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Position of Kisan Credit Cards for the Period Ended

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Position of Kisan Credit Cards for the Period Ended BANKING AT A GLANCE IN GUJARAT STATE --- DECEMBERDECEMBER,, 2012015555 PARAMETERS DEC ., MARCH, DEC ., GROWTH GROWTH 2014 2015 2015 Y-O-Y OVER (DEC., 14 to MARCH DEC., 15) 2015 TOTAL No. OF 8451 8631 8846 395 215 BRANCHES CATEGORY OF BRANCHES RURAL 3592 3685 3673 81 (-)12 SEMI - URBAN 2166 2199 2080 (-)86 (-) 1 19 URBAN 1418 1438 1184 (-)234 (-) 2 54 METRO 1275 1309 1909 634 600 TOTAL 8451 8631 8846 395 215 KEY INDICATORS (Amt. Rs.Crores) DEPOSITS 4,70,837 4,90,208 5,1 8,955 48, 118 28,747 (9.81%) (14.33%) (5.86%) (10.22%) (5.86%) ADVANCES 3,69,283 3,87,703 4, 13, 551 44,268 25 ,848 (7.26%) (12.61%) (6.67%) (11.99%) (6.67%) CREDIT DEPOSIT 78.43 79.09 79.69 1. 26 0.6 0 RATIO PS ADVANCES 1,44,485 1,52,137 1,7 5,767 31,282 23 ,630 (% Growth ) (17.77%) (18.51%) (15.53%) (21.65%) (15.53%) (% to advances) (41.97%) (44.19%) (45.34%) (3.37%) (1.15%) AGRI ADVANCES 52,504 54,288 61 ,605 91 01 7317 (% Growth) (14.11%) (16.37%) (13.48%) (17.33%) (13.48%) (% to advances) (15.25%) (15.77%) (15.89%) (0.64%) (0.12%) MS ME ADVANCES 60,095 64,084 76,731 16,636 12,647 (% Growth) (24.53%) (14.78%) (19.74%) (27.68%) (19.74%) (% to advances) (17.45%) (18.61%) (19.79%) (2.34%) (1.18%) WEAKER SEC.ADV 23,228 24,221 30 ,261 7033 6040 (% Growth) (18.23%) (20.23%) (24.94%) (30.28%) (24.94%) (% to advances) (6.75%) (7.04%) (7.81%) (1.06%) 0.77% Position of Kisan Credit Cards for the period ended Dec ., 201 4 March, 2015 Dec ., 2015 GROWTH Y-O-Y Growth (Dec., 14 to over March, Dec., 15) 2015 Accounts 28, 97,467 28,55,008 29 ,35 ,009 37 ,54 2 80 ,001 Amount 28, 301 26,669 33,9 11 5610 7242 1 AGENDA No.1 Confirmation of the proceedings of last meeting The proceedings of the 147th State Level Bankers’ Committee (SLBC) meeting for the quarter ended September, 2015 held on 21.12.2015 were circulated to all the members on 05.01.2016. Since no comments / amendments have been received from any of the members, the House is requested to confirm the same. AGENDA No.2 FOLLOW-UP ACTION ON DECISIONS TAKEN IN LAST MEETING : 2.1 Procedure for release of subsidy under Tractor Subsidy Scheme of Govt. of Gujarat During the course of discussion on the captioned issue in 147 th SLBC meeting, it was informed by the representative from Agriculture Department, Govt. of Gujarat that the matter has been brought to the knowledge of Secretary, however, Department has some issues before considering the request. Therefore, the Chairman, SLBC advised to take up the issue separately with the department. Accordingly, SLBC vide its letter dtd. 23 rd February, 2016 took up the matter once again with Agriculture & Co-operation Department with a request to incorporate appropriate modifications in the procedure for availing tractor subsidy benefits so that the needy farmers can avail the Bank loans at a cheaper rate of interest and the risk related to non-registration of tractor with RTO could be avoided. Since nothing has been heard in the matter, the representative from the Agirculture & Co- operaton Department, GoG is requested to apprise the House in the matter. 2.2 Requisition of Banks’ staff for election duty While discussing the captioned agenda item in 147 th meeting of SLBC, the Chairman, SLBC advised to again take up the issue with the State Election Commissioner, Gujarat State. Accordingly, SLBC vide its letter dtd. 23 rd February, 2016 communicated to the State Election Commissioner along with the copy of communication dtd. 19.1.2006 received from the Secretary, State Election Commission informed thereby about the amendment made by them in the relevant paragraph of the circular about exemption of the Bank staff from deputation in the election duty, barring extraordinary circumstances. 2 AGENDA No.3 FINANCIAL INCLUSION & OTHER ISSUES : 3.1 Implementation of Financial Inclusion Plan Roadmap – Provision of Banking Services in villages with population below 2000 As per the District-wise Quarterly Progress Report, all the villages have been covered by all banks with Banking Services. Roadmap for opening of brick and mortar branches in villages with population more than 5000 without a bank branch of Scheduled Commercial Banks. RBI vide circular No. FIDD.CO.LBS.BC.No. 82 / 02.01.001 / 2015-16 dated 30 th December, 2015 has advised to prepare a roadmap by identifying villages with population above 5000 without a bank branch of a Scheduled Commercial Bank (SCB) in the State. In view of the above, SLBC in consultation with LDMs has identified 394 such villages with population more than 5000 without a bank branch of a Scheduled Commercial Bank in the State and the same have been allotted among Scheduled Commercial Banks (including Regional Rural Banks) for opening of a brick and mortar branch. District-wise / Bank-wise allotment of the 394 centres for opening of bank branch has been submitted to RBI in prescribed format and attached herewith as Annexure A & B alongwith detailed list of district-wise centres where Bank Branches are to be opened. Member Banks are requested to take necessary steps to open branch at the allotted centres within stipulated period i.e. 31 st March, 2017. Further, Member Banks may also ensure to submit the quarterly progress reports starting from the quarter ending March 2016 for onward submission to RBI. Member Banks are also requested to inform the respective Lead District Managers as and when the Branches are opened in the allotted centres. Further, RBI vide their e-mail dtd. 7 th February, 2016 has advised to monitor the progress of opening of bank branches in such centres through meetings / quarterly progress reports and as such it is important to set quarterly sub-target within the total roadmap target. In view of the RBI instructions, Member Banks are requested to set the districtwise / quarterwise target for opening of brick and mortar branches in the allocated centres accordingly. Lead District Managers are requested to review and monitor the progress of opening of branches in each DCC meetings. 3 3.2 Pradhan Mantri Jan Dhan Yojana (PMJDY) Progress under Opening of Accounts, issuance of RuPay Cards, and Aadhaar Seeding as of 29.02.2016 : Out of Total No. of Accounts opened % of which, total % of number of RuPay Bank Total Aadhaar Aadhaar RuPay Card Rural Urban (Rural+ Seeded Seeding Cards issued Urban) Accounts issued PSBs 31,95,623 33,21,388 65,17,01 25,66,906 39% 55,42,960 85% RRBs 7,20,425 1,08,531 8,28,956 3,07,530 37% 6,95,361 84% Private 89,673 1,61,849 2,51,522 77,841 31% 2,33,966 93% Banks GSCB 515 0 515 0 0 0 0 Total 40,06,236 35,91,768 75,98,004 29,52,277 39% 64,72,287 85% Bankwise details is enclosed as Annexure- C. Although, good mumber of accounts opened under PMJDY in the State and in 85% of the accounts, RuPay cards have been issued, however, activation of RuPay Card is 46% and it needs to be improved upto 80%. Banks also lagged far behind in Aadhaar seeding of the accounts and currently, it is only 39%. Out of the total accounts opened, around 26% accounts are zero balance account. During the 147 th SLBC, Secretary (FS), Deptt. of Financial Services, Ministry of Finance, Govt. of India advised all Banks to give concerted efforts for activation of RuPay card as it would make accounts holders eligible for the accidental insurance of Rs. 1.00 lakh. Further, during the VC organised by DFS, MoF, GoI on 28.01.2016 and 16.02.2016, amongst other, matter of RuPay card activation was also stressed upon. It is important, amongst others, to activate all RuPay cards and spread awareness amongst account holders for usage of RuPay card at least once in every 90 days so as to become eligible to get the benefit of accident insurance. A campaign mode approach may be adopted for the same. It is also important to seed the accounts with Aadhaar numbers as it will enable them to get the financial assistance under various Government schemes directly in their accounts under Direct Benefit Transfer. Director(IF) & Additional Secretary (ex-officio), Finance Deptt.. Govt. of Gujarat vide mail dtd. 26 th February, 2016 informed that on the direction of Department of Financial Services (DFS), Government of India (GoI), Government of Gujarat (GoG) has constituted a ‘Financial Inclusion Committee for Gujarat (FICG)’ for local monitoring and feedback of the financial inclusion activities undertaken by the Central Government and State Government together with the Banks. The committee is headed by Chief secretary, Gujarat State and Secretary (FS), DFS, MoF, GoI and Convenor-SLBC are also Member of the committee. First meeting of the committee is scheduled on 18 th March, 2016. 4 3.3 Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) Progress in enrollment under Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) as of 29.02.2016 : Particulars PMJJBY PMSBY APY Total Total enrollment 19, 10 ,594 45, 87 ,810 1, 21 ,296 66,19 ,7 00 Bankwise progress report on enrollment under Social Security Schemes is given in Annexure- D.
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