible for the benefit under the Rupay Insurance Program 2016-17. Benefits of Insurance will be available to the Cardholders who have performed minimum one successful financial or non-financial transaction* at any channel both intra and inter-bank i.e. on-us and off-us (ATM/MicroATM/POS/e-com/Business Correspondent of the bank at locations by any payment instrument)

a. Within 45 days prior to date of accident including accident date for Premium Cardholders and

b. Within 90 days prior to date of accident including accident date of Non-Premium Cardholders

*Transaction types means all customer induced transaction by any payment instrument whether on-us (Bank Customer/Rupay card holder transacting at same bank channels) and / or off-us (Bank Customer / Rupay card holder transacting at other bank channels).

Under the Rupay Insurance program 2016-17 Rupay cardholders will be eligible for the compensation on only 1 eligible Rupay card per cardholder or per customer, even if multiple

58

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


cards held by cardholder of same / different bank are meeting the eligibility criteria. The choice of the card for the claim would rest with the customer.

The Personal Accident Insurance Death and Permanent Total Disability would be an open policy for any kind of accident related to death or permanent total disability.

In the event that the date of accident is:a. Within 45 days prior to date of accident including accident date for Premium Cardholders

andb. Within 90 days prior to date of accident including accident date of Non-Premium

Cardholders.From the date of issuance of the Rupay card, the policy would respond in favour of the cardholder even if no transaction has been carried out using the card.

Personal Accident Insurance is open to all Rupay cardholders above 5 years of age subject to fulfillment of the term and conditions of the policy.

15.4. Credit plus activities

15.4.1. Financial Literary Centers (FLCs) - Position in A.P as on 31.03.2016: Particulars No. of FLCs

Number of FLCCs operating in the District Head Quarters 13Number of FLCCs operating in Lead District Offices 10Number of FLCCs operating in Other Places 44

Total 67(Detailed statement enclosed as Annexure No.42)

15.4.2. Financial Literacy Project in Schools:Department of Financial Services, MoF, GoI vide letter F.No.21(15) 2014-15 (Mission) dated 10 th

March 2016 informed that in various V.C meetings where all banks were directed to organize financial literacy programs in schools to implement the pilot project on financial literacy on pan India basis.

SLBCs to arrange for mapping of the schools, covering 100 schools per district, In the State to bank branches and share the list of schools mapped to each bank branch to nodal officer of the bank in the State for implementation of the project. Mapped bank branches will arrange for sensitization / training of branch staff / other delivery channels to be involved in financial literacy on the methodology.

SLBCs are requested to complete mapping of schools (100 per district) in their state and share with the banks operating thereat. The mapped banks / branches are requested to apprise their staff on the process flow to be followed and ensuring printing, distribution of FL material as per the specifications for smooth implementation of the financial literacy project in the schools.

59


15.4.3. Rural Self Employment Training Institutes in Andhra Pradesh

Statement of performance of RSETIs for the financial year 2015-16 is enclosed as Annexure No.43

Reimbursement of pending claims of expenditure to Institutes:Presently expenditure claims pertaining to the financial years 2010-11, 2011-12, 2012-13,2013-14, 2014-15 and 2015-16 (up to March end) are still pending for reimbursement to the institutes.

GoAP requested to reimburse the expenditure of Rs.15.50 Crores for all the institutes in the state of Andhra Pradesh. Statement of claims submitted by RSETIs is placed as Annexure No.44

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

SLBC AP call centre was designated for receiving the grievances in implementation of PMJDY with caller tone of PMJDY. Accordingly staff at the call centre was given orientation by SLBC.

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

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

60


AGENDA- 16

Overdue/NPA position16.1 Overdue / NPA position as on 31.03.2016 under various sectors (Priority)

(Rs. in Crores)

Sector

Outstanding Overdue Non – Performing Assets

No. of a/cs

AmountNo. of overdue accounts



No. of accounts

Amount

Short Term Crop Production Advances

9025892 67174 2552072 15709 15709 524962 3569

Agrl.Term Loans Including Agrl. Allied Activities Advances

1898642 27672 645006 7130 3894 291784 2037

Total Farm Credit 10924534 94845 3197078 22839 19603 816746 5606Agriculture Infrastructure 6048 630 1700 237 114 592 100

Ancillary Activities 11801 4448 1928 592 207 651 160

Total Agriculture Advances 10942383 99923 3200706 23668 19923 817989 5866

MSME Sector Advances 1084115 40983 243732 7445 3287 105679 2617

Export Credit 315 961 23 6.38 1.37 3 1.10Others under Priority Sector Advances

854305 27255 150147 4888 1318 66716 872

Total Priority Sector Advances 12881118 169122 3594608 36007 24530 990387 9356

Non-priority sector loans 4196798 73188 388473 11200 5858 141806 4237

Total Advances 17077916 242310 3983081 47207 30388 1132193 13593Housing Loans Advances 390605 18820 75929 3845 803 33512 488

Education Loans Advances 149849 3650 24412 608 234 10558 190

61


Self Help Groups Advances 829539 15861.2

5 219705 3053 1689 81106 828

Short Term Agriculture Crop Production Loans:The total outstanding balance in overdue accounts (PNPA) is Rs.15,709 crores which is 23.39% and NPA is 5.31% to total outstandings and NPA in real terms it is Rs.3,569 crores. Agriculture Term Loans Including Allied Activities:The total outstanding balance in overdue accounts (PNPA) is Rs.7,130 crores which is 25.77% and NPA is 7.36% to total outstandings and NPA in real terms it is Rs.2,037 crores. Total Farm Credit: The total outstanding balance in overdue accounts (PNPA) is Rs.22,839 crores which is 24.08% and NPA is 5.91% to total outstandings and NPA in real terms it is Rs.5,606 crores. Agriculture Infrastructure: The total outstanding balance in overdue accounts (PNPA) is Rs.237 crores which is 37.62% and NPA is 15.87% to total outstandings and NPA in real terms it is Rs.100 crores. Ancillary Activities: The total outstanding balance in overdue accounts (PNPA) is Rs.592 crores which is 13.31% and NPA is 3.60 % to total outstandings and in real terms it is Rs.160 crores.Total agriculture Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.23,668 crores which is 23.69% and NPA is 5.87 % to total outstandings and in real terms it is Rs.5,866 crores.MSME Sector Advances:The total outstanding balance in overdue accounts (PNPA) is Rs.7,445 crores which is 18.17% and NPA is 6.39 % to total outstandings and in real terms it is Rs.2,617 crores.Other Priority Sector Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.4,894 crores which is 17.96% and NPA is 3.20 % to total outstandings and in real terms it is Rs.873 crores.Total Priority Sector Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.36,007 crores which is 21.29% and NPA is 5.53 % to total outstandings and in real terms it is Rs.9,356 crores.Non-Priority Sector Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.11,200 crores which is 15.30% and NPA is 5.79 % to total outstandings and in real terms it is Rs.4,237 crores.Total Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.47,207 crores which is 19.48% and NPA is 5.61 % to total outstandings and in real terms it is Rs.13,593 crores.Housing Loans Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.3,845 crores which is 20.43% and NPA is 2.59 % to total outstandings and in real terms it is Rs.488 crores.Education Loans Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.608 crores which is 16.66% and NPA is 5.21 % to total outstandings and in real terms it is Rs.190 crores.Self Help Group Advances:

62


The total outstanding balance in overdue accounts (PNPA) is Rs.3,053 crores which is 19.25% and NPA is 5.22 % to total outstandings and in real terms it is Rs.828 crores.

Agriculture50%

MSME16%

Others un-der Priority

10%

Non Priority24%

Sector wise Actual Overdues as on 31.03.2016 under Priority Sector

Agriculture41%

MSME19%

Others un-der Priority

8%

Non Priority32%

Sector wise NPA Position as on 31.03.2016 under Priority Sector

63


16.2 Overdue / NPA position as on 31.03.2016 under various sectors (Non-Priority)(Rs. in Crores)

Sector

Outstanding OverdueNon – Performing Assets

No. of a/cs

AmountNo. of overdue accounts



No. of accounts

Amount

Agriculture 1430 129 1289 35 33 5 0.06MSE -Service Sector

17450 1107 9536 289 100 553 35

Medium Enterprises

1674 4992 180 654 461 92 350

Large Industries 8295 13207 539 2869 2431 384 2293Education 15406 676 503 38 18 261 16Housing 475174 10245 7934 990 138 1261 103Other Personal Loans

1229986 14784 119361 3010 898 36803 374

Other Non-Priority Sector Loans

2447383 28048 249131 3315 1779 102447 1066

Total Non-Priority Sector Advances

4196798 73188 388473 11200 5858 141806 4237

64


Agriculture Advances:The total outstanding balance in overdue accounts (PNPA) is Rs.35 crores which is 27.13% to total outstandings .

MSE Service Sector:The total outstanding balance in overdue accounts (PNPA) is Rs.289 crores which is 26.11% and NPA is 3.16% to total outstandings and NPA in real terms it is Rs.35 crores. Medium Enterprises: The total outstanding balance in overdue accounts (PNPA) is Rs.654 crores which is 13.10% and NPA is 7.01% to total outstandings and NPA in real terms it is Rs.350 crores.

Large Industries: The total outstanding balance in overdue accounts (PNPA) is Rs.2,869 crores which is 21.72% and NPA is 17.36% to total outstandings and NPA in real terms it is Rs.2,293 crores.

Loans to Education Sector: The total outstanding balance in overdue accounts (PNPA) is Rs.38 crores which is 5.62% and NPA is 2.37 % to total outstandings and in real terms it is Rs.16 crores.

Loans to Housing Sector: The total outstanding balance in overdue accounts (PNPA) is Rs.990 crores which is 9.66% and NPA is 1.01 % to total outstandings and in real terms it is Rs.103 crores.

Other Personal Loans:The total outstanding balance in overdue accounts (PNPA) is Rs.3,010 crores which is 20.36% and NPA is 2.53 % to total outstandings and in real terms it is Rs.374 crores.

Other Non-Priority Sector Advances:The total outstanding balance in overdue accounts (PNPA) is Rs.3,315 crores which is 11.82% and NPA is 3.80 % to total outstandings and in real terms it is Rs.1,066 crores.

Total Non-Priority Sector Advances: The total outstanding balance in overdue accounts (PNPA) is Rs.11,200 crores which is 15.30% and NPA is 5.79 % to total outstandings and in real terms it is Rs.4,237 crores.

65


Agriculture0%

MSE-Service3% Medium Ent.

6%

Large Ind.26%

Education0%

Housing9%

Other Personal Loans27%

Others30%

Sector wise Actual Overdues as on 31.03.2016 under Non-Priority Sector

66


MSE-Service1%

Medium Ent.8%

Large Ind.54%

Education0%

Housing2%

Other Per-sonal Loans

9%

Others25%

Sector wise NPA Position as on 31.03.2016 under Non-Priority Sector

AGENDA- 17

Regional Rural Banks

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

17.1 Performance of Regional Rural Banks on important parameters

Bank Net WorkS.

NoName of the RRB No. of Branches

as on 31.03.2015

No. of Branches as on 31.03.2016

1 APGVB 254 2672 APGB 470 5003 CGGB 158 1744 S G B 170 181

67


Total 1052 1122

Deposits: (Rs. In crores)

S. No Name of the RRB 31.03.2015 31.03.20161 APGVB 2563.65 3420.662 APGB 7813.24 9594.653 CGGB 2186.21 2733.364 SGB 3087.03 3696.14

Total 15650.13 19444.81

Advances (Rs. In crores)S. No Name of the RRB 31.03.2015 31.03.2016

1 APGVB 2237.85 2637.642 APGB 7321.74 8764.813 CGGB 1993.83 2428.784 S G B 3393.26 3555.03

Total 14946.68 17386.26

CD RatioS. No Name of the RRB 31.03.2015 31.03.2016

1 APGVB 87.29 77.112 APGB 93.71 91.353 CGGB 91.20 88.864 S G B 109.92 96.18CD ratio of all RRBs 95.51 89.41

Total Advances (Rs. In crores)S.

NoName of the RRB Outstanding Total Agriculture

31.03.2015 31.03.2016 31.03.2015 31.03.20161 APGVB 2237.85 2637.64 1267.35 1798.322 APGB 7321.74 8764.81 5618.42 6786.23

68


3 CGGB 1993.83 2428.78 1621.30 1988.674 S G B 3393.26 3555.03 2495.65 2757.79

Total 14946.68 17386.26 11002.72 13331.01

Short Term Crop Production Loans

(Rs. in crores) S.

NoName of the RRB Short Term Production

Loans31.03.2015 31.03.2016

1 APGVB 619.28 804.412 APGB 2931.63 3920.083 CGGB 1306.27 1556.674 S G B 1669.61 2025.11

Total 6526.79 8306.27

AGENDA -18Other Items

18.1 Progress on filing of Equitable Mortgage Records on CERSAI as on 31.03.2016:

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

during the Quarter

No. of records uploaded on CERSAI Portal during Quarter

1 2 3PSBs 9127 8851Pvt. Sector Banks 2042 2022RRBs 506 506Co-operative Banks 17 17Others 0 0

Total 11692 11396 (The figures are indicative as the data has not been received from all member banks)

Bank wise progress in filing of Equitable Mortgage records on CERSAI is placed as Annexure No.45

69


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

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

AGENDA -19 19.1. Circulars issued by RBI:

a. RBI/2015-16/338, FIDD.MSME & NFS.BC.No.21/06.02.31/2015-16 March 17, 2016 issued -Framework for Revival and Rehabilitation of Micro, Small & Medium Enterprises (MSMEs)

b. RBI/2015-16/341, FIDD.No.FSD.BC.20/05.10.007/2015-16 dated March 17, 2016 – Pradhan Mantri Fasal Bima Yojana

c. RBI/2015-16/360, FIDD.GSSD.CO.BC.No.22/09.16.03/2015-16 dated April 07, 2016 – Deendayal Antyodaya Yojana (DAY) – National Urban Livelihoods Mission

d. RBI/2015-16/366, FIDD.CO.Plan.BC.23/04.09.01/2015-16 dated April 7, 2016 – Priority Sector Lending Certificates

e. RBI/2015-16/378, DBR.No.Leg.BC.93/09.07.005/2015-16 dated April 21, 2016 – Publicity in the bank branches cautioning public against placing deposits in dubious schemes

f. RBI/2015-16/391, FIDD.No.FSD.BC.24/05.05.014/2015-16 dated May 5, 2016 – Discontinuation of Statements on Special Agriculture Credit Plan (SACP)

g. RBI/2015-16/416, FIDD.FSD.BC.No.25/05.10.001/2015-16 dated June 2, 2016 – Implementation of Supreme Court Orders in Writ Petition by Swaraj Abhiyan against Union of India and others – Guidelines on Relief Measures by banks in areas affected by Natural Calamities

70

190th Meeting of State Level Bankers’ Committee of … Meetings/194th SLBC Agenda.docx · Web...

Documents

Transcript of 190th Meeting of State Level Bankers’ Committee of … Meetings/194th SLBC Agenda.docx · Web...