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C O N T E N T S Sl No Particulars Page No 1 Banking at a glance in Odisha as on 30th June 2015 1 2 Confirmation of Proceedings of 139th SLBC Meeting 3 3 Action Taken Report on major decisions taken in 139th SLBC Meeting 3 4 NPA & Overdue position as on 30th June 2015 8 5 Fresh Issues 9 6 Branch & ATM Network 14 7 Banking Key Indicators 17 8 Achievement of Annual Credit Plan(ACP) 2015-16 under Priority Sector 19 9 Finance to Agriculture Sector 19 10 Finance to MSME Sector 21 11 RSETI Related Issues 23 12 Finance to Weaver Sector 24 13 Finance to Self Help Groups 25 14 Finance to Handicrafts Sector 26 15 Progress under Govt. Sponsored Programmes 27 16 Finance under Education Loan 29 17 Finance under Housing Loan 29 18 Implementation of Prime Minister’s New- 15 Point Programme 29 19 CGTMSE Scheme 30 20 CERSAI 30 21 Disposal of loan applications under various Govt. schemes 31 22 Conduct of Financial Literacy Camps 31 23 Coir Board Sector 31 24 Service Area Approach 32 LIST OF ANNEXURES Annexures Particulars Page No 1 Bank wise progress under Road Map for providing Banking Services 34-35 2 FIP 2013-16 36-36 3 Finance under DRI Scheme 37-37 4 Bank wise performance under PMJDY 38-39 5 Bank wise District wise BSBDA 40-41 6 DBTL Status 42-42 7 Aadhaar Generation. 43-43 8 Scheme Wise Interest Subvention 44-50 9 Scheme wise NPA,Overdue & Recovery Position 51-58 10 Particulars of cases filed under OPDR Act and OACOMP Act. 59-61 11 Enrollment status of PMSBY, PMJJBY & APY as on 08.08.2015 62-64 12 Bankwise District wise Branch Network & Staff Strength 65-67 13 Bankwise District wise Branch opened status 68-69 14 ATM Network 70-71 15 Key Indicator & Area wise CD Ratio. 72-75 16 Annual Credit Plan (A.C.P) 2015-16 76-79 17 Finance under Agriculture 80-80 18 Financing under KCC 81-81 19 Financing under Allied Agriculture 82-82 20 Credit flow to MSME 83-87 21 Sick MSME Report 88-88 22 RSETI wise monthly Progress Report up to June 2015 89-89 23 Strategy for RSETI under NRLM for 2015-16 90-92 24 RSETI Expenditure Claim Formats 93-95 25 RSETI Residential Training Status 96-96 26 Financing under Weaver Credit Card 97-98 27 Financing under Self Help Group 99-100 28 NULM & OULM Target 101-103 29 PMEGP Subsidy Claim Formats 104-107 30 Financing under SC / ST Sector 108-113 31 Financing under JLG 114-114 32 Financing under ACC 115-115 33 Financing under SCC 116-116 34 Financing under Education loan 117-117 35 Financing under Housing Loan 118-118 36 Credit facility to Minority Community 119-119 37 Credit Facility under CGTMSE 120-120 38 Format for filing of Equitable Mortgage Records on CERSAI 121-121 39 Disposal of loan applications under various sectors 122-127 40 No. of Accounts in Odisha under various parameters 128-128 BANKING AT A GLANCE IN ODISHA AS ON 30th June 2015 (Rs.in Crore) As on 30th Sl No Particulars June 2015 1 Total Deposit 197461.75 Total Advance utilized in the state 141477.35 2 Total Advance sanctioned and utilized in the state 98110.49 3 Total Business (Deposit + Advance) 338939.10 4 Credit Deposit (CD) Ratio (%) Benchmark-60% 71.65 Credit Deposit Ratio excluding advance sanctioned in other state and 49.68 utilized in our state a) CD Ratio of Rural Branches 62.40 5 b) CD Ratio of Semi Urban Branches 41.03 c) CD Ratio of Urban Branches 48.20 CD Ratio of Commercial Banks excluding RIDF& advance 43.04 sanctioned in other state and utilized in our state 6 Total PS Advance 58640.54 7 % of PS Advance to Total Advance Bench Mark-40% 59.77 8 Agriculture Advance 29804.57 9 % of Agriculture Advance to Total Advance Bench Mark- 18% 30.38 10 MSME Advance 20628.60 11 % of MSME Advance to total advance 21.03 12 Advance to Weaker Section 19522.96 13 % of Advance to weaker section to PS Adv. Bench Mark – 25% 33.29 14 Total DRI Advance 56.56 15 % of DRI Advance to total advance Bench Mark – 1% 0.05 16 Credit Investment to Deposit Ratio % 72.33 NPA in % (Average in the state) 8.60 a) Public Sector Banks 8.12 17 b) Private Sector Banks 1.23 c) RRBs 27.77 d) Cooperative Banks 8.81 Total No. of Branches 4687 a) Rural Branches 2568 (54.79%) 18 b) Semi Urban Branches 1220(26.03%) c) Urban Branches 899(19.18%) 19 Education loan B/o 1990.86 20 Housing Loan B/o 8698.86 Achievement under ACP 2015-16 vis-à-vis Annual Target under 17.46 priority sector in % 21 a) Crop Loan 21.09 b) Agriculture Term Loan 11.48 1 c) Agriculture Allied loan 9.81 d) Total Agriculture 18.29 e) MSE 19.24 f) Education 3.03 g) Housing 10.11 d) Other Priority 14.60 Lead Districts : 30 a) SBI 19 22 b) UCO 7 c) BOI 2 d) Andhra Bank 2 RSETIs : 29 a) SBI 17 b) UCO 7 23 c) BOI 2 d) CBI 1 e) Andhra Bank 2 24 RUDSETI : Canara Bank 1 FLCS : 103 a) SBI 19 b) UCO 7 25 c) BOI 2 Andhra Bank 2 d) OSCB 94 e) RRB 11 f) Staff Strength 31,841 g) Officers 14,314 26 h) Clerical Staff 11,611 i) Sub- Staff 5,916 27 j) Total Deposit Accounts 4,27,99,926 28 k) Total Advance Accounts 67,92,810 2 AGENDA NOTES OF 140th SLBC MEETING AGENDA NO. 1 Confirmation of Proceedings of 139th SLBC meeting held on 22.05.2015 at Bhubaneswar. The Proceedings of 139th SLBC meeting held on 22.05.2015 at Bhubaneswar had been circulated among all the members of SLBC vide our letter No. SLBC/ODI/259/2015-16 dated 15.06.2015. Since no comments have been received from any quarter the same may please be confirmed. AGENDA NO. 2 Action Taken Report on major decisions taken in 139th SLBC meeting held on 22.05.2015. Point Action to be Action points Action taken No. taken by Opening of Brick & Mortar Branches. Banks have opened 21 branches in the state for the period 01.04.2015 to 30.06.2015, out of which 14 are in rural centers . Provision of banking outlets in unbanked villages with population below 2000 As on 30.06.2015, banks have covered 38693 villages constituting 84.32 % of the Progress of total target. Out of these villages, 438 are Implementation All Banks/ covered through B & M branches and rest by 1. of Financial LDMs branchless modes mainly through BC mode. Inclusion Plan Details as per the Annexure- 1. in the State. The constraints like telecom connectivity. unstable and low voltage power supply are continuing in rural areas. The issues of BC agents engaged by different banks are yet to be resolved. Progress under Financial Inclusion Programme (2013 to 2016) of Public Sector, Private Sector and RRBs as on May 31, 2015 is enclosed at Annexure – 2. 3 Total amount disbursed under DRI scheme is Rs.3.56 crore in 1797 accounts during 01.04.2015 to 30.06.2015, out of which Banks have disbursed 408 applications DRI Loans in All Banks/ amounting Rs.0.90 crore under DRI loan to favour of Director of persons with disability. 2. Persons with Welfare/LD The performance of the participating banks is Disability(PWD) Ms not encouraging (Annexure – 3). Banks were requested to achieve sanction and disbursement of minimum 10 applications per branch under the scheme for the year 2015-16. 3. Implementation of Pradhan Mantri Jan Dhan Yojana (PMJDY) PMJDY ACCOUNTS AT A GLANCE IN ODISHA AS ON 08.08.2015 Total No. of villages covered 47765 Total No. of Sub Service Area covered 6276 Total No. of Wards covered 1729 100% Saturation (Each household having 30 Districts minimum one Saving Bank Deposit Account) No of accounts opened from 16.08.2014 to 08.08.2015. 64,11,851 Rural –45,38,354 Urban -18,73,497 No. of accounts opened with Zero balance 27,07,922 % of Zero balance accounts to total account 42.23 opened Total deposit balance under PMJDY accounts. Rs.522.41 Crore No. of RuPay Cards issued 48,01,044 No. RuPay Cards activated 33,80,160(70.40%) No. of Pass Books issued 46,18,091 No. of Aadhaar seeded accounts 19,94,981 % of Aadhaar seeding 31.11 % No. of active BC Agents (Bank Mitra) 4481 Bank wise figures dated 08.08.2015 are available at Annexure -4 District wise figures dated 30.06.2015 are available at Annexure - 5 4 4. Progress on implementation DBTL in our State LPG and Bank Seeding Status as on 08.08.2015 (Annexure - 6) 1. Total no of LPG distributors in the State – 495 2. No of LPG Consumers – 28,10,355 3. % of LPG Aadhaar Seeding as on date – 45.56 4. % of Bank Aadhaar Seeing (ATC) as on date – 40.55 5. % of Bank Account Seeding verified (BTC) as on date – 46.59 6. % of Cash Transfer Compliant (CTC= ATC + BTC) as on date – 87.13 5. Aadhaar Number Seeding It is reported by the UIDAI (Annexure-7) that out of total population of 4.19 crore in Odisha, target population (five years above) is 3.85 crore, Biometric Entry (Enrollment) has been done till 30.06.2015 is 3.57 crore (92.72%), Aadhaar No.
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  • 86 | 20Th September, 2018 Organised by Rourkela Institute of Management Studies (RIMS), Rourkela

    86 | 20Th September, 2018 Organised by Rourkela Institute of Management Studies (RIMS), Rourkela

    INTERNATIONAL JOURNAL OF BUSINESS, MANAGEMENT AND ALLIED SCIENCES (IJBMAS) A Peer Reviewed International Research Journal www.ijbmas.in ISSN: 2349-4638 Vol.5. Issue.S1.2018 Financial Inclusion for Inclusive Growth – A Case Study of Utkal Grameen Bank (UGB) Dhiroj Kumar Panda1 M.Phil Scholar Rajendra Autonomous College, Bolangi E mail id: [email protected] Rajlaxmi Barik2 M. Phil Scholar Gangadhar Meher University E mail id: [email protected] Abstract Finance has become an integral part for the development of the society as well as economy of the country. Proper utilization and mobili- zation of finance is necessary for the inclusive growth and it can be possible through financial inclusion. Financial inclusion is a bold step taken by government of India to include the financially excluded people in to the financial boundary of the economy. And this can be achievable only through the cooperation of all banking institutions like commercial banks, Regional Rural Banks (RRBs) etc. The RRBs plays a significant role in the development of the rural people through financial inclusion which helps for inclusive growth and sustainable development. Financial inclusion is a process of ensuring access to suitable financial products and services needed by sus- ceptible growth such as weaker sections and low income groups at an affordable cost in a fair and transparent manner by mainstream financial intuitional players. The study focus on the importance of financial inclusion in rural areas and through light on the steps taken by the Utkal Grameen Bank (UGB) and various strategies adopted to strengthen the financial inclusion. UGB has operates in 17 econom- ically backward districts all over the state having 57% of the total districts.