Minutes of 126th SLBC meeting of State Level Bankers’ Committee – Himachal Pradesh held on 18.12.2012 at Hotel Holiday Home, Shimla (H.P.)

126th meeting of State level Bankers Committee- Himachal Pradesh was held on 18th December, 2012. Sh. SUDRIPTA ROY, IAS, Chief Secretary to the Govt. of Himachal Pradesh was the Chief Guest. The meeting was chaired by Sh. B. VENKAT RAMANA, General Manager, UCO Bank. The list of participants is annexed at the end.

KEY NOTE ADDRESS GIVEN BY SHRI B.VENKAT RAMANA, GENERAL MANAGER, UCO BANK & CONVENOR SLBC-HP ON THE OCCASION OF 126 th SLBC MEETING HELD ON 18.12.2012

At the outset, Sh. B.Venkat Ramana, General Manager, UCO Bank on behalf of Convenor Bank and the August forum extended hearty welcome to Sh. Sudripta Roy, State Chief Secretary for having spared valuable time from his busy schedule to share his views and expectations from the Banking sector to accelerate process of socio economic development of the State. Shri Venkat Ramana formally extended warm welcome to distinguish dignitaries sitting on the Dias and all other senior executives from the State Govt. Banks, Corporations, Boards and Media persons. Sh. Ramana delivered his Key Note address highlighting the various aspect on the recent developments in Financial Sector and the progress achieved by Banks in the State for the Half year ended September, 2012 . The text of key note address placed as under;

“As we all are aware that Financial Inclusion initiatives are pursued vigorously by the Reserve Bank of India and Govt. of India, as a mean to attain the comprehensive and inclusive growth in the country. In our country, more than 50 percent of the population is still do not have access to the banking services through the formal banking system. Banks have geared up to accept the challenge of Financial Inclusion to the large section of excluded populace. Banking Industry envisages it as a business opportunity and is prepared to expand the scope of banking services to the excluded section through the innovative products and services at the affordable cost. Banks are having efficient technology support in place to leverage it for last mile connectivity with excluded section of our society.

I would like to place before this August House some of the innovative and strategic initiatives recently taken up the Government in the area of Financial Inclusion initiatives.

 Roadmap for providing banking services to all the unbanked villages by the Banks in a structured manner. In the first phase of Financial Inclusion Plan, villages with population above 2000 was targeted and in Himachal Pradesh, 48 villages with population above 2000 were provided banking services through various modes like ICT based BC model and opening of Brick & Mortar Branch. Now in 2nd phase the focus has shifted to unbanked villages with population less than 2000 for providing the banking services through various modes with in next three years. As per the direction received from the Reserve Bank of India, Road map to provide banking services in all the 20016 unbanked villages in the State with in 2015 is prepared. Lead District Managers have completed this exercise for all the twelve districts in the State and finalized the District-Wise, Bank-wise Road Map. We appreciate the efforts made by the LDMs for completing this huge exercise. The Road map for the State is prepared by the SLBC Convenor Bank with consolidation of Roadmaps for Districts and placed the same for approval of the SLBC on its special meeting held on 29.11.2012 at Shimla. The Roadmap for the State of Himachal Pradesh, approved by SLBC is now submitted to RBI. The District-wise and bank-wise position is also mentioned in the Agenda papers placed before you.

 RBI and Govt. have encouraged Electronic Benefit Transfer for routing social security payments and other social benefits / subsidies through the banking channel. In this regard, Govt. of India has announced recently a Direct Cash Transfer Scheme, being launched w.e.f. 01.01.2013 in 51 selected districts in the country where large percentage of people have bank account and Aadhaar number. The objective of the scheme is to prevent corruption and to stop pilferages, duplication and leakage in distribution of benefits. Under this new architecture of delivery of welfare services, the cash benefit will be transferred by the Govt. straightway in to the bank account of the Beneficiary through the Aadhaar Enable Payment System. The Department of Financial Services, Ministry of Finance is closely monitoring the preparedness of the Banks for smooth launching of the Scheme from 1st of January, 2013 in all the identified Districts.

 Out of the 51 Priority Districts identified under the scheme, four districts viz. Bilaspur, Una, Hamirpur and Mandi are identified in Himachal Pradesh. To launch the new initiatives smoothly w.e.f. 1.1.2013, Director, Financial Services, Ministry of Finance has reviewed the preparedness by the Banks in the State through video conferencing on 20.11.2012 with the Convenor bank and LDMs of the four priority districts. A special meeting of SLBC was convened on 29.11.2012 to deliberate on this issue. All such quick reviews by the Govt. at various level with all the stake holders underline the priority attaches to the implementation of the scheme. The action plan advised by Deptt. of Financial Services, Ministry of Finance to the banks for readiness to implement the new initiatives are placed in the agenda papers for deliberation and I would like to highlight few points before the house.

 Banks to scale up alternate delivery mode like ICT based BC models, low Cost Intermediate Brick & Mortar Structures (Ultra Small Branches) and Brick and Mortar structures in the unbanked areas which would enable banks to overcome the barriers of geography and outreach to the underprivileged and excluded section of the population in the country.  All the unbanked villages with population of 1000+ allotted to Banks for providing banking services are to be covered on priority within deadline of 31st March, 2013.  Common Business Correspondent (BC) under the cluster approach is in the process of finalization by the PNB for the Cluster including Himachal Pradesh. But member banks can go ahead for engage the other BC (Technical Service Provider) without waiting for common BC to implement the FI initiatives in time bound manner as directed by Ministry of Finance.  Establishment of ATMs in all branches located with in population up to 10000 within 31.12.2012.  All treasury business branches in the State should have the ATM installed within 31.12.2012.  Issuance of Debit Cards to all customers and Rupay Kisan Credit Cards to all the eligible farmers in a time bound manner.  A special campaign be launched by Banks to open a bank account of each Household in their service area. Simultaneously, seeding of Aadhaar number in the Bank account is important to initiate the Aadhaar Enabled Payment System. Migrant labourers and Street Vendors should be in the focal attention of the banks for coverage under Financial Inclusion in urban areas.  Each member Bank to put in place Aadhaar Payment Bridge- a backend payment processing platform that allows transfer of funds to Aadhaar Enable Bank accounts of the beneficiaries. We hope that this arrangement is, by now, completed by the corporate offices of the member banks. I request the controlling heads of the bank to take up this issue with their corporate office on priority.

The highlights of action plans will be taken up in details in the course of regular agenda and we are hopeful that with the well coordinated efforts of all the stakeholders we will implement the scheme successfully. We urge the State Govt. authorities to provide the beneficiary’s lists with necessary details on Bank Account number and Aadhaar number to the Banks in respect of four priority districts in the state. The massive publicity and awareness campaign are to be arranged jointly by Govt. and Banks to successfully implement the Scheme. In this context we express our special gratitude for the support and guidance extended by RBI/ NABARD in implementation of all development initiatives.

Now, I would place before the house the highlights of Banking Sector performance indicators in Himachal Pradesh for the quarter ended September, 2012;

The overall target under the Annual Credit Plan for 2012-13, for Half year ended September 2012 surpassed and banks have disbursed Rs. Rs. 4472 crores against the half yearly target of Rs. Rs.4394 crores, thus recorded overall achievement of 102 percent. The sub segment wise achievement in – Agriculture - 94%; MSE Sector- 98%; Other Priority Sector (which also includes Education, Housing, Demand loan, and Micro finance) - 77 %. The targets under Non Priority Sector segments are surpassed by 161%. I urge upon the Bankers friends to ensure that shortfall in achievements of the ACP Targets under Priority sector segments shall be making up in the current quarter by having close monitoring and review of the progress.

Banks have recorded Y-o-Y growth in total business of 13 percent with total business of Rs.74675 crores as of September, 2012. Deposit has registered the Y-o-Y growth of 19 percent with aggregate deposits of Rs.53400 crore. Total advances of Rs.21274 crore recorded low Y-o-Y growth of just 1 percent due to negative growth in advance (reduction of Rs.1451.44 crores) witnessed during the period under review in Private Sector Banks in HP. Banks in the State have branch network of 1614 branches as of Sep.2012 with more than 80 percent branches located in rural area. Beside this 692 ATMs, as alternate delivery channel, are in operation in the State.

Credit Deposit ratio for the State registered the positive Y-o-Y growth and this ratio is 69 percent as of September,2012. But critically Low CD ratio persistently recorded in eight districts in HP, is an area of concern for all the stake holders. Each member Bank needs to review CD ratio at the micro level with branch-wise position and to take the steps to improve the CD ratio branch wise which will definitely have positive impact on over all CD ratio of Banks. To augment the demand for the credit in the State, Banks have to explore the new avenues in the area of Food processing, Horticulture, Rural warehousing, MSME, Retail sector and higher level of Public–private participation in infrastructure financing so that mismatch in demand & supply side for bank credit can be reduced and CD ratio can be improved.

It is remarkable to note that 87 percent households are covered through revolving credit by way of KCCs / GCCs / Overdrafts etc. Banks have issued 16075 fresh KCCs during the quarter, September, 2012; Banks are now issuing the Repay Kisan Credit Cards- smart cards to facilitate hassle free credit to the farmers. More thrust is to be given by the Banks for credit linkages of SHGs to facilitate Credit Inclusion in the State. To boost the Micro Finance and Credit Inclusion in the State, a Special Scheme has been launched under the supervision, guidance & support of NABARD for promotion of Women Self help groups in the TWO backward districts viz. Sirmour and Mandi, in Himachal Pradesh and their Credit linkages with the supporting role of reputed NGOs. As of September 2012, Banks have total 63862 SHGs having Credit linkages in the State. The NPA ratio has further increased from 5.43 percent as June, 2012 to 6.95 percent at the quarter ended September, 2012. Growing NPA is a matter of concern for the Bankers and I urge the bankers to focus on strengthening of recovery mechanism. Bankers need active support from the State Govt. for quick disposal of pending Certificate cases under State Recovery Act. I appeal to the State Govt. Authorities to extend necessary support to the Banker in their recovery efforts at the grassroots level to create the healthy recovery environment in the State.

RSETIs, the institutional frame work for promoting entrepreneurial activities among Rural Youths for self employment generation, set up in the state, will have to strengthen their infrastructure facilities to perform more effectively. State Govt. has provided the land to RSETIs free of Cost and Lead Bank concerned in the respective districts are requested to speed up the construction of Building and creation of other infrastructural facilities in these training institutes in time bound manner for their effective performance.

Last but not the least I would reiterate that Financial Inclusion Initiatives is creating a business opportunity in a big way in the Banking Industry as well as posing challenges on the issues of expanding the geographic and demographic reach to the large section of excluded populace in our country. Financial literacy and level of awareness are still big issues for the success of various innovative initiatives taken up for inclusive growth. It calls for coordination of all the stakeholders like Regulators, Banks, Governments, Civil Societies, NGOs etc.”

HIGHLIGHT OF CONCLUDING REMARKS GIVEN BY SH. SUDRIPTA ROY, IAS, CHIEF SECRETARY TO THE GOVERNMENT OF HIMACHAL PRADESH ON THE OCCASION OF 126 TH SLBC MEETING HELD ON 18.12.2012.

The State Chief Secretary was kindly consented to deliver the formal concluding remarks after the completion of normal agenda. At the outset Sh. Sudripta Roy, IAS, State Chief Secretary remarked on the last Special SLBC meeting held at Shimla, eighteen days ago, to review the preparedness on the banker side for successful implementation of Direct Cash Transfer initiatives announced by Government of India to be launch in the 51 priority districts across the country from 01.01.2013. In the concluded address respected Chief Secretary highlighted the various issues concerning the development in the State and the expectation from banking Sector on achieving inclusive growth in the State. The text of concluding address made by Chief Secretary placed hereunder for information and necessary follow up action; “ Our State having four priority districts namely Bilaspur, Hamirpur, Mandi & Una in the list of 51 Priority Districts identified for the purpose. As the launching date is approaching fast the pressure of close monitoring has mounting up directly from Prime Minister Office (PMO) and Planning Commission to assess the ground readiness. I am confident that Banks entrusted with the responsibility for mapping of households having a bank account and to seed the Aadhaar numbers has the most priority area to be completed on war footing manner so that Aadhaar Enabled Payment System can be started in the first phase in four identified districts of Himachal Pradesh.

Friends, as we are aware that State is observing model code of conduct imposed by election commission. Under these circumstances no public announcement can be made for implementation of new welfare schemes in the State. However, line departments are busy in the preparatory work in connection with Direct Cash Transfer of subsidies in the beneficiary’s account w.e.f. 1.1.2013.

My Banker friends will certainly provided with the list of selected beneficiaries under various schemes in due course of time. At this juncture I request the Lead District Managers to be in touch with District Administration and share the progress on daily basis. I request my colleagues’ attending today’s meeting to guide the preparedness amongst bankers for smooth operationalisation of Direct Cash Transfer Scheme.

 Friends with the pro-active contribution of all stake holders the State economy has geared up to reach achievements on new heights. Himachal has been awarded with the “Most attractive Industrial Destination” Award on account of registering 116% increase in Industrial Investment in 2011-12 and consistent GDP growth at 8.3% per annum for the last four years. Bankers also deserve appreciation for accelerating the flow of credit in various sectors of the economy.  I am happy to observe that banking fraternity in the State is performing well in their areas in the State in tune with National priorities laid down by Govt. of India. Out of six national goals the achievement of banks in five key parameters is above the national norms i.e. Priority Sector Advances (72%), Advances to Agriculture (22%), and Advances to Weaker Section (21%), CD Ratio (69%) and Advances to Women (8%) as of September, 2012. Banks are lagging behind only in DRI targets presently maintained at 0.05% against the national parameter of 1% stipulated by RBI. 21% hike in the Priority Sector Advances as of September, 2012 over corresponding period September, 2011 is definitely a good sign similarly 25 points increase recorded in Agriculture Advances shows the commitment of banks to support rural economy of the State.  The Financial performance reveals that deposits of the banks have grown at 19% from Rs. 45046 Crores in September, 2011 and reached to Rs.53400 Crores as of September, 2012. CD Ratio also gain 2.57% increase and moved from 67.54% as of September, 2011 to 69.29% as of September, 2012 calculated in terms of Thorat Committee formula which also include the inflow of bank credit sanctioned outside the State but utilized in the State. I appeal to my Banker friends to give preferred attention for increase in Domestic CD Ratio as well. I recall a lot of discussions took place on DRI issue in the past but no significant improvement took place in the improvement of loan to DRI beneficiaries. In fact we have to consider the increase in quantum of loan under DRI to match the national target of 1%. RBI may send the suggestion to their Central Office for consideration. However, I recommend that every branch must sanction at least 4-5 cases under DRI to enlarge the portfolio at their hand.  It is observed that Banks has fully achieved the Financial Targets in terms of disbursement of fresh credit to the tune of Rs. 4472 Crores targeted for the half year ended Sept, 2012 under Annual Credit Plan - 2012-13 and sanctioned 234423 number of fresh loans to various sectors out of which 102164 numbers of loans are given to farmers for agriculture purposes in the State.  I am happy to note that out of total 10.51 lakh targeted households in the State, Banks has provided revolving type of credit to 9.17 lakhs households (87.22%).  Banking network is rapidly growing in the State as 44 new bank branches of various banks were opened during three months period from July to September, 2012. At present 1614 branches are catering to the needs of the people and the State is maintaining best per branch population recorded 4248 based on 2011 Census against national average above 18000. Besides 692 ATMs were installed by Banks in the State. I am happy that Bankers have agreed to install ATMs with all branches dealing with State Treasury business.  I am happy to know that Banks in the State has finalized the roadmap for providing banking services in 20016 unbanked villages having population below 2000 under the directives received from RBI to cover all unbanked villages in a period of three years upto March, 2015. Under the roadmap Banks has proposed to open 162 new bank branches and 19854 number of villages has proposed to cover through BC model for providing door step banking services in the State.  I am happy to know that Banks has started implementation of ICT based BC Model for distribution of Social Security Pension in district Bilaspur on pilot basis where 151 Gram Panchayats were distributed amongst 11 participating banks. The Convenor UCO Bank has engaged 43 CSPs in all the 43 Gram Panchayats allocated to Bank and they have started enrolling of households by opening of bank account to start with Aadhaar enabled payment system under “One District – Many banks – One leader bank model” guidelines issued by RBI. I appeal to our other banker friends to take a similar action and start BC model in a time bound manner. I am also happy that Seeding of Aadhaar numbers in the bank accounts has started in all districts in the State apart from four priority districts in the State where so far 100423 number of SB accounts has been seeded with Aadhaar number and need to further intensify the efforts.  Friends, you may be aware that a new Mega programme of Government of India namely National Rural Livelihoods Mission (NRLM) replacing the earlier scheme (SGSY) is likely to launch for implementation in the State very soon. This NLRM (AAJEEVIKA) is a part of Financial Inclusion initiatives. So far as per the guidelines the State has set up “HPSRLM” society (an independent institution stand registered under Society Registration Act) and a separate office has also made functional in the Directorate of Rural Development Department. I request my colleague from Rural Development Department to discuss the various initial issues with Bankers in today’s meeting to frame out the NRLM scope.

The normal agenda for the meeting (item wise) as follows, taken up by Sh. U. C. Sharma, Deputy General Manger, UCO Bank (Convenor Bank) for deliberation in the House.

AGENDA ITEMNO.1 Confirmation of Minutes of the last 125th meeting held on 27.9.2012 The Convenor Bank informed that the minutes of the 125th meeting of State level Bankers’ Committee, Himachal Pradesh held on 27.9.2012 were circulated vide letter GM/SLBC/2012-13/2473 Dated 13.10.2012 to the members. Since no adverse comments received from any quarter the House has confirmed the minutes as circulated.

AGENDA ITEMNO.2

Action taken report on the action points emerged during the 125th HP SLBC meeting held on 27.9.2012

Action Action Point Emerged Action To Point Be Taken Action Taken up to Date No. By 1 NABARD and Deptt. Of The representative from Directorate of Women and Child Social Justice to form Director Dev. informed that work relating to formation of SHG in Federation of SHGs in Women & the remaining 11 blocks is expected to be completed the State. The Sub Child Dev. within the current financial year ending March, 2013. Committee formed for + the purpose to report progress to SLBC. 2 Implementation of EBT Convener- The Convenor Bank informed the redistribution of Gram for distribution of SLBC/all Panchayats allocated in the pilot district of Bilaspur for Social Security Pension Participati implementation of BC model in connection with by banks in Pilot ng Banks/ distribution of social security pension through Aadhaar District Bilaspur Director Enabled Payment system. The revised distribution of 151 through BC model and SC, OBC GPs in Bilaspur is as under: selection of more & schemes under 32 Minorities UCO Bank (42) CBI (1) SBOP (30) Centrally sponsored BOI (2) PNB (38) HGB (6) schemes of Govt. of BOB (3) OBC (1) Total = 151 India. Canara Bk (1) SBI (27)

It is informed by UCO Bank that 42 Customer Service providers has engaged one in each allocated GP to start with enrolment of households to take off the Aadhaar Enabled Payment system. The Convenor Bank requested the other participating banks to initiate necessary action for engagement of BCs in the allocated GPs which is delayed on account of non-finalization of common BC under cluster approach.

The DGM PNB informed that the process for finalization of Common TSP for the State has not materialized as yet since some issues could not be settled with M/s Vakrangee Finserve Ltd. and Bank has now decided to arrange alternate TSP to avoid further delay in engagement of BCAs under Financial Inclusion work. Finally the PNB has entered an agreement with CSE e- governance Pvt. Ltd. on 6th December, 2012 for the State of Himachal Pradesh. The local company already supervising the Lok Mitra Kendras in the State and having a well established grass root level outlets to take up the cash transactions on behalf of the banks. Other formalities for setting up of TSP arrangement are likely to be completed within a fortnight.

During discussions, the Director, Deptt of SC, OBC & Minorities raised an issue with regard to distribution of lead districts under EBT scheme between UCO Bank and PNB for stabilization of BC model in line with model introduced by SBI in UNA district. He informed that under that arrangement, two designated banks (i.e. PNB & UCO bank) have not done anything concrete to implement the EBT scheme for disbursement of Social Security pension and position may be re-looked since the Department has offers from AXIS and ICICI Banks to implement the Scheme in all the remaining districts. The House has been informed that the work allocated to M/s Bartronics India Ltd. ( TSP) by both the designated banks could not materialized since the TSP has its own organizational problem as such Banks have terminated the work order on non performance. But this work under EBT is likely to be taken up by the new TSPs- Lok Mitra Kendras by PNB and HCL by UCO Bank. The Chief Secretary advised the Directorate to hold a separate meeting of both the banks and discuss the issue in the present scenario where Govt. of India is intended to stabilize Direct Cash Transfer through Aadhaar and relevance of roadmap prepared by banks under RBI guidelines and take a comprehensive action in this regard. The final decision arrived will be reviewed in the next SLBC meeting. 3 Progress under Convenor The House shown its concern about the performance of Financial Inclusion Plan Bank/All BCAs particularly for carrying out Financial for providing banking Banks transactions in the field as well as extension services services to 48 having FI expected from them in line with the objective laid identified villages villages/ down by Ministry of Finance. The Principal Secretary having population 2000 Deptt of Finance to the Govt. of H.P. urged the Banks to submit plus in the State of UD related data on the performance of BCAs as well as Himachal Pradesh. establishment of USBs by Banks in 44 BC locations in villages having population 2000+. The Convenor Bank on an inquiry raised by Director, Urban Development informed that all wards in Urban areas has been distributed among the bank branches under Urban Financial Inclusion guidelines issued by the MOF. The bank branches in the Urban area have to ensure implementation of all Financial Inclusion efforts like the work entrusted in Service Area Villages. As such it is important that all Urban Local Bodies should coordinate with bank branches in the Urban locations in the State.

The Principal Secretary Finance urged the Banks to closely supervise the works of BCAs in terms of Agreement entered with them particularly visit of BCAs and trustworthiness with common people. The villagers must be made aware in advance about the scheme, services available through the BCAs and predetermined time schedule of visit of bank officials/ BCAs etc. All the member banks are requested to ensure compliance on the points raised by the Principal Secretary Finance.

4 Holding of sub Convneor The position of low CD Ratio in eight districts of the State committee meetings of Bank/LDM has been deliberated in length. The Convenor Bank DCC constituted for Hamirpur/ informed that the District-wise analysis of CD Ratio Banks the purpose of reveals that the position of CD Ratio of the lead banks is improvement in CD not so good in the respective districts in comparison with Ratio above 40% other banks as well as CD Ratio arrived at the State level. minimum level Accordingly it has decided to arrive at a action plan to prescribed by RBI and take up the matter directly with the Controlling Heads preparation of special of Banks requesting to give seriousness on improvement plan thereof. of CD Ratio individually to support the improvement of CD Ratio at the district level.

The second action point emerged where LDM Hamirpur has been instructed to carry out a detailed study in District HAMIRPUR (having lowest CD ratio) to ascertain reasons for low credit off take in the district. LDM to analyze the possible reasons for less demand of bank loans. The LDM has to complete the study and give a presentation in the next SLBC meeting. Thereafter this exercise will be undertaken by the LDMs in other Districts having low CD ratio in rotation in the subsequent SLBC meetings. The CGM NABARD suggested the Banks to increase their ACP targets in tune with PLP prepared by NABARD for the next financial year (2013-14) ensuring to increase the CD Ratio atleast with 3% annual growth. 5 Joint campaign for All banks/ The Convenor Bank informed the House that during the achievement of 100% LDMs/ All period under review significant improvement has been Credit inclusion-by nodal noticed in issuance of KCCs/GCCs etc., as a result the banks in the State with Departme coverage of household through revolving credit have a provision to provide nts. increased by 8.68% from 78.54% in June, 2012 to revolving type of credit 87.22% as of September, 2012 witnessing fresh credit to all rural targeted provided to 91245 households during September, 2012 households. which signify a good improvement. The Convenor Bank further request the LDMs and Banks to further intensify the campaign for achieving 100% Credit Inclusion in the State.

6 RBI roadmap for All LDMs The Convenor Bank informed the House about the unbanked villages finalization and approval of roadmap prepared for 20016 having population below unbanked villages with population below 2000 in the State 2000 covering a period in accordance with the guidelines received from RBI. of 3 years. Under this roadmap, unbanked villages are allocated among Banks for opening of new bank branches (Brick and Mortar/USB) as well as engagement of BCAs for time bound coverage of all identified villages in a time bound manner specified in the roadmap.

The LDMs are requested to ensure about sending the details of allocated villages to all Controlling Heads of Banks in a Excel file (Soft Copy) for taking necessary action at their end, LDMs to submit quarterly progress report in the prescribed format as advised by RBI in their circular dated 19.6.2012. LDMs are further requested to upload the roadmap in the District web site maintained by NIC. 7. Implementation of ALL The detailed discussions held on the subject in the Special Direct Cash Transfer BANKS/ SLBC meeting held on 29.11.2012 at Shimla. The matter is Schemes of GOI. LDMs – further deliberated in the 126th SLBC meeting informing Bilaspur the House about the preparedness for implementation of Hamirpur Direct Cash Transfer of subsidies in the beneficiary’s Mandi & account of various welfare schemes in four selected pilot Una/ districts namely Bilaspur, Hamirpur, Mandi and Una w.e.f. Nodal 1.1.2013. The House also reviewed the preparedness so Deptts. far achieved by banks and ensure to provide all support for smooth operationalization of the scheme. Three important areas has been identified as under:  Bank branch to ensure having a bank account of each household (Head of the family) in their allocated villages.  Seed the Aadhaar number in the bank accounts of all existing and new customers.  State Govt. Nodal Departments to provide the list of selected beneficiaries alongwith Aadhaar details in advance to concerned Bank branch.

AGENDA ITEMNO.3

Review of Financial Inclusion initiatives:

3.1 Roadmap – Provision of Banking Services in villages with population below 2000 in the State of Himachal Pradesh.

The Convenor Bank informed the final position of the roadmap prepared in the State for 20016 unbanked villages to be covered in a phased manner as under:

S. No Particulars March, 2013 March, 2014 March, 2015 1 Villages covered by 2959 6204 10691 BC 2 Opening of New Branch 76 54 32 TOTAL(20016) 3035 6258 10723

The Convenor Bank informed that unbanked villages identified in the roadmap has been allocated amongst Public Sector Banks (PSBs) and Regional Rural Banks (RRBs) in accordance with the directives received from RBI, Central office, Mumbai vide letter dated 19.6.2012. The Convenor Bank vide letter dated 22.10.2012 has already obtained a clarification from RBI, Shimla about the decision not to allocate villages amongst Cooperative Banks in the State. Accordingly the villages allocated to Cooperative Banks have again re-distributed to other banks and a revised roadmap has been prepared. Further RBI vide communication dated 25.9.2012 has clarified that this roadmap will cover all previous roadmaps prepared for population criteria 1600-2000 or 1000-2000.

Deliberating on the issue the Managing Director, Kangra Central Cooperative Bank (KCCB) requested the House to reconsider the decision by RBI and include the Cooperative Banks in line with other banks to better serve the people and having good network of CBS branches in the State. The request of KCCB supported by the entire House from Govt. side as well as from Bankers side also and it has decided that the matter should again suitably be taken up with Central Office of RBI by Finance Department, Govt. of HP, NABARD and Convenor Bank. The Chief Secretary, Govt. of HP requested the representative of RBI to convey the feeling of House to their Central Office considering it as a special case to allow Cooperative Banks in the State having good presence in the rural areas, for inclusion in the roadmap for the purpose of financial Inclusion initiatives..

The CGM NABARD informed that Banks should encash the financial provisions available under FIF for organizing Awareness Camps for Financial Literacy. NABARD also proposed to set up FLCC by RRBs in each district and also proposed setting up of FLCCs by Cooperative Banks in each block of the State. Banks may send their plan to NABARD for Financial support in this regard.

(ACTION: Finance Deptt., RBI, NABARD, Convenor Bank and other Banks)

3.2 Direct Cash Transfer initiatives of Government of India.

The Issue already covered under ATR. The LDMs of Priority districts viz Bilaspur, Hamirpur, Mandi & Una are requested to hold weekly review meeting on each Monday with Banks and line departments alongwith Deputy Commissioners and obtain scheme wise list of beneficiaries with details of Aadhaar number and bank account numbers selected by the respective State Govt. Departments for direct payment of benefits under the identified Schemes for implementation under Direct Cash Transfer Scheme proposed for launching w.e.f. 01.01.2013. The list of beneficiaries is being made available to the members banks in the districts for further necessary action to make Aadhaar enabled bank account of the beneficiaries. Since the payments is linked with Aadhaar numbers it is most important for the branch to seed the Aadhaar numbers in the bank accounts of beneficiaries well in time to avoid any constraints at the time of launching of the scheme. LDMs are also requested to adhere the action points suggested by MOF in the State level workshop held on 5.12.2012 at New Delhi. (ACTION: All LDMs) 3.3 Mapping of Clearing House facility of banks in the State of Himachal Pradesh:

The Convenor Bank apprised the House about the guidelines received from Ministry of Finance, DFS, GOI for establishment of clearing house facility in all locations having more than 3 bank branches in 84 centers identified in the State and informed that a communication from RBI Chandigarh received, informing the possibility of either to re- arrange the bank branches with existing nearby branches having Clearing Houses or roll out a few identified centers under CTS Grid plan in a phased manner. The representative of RBI informed that Banks having submitted the proposal for setting of clearing house in the allocated centers should submit distance of the nearby existing clearing house to their Regional Office, Chandigarh containing a consolidated status to take a decision in this regard. The Chief Secretary expressed his view to cover more bank branches under the CTS grid plan rather than to go for old system for establishment of Clearing Houses in the proposed centers and avoid duplicity of work which will help for quick disposal of outstation cheques. The Convenor Bank requested the RBI representative to coordinate the issue for collection of additional information /data required from Banks for onward submission to RBI, Chandigarh. (ACTION: Convenor Bank/RBI)

3.4 On-line access of Land Records to Banks and other Financial Institutions in the State of Himachal Pradesh.

The Convenor Bank has informed that land records are available On-line in the web site of Revenue Department, Govt. of Himachal Pradesh under “Himbhoomi” link by inputting various land records details which can be access by all without using any password. The Additional Chief Secretary, Revenue informed that land records information is updated in “Himbhoomi” almost on real time basis and the necessary direction has already been issued to Tehsildars for regular updation. However, if Bankers have any suggestions for its improvement, they are welcome to submit the same for the consideration of the Revenue Department on merits. In case of any problem to view the online land record, it may be brought to the notice of the Department. The Addl. Chief Secretary, Revenue informed that facility for entering Equitable Mortgage in the record of Revenue, effective since 2004, stands withdrawn w.e.f. 1.1.2013 and Government will not allow any Bank including Cooperative Banks for registering of Equitable Mortgage thereof. Henceforth every mortgage should be Registered Mortgage. It is further informed that State Govt. has reduced the registration fee considerably on Registered Mortgage in the State of Himachal Pradesh.

Banks/LDMs are advised to submit their views/points in connection with difficulties being faced to view ‘On-line’ land records to the convenor Bank for onward submission of consolidated report to Revenue Department. The Controlling Heads of Banks are requested to issue suitable instructions to all branches in their jurisdiction for entering of all pending equitable mortgage well before 31.12.2012.

(ACTION: ALL BANKS/Land Record/Revenue Deptt. /NABARD)

3.5 Installation and Managed Services of Cash Dispensers (CDs) in the State of Himachal Pradesh.

The Principal Secretary Finance, Govt. of Himachal Pradesh emphasized the need to install atleast one ATM in a location where bank branches are dealing in Treasury business so that beneficiaries withdrawing cash from the banks may have the additional facility to withdraw the payments at their convenience. The list of treasury Business branches requiring installation of ATMs as received from State Government is given below for compliance of the decision of SLBC by the concerned banks to install ATMs on priority.

LDMs are requested to take up the matter with Bank branches dealing with Govt. Business work in their respective districts and review the progress for installation of ATMs in DLRC meeting and also submit the proposed roadmap for covering of all locations to Convenor Bank for review in SLBC meeting. (ACTION: ALL BANKS) LIST OF CENTRES HAVING STATE TREASURY BUSINESS WITH BANKS IN HP District S.No. Stationery/Tr Banks dealing with Govt. Business to be filled by easury LDMs Shimla 1 Junga 2 Tikkar 3 Kupvi 4 Chirgaon 5 Chopal 6 Nerwa 7 Nankheri 8 Dodra-Kwar Mandi 1 Thunag 2 Chachiot 3 Aut 4 Lad Bharol 5 Bali-Chowki 6 Baldwara 7 Kotli 8 Nihri 9 Dharmpur Kangra 1 Khundian 2 Baroh 3 Dheera 4 Fatehapur 5 Rakkar 6 Kasba Kotla Una 1 Haroli 2 Bangana Bilaspur 1 Swarghat 2 Jhanduta Sirmour 1 Shillai 2 Sangrah 3 Kamrau 4 Nohra Dhar 5 Dadahu Chamba 1 Salooni 2 Sihunta 3 Holi 4 Bhalai 5 Pangi L & Spiti 1 Udaypur 2 Keylong Kinnaur 1 Pooh 2 Nichar 3 Sangla 4 Moorang Hamirpur 1 Bhoranj Solan 1 Kandaghat 2 Ramshahr 3 Krishangarh Kullu 1 Banjar 2 Ani 3 Nirmand

3.6 Important decision emerged during the meeting of Hon’ble Finance Minister Govt. of India with Hon’ble Chief Ministers of Northern States on 16.11.2012. The Convenor Bank read out the important follow-up action points emerged in the above meeting requesting the member banks to focus their preferred attention. It is agreed that installation of ATMs in Treasury Business branches in the State should be completed by 31.3.2013 instead of 31.12.2012 as proposed earlier. Banks are also requested not to await the selection of common BC and made alternate arrangements for successful implementation of Direct Cash Transfer initiatives proposed to launch w.e.f. 1.1.12013. (ACTION: ALL BANKS)

3.7 Financial Inclusion Plan Disaggregation of Targets:.

The Convenor Bank informed the House on the directives of RBI for disaggregation of Financial Targets from Banks Head Office level to Branch level intended to review the progress by the Top management as well by the Board Of directors of banks. As per the directives of RBI, member banks are requested to submit the Bankwise targets viz.a.viz achievements in the prescribed format to RBI, Shimla on monthly basis. The CGM NABARD informed that matter regarding the flow of credit to Agriculture/ Horticulture sector also came up for discussion in FM’s meeting held at New Delhi on 16.11.2012 wherein it has urged to Banks the need to work out a separate scale of finance for the Vegetable crops grown in the poly houses which are highly capital intensive as compared to traditional method. The LDMs are requested to take up the matter in the District Level Technical Committee for fixation of separate scale of finance for Poly Houses based crops. (ACTION: ALL BANKS/LDMs)

3.8 Campaign Drive for opening an account of migrant labour/Street Vendors/Hawkers.

The Convenor Bank informed that work related to Urban Financial Inclusion in the State has completed in terms of allocation of various Wards in the Urban area among bank branches to ensure Financial Inclusion initiatives as directed by the Ministry Of Finance / RBI. Banks have now started opening of Bank account for Street Vendors/Hawkers/Migrant Labour and also creating financial awareness on new initiatives under the Direct Cash Transfer scheme and other financial inclusion initiatives.

The Director, Urban Development informed that all the Street vendors and hawkers are registered with local bodies and State Industries Department had issued a directions to all Deputy Commissioners to regularly monitor the progress under various welfare schemes including SJSRY. The Director, UD further emphasized the role of FLCCs are more important to create awareness amongst Urban BPL families on the financial Inclusion initiatives.

Banks in order to intensify the efforts for opening of bank account of Street Vendors are requested to obtain the list from ULBs. The LDMs are requested to be in touch with ULBs for extending FLCC services on request basis.

(ACTION: ALL Banks/LDMs/UDD)

AGENDA ITEMNO.4

Review of Performance under Annual Credit Plan (2012-13)- Position at a glance as of September, 2012 in the State of Himachal Pradesh.

A Power point presentation displaying the performance under ACP 2012-13 up to half year ended September, 2012 has been highlighted in the meeting as under:

ANNUAL CREDIT PLAN 2012-13 ACHIEVEMENT AS OF SEPT, 2012 – AT A GLANCE (Amount in Crores) Bank Groups Agriculture Sector MSME Other Priority Sector Tgt Ach % Tgt Ach % Tgt Ach % Sept,12 Sept,12 Ach Sept,12 Sept,12 Ach Sept,12 Sept,12 Ach 1 PSBs Banks 990.37 905.09 91% 834.91 810.20 97% 666.83 559.72 84% 2 RRBs 118.23 110.60 93% 56.59 77.57 137% 61.73 28.59 46% 3 Coop. Bank 362.82 363.33 100% 221.69 190.65 86% 268.49 194.01 72% 4 Pvt. Banks 37.71 34.36 91% 43.68 60.75 139% 34.72 16.29 47% 5 Total State 1509.13 1413.38 94% 1156.87 1139.17 98% 1031.77 798.91 77% %age to 31.61% 25.48% 17.87% total disb.

(Amount in Crores) Bank Groups Total Priority Sector Non Priority Sector ALL SECTORS Tgt Ach % Tgt Ach % Tgt Ach % Sept,12 Sept,12 Ach Sept,12 Sept,12 Ach Sept,12 Sept,12 Ach 1 PSBs .Banks 2492.11 2275.01 91% 479.32 492.68 102% 2971.73 2267.69 93% 2 RRBs 236.55 216.76 91% 36.45 41.11 112% 273.00 257.87 94% 3 Coop. Bank 853.00 747.99 87% 151.08 469.32 310% 1004.08 1217.31 121% 4 Pvt. Banks 116.11 111.40 96% 28.98 117.60 405% 145.09 229.00 158% 5 Total State 3697.77 3351.16 90% 695.83 1120.71 161% 4393.60 4471.87 102% %age to (74.96%) 25.04% 100% total disb.

The Convenor Bank informed that though the financial targets under the ACP 2012-13 stipulated up to half year ended September, 2012 has been surpassed but there is shortfall in achievement in the targets under some of the sub sectors. Under Agriculture sector and Other Priority Sector thee was shortfall in achievement of targets by 6% and 23% respectively. The highest achievement noticed in Non Priority Sector Advances having registered an achievement of 161% over the stipulated target up to September, 2012. Under agriculture sector performance of Co-operative Banks recorded highest as 100%, followed by Regional Rural Banks (93%), Public Sector banks (91%) and Pvt. Sector Banks (91%). There is a huge gap in the performance of RRBs under Other priority sector recorded only 46% achievement upto September, 2012.

Banks are requested to chase the targets for the current quarter i. e Dec.2012 and meet the shortfall witnessed in the previous quarter. NABARD Shimla has worked out a new scheme for Apple Plantation in the apple growing areas and proposed to hold a meeting on 27.12.2012 to launch the project in the State.

(ACTION: ALL Banks)

AGENDA ITEMNO.5 Review of Banking Statistical Data on the operation of Banks and position of National Parameters as on Sept, 2012 in the State of Himachal Pradesh.

A Power point presentation on the position of National Parameters achieved by Banks as on September,2012 in the State displayed in the House as under:

POSITION OF NATIONAL PARAMETERS AS OF SEPT, 2012 IN HIMACHAL PRADESH

Sr Sector %age of %age of %age of National No. advances as advances as on advances as on Parameter on 30.9.2010 30.9.2011 30.9.2012 1 Priority sector 64.04% 60.04% 71.76% 40% advances Agriculture 19.66% 18.05% 22.37% 18% 2. advances Advances to 3 weaker sections 17.73% 17.40% 20.71% 10%

DRI Advances 4 to total advs. of 0.03% 0.07% 0.05% 1% previous year Advances to 5 4.41% 5.49% 8.50% 5% women

6 C.D. Ratio 70.34% 67.54% 69.29% 60%

The Convenor Bank informed that out of six national parameters, five are surpassed by the banks. But position of DRI advances is far from the achievement and needs the focused attention. The Principal Secretary, Finance, Govt. of HP requested the Banks to install more ATMs in line with existing branch network in the State. The member banks informed that work relating to installation of ATMs has been awarded to a common Vendor in the State and all Banks are dependant on their performance. (ACTION: ALL BANKS)

AGENDA ITEMNO.6

Review of Performance under Govt. sponsored programmes The progress under various Centrally Sponsored Schemes was displayed through Power Point presentation as under:

PMEGP Agency No. of Projects MM (Amt in lacs) Employment KVIC Tgt 2012-13 189 434.94 1512 Ach. Nov,12 123 234.92 737 KVIB Tgt 2012-13 189 434.94 1512 Ach. Nov,12 96 150.47 545 DIC Tgt 2012-13 252 579.92 2016 Ach. Nov,12 170 149.14 469

Representative from KVIB informed that Micro Units financed under the scheme are facing problem for not having adequate marketing arrangements/ outlets to sell their products. He further informed that there are few instances of misutilisation of subsidy/ margin money in loan cases sanctioned by the banks under the scheme, noticed by KVIB and despite several reminders from the KVIB to the concerned Banks, the margin money amount not refunded back. These points to be taken care of by the Banks.

SGSY

S.No Particulars SGSY (Indv) SGSY (SHG) Total 1 Credit Mobilization tgts Not recd. For 2012-13 2 No. of Swarojgaris assisted 2522 459 2093 3 Credit Disbursed 1052.32 265.37 786.95 4 Subsidy disbursed 200.10 42.67 157.43 5 Categorywise beneficiaries 2552 459 2093 6 SC 998 185 813 7 ST 262 49 213 8 Minority 61 18 43 9 Women 1491 170 1321 10 Disable 25 7 18

SJSRY Position as of Sept, 2012 A/c Amt. in Lacs Annual Tgt (2012-13) under USEP 7 - Cases Sponsored 38 - Cases sanctioned 38 29.13 Cases disbursed 26 22.13

The Director Urban Development informed that targets under SJSRY for the current financial year (2012-13) have been received from the Ministry as under:

Urban Self Employment Programme (USEP) - 519 Urban Women Self Help Programme (UWSP) - 1171

The position with regard to targets under SJSRY for the implementing year 2012-13 Stand corrected. The convenor bank requested the Urban Development Department to give Urban Local Bodies wise targets for further allocation of the same among Banks by the LDMs. The Director Urban Development also urged for support from FLCCs operating in the State for creating financial awareness among the urban SHGs in the State and requested that FLCC representative should also attend the District Level Monitoring Committee for the purpose headed by respective DCs for proactive participation.

ISHUP The Convenor Bank informed the decision of Ministry of Housing & Urban Poverty Alleviation for extension of interest subsidy scheme for Interest Subsidy Scheme for Housing the Urban Poor (ISHUP) for the financial year 2012-13 as per guidelines issued to implementing agencies earlier. Accordingly Public Sector Banks, Pvt. Sector Banks and scheduled RRBs have to note that Housing loans sanctioned and disbursed during FY 2012-13 to the EWS/LIG Borrowers as per the earlier guidelines are eligible for interest subsidy under the scheme. The Director Urban Development Deptt. is requested to communicate all the Urban Local Bodies in the State to identify the eligible borrowers and sent their loan proposals to various banks for the extended period up to March, 2013. Regarding financial support to slum dwellers it has been decided that a separate meeting to be called by the Convenor bank with banks and Urban Dev.Deptt. to exploring the possibilities for assisting the beneficiaries in meeting the cost of dwelling over and above the stipulated unit cost through Bank under the General housing finance scheme. (ACTION: ALL BANKS/UDD)

DOODH GANGA – DAIRY PROJECT:

The Convenor Bank informed that during the period under review 932 number of loan proposals were received by Banks out of which 794 loans amounting to Rs. 10.35 Crores has been sanctioned and 762 loans amounting to Rs. 9.76 Crores were disbursed. The CM, NABARD informed that during the current year proposals under the scheme worth Rs. 9.06 Crores has already been approved against the current year subsidy target of Rs.9.05 Crores and Member banks may please note that GOI has closed the scheme by 30.6.2012. (ACTION: ALL BANKS/ ALL LDMS/ NODAL DEPTTS)

AGENDA ITEMNO.7

Review of Recovery Performance of Banks in Himachal Pradesh.

Sh. U.C. Sharma, DGM, UCO Bank read out recovery performance statistics of banks indicating 81% recovery over demand calculated as of Sept, 2012 and has shown concern about deteriorating recovery performance under Govt. sponsored programmes worked out at 67% over demand specially under PMEGP (56%) SJSRY (72%) and SLRS (46%). He further informed that during the period under review only 27 Certificate cases has been settled and there are about 2922 cases are lying pending with various SDMs in the State as of, Sept. 2012. The House shown concern for rise in NPAs of Banks from 5.43% in June, 2012 to 6.95% in September, 2012 due to upsurge in Non Performing Assets of the Banks in the State. (ACTION: CONTROLLING HEADS OF MEMBER BANKS.)

AGENDA ITEMNO.8

8.1 Review of Progress under Non-sponsored Programmes Shri U.C. Sharma, DGM, UCO Bank apprised the House about the progress achieved by Banks under various Non sponsored programmes during the period under review. The progress at a glance is as under: Amount in Crores SNo Scheme Ach. During Sept, Cumulative position at 2012 quarter the end of Sept, 2012 No. Amount No. Amount 1 Kisan Credit Cards 16075 178.91 491756 2334.08 2 Micro Finance (SHG) 553 5.28 63862 196.12 3 All type of Credit Cards 1296 4.17 49419 75.16 (GCC/SCC/ACC) 4 Joint Liability Group(JLGs) 29 0.46 674 6.79 5 Basic SB Deposit Accounts21109 3.22 722633 193.84 6 Migrate Labour a/cs opened 268 0.06 821 0.33 7 Street Vendor a/cs opened 140 0.01 765 0.40 8 Housing Loan disbursed 4024 172.64 847.51 3885.47 9 Education Loan disbursed 1308 20.17 18827 406.54 10 Weaver Credit Card 108 0.58 108 0.58

8.2 FLCCs The Convenor Bank informed that all the 12 FLCCs in the State established by Banks have geared up the work and numbers of persons availing the services of FLCCs are increasing. The House desired that FLCCs should increase the outdoor activities in the field to intensify the aware campaign and fiancé literacy including seeding of Aadhaar numbers at the grassroots level.

(ACTION: SPONSORED BANKS/CONVENOR BANK)

8.3 Functioning of Rural Self Employment Training Institute (RSETIs) in the State of Himachal Pradesh.

The Convenor Bank informed that 9676 number of youths has been trained by the 10 RSETIs functioning in the State up to September, 2012 out of which 2819 belongs to BPL families. PNB has finalized the construction agency i. e. BSNL for construction of RSETI buildings in six lead districts and UCO Bank has intended to utilize the services of State Public Works Deptt. for construction of RSETI building at Shimla, Solan and Bilaspur. The Principal Secretary, Rural Development Department informed that there is a massive delay on the part of Banks to start with construction work of RSETIs building. The House suggested to utilizing the services of BSNL/CPWD having a good track record to expedite the construction work of RSETIs. PNB/SBI and UCO Bank is requested to submit the stage wise progress in construction work of RSETIs in their allocated districts for regular review of progress by the Rural Development Department. In addition RSETI should also explore the possibility to cover Urban BPL candidates for providing trainings as requested by Urban Development Deptt. (ACTION: CONVENOR BANK/)

8.4 Launching of National Rural Livelihoods Mission – in the State of HP The Convenor Bank informed the directives received from MORD regarding launching of NRLM and constitution of a separate sub-committee for SHG bank linkage to hold monthly meeting thereof. The CGM NABARD has suggested including representative from RBI, NABARD, Deptt. of RDD/SJ&E/UDD alongwith 2-3 major banks including Cooperative Bank in the sub-committee. The Principal Secretary RDD has suggested that matter will be discussed with Directorate of RDD and necessary notification will be issued very soon in this regard. (ACTION: Deptt. of RDD)

8.5. Implementation of Revival, Reform and Restructuring Package for Handloom Sector and issuance of Weaver Credit Cards.

The CGM NABARD informed that a State level Committee under the Chairmanship of Additional Chief Secretary, Cooperation hold its meeting to finalize the loan waiver package for the weaver coop. societies as well as individual weavers. In fact the amount claimed so far under the scheme is less than the budgeted amount proposed in the financial package for the State of Himachal Pradesh. The member banks are requested to lodge all the pending claims with them pertains to individual weavers well before the final cut off date fixed as 31.12.2012 by the GOI. (ACTION: ALL BANK/)

ANY OTHER ISSUE: The Principal Secretary Rural Development Department of Govt. of H.P. has raised a point showing concern about the delays in sanction of DRI cases sponsored by DRDA. The Bankers urged the Department of Rural Development to provide list of pendency to all Controlling Heads of Banks for their perusal. It has further decided to clear all pendency under DRI loan cases by 31st January, 2013 and the matter will be reviewed Bank-wise in the next SLBC meeting. The Representative from AIC of India highlighted the NAIS notification for Wheat and Barley as well as WBCIL notification for Apple and Mango and requested the member banks to cover all loanee farmers within the cut off dates. The Bankers urged the Insurance Co. to attend DLCCs/BLBCs meeting for marketing their schemes. (ACTION: ALL BANKS/AIC)

The meeting ended with a vote of thanks 126 th STATE LEVEL BANKERS COMMITTEE MEETING OF HIMACHAL PRADESH HELD ON 18 th DECEMBER, 2012 AT REGENCY HALL HOTEL HOLIDAY HOME SHIMLA. List of Participants

I. Chief Guest Sh. Sudripta Roy, IAS Chief Secretary to the Govt. of HP

II. Chairman Sh. B. Venkat Ramana General Manager & Convenor, UCO Bank

III Government of Himachal Pradesh & Related Agencies:

1 Sh. Deepak Sanan Addl.Chief Secretary Revenue, Govt. of HP Dr. Shrikant Baldi Principal Secretary Finance, Govt. of HP 2 Sh. S.K.B.S.Negi Pr. Secretary ( RD &PR), Govt. of HP 3 Sh. K.S.Chandel Secretary, (Law), Govt. of HP 4 Dr.Purnima Chauhan Director UD/TCP. Govt. of HP 5 Sh. Abhishek Jain Director, SCOBC & MA, Govt. of HP 6 Sh. R.R.Patyal Dy.Director Industries, Govt. of Hp 7 Sh. Rakesh Sharma Addl.Director PSCA, Govt. of HP 8 Sh. J.C.Rana Director Agriculture, Govt. of HP 9 Sh. I.D.Gupta Jt. Director Horticulture, Govt. of HP 10 Mrs. Soma Chauhan Dy.Director, Dte. of Women & Child Dev, Govt. of HP 11 Sh. K.S.Dhaulta Joint Registrar Coop. Deptt. Govt.of HP 12 Sh.Nagendra Kumar Nodal officer, KVIC, Shimla 13 Sh. Sanjeev Justa Nodal officer, KVIB, Shimla 14 Sh.Chetan Sharma Sr.Manager, HPSIDC, Shimla 15 Dr.V.B.Negi Asst.Director, Animal Husbandry, Govt. of HP 16 Er. Deep Pathak State Project Coordination, Urban Development 17 Sh.Ravinder Sharma Dy. Director cum Project Officer, DRDA, Una. 18 Sh. Anil Somwal Dy. Director, O/O DC Una. . IV RESERVE BANK OF INDIA, NABARD, NHB,SIDBI SARVASHRI: 1 Sh.Naresh Gupta CGM, NABARD, RO, SHIMLA. Sh. Dinesh Raina AGM, NABARD 3 Sh.Ramesh Chand AGM. RBI, Shimla. 4 Sh. Gurdial Singh AGM, RBI, SHIMLA 5 Sh. Nikhil Aggarwal Asst.Manager, SIDBI, Shimla.

V LEAD DISTRICT MANAGERS : SARVASHRI 1 Kartar Singh LDM- Shimla 2 K.C.Sharma LDM Bilaspur 3 T.S.Thakur LDM-Solan 4 RakeshVerma LDM-Sirmaur 5 R.S.Rohil LDM - Kangra 6 P.K.Walia LDM – Kullu 7 NK Arora LDM-Mandi 8 B.S.Saini LDM-Una 9 P.K.Agarwal LDM-Hamirpur 10 N.R.Sharma LDM-Chamba

VI COMMERCIAL BANKS: SARVASHRI 1 Gurnam Singh General Manager, SBOP. Chandigarh 2 U.C.Sharma Dy.General Manager, UCO Bank, Shimla. 3 V.K.Goyal Dy. General Manager, PNB, CO, Shimla 4 S.K.Kapoor Business Had, SBI, LHO, Chandigarh. 5 B.Akbaraly Dy.General Manager, CBI. 6 B.B.Mittal DGM, UBI, Chandigarh. 7 Rakesh Gandotra Zonal Head, J&K Bank, Chandigarh. 8 Manjeet Singh Asst.General Manager, SBOP 9 R.Kant Chief Manager, Allahabad Bank, Shimla 10 Sham Sher Chand AGM, Indian Bank, Chandigarh. 11 S.S.Kharbanda, Chief Manager, P&S Bank, Shimla 12 Surjit Singh Chief Manager, Bank of Baroda, Shimla 13 R.S.Chauhan Chief Manager, Bank of India, Shimla 14 Niranjan M.Akhani Chief Manager, Corp. Bank, Shimla 15 Rakesh Jassal Chief Manager, OBC, Shimla 16 Anjali Asst.Manager, Allahabad Bank, Shimla 17 B.S.Mokta Manager, IOB, Shimla 18 S.K.Sharma Chief Manager, Circle Office, UCO Bank, Chandigarh 19 M.J.Amla Senior Manager, SLBC, UCO Bank,ZO, Shimla 20 O.P.Panta Senior Manager, P&D, UCO Bank, ZO, Shimla 21 Deepak Sharma Manager, UCO Bank, Solan 22 Jasbir S Rajput Officer, SLBC, UCO Bank, ZO, Shimla 23 Devinder Kalsi Officer, ZITC, UCO Bank, ZO, Shimla 24 Gurdeep Officer, OL, UCO Bank, ZO, Shimla

VII COOPERATIVE & REGIONAL RURAL BANKS: SARVASHRI 1 Sandeep Kumar MD, KCCB, Dharmshala 2 S.S.Negi GM, HP State Coop. Bank, Shimla Jyoti Khimta Sr.Manager, HP State Coop. Bank, Shimla 3 R.S.Thakur Manager, JCCB, Solan 4 N.S.Verma General Manager, HGB, Mandi 5 Sh. H.R.Sharma Chairman, PGB, Chamba 6 Arun Jain General Manager, LDB, Shimla

VIII. PRIVATE BANKS SARVASHRI 1 Kirti Sharma Chief Manager, J&K Bank, Shimla Arun Sapra Branch Manager, ICICI, Shimla 2 Sanjeev Katoch Vice President, Indusind Bank 3 Prashant Goel Branch Manager, HDFC, Shimla

IX. INSURANCE COMPANIES 1 S.K.Gupta Divisional Manager, LIC of India, Shimla 2 Balbir singh Sr.Div. Manager, OICL, Shimla 3 N.K.Sharma Dy.Manager, LIC of India, Shimla 4 Jaspal Singh Assistant Manager, AIC Ltd