133Rd SLBC Agenda

AGENDA No: 1 133rd SLBC

CONFIRMATION OF THE MINUTES OF THE EARLIER MEETING

The minutes of the 132nd State Level Bankers’ Committee Meeting convened on 28.12.2012 (already circulated vide SLBC letter dated 21.01.2013) may be confirmed.

AGENDA No: 2 New Issues 133rd SLBC

1. Setting up of Rural Self-Employment Training Institutes (RSETIs)

All the Four Banks having Lead District responsibilities have since opened RSETIs in the lead districts allotted to them (Total 31 RSETIs).

In addition to the 12 Lead districts allotted, IOB has opened a RSETI (13th) at Kothagiri in Nilgiris District to impart skill training to Tribal People of the Nilgiris District.

Performance of the RSETIs during April to December 2012:

Sl Total Number No of training No of No of persons No of RSETI programme conducted persons secured during April- trained employment/self December employment (2012-2013)

1 32 357 10060 5159

All the 32 RSETIs in the State should endeavour to obtain A+ grade during the current year. We advise the sponsor banks of RSETIs to refer to SLBC letter dated 02.11.2012 enclosing the targets advised by Ministry of Rural Development, Government of India and monitor the progress towards achieving the targets. The Monitoring Cell of National Academy of RUDSETIs had advised certain parameters to all the RSETIs for grading them. The RSETIs should comply with the requirements to get A+ grade.

The RSETIs are advised to enroll themselves with Entrepreneur Development Institute (EDI) for conducting training programmes for the beneficiaries of NEEDS Scheme launched by Government of Tamil Nadu.

New Issues 133rd SLBC

2. Setting up of Financial Literacy & Credit Counselling Centres (FLCCC)

Four Lead banks namely IOB, Indian Bank, Canara Bank & State Bank of India have completed establishment of FLCCCs in their lead districts (31 districts). Apart from the four lead banks, Bank of India and ICICI Bank Ltd have opened FLCCC each one at Chennai.

FLCCC Progress Report for the Quarter ended December 2012.

Sl. Name of the No of No. of No. of No of Bank FLCCC persons Outdoor persons No Counselled activities participated during the undertaken in outdoor quarter during the activities Quarter during the Quarter 1 IOB 13 951 118 7795

2 Indian Bank 10 1466 28 1411

3 Canara Bank 7 2000 198 21142

4 SBI 2 285 7 503

5 BOI 1 54 0 0

6 ICICI Bank Ltd 1 115 6 200

TOTAL 34 4871 357 31051

Reserve Bank of India advised all the rural branches of Scheduled Commercial Banks including RRBs to undertake the financial literacy activities and report the progress details to SLBC and RBI. Further, they have advised that all the rural branch and FLCs to prepare a calendar for conducting FLC camps in the beginning of the year and advised the banks to give a wide publicity to the Financial Literacy drive.

All the member banks are advised to instruct your rural branches suitably on the above and submit the consolidated progress details of your bank to SLBC and RBI.

A copy of the RBI circular dated on 31.01.2013 on FLC is enclosed as an annexure.

New Issues 133rd SLBC

3. Identification and allotment of villages under Financial Inclusion which were earlier omitted due to the presence of PACBs

Reserve Bank of India advised SLBC to identify and allot villages for provision of banking services under Financial Inclusion which were earlier classified as banked villages due to the presence of Primary Agricultural Co-operative Banks (PACBs). SLBC consolidated a list of 599 such villages identified by Lead District Managers and allotted the same to various member banks. The list was modified subsequently to avoid duplication and repetition as per the request of LDMs and the final number of villages now stand at 556.

Consolidated district-wise and bank-wise list of allocation is provided for the benefit of the member banks. The consolidated and detailed district-wise and bank-wise lists are available in our website www.slbctn.com under Financial Inclusion head.

The member banks are requested to complete coverage of their allotted villages before March, 2013.

STATE LEVEL BANKERS' COMMITTEE, TAMIL NADU CONVENOR: INDIAN OVERSEAS BANK PROVIDING BANKING SERVICES IN VILLAGES WHERE PACS/PACBS ARE FUNCTIONING BANKWISE ALLOCATION OF VILLAGES -28.02.2013

No. of Villages S.No Name of the Bank allocated

1 Allahabad Bank 1 2 Andhra Bank 1 3 Bank of Baroda 16 4 Bank of India 16 5 Canara Bank 60 6 Central Bank of India 27 7 City Union Bank Ltd. 1 8 Corporation Bank 4 9 Federal Bank Ltd. 2 10 HDFC Bank Ltd. 1 11 ICICI Bank 6 12 Indian Bank 100 13 Indian Overseas Bank 111 14 Karur Vysya Bank Ltd. 3 15 Lakshmi Vilas Bank Ltd. 10 16 Pallavan Grama Bank 10 17 Pandyan Grama Bank 18 18 Punjab National Bank 8 19 South Indian Bank Ltd. 6 20 State Bank of India 107 21 State Bank of Hyderabad 1 22 State Bank of Travancore 7 23 Syndicate Bank 12 24 Tamilnad Mercantile Bank 8 25 UCO Bank 7 26 Union Bank of India 12 27 Vijaya Bank 1

Total No of Villages 556

STATE LEVEL BANKERS' COMMITTEE, TAMIL NADU CONVENOR: INDIAN OVERSEAS BANK PROVIDING BANKING SERVICES IN VILLAGES WHERE PACS/PACBS ARE FUNCTIONING DISTRICTWISE ALLOCATION OF VILLAGES - 28.02.2013 No. of S.No Name of the District Villages allocated 1 Dharmapuri 75 2 Erode 63 3 Kancheepuram 78 4 Kanyakumari 30 5 Karur 29 6 Pudukottai 77 7 Sivaganga 24 8 Theni 18 9 Tiruchirapalli 109 10 Tirunelveli 40 11 Tiruvallur 13

Total No of Villages 556

BANK-WISE ALLOCATION OF VILLAGES - 28.02.2013 S. Name of the Bank Name of Block Name of Village Population Name of District Name of Branch NO 1 Allahabad Bank Annavasal Perumanadu 2174 Pudukkottai Pudukkottai 2 Andhra Bank Bhavanisagar Nochikuttai 1352 Erode P.Puliampatti 3 Bank of Baroda Dharmapuri Settikarai 7524 Dharmapuri Dharmapuri 4 Bank of Baroda Nambiyur Irugalur 2769 Erode Nambiyur 5 Bank of Baroda Nambiyur Sinnaraipalayam 2439 Erode Kadathur 6 Bank of Baroda Nambiyur Koshanam 6582 Erode Nambiyur 7 Bank of Baroda Madurantakam Sidhandi 1763 Kancheepuram Chengalpattu 8 Bank of Baroda Aranthangi Ulagalanthanvayal 498 Pudukkottai Aranthangi 9 Bank of Baroda Aranthangi Patharasankottai 698 Pudukkottai Aranthangi 10 Bank of Baroda Aranthangi Panayakudi 940 Pudukkottai Aranthangi 11 Bank of Baroda Andanallur Egrimangalam 1350 Tiruchirappalli Kulumani 12 Bank of Baroda Andanallur Koppu-N 6949 Tiruchirappalli Kulumani 13 Bank of Baroda Andanallur Koppu-S 4164 Tiruchirappalli Kulumani 14 Bank of Baroda Lalgudi Nagar 2879 Tiruchirappalli Lalgudi 15 Bank of Baroda Musiri Jayankondam 1435 Tiruchirappalli Jambunathapuram 16 Bank of Baroda Thatheyengarpettai Valavandhi 4312 Tiruchirappalli Jambunathapuram 17 Bank of Baroda Thatheyengarpettai Mangalam 3566 Tiruchirappalli Jambunathapuram 18 Bank of Baroda Tiruvallur Veeraragavapuram 1365 Tiruvallur Tiruvallur 19 Bank of India Talavady Hasanur 3690 Erode Arepalayam 20 Bank of India Karur Kadambankurichi 4317 Karur Velayuthampalayam 21 Bank of India Kulithalai Inungur 7563 Karur Nangavaram 22 Bank of India Thogamalai Pathiripatti 2310 Karur Kavalkaranpatti 23 Bank of India Thogamalai Vadacheri 6590 Karur Kavalkaranpatti 24 Bank of India Kunnandarkoil Sengalur 2394 Pudukkottai Narthamalai 25 Bank of India Kunnandarkoil Pappudayanpatti 1020 Pudukkottai Killukottai 26 Bank of India Tirumayam Kottaiyur 2025 Pudukkottai Tirumayam 27 Bank of India Pullambadi Vengatachalapuram 2047 Tiruchirappalli Pullambadi 28 Bank of India Pullambadi Vellanoor 730 Tiruchirappalli Pullambadi 29 Bank of India Pullambadi P.Sangendhi 2404 Tiruchirappalli Pullambadi 30 Bank of India Uppiliyapuram Thalugai 7649 Tiruchirappalli T.Murungaipatty 31 Bank of India Uppiliyapuram S.Koombai 428 Tiruchirappalli T.Murungaipatty 32 Bank of India Villivakkam At Vellaicheri, 1446 Tiruvallur Boochiathipedu

33 Bank of India Villivakkam Velappanchavadi 1595 Tiruvallur Boochiathipedu 34 Bank of India Talavady Germalam 2214 Erode Arepalayam 35 Canara Bank Dharmapuri Naduhalli 3094 Dharmapuri Dharmapuri 36 Canara Bank Ammapet Mathur 6713 Erode vellithirupur 37 Canara Bank Andhiyur Burgur 15874 Erode Andhiyur 38 Canara Bank Anthiyur Pachampalayam 7530 Erode A.Sempulichampalayam 39 Canara Bank Anthiyur Kilawani 2148 Erode Sakthi Nagar 40 Canara Bank Bhavani Thottipalayam 2152 Erode bhavani 41 Canara Bank Bhavani Chinnapuliyur 3109 Erode bhavani 42 Canara Bank Bhavani Uratchikottai 6021 Erode bhavani 43 Canara Bank Gobichettipalayam Kavundampalayam 2106 Erode Kolappalur 44 Canara Bank Kodumudi Anjur 3578 Erode Sivagiri 45 Canara Bank Modakurichi Kulur 1489 Erode Sivagiri 46 Canara Bank Modakurichi Vilakethi 2338 Erode Modakurichi 47 Canara Bank Modakurichi M S Mangalam 7039 Erode Modakurichi 48 Canara Bank Nambiyur Ayalur 5610 Erode Kolappalur 49 Canara Bank T N Palayam Akkaraikodiveri 2384 Erode Kasipalayam 50 Canara Bank T N Palayam Punjaithuraiyampalayam 8312 Erode Bungalow Pudur 51 Canara Bank Talavady Thalamalai 3659 Erode Talavady 52 Canara Bank Lathur Seekinankukppam 1832 Kancheepuram Kodur 53 Canara Bank Madurantakam Nallur 1733 Kancheepuram Cheyyur 54 Canara Bank Sriperumbudur Chellampattidai 1908 Kancheepuram Maduramangalam 55 Canara Bank Sriperumbudur Gunagarampakkam 1720 Kancheepuram Maduramangalam 56 Canara Bank St.Thomas Mount Cowlbazar 1750 Kancheepuram Pallavarm 57 Canara Bank Thirukalukundram Pandur 1982 Kancheepuram Tirukkalukundram 58 Canara Bank Thirukalukundram Pulleri 1884 Kancheepuram Tirukkalukundram 59 Canara Bank Uthiramerur Thianayampoondi 1930 Kancheepuram Marudam 60 Canara Bank Uthiramerur Thirupulivanam 1674 Kancheepuram Marudam 61 Canara Bank Uthiramerur Thotanaval 1976 Kancheepuram Uthiramerur 62 Canara Bank Walajabad Injambakkam 1753 Kancheepuram Therady 63 Canara Bank Walajabad Thandalam 144 1052 Kancheepuram Parandur 64 Canara Bank Walajabad Vaiyavur 4271 Kancheepuram Kancheepuram 65 Canara Bank Killiyoor Unnamalaikadai 15666 Kanyakumari Marthandam 66 Canara Bank Melpuram Vilavancode 6235 Kanyakumari Kuzhithurai 67 Canara Bank Thovalai Kadukarai 2617 Kanyakumari Alagiapandipuram 68 Canara Bank Kulithalai Heraniyamangalam 3896 Karur Panikkampatti 69 Canara Bank Krishnarayapuram Manavasi 2598 Karur Mayanur 70 Canara Bank Krishnarayapuram Thirukkampuliyur 5692 Karur Mayanur

71 Canara Bank Tiruvarangulam Vennavalkudi 5772 Pudukkottai Venkitakulam 72 Canara Bank Tiruvarangulam Senthakudi 1995 Pudukkottai Venkitakulam 73 Canara Bank Ponnamaravathi Ammankurichi 1695 Pudukkottai Ponnamaravathi 74 Canara Bank Avudayarkoil Okkur 1251 Pudukkottai Karur 75 Canara Bank Avudayarkoil Narasingapuram 405 Pudukkottai Karur 76 Canara Bank Avudayarkoil Theeyathur 870 Pudukkottai Tiruppunavasal 77 Canara Bank Avudayarkoil Adambur 1219 Pudukkottai Karur 78 Canara Bank Manamadurai M.Karisalkulam 2045 Sivaganga Manamaduari 79 Canara Bank Theni Nagalapuram 4874 Theni Kaduvilarpatty 80 Canara Bank Periyakulam Vaithiyanathapuram 1520 Theni Periyakulam 81 Canara Bank Bodi Boothipuram 5250 Theni Bodi 82 Canara Bank Cumbum Surulipatti 7330 Theni N T Patty 83 Canara Bank Andanallur Pulivalam 1315 Tiruchirappalli Andanallur 84 Canara Bank Andanallur Analai 950 Tiruchirappalli Tiruparaithurai 85 Canara Bank Manikandam Paganur 2000 Tiruchirappalli Inamkulathur 86 Canara Bank Mannachanallur Perahambi 2504 Tiruchirappalli Edumalai 87 Canara Bank Thatheyenkarpet Valasiramani 3181 Tiruchirappalli Thatheyengarpet 88 Canara Bank Thuraiyur Renganathapuram 4943 Tiruchirappalli Thuraiyur 89 Canara Bank Ambai Velangudi 4661 Tirunelveli Ambai 90 Canara Bank Kalakad Kadamboduvazhu 2136 Tirunelveli Eruvadi 91 Canara Bank Radhapuram Muthumuthanmozhi 2615 Tirunelveli Tisayanvilai 92 Canara Bank Tenkasi Thenpothai 4088 Tirunelveli Sencottah 93 Canara Bank Sholavaram Pudukkuppam 544 Tiruvallur Perungavoor 94 Canara Bank Tiruttani L.N.Kandigai 1920 Tiruvallur K G Kandigai 95 Central Bank of India Dharmapuri Vellapatti 3852 Dharmapuri Krishnapuram 96 Central Bank of India Dharmapuri Kuppur 5038 Dharmapuri Dharmapuri 97 Central Bank of India Karimangalam Murukkampatti 4238 Dharmapuri Krishnapuram 98 Central Bank of India Morappur Sandapatty 3168 Dharmapuri Ramiyanahalli 99 Central Bank of India Acharapakkam Minnal Chithamur 1652 Kancheepuram Kadamalaiputhur 100 Central Bank of India Acharapakkam Murungai 1729 Kancheepuram Kadamalaiputhur 101 Central Bank of India Acharapakkam Siruperpondy 1687 Kancheepuram Kadamalaiputhur 102 Central Bank of India Chithamur Nerkunam 1964 Kancheepuram Kadamalaiputhur 103 Central Bank of India Chithamur Parukal 1844 Kancheepuram Kayapakkam 104 Central Bank of India Lathur Ammanur 380 Kancheepuram Cheyyur 105 Central Bank of India Thiruporur Thazhambur 1824 Kancheepuram Kelambakkam 106 Central Bank of India Kurunthencode Kattimancode 7487 Kanyakumari Aloor 107 Central Bank of India Melpuram Devicode 7248 Kanyakumari Puliyoorsalai 108 Central Bank of India Gandarvakottai Mattangal 2313 Pudukkottai Gandarvakottai

109 Central Bank of India Gandarvakottai Sokkampatti 1210 Pudukkottai Kallakottai 110 Central Bank of India Pudukkottai Vadavalam 6971 Pudukkottai Pudukkottai 111 Central Bank of India Avudayarkoil Konendram 1511 Pudukkottai Ammapattinam 112 Central Bank of India Manamelgudi Ambalavanendal 940 Pudukkottai Ammapattinam 113 Central Bank of India Manamelgudi Kattupiramanavayal 560 Pudukkottai Ammapattinam 114 Central Bank of India Gandarvakottai Thuvar 3645 Pudukkottai Kallakottai 115 Central Bank of India Manamadurai Chinnakannanur 2188 Sivaganga Manamduari 116 Central Bank of India Manamadurai Keelapasalai 3643 Sivaganga Manamaduari 117 Central Bank of India Theni Venkatachalapuram 2274 Theni Srirengapuram 118 Central Bank of India Andanallur Sirugamani-E 9994 Tiruchirappalli Pettavaithalai 119 Central Bank of India Andanallur Sirugamani-W 3645 Tiruchirappalli Pettavaithalai 120 Central Bank of India Papakudi Harikesavanallur 4887 Tirunelveli Mukkodal 121 Central Bank of India Vasudevanallur Devipattinam 6008 Tirunelveli Sivagiri 122 City Union Bank Thiruvattar Thirparappu 4281 Kanyakumari Thirparappu 123 Corporation Bank Chennimalai Mettuplayam 503 Erode M.Anumanpalli 124 Corporation Bank Chennimalai Kumaravalasu 1045 Erode M.Anumanpalli 125 Corporation Bank Talavady Bynnapuram 2587 Erode Soosaipuram 126 Corporation Bank Manamelgudi Karakathikottai 1538 Pudukkottai Kottaipattinam 127 Federal Bank Thiruvattar Pechiparai 6398 Kanyakumari Kulasekharam 128 Federal Bank Thuckalay Nullivilai 14090 Kanyakumari Eraniel 129 HDFC Bank Kannangudi Hanumanthakudi 1951 Sivaganga Kannangudi 130 ICICI Bank Thanthoni Melapalayam 2355 Karur Puliyur 131 ICICI Bank Tirumayam Thirukalambur 5647 Pudukkottai Melesivapuri 132 ICICI Bank Tirumayam Vengalur 1294 Pudukkottai Konapet 133 ICICI Bank Devakottai Mithravayal 2661 Sivaganga Devakottai 134 ICICI Bank Singampunari Soorakudi 2660 Sivaganga Muraiyur 135 ICICI Bank Thirupattur Thirukolakudi 3549 Sivaganga Avinipatti 136 Indian Bank Dharmapuri Kadagathur 4505 Dharmapuri Dharmapuri 137 Indian Bank Harur Parayapatti 3834 Dharmapuri G K Road 138 Indian Bank Harur Jammanahalli 3422 Dharmapuri G K Road 139 Indian Bank Harur Gopinathampatti 2088 Dharmapuri G K Road 140 Indian Bank Karimangalam Bandarahalli 4174 Dharmapuri Karimangalam 141 Indian Bank Karimangalam Begarahalli 5870 Dharmapuri Pulikarai 142 Indian Bank Karimangalam Dhindal 4382 Dharmapuri Karimangalam 143 Indian Bank Karimangalam Bommahalli 2808 Dharmapuri Karimangalam 144 Indian Bank Morappur Earumathur 4611 Dharmapuri Kambainallur 145 Indian Bank Morappur kosapatti 3047 Dharmapuri Morappur 146 Indian Bank Morappur Pannikulam 1968 Dharmapuri Kambainallur

147 Indian Bank Morappur Thalanatham 4869 Dharmapuri Silarhalli 148 Indian Bank Nallampalli Palayampudur 5641 Dharmapuri Nallampalli 149 Indian Bank Nallampalli Adiyamankottai 7302 Dharmapuri Nallampalli 150 Indian Bank Nallampalli Balajangamanahalli 4309 Dharmapuri Nallampalli 151 Indian Bank Nallampalli Pagalahalli 6158 Dharmapuri Nallampalli 152 Indian Bank Pappireddipatti Bairanatham 4099 Dharmapuri Kozhimekkanur 153 Indian Bank Pappireddipatti Venkatasamudram 7196 Dharmapuri Kozhimekkanur 154 Indian Bank Pappireddipatti B.Thurinjipatty 1010 Dharmapuri Bommidi 155 Indian Bank Palacode Karakathahalli 4927 Dharmapuri Palacode 156 Indian Bank Palacode Padi 2632 Dharmapuri Papparapatti 157 Indian Bank Palacode Gummanur 6760 Dharmapuri Marandahalli 158 Indian Bank Palacode Jerthalav 8452 Dharmapuri Palacode 159 Indian Bank Palacode P Settihalli 6683 Dharmapuri Palacode 160 Indian Bank Palacode Sekkodi 2101 Dharmapuri Papparapatti 161 Indian Bank Palacode Selliyampatti 5785 Dharmapuri Pulikarai 162 Indian Bank Palacode P.Gollahalli 4068 Dharmapuri Pulikarai 163 Indian Bank Pennagaram Velampatti 1125 Dharmapuri Papparapatti 164 Indian Bank Pennagaram Veppilaihalli 4189 Dharmapuri Papparapatti 165 Indian Bank Pennagaram Acharahalli 2017 Dharmapuri Papparapatti 166 Indian Bank Pennagaram Onapagoundanahalli 4930 Dharmapuri Papparapatti 167 Indian Bank Gobichettipalayam Savandapur 3732 Erode Modakurichi 168 Indian Bank Kattankolathur Kolathur 1980 Kancheepuram S P Koil 169 Indian Bank Kundrathur Elichur 1768 Kancheepuram Sriperumbudur 170 Indian Bank Kundrathur Kolapakkam 2594 Kancheepuram Porur 171 Indian Bank Madurantakam Bukkathurai 2380 Kancheepuram Mamandur 172 Indian Bank Madurantakam Karunagaracheri 1794 Kancheepuram Mamandur 173 Indian Bank Madurantakam Maiyur 2594 Kancheepuram Mamandur 174 Indian Bank Madurantakam Mangalam 2074 Kancheepuram Mamandur 175 Indian Bank Madurantakam Neerpair 1625 Kancheepuram Madurantakam 176 Indian Bank Madurantakam Nethapakkam 1757 Kancheepuram Madurantakam 177 Indian Bank Madurantakam Pazhamathur 2200 Kancheepuram Mamandur 178 Indian Bank Madurantakam Saravambakkam 1954 Kancheepuram Mamandur 179 Indian Bank Sriperumbudur Nemili 1295 Kancheepuram Valarpuram 180 Indian Bank Sriperumbudur Sengadu 1920 Kancheepuram Valarpuram 181 Indian Bank Thirukalukundram Manapakkam 2295 Kancheepuram Ozhalur 182 Indian Bank Thirukalukundram Mosivakkam 1693 Kancheepuram Chengalpattu 183 Indian Bank Thirukalukundram Nallathur 1809 Kancheepuram Tirukkalukundram 184 Indian Bank Thirukalukundram Sogandi 1860 Kancheepuram P V kalathur

185 Indian Bank Thiruporur Alathur 1836 Kancheepuram Tiruporur 186 Indian Bank Thiruporur Vembedu 1875 Kancheepuram Tiruporur 187 Indian Bank Uthiramerur Kattankulam 1782 Kancheepuram Magaral 188 Indian Bank Uthiramerur Kavampair 1815 Kancheepuram Magaral 189 Indian Bank Uthiramerur Sirumailur 1634 Kancheepuram Walajabad 190 Indian Bank Uthiramerur Thiruvanaikoil 1742 Kancheepuram Arumbuliyur 191 Indian Bank Walajabad Thandalam 139 1275 Kancheepuram Kammavarpalayam 192 Indian Bank Agasteeswaram N.Thamaraikulam 3437 Kanyakumari North Thamaraikulam 193 Indian Bank Killiyoor Midalam 7991 Kanyakumari Enayamputhenthurai 194 Indian Bank Munchirai Kulapuram 7158 Kanyakumari Kaliakkavilai 195 Indian Bank Gandarvakottai Kulathur Naikanpatti 2925 Pudukkottai Pudunagar 196 Indian Bank Gandarvakottai Pakattuvanpatti 740 Pudukkottai Pudunagar 197 Indian Bank Gandarvakottai Therkuvasalpatti 860 Pudukkottai Pudunagar 198 Indian Bank Gandarvakottai Viralipatti 1810 Pudukkottai Thatchankurichi 199 Indian Bank Viralimalai Maruthampatti 996 Pudukkottai Nirpalani 200 Indian Bank Viralimalai Viralur 3205 Pudukkottai Viralimalai 201 Indian Bank Viralimalai Velur 803 Pudukkottai Viralimalai 202 Indian Bank Avudayarkoil Madhakam 208 Pudukkottai T.Pudupatti 203 Indian Bank Arimalam Nedungudi 1973 Pudukkottai Kilanilakottai 204 Indian Bank Ponnamaravathi Semputhi 1746 Pudukkottai Ponnamaravathi 205 Indian Bank Aranthangi Periyalur 1937 Pudukkottai Vembankudi 206 Indian Bank Avudayarkoil Navinivayal 2049 Pudukkottai Avudayarkoil 207 Indian Bank Manamelgudi Nilaiyur 1319 Pudukkottai Manamelgudi 208 Indian Bank Manamelgudi Kandanivayal 121 Pudukkottai Manamelgudi 209 Indian Bank Avudayarkoil Vilanur 2151 Pudukkottai Avudayarkoil 210 Indian Bank Kallal Siravayal 4155 Sivaganga Pillyarpatti 211 Indian Bank Sivaganga Athapadakki 2469 Sivaganga Sivaganga 212 Indian Bank Andipatti Rengasamudram 4424 Theni Andipatty 213 Indian Bank Theni Ambasamudram 1386 Theni Govindangaram 214 Indian Bank Chinnamanur Ramakrishnapuram 1306 Theni Pottipuram 215 Indian Bank Andanallur Panaiyapuram 1235 Tiruchirappalli Srirangam 216 Indian Bank Musiri Vellur 3801 Tiruchirappalli Musiri 217 Indian Bank Pullambadi Thappai 1537 Tiruchirappalli Kallakudi 218 Indian Bank Thottiam Ellurpatty 7174 Tiruchirappalli Meichelnaickanpatty 219 Indian Bank Thottiam Murungaikalathur 4117 Tiruchirappalli Meichelnaickanpatty 220 Indian Bank Thottiam Nagainallur 5554 Tiruchirappalli Meichelnaickanpatty 221 Indian Bank Thuraiyur Athanur 1550 Tiruchirappalli Thuraiyur 222 Indian Bank Thuraiyur Sennappanallur 1397 Tiruchirappalli Thuraiyur

223 Indian Bank Tiruvarambur Suriyur 2400 Tiruchirappalli OFT Branch 224 Indian Bank Tiruvarambur Velayudangudi 1450 Tiruchirappalli OFT Branch 225 Indian Bank Tiruvarambur Vengur 1256 Tiruchirappalli Tiruvarambur 226 Indian Bank Tiruvarambur Koothappar 1800 Tiruchirappalli Tiruvarambur 227 Indian Bank Tiruvarambur Krishnasamuthiram 1350 Tiruchirappalli Tiruvarambur 228 Indian Bank Tiruvarambur Natarajapuram 1142 Tiruchirappalli Tiruvarambur 229 Indian Bank Cheranmadevi Therku veeravanallur 3660 Tirunelveli Veeravanallur 230 Indian Bank Manur Vahaikulam 3511 Tirunelveli Ukkarankottai 231 Indian Bank Manur Seethapapanallur 2838 Tirunelveli MS University 232 Indian Bank Sankarankoil Perumpathur 4225 Tirunelveli Sanakarankoil 233 Indian Bank Ellapuram At Kannigaipair 1380 Tiruvallur Kannigaiper 234 Indian Bank Minjur P.Panapakkam, 670 Tiruvallur Medur 235 Indian Bank Poonamallee Vellavedu 1955 Tiruvallur Tirumazhisai 236 Indian Overseas Bank Karimangalam Gendiganahalli 3129 Dharmapuri Periyanahalli 237 Indian Overseas Bank Nallampalli Pangunatham 3838 Dharmapuri Indur 238 Indian Overseas Bank Nallampalli Laligam 2665 Dharmapuri Oddapatti 239 Indian Overseas Bank Nallampalli Samichettipatti 4727 Dharmapuri Oddapatti 240 Indian Overseas Bank Nallampalli A.Jettihalli 7492 Dharmapuri Oddapatti 241 Indian Overseas Bank Pappireddipatti Adigarapatty 3775 Dharmapuri Pappireddipatti 242 Indian Overseas Bank Ammapet Kannapalli 5651 Erode guruvareddiyur 243 Indian Overseas Bank Ammapet Mukasipudur 2572 Erode poonachi 244 Indian Overseas Bank Bhavanisagar Nallur 7549 Erode P.Puliampatti 245 Indian Overseas Bank Bhavanisagar Thoppampalayam 4161 Erode Doddampalayam 246 Indian Overseas Bank Bhavanisagar Karapadi 4456 Erode P.Puliampatti 247 Indian Overseas Bank Bhavanisagar Kavilipalayam 4793 Erode Ukkaram 248 Indian Overseas Bank Chennimalai Kavundachipalayam 5364 Erode Vellode 249 Indian Overseas Bank Chennimalai Vadamugam Vellode 8292 Erode Vellode 250 Indian Overseas Bank Erode Elavamalai 6294 Erode Kalingarayanpalayam 251 Indian Overseas Bank Gobichettipalayam Nagadevanpalayam 4801 Erode Kugalur 252 Indian Overseas Bank Gobichettipalayam Bommanaikenpalayam 2136 Erode Odathurai 253 Indian Overseas Bank Gobichettipalayam Alukkulai 7018 Erode Gobichettipalayam 254 Indian Overseas Bank Perundurai Seenapuram 3583 Erode K.C.Palayam 255 Indian Overseas Bank Sathyamangalam Komarapalayam 3013 Erode Sathyamangalam 256 Indian Overseas Bank Sathyamangalam Dasaripalayam 1734 Erode Sathyamangalam 257 Indian Overseas Bank T N Palayam Periyakodiveri 3258 Erode Dg Pudur 258 Indian Overseas Bank Acharapakkam Thirumukkadu 1647 Kancheepuram Acharapakkam 259 Indian Overseas Bank Kattankolathur Appur 1892 Kancheepuram S P Koil 260 Indian Overseas Bank Kundrathur Serapanancheri 1721 Kancheepuram Manimangalam

261 Indian Overseas Bank Madurantakam Munnuthikupam 1982 Kancheepuram Madurantakam 262 Indian Overseas Bank Thiruporur Amoor 1863 Kancheepuram Manapathi 263 Indian Overseas Bank Thiruporur Arungundram 1716 Kancheepuram Manapathi 264 Indian Overseas Bank Agasteeswaram Eraviputhoor 1565 Kanyakumari Marungoor 265 Indian Overseas Bank Kurunthencode Vellimalai 11760 Kanyakumari Friday Market 266 Indian Overseas Bank Kurunthencode Mandaikadu 12375 Kanyakumari Manavalakurichi 267 Indian Overseas Bank Melpuram Edaicode 7248 Kanyakumari Maruthencode 268 Indian Overseas Bank Melpuram Pacode 7633 Kanyakumari Melpuram 269 Indian Overseas Bank Thovalai Erachakulam 4365 Kanyakumari Putheri 270 Indian Overseas Bank Krishnarayapuram Sinthalavadi 8743 Karur Lalapet 271 Indian Overseas Bank Krishnarayapuram Sivayam 9360 Karur Kulithalai 272 Indian Overseas Bank Kadavur Palaviduthi 6117 Karur Kadavur 273 Indian Overseas Bank Thogamalai Gudalur 7179 Karur Thogamalai 274 Indian Overseas Bank Thogamalai Kallai 7206 Karur Thogamalai 275 Indian Overseas Bank Thogamalai Kalugur 6343 Karur Thogamalai 276 Indian Overseas Bank Thogamalai Mudalaipatti 3830 Karur Neithalur 277 Indian Overseas Bank Gandarvakottai Kulianviduthi 950 Pudukkottai Pudukkottai 278 Indian Overseas Bank Gandarvakottai Ettugalpatti 755 Pudukkottai Keeranur 279 Indian Overseas Bank Annavasal Sathyamangalam 3355 Pudukkottai Narthamalai 280 Indian Overseas Bank Annavasal Thodaiyur 1690 Pudukkottai Narthamalai 281 Indian Overseas Bank Annavasal Mampatti 858 Pudukkottai Parambur 282 Indian Overseas Bank Viralimalai Kavarappatti 951 Pudukkottai Viralimalai 283 Indian Overseas Bank Tiruvarangulam Vamban 1200 Pudukkottai Tiruvarangulam 284 Indian Overseas Bank Tiruvarangulam Poovarasakudi 2595 Pudukkottai Vallathirakottai 285 Indian Overseas Bank Karambakudi Kattathi 2024 Pudukkottai Karambakudi 286 Indian Overseas Bank Karambakudi Manamadai 250 Pudukkottai Raghunathapuram 287 Indian Overseas Bank Karambakudi Kadagampatti 230 Pudukkottai Raghunathapuram 288 Indian Overseas Bank Karambakudi Vadakalur 875 Pudukkottai Raghunathapuram 289 Indian Overseas Bank Karambakudi Ambukoil 1992 Pudukkottai Karambakudi 290 Indian Overseas Bank Ponnamaravathi Alavayal 2757 Pudukkottai Pudupatti 291 Indian Overseas Bank Arimalam Thekkattur 8009 Pudukkottai Ramachandrapuram 292 Indian Overseas Bank Aranthangi Koothadivayal 765 Pudukkottai Aranthangi 293 Indian Overseas Bank Aranthangi Kasavayal 387 Pudukkottai Avudayarkoil 294 Indian Overseas Bank Avudayarkoil Ponpetti 1359 Pudukkottai Avudayarkoil 295 Indian Overseas Bank Aranthangi Yegamperumalur 865 Pudukkottai Athani 296 Indian Overseas Bank Ilayangudi Nagarakudi 3378 Sivaganga Ilayangudi 297 Indian Overseas Bank Manamadurai Melarangiyam 2475 Sivaganga Thiruppuvanam 298 Indian Overseas Bank S.Pudur Nagamangalam 2044 Sivaganga Puluthipatti

299 Indian Overseas Bank Sivaganga Arasanur 3483 Sivaganga Sivaganga 300 Indian Overseas Bank Periyakulam Endapuli 1325 Theni Periyakulam 301 Indian Overseas Bank Chinnamanur Periachindalaicherri 1422 Theni Chinnamanur 302 Indian Overseas Bank Lalgudi Mummudicholamangalam 950 Tiruchirappalli Lalgudi 303 Indian Overseas Bank Lalgudi Koohur 2449 Tiruchirappalli Lalgudi 304 Indian Overseas Bank Lalgudi Alangudi Mahajanam 1581 Tiruchirappalli Kattur 305 Indian Overseas Bank Lalgudi Thinniyam 2120 Tiruchirappalli Kattur 306 Indian Overseas Bank Lalgudi Angarai 4515 Tiruchirappalli Manthurai 307 Indian Overseas Bank Manapparai Chatharapatty 875 Tiruchirappalli Manapparai 308 Indian Overseas Bank Manikandam Ammapettai 3232 Tiruchirappalli Kulathur 309 Indian Overseas Bank Mannachanallur Irungalur 6971 Tiruchirappalli Purathakudi 310 Indian Overseas Bank Mannachanallur Kannanur (E) 1850 Tiruchirappalli Samayapuram 311 Indian Overseas Bank Mannachanallur Kannanur(W) 1650 Tiruchirappalli Samayapuram 312 Indian Overseas Bank Marungapuri Thirunellipatty 4137 Tiruchirappalli Pirampatty 313 Indian Overseas Bank Marungapuri Kannivadugapatty 850 Tiruchirappalli Pirampatty 314 Indian Overseas Bank Musiri Manbarai 2271 Tiruchirappalli Pulivalam 315 Indian Overseas Bank Pullambadi Kumulur 3518 Tiruchirappalli Peruvalappur 316 Indian Overseas Bank Pullambadi Kanakiliyanallur 2665 Tiruchirappalli Peruvalappur 317 Indian Overseas Bank Thathayangarpettai Anjalam 3538 Tiruchirappalli Kolakudi 318 Indian Overseas Bank Thathayangarpettai Poolancherai 2866 Tiruchirappalli Kolakudi 319 Indian Overseas Bank Thathayangarpettai Urakarai 4180 Tiruchirappalli Thathayengarpettai 320 Indian Overseas Bank Thathayangarpettai Mahadevi 4661 Tiruchirappalli Thathayengarpettai 321 Indian Overseas Bank Thottiam Murungai 2865 Tiruchirappalli Kattuputhur 322 Indian Overseas Bank Thuraiyur Venkatesapuram 6031 Tiruchirappalli Mathurapuri 323 Indian Overseas Bank Thuraiyur Ponnusangampatty 3055 Tiruchirappalli Kannanur 324 Indian Overseas Bank Tiruvarambur Thirunedungulam 1464 Tiruchirappalli Valavanthankottai 325 Indian Overseas Bank Uppiliyapuram Okkarai 3601 Tiruchirappalli Uppiliyapuram 326 Indian Overseas Bank Uppiliyapuram Sobanapuram 6271 Tiruchirappalli Uppiliyapuram 327 Indian Overseas Bank Uppiliyapuram Koppampatty 6123 Tiruchirappalli Vairichettypalayam 328 Indian Overseas Bank Uppiliyapuram Koppamapuri 3570 Tiruchirappalli Vairichettypalayam 329 Indian Overseas Bank Uppiliyapuram Karupudaiyanpatty 1100 Tiruchirappalli Vairichettypalayam 330 Indian Overseas Bank Uppiliyapuram Alathudaiyanpatty 4521 Tiruchirappalli Pachaiperumalpatty 331 Indian Overseas Bank Uppiliyapuram Puliyanchollai 450 Tiruchirappalli Pachaiperumalpatty 332 Indian Overseas Bank Uppiliyapuram Kottapalayam 6549 Tiruchirappalli B.Mettur 333 Indian Overseas Bank Uppiliyapuram K.Kombai 750 Tiruchirappalli B.Mettur 334 Indian Overseas Bank Uppiliyapuram Balakrishnanpatty 8582 Tiruchirappalli B.Mettur 335 Indian Overseas Bank Kuruvikulam Mehendravadi 2220 Tirunelveli Keelaneelithanallur 336 Indian Overseas Bank Nanguneri Ramakrishnapuram 4057 Tirunelveli Munanjipatti

337 Indian Overseas Bank Sankarankoil Panaiyur 4683 Tirunelveli Karivalam 338 Indian Overseas Bank Sankarankoil Panthapuli 3956 Tirunelveli Karivalam 339 Indian Overseas Bank Sankarankoil Sennikulam 2256 Tirunelveli Karivalam 340 Indian Overseas Bank Sankarankoil Ariyanayagipuram 6262 Tirunelveli Pambukoilsanthai 341 Indian Overseas Bank Vasudevanallur Nagaram 2245 Tirunelveli Puliangudi 342 Indian Overseas Bank Vasudevanallur Ramasamiyapuram 3848 Tirunelveli Pambukoilsanthai 343 Indian Overseas Bank Minjur Vellakulam, 3705 Tiruvallur Ponneri 344 Indian Overseas Bank Poondi Pennalurpettai 2715 Tiruvallur Uthukottai 345 Indian Overseas Bank Tiruvalangadu Chivada 3273 Tiruvallur N N Kandigai 346 Indian Overseas Bank Tiruvalangadu Poonimangadu 1922 Tiruvallur N N Kandigai 347 Karur Vysya Bank Perundurai Pethampalayam 3215 Erode Perundurai 348 Karur Vysya Bank Andipatti Kothapatti 1496 Theni kathirnarasingapuram 349 Karur Vysya Bank Andanallur Chinna Karuppur 1265 Tiruchirappalli Jeeyapuram 350 Lakhsmi Vilas Bank Lalgudi Jangamarajapuram 3041 Tiruchirappalli Anbil 351 Lakhsmi Vilas Bank Lalgudi Mangamalpuram 2494 Tiruchirappalli Anbil 352 Lakhsmi Vilas Bank Thottiam Chithur 1850 Tiruchirappalli Thottiam 353 Lakhsmi Vilas Bank Thottiam Kaduvetty 3132 Tiruchirappalli Kattuputhur 354 Lakhsmi Vilas Bank Thottiam Alagarai 7410 Tiruchirappalli Manamedu 355 Lakihsmi Vilas Bank Thottiam Tholurpatty 12945 Tiruchirappalli Balasamuthiram 356 Lakshmi Vilas Bank Palacode Samanur 2797 Dharmapuri Marandahalli 357 Lakshmi Vilas Bank Karur Minnampalli Panchamadevi 9124 Karur Vengamedu 358 Lakshmi Vilas Bank Thanthoni Paganatham 4215 Karur Velliyanai 359 Lakshmi Vilas Bank Thuraiyur Muthayampalayam 4026 Tiruchirappalli Thuraiyur 360 Pallavan Grama Bank Harur Mampatty 3918 Dharmapuri H Eachambadi 361 Pallavan Grama Bank Harur Ponneri 3808 Dharmapuri H Veppampatti 362 Pallavan Grama Bank Harur Keelmorappur 4387 Dharmapuri H Eachambadi 363 Pallavan Grama Bank Harur Vadugapatty 2609 Dharmapuri H Eachambadi 364 Pallavan Grama Bank Harur Veerappanaikanahalli 5518 Dharmapuri H.Veppampatti 365 Pallavan Grama Bank Pappireddipatti Sitheri 7203 Dharmapuri Keeraipatti 366 Pallavan Grama Bank Palacode Golasanahalli 3360 Dharmapuri Vellichandai 367 Pallavan Grama Bank Pennagaram Kattunaickenhalli 2275 Dharmapuri B Agraharam 368 Pallavan Grama Bank Pennagaram Biliyanoor 7105 Dharmapuri B Agraharam 369 Pallavan Grama Bank Pennagaram Manjarahalli 5967 Dharmapuri Neruppur 370 Pandyan Grama Bank Ilayangudi Thayamangalam 839 Sivaganga Ilayangudi 371 Pandyan Grama Bank Kannagudi Thirupakottai 3210 Sivaganga Devakottai 372 Pandyan Grama Bank S.Pudur Valasapatti 2769 Sivaganga V.Pudur 373 Pandyan Grama Bank Alangulam Nettoor 7273 Tirunelveli Alangulam 374 Pandyan Grama Bank Ambai Brahmadesam 5874 Tirunelveli Ambai

375 Pandyan Grama Bank Kalakad Padmaneri 2685 Tirunelveli Idayankulam 376 Pandyan Grama Bank Manur Suthamalli 6575 Tirunelveli Pazhaya Pettai 377 Pandyan Grama Bank Melaneelithanallur Vannikonendal 6710 Tirunelveli Devarkulam 378 Pandyan Grama Bank Melaneelithanallur Achampatti 5064 Tirunelveli Devarkulam 379 Pandyan Grama Bank Nanguneri Singaneri 2747 Tirunelveli Moolakaraipatti 380 Pandyan Grama Bank Papakudi Pudupatti 4224 Tirunelveli Maruthamputhur 381 Pandyan Grama Bank Radhapuram Kasthurirangapuram 2805 Tirunelveli Samugarengapuram 382 Pandyan Grama Bank Radhapuram Vijayapathi 9057 Tirunelveli Radhapuram 383 Pandyan Grama Bank Radhapuram Kottaikarangulam 2960 Tirunelveli Samoogarangapuram 384 Pandyan Grama Bank Valliyoor Anaikulam 3773 Tirunelveli Valliyoor 385 Pandyan Grama Bank Valliyoor Kannanallor 3052 Tirunelveli Valliyoor 386 Pandyan Grama Bank Valliyoor Erukanthurai 3874 Tirunelveli Chettikulam 387 Pandyan Grama Bank Vasudevanallur Subramaniyapuram 3957 Tirunelveli Kottaiyur 388 Punjab National Bank Karimangalam Keragodahalli 1923 Dharmapuri Periyanahalli 389 Punjab National Bank Walajabad Poosivakkam 1736 Kancheepuram Kancheepuram 390 Punjab National Bank Manikandam Sethurapatty 2501 Tiruchirappalli Nagamangalam 391 Punjab National Bank Mannachanallur Melasreedavimangalam 1123 Tiruchirappalli Biksandarkovil 392 Punjab National Bank Pullambadi Kovandakuruchi 6172 Tiruchirappalli Dalmiyapuram 393 Punjab National Bank Melaneelithanallur Vellankulam 3198 Tirunelveli Periyasamipuram 394 Punjab Nationalbank Tiruvarangulam Mangottai 5975 Pudukkottai Vettanviduthi 395 Punjab Nationalbank Karambakudi Mullakurichi 3395 Pudukkottai Vettanviduthi 396 South Indian Bank Anthiyur Kuppandampalayama 5598 Erode Athani 397 South Indian Bank Bhavani Periyapuliyur 7352 Erode bhavani 398 South Indian Bank Gobichettipalayam P.Mettupalayam 2789 Erode Gobichettipalayam 399 South Indian Bank Kanchipuram Vishar 1747 Kancheepuram Damal 400 South Indian Bank Andanallur Gudalur 950 Tiruchirappalli Mutharasanallur 401 South Indian Bank Andanallur Murungapatty 1760 Tiruchirappalli Mutharasanallur 402 State Bank Of Hyderabad St.Thomas Mount Sittalapakkam 4989 Kancheepuram Medavakkam 403 State Bank of India Dharmapuri A Gollahalli -(Annasagaram) 3054 Dharmapuri Town Branch 404 State Bank of India Dharmapuri Adagapadi 7660 Dharmapuri Dharmapuri 405 State Bank of India Dharmapuri Mookanur 4244 Dharmapuri Town Branch 406 State Bank of India Dharmapuri Sogathur 7911 Dharmapuri Dharmapuri 407 State Bank of India Dharmapuri Ungaranahalli 5260 Dharmapuri Lakkiampatti 408 State Bank of India Morappur Keragodahalli 1649 Dharmapuri Kadathur 409 State Bank of India Morappur Linganaiyakanhalli 1762 Dharmapuri Kadathur 410 State Bank of India Morappur Madathahalli 1320 Dharmapuri Kadathur 411 State Bank of India Morappur Chinthalpadi 3568 Dharmapuri Kadathur 412 State Bank of India Morappur Karthanur 757 Dharmapuri Kadathur

413 State Bank of India Nallampalli Kammampatti 6398 Dharmapuri Thoppur 414 State Bank of India Pappireddipatti Manjavadi 4163 Dharmapuri Pappireddipatti 415 State Bank of India Pappireddipatti Menasi 5640 Dharmapuri Pappireddipatti 416 State Bank of India Palacode Kendanahalli 3004 Dharmapuri A Mallapuram 417 State Bank of India Palacode Nallur 3687 Dharmapuri A Mallapuram 418 State Bank of India Palacode Erranahalli 7625 Dharmapuri Palacode 419 State Bank of India Ammapet Singampettai 4235 Erode ammapet 420 State Bank of India Ammapet Kesarimangalam 9200 Erode sithar 421 State Bank of India Ammapet Manikkampalayam 1245 Erode sithar 422 State Bank of India Bhavani Myalmpadi 8020 Erode bhavani 423 State Bank of India Bhavanisagar Akkaraithathapalli 2358 Erode Ayyan Salai 424 State Bank of India Bhavanisagar Kothamangalam 3877 Erode Bhavanisagar 425 State Bank of India Chennimalai Kothampalayam 1154 Erode Melapalyam 426 State Bank of India Gobichettipalayam Mewani 2104 Erode Sivagiri 427 State Bank of India Gobichettipalayam Pulavakalipalayam 4442 Erode Gobichettipalayam 428 State Bank of India Gobichettipalayam Kullampalayam 2970 Erode Gobichettipalayam 429 State Bank of India Modakurichi Punjaikalamangalam 8158 Erode Modakurichi 430 State Bank of India Modakurichi Muthugoundampalayam 1623 Erode Modakurichi 431 State Bank of India Sathyamangalam Alathucombai 4399 Erode Sathyamangalam 432 State Bank of India Sathyamangalam Chikkarasamplayam 6880 Erode ADB, Sathy 433 State Bank of India Sathyamangalam Ariyappampalayam 3341 Erode ADB, Sathy 434 State Bank of India T N Palayam Kongararpalayam 5956 Erode T.N.Palayam 435 State Bank of India Acharapakkam Gudalur 1802 Kancheepuram Madurantakam 436 State Bank of India Kanchipuram Ariaperumbakkam 2638 Kancheepuram Kancheepuram 437 State Bank of India Kanchipuram Ozhakkolapattu 1742 Kancheepuram Kancheepuram 438 State Bank of India Kattankolathur Alapakkam 5015 Kancheepuram Chengalpattu 439 State Bank of India Kattankolathur Vallam 7201 Kancheepuram Chengalpattu 440 State Bank of India Kundrathur Erumaiyur 2047 Kancheepuram Somangalam 441 State Bank of India Kundrathur Poonthandalam 2086 Kancheepuram Somangalam 442 State Bank of India Lathur Kadugukpattu 1805 Kancheepuram Pavinjur 443 State Bank of India Lathur Lathur 1885 Kancheepuram Pavinjur 444 State Bank of India Lathur Nemandam 1943 Kancheepuram Pavinjur 445 State Bank of India Lathur Pachambakkam 2273 Kancheepuram Pavinjur 446 State Bank of India Lathur Paramesvaramangalam 1796 Kancheepuram Anaicut 447 State Bank of India Lathur Seevadi 1672 Kancheepuram Pavinjur 448 State Bank of India Madurantakam Pudupattu 1620 Kancheepuram Karunguzhi 449 State Bank of India Sriperumbudur Thathanur 1828 Kancheepuram Sriperumbudur 450 State Bank of India Sriperumbudur Vadamangalam 1632 Kancheepuram Sriperumbudur

451 State Bank of India Thirukalukundram Killapakkam 1697 Kancheepuram Tirukkalukundram 452 State Bank of India Walajabad Muthiyalpettai 3424 Kancheepuram Ayyampettai 453 State Bank of India Walajabad Nayakkenpettai 1621 Kancheepuram Ayyampettai 454 State Bank of India Walajabad Villivalam 1942 Kancheepuram Ayyampettai 455 State Bank of India Agasteeswaram Panchalingapuram 2001 Kanyakumari Vivekanandapuram 456 State Bank of India Rajakkamangalam Puthalam 11835 Kanyakumari Thengamputhur 457 State Bank of India K Paramathy Gudalur East 4868 Karur Thennilai 458 State Bank of India K Paramathy Gudalur West 2245 Karur Thennilai 459 State Bank of India K Paramathy Kodunthur 2107 Karur Thennilai 460 State Bank of India K Paramathy Rajapuram 3074 Karur Chinnadharapuram 461 State Bank of India Karur Nerur North 5904 Karur Vangal 462 State Bank of India Karur Nerur South 4703 Karur Vangal 463 State Bank of India Thanthoni Mookkanankurichi 7305 Karur Uppiddamangalam 464 State Bank of India Kulithalai Vaigainallur 7824 Karur Kulithalai 465 State Bank of India Aravakurichi Inanganur 1476 Karur Kovilur 466 State Bank of India Krishnarayapuram Thondamanginam 4612 Karur Panjapatti 467 State Bank of India Gandarvakottai Mudukulam 1931 Pudukkottai Gandarvakottai 468 State Bank of India Kunnandarkoil Killanur 1968 Pudukkottai Keeranur 469 State Bank of India Kunnandarkoil Kunnandarkoil 1511 Pudukkottai Keeranur 470 State Bank of India Viralimalai Kodumbalur 4967 Pudukkottai Viralimalai 471 State Bank of India Viralimalai Peraambur 4688 Pudukkottai Avoor 472 State Bank of India Tiruvarangulam Pachikottai 2575 Pudukkottai Alangudi 473 State Bank of India Ponnamaravathi Nallur 1840 Pudukkottai Ponnamaravathi 474 State Bank of India Tirumayam Arasamalai 1537 Pudukkottai Tirumayam 475 State Bank of India Aranthangi Ayingudi 855 Pudukkottai Arasarkulam 476 State Bank of India Aranthangi Pakkudi 1336 Pudukkottai Aranthangi 477 State Bank of India Aranthangi Mangudi 1522 Pudukkottai Arasarkulam 478 State Bank of India Aranthangi Sunaiyakadu 1220 Pudukkottai Silathur 479 State Bank of India Aranthangi Sengamari 532 Pudukkottai Aranthangi 480 State Bank of India Aranthangi Perungadu 2707 Pudukkottai Aranthangi 481 State Bank of India Manamelgudi Karakottai 2184 Pudukkottai Krishnajipattinam 482 State Bank of India Ilayangudi Melarangiyam 2225 Sivaganga Ilayangudi 483 State Bank of India Andipatti Anuppapatti 3725 Theni Andipatty 484 State Bank of India Andipatti Mullaiyampatti 1450 Theni Andipatty 485 State Bank of India Periyakulam Erumainaickenpatti 2780 Theni Jeyamangalam 486 State Bank of India Bodi Melachokkanathapuram 1820 Theni Bodi 487 State Bank of India Andanallur Uthamarseeli 2000 Tiruchirappalli Mannachanallur 488 State Bank of India Lalgudi Marudur 2291 Tiruchirappalli Lalgudi

489 State Bank of India Lalgudi Tirumanamedu-E 2285 Tiruchirappalli Lalgudi 490 State Bank of India Lalgudi Tirumanamedu-W 3235 Tiruchirappalli Lalgudi 491 State Bank of India Lalgudi Thanchankuruchi 2999 Tiruchirappalli ADB Lalgudi 492 State Bank of India Lalgudi Neikupai 2378 Tiruchirappalli ADB Lalgudi 493 State Bank of India Lalgudi Peruvalanallur-E 4198 Tiruchirappalli ADB Lalgudi 494 State Bank of India Lalgudi Peruvalanallur-W 332 Tiruchirappalli ADB Lalgudi 495 State Bank of India Lalgudi Manakkal-E 1303 Tiruchirappalli ADB Lalgudi 496 State Bank of India Lalgudi Manakkal-W 3524 Tiruchirappalli ADB Lalgudi 497 State Bank of India Lalgudi Ariyur 3351 Tiruchirappalli ADB Lalgudi 498 State Bank of India Musiri Tirutiyamalai 3263 Tiruchirappalli Musiri 499 State Bank of India Thottiam Tirunarayanapuram 518 Tiruchirappalli Thottiam 500 State Bank of India Thuraiyur Singilandapuram 4577 Tiruchirappalli Thuraiyur 501 State Bank of India Tiruvarambur Palanganakudi 3989 Tiruchirappalli Kamarajapuram 502 State Bank of India Tiruvarambur Poolangudi 1150 Tiruchirappalli Kamarajapuram 503 State Bank of India Ambai Ayansingampatti 3684 Tirunelveli Ambai 504 State Bank of India Kadayam Keelaambur 5784 Tirunelveli Alwarkuruchi 505 State Bank of India Kuruvikulam Alhagapuri 2033 Tirunelveli Sankarankoil 506 State Bank of India Nanguneri Thalapathysamuthiram 6696 Tirunelveli Nanguneri 507 State Bank of India Vasudevanallur Viswanathaperi 3143 Tirunelveli Sivagiri 508 State Bank of India Minjur Krishnapuram, 1488 Tiruvallur Ponneri 509 State Bank of India Uthamapalayam Lakshminaickanpatti 3278 Theni Thevaram 510 State Bank of Travancore Agasteeswaram Theroor 4326 Kanyakumari Suchindram 511 State Bank of Travancore Killiyoor Keezhkulam 7345 Kanyakumari Eniam 512 State Bank of Travancore Kurunthencode Kallukottam 16989 Kanyakumari Colachel 513 State Bank of Travancore Melpuram Malayadi 6917 Kanyakumari Kannumamoodu 514 State Bank of Travancore Melpuram Pazhukal 6917 Kanyakumari Kannumamoodu 515 State Bank of Travancore Rajakkamangalam Ganapathipuram 3711 Kanyakumari Peyode 516 State Bank Of Travancore Tiruvarambur Asoor 1850 Tiruchirappalli Tiruvarambur 517 Syndicate Bank Dharmapuri Semandakuppam 4814 Dharmapuri Dharmapuri 518 Syndicate Bank Karimangalam Kalapanahalli 3180 Dharmapuri Matlampatti 519 Syndicate Bank Karimangalam Baisuhahalli 7095 Dharmapuri Matlampatti 520 Syndicate Bank Kanchipuram Vippedu 1963 Kancheepuram Kancheepuram 521 Syndicate Bank Manamadurai Piramanur 3180 Sivaganga Thiruppuvanam 522 Syndicate Bank Sivaganga Kumarapatti 2191 Sivaganga Thmarki 523 Syndicate Bank Musiri Ammor 3520 Tiruchirappalli Gunaseelam 524 Syndicate Bank Musiri Sithambur 2559 Tiruchirappalli Gunaseelam 525 Syndicate Bank Musiri Evoor 4163 Tiruchirappalli Gunaseelam 526 Syndicate Bank Musiri Kottathur 4877 Tiruchirappalli Puthanampatty

527 Syndicate Bank Pullambadi Alambadi 1423 Tiruchirappalli Pullambadi 528 Syndicate Bank Pullambadi Viragalur 4484 Tiruchirappalli Pullambadi 529 Tamilnad Mercantile Bank Kurunthencode Reethapuram 11887 Kanyakumari Colachel 530 Tamilnad Mercantile Bank Rajakkamangalam Mela Krishnanputhor 1891 Kanyakumari Pillayarpuram 531 Tamilnad Mercantile Bank Thiruvattar Kannanoor 6785 Kanyakumari Verkilambi 532 Tamilnad Mercantile Bank Thiruvattar Aruvikarai 4523 Kanyakumari Kulasekharam 533 Tamilnad Mercantile Bank Thirupuvanam K.Pethanendal 2059 Sivaganga Poovanthi 534 Tamilnad Mercantile Bank Chinnamanur Gopalnaickenpatti 1250 Theni Odaipatty 535 Tamilnad Mercantile Bank Uthamapalayam Melachindalaicherri 2540 Theni Pannaipuram 536 Tamilnad Mercantile Bank Kelapavoor Thippanampatti 8488 Tirunelveli Pavoorchatram 537 UCO Bank Kanchipuram Thiruparuthikundram 1518 Kancheepuram Kancheepuram 538 UCO Bank Tiruvarangulam Neduvasal 2928 Pudukkottai Vadakadu 539 UCO Bank Singampunari Kirungakottai 4155 Sivaganga Singampunari 540 UCO Bank Andanallur Mullikarumbur 1442 Tiruchirappalli Somarasampettai 541 UCO Bank Manikandam Ukkadai Ariyavur 2724 Tiruchirappalli N.Kuttapattu 542 UCO Bank Manikandam Punganur 1300 Tiruchirappalli N.Kuttapattu 543 UCO Bank Mannachanallur Ulunthangudi 2050 Tiruchirappalli Mannachanallur 544 Union Bank of India Nallampalli Mademangalam 4436 Dharmapuri Dharmapuri 545 Union Bank of India Perundurai Kambiliyampatti 2214 Erode Vijayamangalam 546 Union Bank of India Sriperumbudur Molachur 6149 Kancheepuram Sunguvarchatram 547 Union Bank of India Sriperumbudur Thirumangalam 3845 Kancheepuram Sunguvarchatram 548 Union Bank of India Killiyoor Mullanginavilai 5059 Kanyakumari Marathandam 549 Union Bank of India K Paramathy Karudayampalayam 2019 Karur K.Paramathi 550 Union Bank of India K Paramathy Munnur 2438 Karur K.Paramathi 551 Union Bank of India Tirumayam Kottur 3902 Pudukkottai Nachandupatti 552 Union Bank of India Sivaganga Vaniyangudi 4330 Sivaganga Sivaganga 553 Union Bank of India Sivaganga Keelakandani 967 Sivaganga Sivaganga 554 Union Bank of India Thuraiyur Sengattupatty 5617 Tiruchirappalli Keerambur 555 Union Bank of India Thuraiyur Nagalapuram 5099 Tiruchirappalli Keerambur 556 Vijaya Bank Kallal Koothalur 2520 Sivaganga Karaikudi

New Issues 133rd SLBC

4. Extension of “Swabhimaan” – providing banking services in every villages having population of over 1600 & providing banking services in every villages having population of below 1600

I. Extension of “Swabhimaan” A) Directions from Ministry of Finance, GOI

Ministry of Finance, Government of India, have advised the revised guidelines on financial inclusion - “Extension of Swabhimaan” for providing banking services in every village having population of over 1600 by March, 2013.

SLBC identified and allotted to various banks 1660 villages with population over 1600 to 2000 as per 2001 census.

II. Providing banking services in every villages having population of below 1600

As desired by Hon’ble Chief Minister of Tamil Nadu, Banks have decided to provide banking facilities in all the villages in the State irrespective of the population. Total villages identified and allotted is 5895 villages in 31 districts under the category of 0 to 1600 population.

III. Providing Banking services in villages which were omitted earlier due to the presence of PACBs: As advised by Reserve Bank of India, SLBC identified 556 villages as unbanked villages which were not identified earlier due to the presence of PACB/PACS and allotted to various banks for coverage before march,2013.

Total No. of villages under all the categories is 8111 villages. As per monthly progress report submitted by banks only 2627 villages have been covered as of January 2013. Member Banks are requested to ensure coverage of all villages in the State by March 2013 to make our State No.1 in the country.

Member banks are requested to ensure extension of banking services to the allotted villages to the respective banks before March, 2013 as already agreed in 130th SLBC meeting held on 28.06.2012, 131st Meeting held on 27.09.2012 132nd meeting held on 28.12.2012 and Special SLBC meeting held on 30.01.2013.

As the progress report is to be keyed in directly in the Ministry of Finance website by SLBC before 5th of every month, all the participating banks are requested to submit the monthly progress report (SW3- format enclosed) in all the category separately to SLBC by the 5th of every succeeding month without fail.

Progress report under Financial Inclusion as of January 2013

Total No. of Total No. of Total No. of villages villages with villages with Total Villages Total No. of Total No. of allotted to Sl. population population allotted Villages villages to be Name of Bank the Bank No. of 1600-2000 of 0-1600 under both covered in all covered under under the allotted to allotted to category the category all the category PACS/PACB the Bank the Bank category A. PSBs 1 Allahabad Bank 1 0 1 2 0 2 2 Andhra Bank 1 3 1 5 1 4 3 Bank of Baroda 34 80 16 130 21 109 4 Bank of India 43 112 16 171 63 108 5 Bank of Maharastra 0 1 0 1 0 1 6 Canara Bank 161 461 60 682 311 371 7 Central Bank of India 51 214 27 292 21 271 8 Corporation Bank 28 103 4 135 23 112 9 Dena Bank 1 4 0 5 5 0 10 Indian Bank 377 1527 100 2004 630 1374 11 Indian Overseas Bank 298 992 111 1401 757 644 12 Oriental Bank of Commerce 2 1 0 3 2 1 13 Punjab National Bank 18 57 8 83 0 83 14 State Bank of India 339 1114 107 1560 509 1051 15 State Bank of Mysore 5 19 0 24 0 24 16 State Bank of Hyderabad 0 0 1 1 0 1 17 State Bank of Travancore 6 4 7 17 0 17 18 Syndicate Bank 29 53 12 94 0 94 19 UCO Bank 11 41 7 59 0 59 20 Union Bank of India 46 174 12 232 0 232 21 United Bank of India 0 1 0 1 0 1 22 Vijaya Bank 2 14 1 17 1 16 Sub - total (PSBs) 1453 4975 491 6919 2344 4575

Progress report under Financial Inclusion as of January 2013

Total No. of Total No. of Total No. of villages villages with villages with Total Villages Total No. of Total No. of allotted to Sl. population population of allotted Villages villages to be Name of Bank the Bank No. of 1600-2000 0-1600 under both covered in all covered under under the allotted to allotted to category the category all the category PACS/PACB the Bank the Bank category B RRBs 1 Pallavan Grama Bank 31 143 10 184 60 124 2 Pandyan Grama Bank 70 431 18 519 111 408

Sub-total ( RRBs) 101 574 28 703 171 532

C. Private Banks 1 Axis Bank 1 3 0 4 0 4 2 Catholic Syrian Bank Ltd. 2 3 0 5 1 4 3 City Union Bank Ltd. 28 68 1 97 50 47 4 Dhanalakshmi Bank Ltd. 1 4 0 5 0 5 5 Federal Bank Ltd. 1 4 2 7 1 6 6 HDFC Bank Ltd. 1 3 1 5 0 5 7 ICICI Bank 21 73 6 100 8 92 8 ING Vysya Bank Ltd. 3 12 0 15 3 12 9 Karur Vysya Bank Ltd. 15 35 3 53 3 50 10 Lakshmi Vilas Bank Ltd. 17 55 10 82 1 81 11 South Indian Bank Ltd. 4 22 6 32 4 28 12 Tamilnad Mercantile Bank 12 64 8 84 41 43

Sub- total ( Pvt. Banks) 106 346 37 489 112 377 Grand Total ( PSBs+ RRBs+ Pvt. Banks) 1660 5895 556 8111 2627 5484

New Issues 133rd SLBC

5. Campaign to ensure at least one Bank Account for each family in all villages and urban areas.

Ministry of finance, Government of India advised banks to launch a campaign to ensure each family living in the FI villages has an account with the branch to facilitate electronic benefit transfer of subsidies under the 32 schemes of Govt. of India

Ministry of Finance, Government of India has clarified that opening of accounts should not be restricted only to FI Villages and the campaign should cover all the rural villages and urban areas by banks in their service area.

All the member banks and Lead Districts Managers are requested to carry on the campaign for opening of accounts as per the directives. All member banks are requested to submit the monthly progress report on or before 4th of every succeeding month to SLBC.

The latest bank wise position as of 31st January 2013 in opening bank accounts for each family is enclosed. The percentage of households having bank accounts in the State has gone up to 72.50% from 52.50% after the launch of the campaign. All the member banks are requested to expedite to complete coverage of 100% of the households by March, 2013.

STATE LEVEL BANKERS' COMMITTEE, TAMIL NADU CONVENOR : INDIAN OVERSEAS BANK

Total number of accounts opened by banks during the Campaign to Ensure at Least One Bank Account for each family in all villages and urban areas Total Number of Accounts S.No Name of the Bank Opened upto January 2013

1 Allahabad Bank 44881 2 Andhra Bank 6770 3 Axis Bank Ltd., 0 4 Bank of Baroda 158209 5 Bank of India 57290 6 Bank of Maharashtra 0 7 Canara Bank 463632 8 Catholic Syrian Bank Ltd. 17892 9 Central Bank of India 77113 10 City Union Bank Ltd. 32241 11 Corporation Bank 5374 12 Dena Bank 7899 13 Dhanalakshmi Bank Ltd. 278 14 Federal Bank Ltd. 217 15 HDFC Bank Ltd 1670 16 ICICI Bank Ltd 16894 17 IDBI Bank Ltd 0 18 Indian Bank 476382 19 Indian Overseas Bank 985190 20 Indus Ind Bank Ltd 0 21 ING Vysya Bank Ltd. 35857 22 Jammu & Kashmir Bank Ltd 0 23 Karnataka Bank Ltd. 0 24 Karur Vysya Bank Ltd. 8113 25 Kotak Mahendra Bank Ltd 0 26 Lakshmi Vilas Bank Ltd. 0 27 Oriental Bank of Commerce 1771 28 Pallavan Grama Bank 20054 29 Pandyan Grama Bank 195398 30 Punjab & Sind Bank 0 31 Punjab National Bank 87749

STATE LEVEL BANKERS' COMMITTEE, TAMIL NADU CONVENOR : INDIAN OVERSEAS BANK

32 South Indian Bank Ltd. 40711 33 State Bank of Bikaner & Jaipur 0 34 State Bank of Hyderabad 3536 35 State Bank of India 692937 36 State Bank of Mysore 3717 37 State Bank of Patiala 3524 38 State Bank of Travancore 102340 39 Syndicate Bank 91653 40 Tamil Nadu State Apex Co-op 0 41 Tamilnadu Mercantile Bank Ltd 2838 42 U C O Bank 19281 43 Union Bank of India 41718 44 United Bank of India 0 45 Vijaya Bank 7998 TOTAL 3711127

New Issues 133rd SLBC

6. Allocation of Revised Targets for Educational loans by Government of India:

Ministry of Finance, Government of India vide their letter dated 11.10.2012 has advised revised targets for education loan for all the banks including private sector banks, Regional Rural Banks and Co-operative Banks. SLBC vide letter dated 15.10.2012 advised the revised targets to all the Public Sector, Private Sector banks, RRBs and Co-operative Banks. The total revised educational loan outstanding target for Tamil Nadu is Rs 14273.65 crores with a physical target of 9, 50,150 accounts for the year 2012-13.

Banks have reached the educational loan outstanding of Rs. 13880.69 crore against the target of Rs. 14,273.65 Crore and No. of accounts is 881707 against 9, 50,150 accounts as of January 2013. All the member banks are requested to expedite achievement of educational loan target before March, 2013.

Bank wise outstanding position as of 31st January, 2013 in educational loan is enclosed.

The member banks are requested to furnish the progress to SLBC on or before 5th of every succeeding month without fail.

STATE LEVEL BANKERS' COMMITTEE, TAMIL NADU CONVENOR : INDIAN OVERSEAS BANK PROGRESS REPORT ON EDUCATIONAL LOANS AS ON 31.01.2013 (Rs in Crore) Outstanding Target given Amount Sl. No. of No.of Bank by MOF as O/S as on No A/Cs A/Cs on 31.01.2013 31.03.2013 1 Allahabad Bank 3333 64.74 3191 61.63 2 Andhra Bank 6565 116.36 5872 104.93 3 Bank of Baroda 19404 320.75 18400 288.60 4 Bank of India 33966 510.52 30244 486.00 5 Bank of Maharashtra 1272 24.43 1171 24.43 6 Canara Bank 113974 1785.85 108069 1701.30 7 Central Bank of India 38311 533.94 39153 528.71 8 Corporation Bank 19222 294.18 15417 293.41 9 Dena Bank 4163 35.47 1852 34.52 10 Indian Bank 201421 3005.20 175104 2945.72 11 Indian Overseas Bank 141925 2079.84 158245 2101.63 Oriental Bank of 12 4268 75.00 3647 69.79 Commerce 13 Punjab National Bank 16230 240.18 14696 240.66 14 Punjab & Sind Bank 181 4.40 197 3.69 15 State Bank of B & J 2099 29.42 1801 20.78 16 State Bank of Hyderabad 2529 47.60 2242 44.77 17 State Bank of India 180913 2811.06 166362 2729.88 18 State Bank of Mysore 5748 110.02 5049 99.16 19 State Bank of Patiala 332 9.65 315 9.91 20 State Bank of Travancore 15198 253.36 13578 245.09 21 Syndicate Bank 41228 453.52 26691 441.32 22 UCO Bank 15356 286.42 14101 266.64 23 Union Bank of India 33347 450.23 26691 435.23 24 United Bank of India 2257 32.08 1142 23.54 25 Vijaya Bank 5212 89.36 4883 80.58 Other Public Sector Bank 26 IDBI 891 19.51 1077 23.42 Total 909345 13683.08 839190 13305.34

STATE LEVEL BANKERS' COMMITTEE, TAMIL NADU CONVENOR : INDIAN OVERSEAS BANK PROGRESS REPORT ON EDUCATIONAL LOANS AS ON 31.01.2013 (Rs in Crore) Outstanding Target given Amount Sl. No. of No.of Bank by MOF as O/S as on No A/Cs A/Cs on 31.01.2013 31.03.2013 B Private Sector Bank 1 Axis Bank Ltd. 702 11.03 619 10.60 2 Catholic Syrian Bank Ltd. 1004 18.62 1007 17.20 3 City Union Bank Ltd. 3847 100.12 7672 108.26 4 Dhanalakshmi Bank Ltd. 86 4.15 417 5.80 5 Federal Bank Ltd. 820 13.30 671 14.65 6 HDFC Bank Ltd. 1270 29.68 968 17.96 7 ICICI Bank Ltd. 1418 6.56 1317 8.07 8 Indus Ind Bank Ltd. 35 0.25 35 0.41 9 ING Vysya Bank 121 5.21 347 4.72 10 Jammu & Kashmir Bank 82 0.82 70 0.62 11 Karnataka Bank Ltd. 1029 21.10 879 20.38 12 Karur Vysya Bank Ltd. 7244 75.59 6931 98.05 13 Kotak Mahindra Bank Ltd. 0 0.00 0 0.00 14 Lakshmi Vilas Bank Ltd. 6530 84.50 6199 83.93 15 South Indian Bank Ltd. 2542 24.54 2597 29.49 16 Tamilnad Mercantile Bank 10006 136.00 9415 126.24 Sub Total (B) 36733 531.46 39144 546.38

C Regional Rural Banks Pandiyan Grama Bank 1669 20.28 1488 17.38 Pallavan Grama Bank 751 10.64 658 9.03 Sub Total ( C ) 2420 30.92 2146 26.41

D Cooperative Banks 1651 28.188 1427 2.56 Sub Total (D) 1651 28.188 1227 2.56

GRAND TOTAL(A+B+C+D) 950150 14273.65 881707 13880.69

New Issues 133rd SLBC

7. Ultra Small Branch (USB)

Ministry of Finance, Government of India advised that at places where the opening a conventional Brick & Mortar Branch is presently not viable, the Bank may set up USBs.

When the Bank reaches the desired level of business, the USB can be upgraded into a regular Bank Branch.

In Tamil Nadu banks have covered 4445 villages with a population of 2000 and above under Financial Inclusion. Banks have opened 3359 USBs in the State as on 31.01.2013. The bank wise data on USBs opened in the state is enclosed.

Member banks are requested to expedite opening of Ultra Small Branches in the remaining villages wherever BCs are engaged and ensure 100 % achievement as per the guidelines of Ministry of Finance.

The member banks are requested to furnish the progress to SLBC on or before 5th of every succeeding month without fail.

Bank-wise Data for Establishment of Ultra Small Branches up to January 2013 Total Number of Establishment of USBs - Of Col 4, No. of BCA villages allotted No .of BCAs locations for which under FI appointed in S. Name of the Bank (Population the villages Officer for No above 2000) to indicated in Space for USB Laptop Weekly Visit be covered by Col 3 Identified Procured Designated BCA

(1) (2) (3) (4) (5) (6) (7) PUBLIC SECTOR BANKS 1 Allahabad Bank 8 8 0 0 0 2 Andhra Bank 10 10 10 0 5 3 Bank of Baroda 82 80 24 77 0 4 Bank of India 117 117 0 0 0 5 Canara Bank 455 455 134 134 134 6 Central Bank of India 117 117 59 116 0 7 Corporation Bank 91 91 0 0 0 8 Indian Bank 932 932 932 932 223 9 Indian Overseas Bank 800 787 800 800 349 10 Oriental Bank of Commerce 2 2 0 0 0 11 Punjab National Bank 46 46 6 6 6 12 State Bank of India 918 918 327 918 327 13 State Bank of Mysore 6 6 0 0 6 14 State Bank of Travancore 6 6 6 0 6 15 Syndicate Bank 48 48 48 44 17 16 UCO Bank 32 32 0 0 0 17 Union Bank of India 121 121 70 77 23 18 Vijaya Bank 9 9 3 3 0 SUB TOTAL 3800 3785 2419 3107 1096

(1) (2) (3) (4) (5) (6) (7) PRIVATE SECTOR BANKS 19 Axis Bank Ltd 0 0 0 0 0 20 Catholic Syrian Bank Ltd. 1 1 2 0 0 21 City Union Bank Ltd. 42 42 1 1 0 22 Dhanalakshmi Bank Ltd. 1 1 0 0 0 23 HDFC Bank Ltd. 1 1 0 0 0 24 ICICI Bank Ltd. 64 64 0 0 0 25 ING Vysya Bank Ltd. 2 2 0 0 0 26 Karur Vysya Bank Ltd 42 42 0 0 0 27 Lakshmi Vilas Bank Ltd. 49 49 0 0 0 28 South Indian Bank Ltd. 30 30 0 12 0 29 Tamilnad Mercantile Bank 32 32 32 0 SUB TOTAL 264 264 35 13 0

REGIONAL RURAL BANKS 30 Pandyan Grama Bank 179 179 179 179 124 31 Pallavan Grama Bank 58 58 29 60 0 SUB TOTAL 237 237 208 239 124

GRAND TOTAL 4301 4286 2662 3359 1220

New Issues 133rd SLBC

8. Detection of Counterfeit Bank Notes –Revised Procedure Advised by RBI

SLBC placed a detailed agenda in its 127th Meeting held on 16.09.2011 along with the detailed circular issued by Reserve Bank of India dated 25.07.2011 and requested all the member banks to submit monthly progress report in the following format:

Particulars of the Date of detection Denomination or Security features tenderer pieces breached

SLBC requested the member banks vide their letter 09.05.2012 and also through request letters every quarter to submit the monthly progress report by 5th of every succeeding month. The member banks were also reminded through letters, e-mails and over phone for submission of the report.

During the 132nd Meeting of the SLBC, CGM, Reserve Bank of India advised the defaulting Banks to submit the data to SLBC without fail. Despite all the above attempts, data from the following banks was not received for the month of December 2012:

Andhra Bank Axis Bank Ltd Bank of India Federal Bank Bank of Maharashtra ICICI Bank Central Bank of India Jammu & Kashmir Bank Ltd. Corporation Bank Karnataka Bank Ltd. Indian Bank Tamilnadu State Apex Co-op. Bank Oriental Bank of Commerce TANSARD Bank Punjab & Sind Bank Citi Bank State Bank of Travancore HK&SB Syndicate Bank SBO M UCO Bank AEB United Bank of India BNP IDBI Bank Ltd. Cr.Lyon

All the member banks are requested to submit the progress report before 5th of every succeeding month without fail. A –NIL- statement is to be submitted if there is nothing to report.

New Issues 133rd SLBC

9. Financial Inclusion – Drive to open Bank Accounts for Migrant labourers, Street Vendors / Hawkers in Urban Areas

Ministry of Finance, Government of India advised Banks to initiate a special drive to open accounts of migrant labour and street vendors / hawkers in Urban Areas in order to inculcate saving habits and to extend banking facilities to them.

SLBC has launched a special campaign for a period of one month w.e.f.10.12.2012 in Tamil Nadu for opening of the accounts of migrant labourers. SLBC has also established a 24x7 Toll Free number and a separate e mail ID for grievance redressal during the campaign of one month period.

The special campaign ended on 10.01.2013. Member banks have opened 32444 accounts of the Migrant Labourers, Vendors and Street Hawkers during the campaign period of one month. So far 73547 accounts of Migrant labourers, vendors and street hawkers have been opened by banks since01.04.2012.

The member banks are requested to advise their branches in Tamil Nadu to continue opening of accounts of the migrant labourers, vendors and street hawkers and to achieve 100% coverage before March, 2013.

New Issues 133rd SLBC

10. Revival, Reform and Restructuring Package for Handloom Sector

The Revival, Reform and Restructuring package is announced by Government of India to promote the weavers/handloom sector and the implementation process of the same has already commenced from 2011-12. Operational guidelines in respect of claims for interest subvention and waiver of individual weaver loans have been issued to all banks vide our letters dated 25.01 2012 and 17.02.2012.

Government of India allocated a target of 20,000 Weavers Credit Cards for Tamil Nadu. Department of Handlooms and Textiles have so far sent 29283 applications to banks through LDMs of the 20 implementing districts as advised by Additional Director during the video conference held on 21.02.2013..

The targets were allotted during June, 2012. The progress under the scheme for issuance of Weavers Credit Card by banks as of January 2013 is only 3664 cards to the tune of Rs.997.48 lacs and disbursements to the tune of Rs.538.75 lacs has been done so far.

We have been advised by member banks / LDMs that the following are the impediments in sanction of weavers’ credit cards:

1. Some of the applicants when contacted by the branch, express their unwillingness to avail the credit.

2. Banks find during pre sanction inspection that many applicants are found to be not in weaving profession at present and engaged in some other vocation.

3. Many applicants are found to be existing NPA defaulters of the banks.

4. The weavers are not holding any valid ID cards in many places. The validity of the cards expired long back and not renewed by the State Government. The Director, Department of Handloom and Textiles, Government of Tamil Nadu is requested to issue directions to the Asst. Directors to send only valid applications. The member banks should not keep any valid applications pending for the above reasons and advised to dispose of all the pending valid applications on merits before 31.03.2013.

New Issues 133rd SLBC

11. Mahatma Gandhi National Rural Employment Generation Scheme (MGNREGS) The meeting of the core committee on payment of MGNREGS wages through banks was held on 17.10.2012 and the minutes of the meeting was forwarded to all member banks and Lead District Managers for immediate action. A special SLBC meeting was convened on 03.12.2012 and the minutes thereof was forwarded to all the member banks.

It was decided in the meeting that Rural Development Department will facilitate 100 % opening of Bank accounts entry into the NREGS website and verification of these accounts of each individual by District level APO (WE) DRDA by 05.12.2012 and also ensure forwarding of the verified data to the respective banks by 05.12.2012.

As the banks are yet to get the full data from the pilot districts, the validation process could not be completed. Rural Development Department is requested to send the full data to the respective banks at the earliest to enable them to verify and validate.

New Issues 133rd SLBC

12. Swaraojgar Credit Card (SCC) Scheme- Target for 2012-13

NABARD, Chennai vide their letter dated 01.11.2012 advised the bank wise targets under Swarojgar Credit Cards (SCC) Scheme for 2012-13. NABARD’s letter along with the bank wise targets was placed in as an agenda item in the 132nd meeting of the SLBC.

The member banks were advised to fix up district wise / branch wise targets to their branches in the State and to monitor the progress and ensure achievement of targets during the current year 2012-13.

The member banks are requested to submit quarterly progress reports in the prescribed formats (Annexure-II-A and Annexure-II-B) directly to NABARD in time.

New Issues 133rd SLBC

13. T.N.Government’s Scheme for Poultry Development:

Government of Tamil Nadu launched a scheme for Poultry Development in districts other than Namakkal, Erode, Salem, Coimbatore, Tiruppur and The Nilgiris. The scheme aims to promote broiler units with 1000-5000 birds and 250 birds units in the case of country chicken. The details of the scheme were placed in the 132nd meeting of the SLBC.

The small committee of the bankers discussed further on the tripartite agreement and suggested certain changes. Department of Animal Husbandry in consultation with the integrators carried out the suggested modifications. The format of the agreement was finalized and circulated among the member banks already by SLBC and a copy is enclosed below for the ready reference of member banks .

The member banks are requested to dispose the pending applications at the earliest and to claim subsidy from the State Government and NABARD.

Roc.No.75224/PP2/2011 O/o Director of Animal Husbandry & Veterinary Services,DMS Campus Chennai-600 006 Date: 31/01/2013

From DR.R.Palaniswamy I.A.S., Director of Animal Husbandry & Veterinary Services, DMS Campus Chennai-600 006.

To The Convener, SLBC, Indian Overseas Bank, Central Office Chennai-600 002.

Sir,

Sub: Animal Husbandry Department – Scheme for Poultry Development – Certain moderations to the Tripartite agreement – req - reg.

Ref: 1. G.O Ms. No. 106 Animal Husbandry, Dairying and Fisheries (poultry) Dept dated 22.06.12. 2. ROC. NO.75224/PP2/2012 dated 21.01.2013 of the Director of Animal Husbandry and Veterinary Services, Chennai-6.

In continuation to the reference 1st cited, a tripartite agreement was prepared and circulated. However, the integrators had intimated that certain clauses in the agreement were inimical to their interests and they had requested for certain moderations.

In response to that, the Director of Animal Husbandry and Veterinary Services had suggested certain modifications to be incorporated in the tripartite agreement and had circulated to the SLBC to finalise the agreement so that the Scheme can be implemented for the benefit of the farmers.

Accordingly, the SLBC had conducted a sub-committee meeting on 29.01.2013 at the Indian Overseas Bank, Central Office, Chennai -2 to discuss the highlighted issues. Subsequently, The Director of Animal

Husbandry held discussions with the representatives of integrators on 30th January 2013 and with the Sub Committee members of the SLBC on 31st January 2013 for finalizing the tripartite agreement. Based on the discussions, the tripartite agreement is now finalized.

Sd/- R.Palaniswamy Director of Animal Husbandry & Veterinary Services, Chennai-600 006. Copy to: The Secretary to Government, Animal Husbandry, Dairying &Fisheries Department Chennai-9. Copy to: The Banks concerned, Copy to: The District Collectors concerned Copy to: The concerned Regional Joint Director of Animal Husbandry

“SCHEME FOR POULTRY DEVELOPMENT” TRIPARTITE AGREEMENT FOR BROILER CONTRACT FARMING

This deed of agreement entered into this ______day, of ______2012 between M/s. ______a Private / Public Limited Company / Partnership / Proprietary firm carrying business at ______hereinafter called the party of the 1st part and Shri ______S/o.______residing at ______hereinafter called party of 2nd part and ______Bank having its headquarters at ______and acting through its ______branch hereinafter referred as the party of the 3rd part.

The three parts together make parties and be known as parties.

The 1st party is engaged in the business of production and sale of broiler chicks and poultry feed and for this purpose appoints the party of 2nd part to grow, develop, maintain and supervise the chicks into fully grown meat broiler birds on prescribed terms and condition laid by the 1st party. The 2nd party has to construct the sheds for the purpose of growing the chicks and install suitable feeding and drinking equipments as per the technical specifications required for broiler farming advised by the Department of Animal Husbandry, Govt of Tamilnadu. The 3rd party will extend all necessary financial support to the second party for construction of shed and purchase of feeders and drinkers as per the scheme guidelines formulated by Department of Animal Husbandry, Govt of Tamilnadu. The terms party of 1st part, 2nd part and 3rd part in the agreement shall include its / his / her / their legal heirs, partners, nominees, executors, administrators and assigns.

NOW THIS DEED WITNESSES AS FOLLOWS:

1. The 1st party and the 3rd party are responsible for identification and selection of the 2nd party as beneficiaries under the scheme subject to satisfactory compliance of the 2nd party to the terms and conditions of 1st and 3rd party.

2. The 2nd party is the absolute owner of the land and the shed where the chicks are to be grown. In case the 2nd party is not the owner, he / she shall produce to the 1st & 3rd parties the documents to prove that he / she is in lawful possession of the land or the

agreement entered into between the owner of the land and the 2nd party, and obtain the permission of the 1st & 3rd parties. In this regard, the 2nd party shall ensure that the interests of the 1st & 3rd parties are not affected in any manner by his / her agreement with the land owner.

3. The 2nd party has to provide his / her own farms sheds with proper approach roads, electricity and drinking water facility situated at Survey No. ______measuring ______at ______village, ______taluk, ______district, Tamilnadu.

4. The 3rd party will finance the genuine requirements of the 2nd party at its sole discretion and as per the guidelines of “Scheme of Poultry Development” for construction of sheds and purchase of feeders and drinkers. The 2nd party will bring in the necessary margin stipulated in the scheme upfront for construction of the broiler shed within the specified time schedule. The 2nd party shall comply to the lending terms and conditions of the 3rd party.

5. The 3rd party on sanction of the credit facilities to the 2nd party will intimate the 1st party in writing about the loan arrangement between the 2nd and 3rd party and the account details through which the growing charges has to be routed by the 1st party. The 1st party will acknowledge the receipt of the information within a week’s time to the 3rd party in writing.

6. The 1st party shall at its expense supply one day old viable quality Broiler chicks to the 2nd party for growing in his/her sheds.

7. The 1st party agrees to supply quality poultry feed, vaccines and medicines for the chicks to the 2nd party without any time delay and the 2nd party shall administer the feed, vaccines and the medicine to the chicks as per the instructions of the 1st party from time to time without fail.

8. The authorised personnel appointed by the 1st party shall inspect / supervise the chicks grown by the 2nd party at any time and the 2nd party shall not object to such inspection. The 2nd party shall also carry out the instructions and guidance of the

authorised personnel of the 1st party. Likewise the 3rd party reserves the right to inspect the farm at any time till closure of the loan.

9. The 1st party further agrees to supply a minimum of 5 batches of birds per year, subject to 2nd party ‘s performance and to the satisfaction of the 1st party.

10. The 2nd party agrees to grow the birds up to 6- 7 weeks period utilizing the feed, medicines, vaccination given by the 1st party and also follow the growing practices as advised by the 1st party or the nominees authorized by them.

11. In case of death or disease of chicks / birds, the 2nd party shall immediately inform the 1st party personally or through telephone and shall not dispose the dead chick / bird until the 1st party or its authorized personnel inspects the same. The dead chicks shall be disposed / removed only with the approval of the 1st party. If the 2nd party fails to show the dead chicks / birds to the 1st party, the 1st party shall be entitled to recover the amount at the rate of existing value of the dead chicks / birds.

12. The 2nd party shall deliver possession of the grown up birds to the 1st party within 6 to 7 weeks of its handing over as per the delivery schedule decided by the 1st party. The 1st party shall make arrangements for weighing and transportation of the birds at their own cost at the time of lifting the birds from the farm.

13. The 1st party shall pay to the 2nd party a minimum growing charge of Rs 3.50 per kg live weight of broilers weighed at the time of lifting from the farm. The 2nd party is also entitled for a higher growing charge to be paid by the 1st party provided the 2nd party produces satisfactory results in terms of efficient Feed Conversion Ratio (F.C.R), excellent livability and reduced cost of production. This is purely based on the performance of the 2nd party and it may be lower than the above, in case where the required performances are not achieved or any malpractices in the operations. If the management performance of the 2nd party is not satisfactory to the 1st party, the 1st party should inform immediately to the 3rd party without fail before taking any decision.

14. The 1st party agrees to route the growing charges to be paid to the 2nd party only through the Savings bank account of the 2nd party held with the 3rd party. The growing charges will be paid by the 1st party to the 2nd party within 10 days from the date of lifting of the birds from the farm. However the 1st party is not liable for any payment on the due dates of loan advanced by the 3rd party to the 2nd party.

15. Under no circumstances the 1st party should indulge in payment of growing charges directly to the 2nd party by way of cash or through any other means. Likewise any advance required by the 2nd party from the 1st party in cash or kind, the same should be authorised in writing by the 3rd party.

16. All the three parties agree that the minimum growing charges fixed at the time of execution of the agreement is subject to annual revision on mutual agreement between the parties based on the market price trend of broilers and cost of other inputs involved.

17. The period of Agreement shall be for the tenure of the term loan or 3 years, whichever is higher from the date of execution of this agreement which shall be further renewed for a further period on such terms and conditions as may be mutually agreed between the parties, subject to the renewal of the Chick Growing Agreement between the 1st party, his guarantor and 2nd party. On the date of expiry of the agreement, if the chicks are in possession of the 2nd party in the growing stage, the agreement will be in force to a maximum period of 2 months from the date of expiry till the batch of chicks are grown up.

18. The 1st party undertakes to inform the 3rd party in writing any misconduct, theft, negligence observed on part of the 2nd party resulting in loss to the 1st party. Likewise the 1st party should intimate the 3rd party on the attrition of the 2nd party to other integrators within a period of 30 days from the time of snapping of the ties between the 1st and 2nd party.

19. The 2nd party agrees that the 1st party is the lawful owner of the broiler chicks and that the 2nd party has no right / claim over the birds. The 2nd party undertakes not to encumber or transfer the chicks and any such transfer made by him shall not be lawful. The 2nd part is will be custodian of the chicks, medicines, feeds etc supplied by the 1st party and shall diligently carry out his / her responsibilities. The 2nd party 51

shall display a notice board in the shed stating that the chicks in the shed belong to the 1st party. Likewise the 2nd party should also prominently display that the sheds and the equipments are hypothecated/mortgage to the 3rd party.

20. The 1st and 2nd party will keep batch wise set of accounts and other records as to the chicks, feed, medicines supplied and growing charges paid etc for future reference.

21. The parties hereby agree that the agreement shall not be discontinued except for valid reasons. In case of any dispute with regard to the agreement between the parties, the same shall be settled by mutual discussion and in case of any legal dispute; the parties shall be subject to the jurisdiction of Courts at Coimbatore. 22. All the guidelines that are provided in the GO.Ms.No.106, Animal Husbandry, Dairying and Fisheries (Poultry) Department, Dated: 2.06.12, for the Scheme for Poultry Development shall be binding on all the concerned parties. In the event of any disagreements on any of the clauses, the matter shall be referred to the District Collector for redressal and settlement.

SIGNATURE OF THE 1ST PARTY SIGNATURE OF THE 2ND PARTY SIGNATURE OF THE 3RD PARTY

Witness : ( Signature, Name & Address )

1. 1. 1.

2. 2. 2.

New Issues 133rd SLBC

14. Moratorium and special dispensation for term loan installments - & interest for industries and agriculture sectors due to Power crisis in Tamil Nadu:

Ministry of Finance, Government of India vide their letter dated 15.11.2012 forwarded a copy of the representation from the Indian Chamber of Commerce and Industry, requesting a moratorium of one year for term loan installments and interest for the industries in Coimbatore District due to the acute power crisis prevailing in the State.

a) A special meeting of the DLCC, Coimbatore was conducted on 30.11.2012 and DCC unanimously accepted the views of ICCI and decided to forward the request to SLBC for onward transmission to RBI.

b) A special meeting of SLBC, Tamil Nadu was conducted on 03.12.2012 where the issue was discussed in length.

SLBC recommended to Reserve Bank of India to approve a special dispensation package for a period 1 ½ years for industries and agriculture sector in the State.

RBI vide their letter dated 06.02.2013 advised that “It has however, not been found feasible to accede to request of SLBC to provide special dispensation / moratorium on recovery / repayment of loan relating to Industrial / Agricultural sector”.

The decision of RBI was intimated to all the member banks and Lead District Managers and Indian Chamber of Commerce and Industry, vide SLBC letter dated 15.02.2013.

Member banks are advised to follow the guidelines given in RBI’s letter dated 06.02.2013, a copy of which is enclosed for reference.

New Issues 133rd SLBC

15. Revival of the stalled Residential Projects:

We enclose a copy of the letter from National Housing Bank on the captioned subject.

All member banks are advised to submit to NHB immediately a list of all such semi- constructed projects with their location details (approvals received / not received) together with remarks about non completion / semi-completion etc. which may be considered viable by the banks for funding and completing the project.

As directed by Ministry of Finance the progress on the captioned subject will be monitored and reviewed regularly at the SLBC meetings, banks are advised to take necessary actions in this regard and advise the developments to SLBC.

New Issues 133rd SLBC

16.Tamil Nadu Government’s G.O.Ms.48 dated 13.02.2013 on Drought in 31 districts of the State:

 Tamil Nadu Government has declared all the 31 districts in the State except Chennai as hit by drought vide their G.O. dated 13.02.2013.  The State received 24% and 16% less rainfall than the average during South West and North East Monsoons  The water could not be released to the Cauvery Delta Districts from Mettur Reservoir due to non release of water from the neighbouring state  Hon’ble Chief Minister formed a High Level Committee to assess the damage due to drought in all the districts of the State.

Based on the report of the High Level Committee,

1) The Hon’ble Chief Minister declared all the 31 districts except Chennai District as drought hit districts. 2) A compensation of Rs.15,000/-, per acre will be given in the area, where yield loss is more than 50% in the Cauvery delta districts for 3.61 lac acres of affected crops owned by 1.75 lac farmers has been ordered. 3) If the damage caused to the standing crop is less than 50%, the farmer will get compensation to the extent of the damage, after obtaining necessary permission from the concerned Insurance company. 4) The compensation amount will be credited to the bank accounts of the farmers. 5) The banks should not adjust the compensation amount to the existing crop loan dues of the farmers. 6) The farmers who receive the compensation amount from the Government should refund the crop insurance claim settled to them if any, for which beneficiaries have to give an undertaking since Government has paid the insurance premium for all the farmers in the Cauvery delta area.

7) The Government will be taking up various drought relief measures in all the districts to the tune of Rs.1517 crores under MGNREGS, by extending the minimum working days from 100 days to 150 days. 8) The Government is also taking up relief measures like establishment of fodder reserves, inland fisheries in farm ponds, providing drinking water facilities in Municipalities and Municipal Corporations etc.

 The Government has also ordered rescheduling of loans availed by the farmers from Co-operative credit institutions.

A special meeting of the SLBC, Tamil Nadu was conducted on 26.02.2013 to discuss the implementation of various relief measures to be extended to farmers in 31 districts of the state declared as drought hit. It was clarified in the meeting that the notification date can be taken as for restructuring of loan accounts. It was further clarified that, the asset classification of the restructured accounts as on the date of natural calamity will continue if the restructuring is completed within a period of three months from date of notification of natural calamity.

It was also clarified that banks can proceed with the restructuring of loans of the affected farmers without waiting for the Annewari certificate from the individual District Collectors as the State Government has declared all the 31 districts as drought hit and remission of land tax for the entire State has been provided in the G.O.

Member banks may refer to RBI Master circular dated 02.07.2012 on “Guidelines for Relief Measures by Banks in areas affected by Natural Calamities” and act accordingly. A copy of RBI circular and T.N.Government’s order Ms.48 dated 13.02.2013 enclosed for ready reference.

We also enclose a copy of the communication from Ministry of Finance dated 17.09.2012 advising about the availability of interest subvention of 2% on the full restructured amount also.

New Issues 133rd SLBC

17. Implementation of SJSRY-RBI Guidelines:

Reserve Bank of India vide their communication dated 01.01.2013 addressed to the CMDs of all scheduled commercial banks (excluding RRBs) advised that instances of non-co operation of banks are reported by the implementing agencies of SJSRY scheme at the State level.

They have advised that liberal financing may be done under SJSRY as it is the only scheme which directly assists the urban poor. They have also advised that performance of the banks under SJSRY should be reviewed in every SLBC meeting and DCC meeting.

They have advised all the banks to submit state-wise monthly progress report in the prescribed format which is enclosed. We request the member banks to submit the monthly data well within time.

New Issues 133rd SLBC

18. Common RFP for selection of Business Correspondent

Leader Bank (IOB) has conducted a Bankers’ committee meeting on 22.01.2013 and discussed various issues for engaging a common Business Correspondent for the cluster comprising Tamil Nadu, Kerala and Puducherry.

As majority of members opined for cancellation of the common RFP, the Bankers’ Committee has decided for cancellation of the common RFP floated in the cluster wherein M/s.FINO Fintech Foundation is L1 bidder and continuance of the existing BCs model being followed by banks and also appoint Common Service Centres as BCAs as per the agreement already signed by Banks, wherever possible, according to the individual Banks decisions.

Member banks are requested to take note of the above decision. The member banks are requested to complete the coverage of villages before March 2013 through the existing BC model which is being followed by the respective banks.

Chairman, SLBC and Convenor, SLBC has written several letters to the CMDs of the participating banks and Regional Heads in Tamil Nadu to provide banking facilities in their allotted villages. CMDs of many banks have responded positively and assured to cover the villages allotted to their respective banks before March 2013. SLBC thank the CMDs and Regional Heads of the participating banks for their assurance given on support and co-operation to complete the task well ahead of March 2013.

In view of this, all banks are requested to gear up their machinery and ensure coverage of all villages allotted to them with population below 2000 in Tamil Nadu under Financial Inclusion Plan by March 2013 as desired by our Hon’ble Chief Minister of Tamil Nadu. With all your co-operation the State can be declared as fully financially included by April, 2013.

Agenda No. 3 133rd SLBC

Financial Inclusion & Green Initiatives - Electronic transfer of benefit payments

As advised by RBI the statistical data (in a prescribed format) on ICT based Financial Inclusion from member Banks in Tamil Nadu is collected by SLBC and submitted to RBI.

All the member Banks are requested to furnish the data before 5th of every succeeding month to SLBC, as the consolidated statement has to be submitted to RBI before 7th.

The progress made by the Member Banks under Financial Inclusion as of January 2013 is furnished in the Annexure.

Progress under Financial Inclusion by Banks - Cumulative position As of January 2013

Number Overdrafts Smart S. of No- Name of the Bank in no frills GCCs Cards No frills accounts issued accounts Public Sector Banks 1 Allahabad Bank 14267 0 0 777 2 Andhra Bank 4128 13 4 1238 3 Bank of Baroda 52124 0 125 17474 4 Bank of India 203414 11445 2451 37060 5 Bank of Maharashtra 1314 295 0 0 6 Canara Bank 1384470 113 61020 39740 7 Central Bank of India 98825 0 0 86245 8 Corporation Bank 132814 0 5149 0 9 Dena Bank 27389 0 2 0 10 Indian Bank 2508658 18395 3199 882295 11 Indian Overseas Bank 3045528 4063 5048 360917 12 Oriental Bank of Commerce 1180 0 1 0 13 Punjab & Sind Bank 1586 0 0 0 14 Punjab National Bank 94351 0 1402 2011 15 State Bank of B & J 2157 0 0 0 16 State Bank of Hyderabad 0 0 0 0 17 State Bank of India 1076190 23824 92 216354 18 State Bank of Indore 0 0 0 0 19 State Bank of Mysore 3576 17 130 0 20 State Bank of Patiala 776 1 11 0 21 State Bank of Travancore 83312 0 1070 993 22 Syndicate Bank 85937 109 2478 1585 23 UCO Bank 83734 10 7 6012 24 Union Bank of India 145027 0 630 53269 25 United Bank of India 921 0 0 0 26 Vijaya Bank 27307 355 558 0

Number of Overdrafts Smart S. Name of the Bank No-frills in no frills GCCs Cards No accounts accounts issued

27 Axis Bank Ltd 24037 0 0 0 28 Bank of Rajasthan Ltd. 104 0 33 0 29 Catholic Syrian Bank Ltd. 11055 0 40 754 30 City Union Bank Ltd. 89425 12 0 26711 31 Dhanalakshmi Bank Ltd. 16841 0 0 16841 32 Federal Bank Ltd. 7833 0 5 0 33 HDFC Bank Ltd. 97204 0 2663 305 34 ICICI Bank Ltd. 138017 0 33 29776 35 IDBI Bank Ltd. 19802 0 1 0 36 Indus Ind Bank Ltd. 19295 0 0 0 37 ING Vysya Bank Ltd. 595 8 0 0 38 Jammu & Kashmir Bank Ltd. 3 0 0 0 39 Karnataka Bank Ltd. 17114 0 0 0 40 Karur Vysya Bank Ltd 17511 0 0 10562 41 Kotak Mahindra Bank Ltd. 7702 0 0 0 42 Lakshmi Vilas Bank Ltd. 28513 0 0 10815 43 South Indian Bank Ltd. 82843 0 0 7632 44 Tamilnad Mercantile Bk Ltd. 141471 0 559 4532 44 Pandyan Grama Bank 563675 0 350 7577 45 Pallavan Grama Bank 230670 21490 491 1937 Tamilnadu State Apex Co- 46 op.Bank 36847 0 3597 0 GRAND TOTAL 10629542 80150 91149 1823412

AGENDA No: 4 133rd SLBC

REVIEW ON BANKING DEVELOPMENTS IN TAMILNADU IN KEY PARAMETERS AS OF DECEMBER 2012

KEY PARAMETERS (Amount – Rs.in Crores)

Variation & % of Parameters Dec 2011 Dec 2012 growth over Dec 2011 No. of Branches 7014 7745 731 Deposits 360099.94 411478.29 51378.35 14.27% Advances 411893.62 501143.48 89249.86 21.67% CD Ratio 114.38% 121.79% 7.41% Investments 2233.73 3349.24 1115.52 Credit + Investment to Deposit 115.00% 122.60% 7.60% Ratio Priority Sector Advances 164545.25 193945.44 29400.19 17.87% % of Priority Sector Advances 43.76% 43.17% -0.59% to Total Advances Agricultural Advances 70516.77 88774.26 18257.49 25.90% % of Agricultural Advances to 18.75% 19.76% 1.01% Total Advances Micro & Small Enterprises 55740.64 62682.65 6942.02 12.45% (MSE) Of which Micro enterprises 22050.99 25395.40 3341.41 15.17% Micro Credit 3038.15 3587.28 549.08 18.07% Education 12447.77 13403.92 956.15 7.68% Housing 22733.52 25497.32 2763.80 12.16% Advances to Weaker Sections 46073.42 49280.66 3207.24 6.97% % of Weaker Section Advances 12.25% 10.97% -1.28% to Total Advances DRI Advances 223.63 124.44 -99.19 % of DRI Advances to Total 0.06 0.03 -0.03% Advances

BRANCH NETWORK

As at the end of December 2012, the total number of Bank Branches in Tamil Nadu increased to 7745 from 7014 in December 2011. Group wise spread of Bank branches in Tamil Nadu as of December 2011 and Deecmber2012 are given below:

Name of the Group Dec 2011 Dec 2012 Variation

State Bank Group 1007 1079 72 Nationalised Banks 3874 4225 351 Other Public Sector Banks 61 70 9 Private Sector Banks 1723 1997 274 RRBs 325 350 25 Foreign Banks 24 24 0 TOTAL 7014 7745 731

DEPOSIT GROWTH

Deposits of the Banks in Tamil Nadu have increased from Rs.360099.94 crores as of December 2011 to Rs.411478.29 crores as of December 2012, registering an increase of Rs.51378.35 crores. The year on year incremental deposit growth is 14.27%.

CREDIT EXPANSION

The total advances increased from Rs.411893.62 crores as of December 2011 to Rs.501143.48 crores as of December 2012, an increase of Rs.89249.86 crores. The incremental growth is 21.67%.

CD RATIO

The Credit Deposit Ratio of Commercial Banks in Tamil Nadu increased from 114.38% as of December 2011 to 121.79% as of December 2012.

PRIORITY SECTOR ADVANCES

The percentage of priority sector advances is 43.17% as against the national norm of 40%.

The share of Priority Sector Advances have slightly come down from 43.76% as of December 2011 to 43.17 % as of December 2012.

AGRICULTURAL ADVANCES

The aggregate of agricultural advances extended by Banks in Tamil Nadu have increased from Rs.70516.77 crores as of December 2011 to Rs.88774.26 crores as of December 2012, thus registering an increase of Rs.18257.49 crores in absolute terms and 25.90% in percentage terms. The share of agricultural credit in total advances as of December 2012 is 19.76% against the national norm of 18%.

MICRO & SMALL ENTERPRISES (MSE)

The advances to Micro & Small Enterprises sector (MSE) during the period under review has witnessed an increase by Rs.6942.02 crores, from Rs.55740.64 crores as at December 2011 to Rs. 62682.65 crores as at December 2012. The incremental growth is 12.45%.

EDUCATION LOAN

Educational Loans have increased from Rs.12447.77 crores in December 2011 to Rs.13403.92 crores as of December 2012. The increase of Rs.956.15 crores under Educational Loans represents a growth rate of 7.68%.

HOUSING LOAN

The outstanding under Housing Loans has registered an increase of Rs.2763.80 crores from Rs.22733.52 crores in December 2011 to Rs.25497.32 crores in December 2012, registering a growth rate of 12.16%. During the corresponding period of the previous fiscal, there was an increase of Rs.1413.82 crores in Housing Loans outstanding with 6.63% growth rate.

ADVANCES TO WEAKER SECTIONS

The advances to Weaker Sections increased from Rs.46073.42 crores as of December 2011 to Rs.49280.66 crores as at the end of December 2012, registering a growth rate of 6.97%. At this level, advances to Weaker Sections constituted 10.97% of the total credit against the national norm of 10%.

DRI ADVANCES

The outstanding advances under DRI has decreased from Rs.223.60 crores as on December 2011 to Rs. 124.44 crores as of December 2012.

The percentage of DRI advances to total advances is 0.03%.

NATIONAL NORMS

PERFORMANCE OF COMMERCIAL BANKS UNDER THE STIPULATED NATIONAL NORMS ARE AS UNDER: (Amount Rs.in Crores) National Norms for Achievement upto March 2013 Dec 2012 Particulars % Target % Amount Amount Priority Sector Advances to 40.00% 179704.91 43.17 193945.44 Total Advances Agricultural Advances to Total 18.00% 80867.21 19.76 88774.26 Advances Weaker Section Advances to 10.00% 44926.23 9.83% 49280.66 Total Advances

Micro Enterprises 60.00% 37954.60 40.51% 25395.40

The share of Priority Sector advances stands at 43.17% as against the National Norm of 40%. The percentage of Priority Sector Advances to total Advances has shown a marginal decline from 43.76% as at the end of December 2011 to 43.17% as at the end of December 2012.

The percentage of Agricultural advances to total advances as at the end of December 2012 works out to 19.76%. The percentage of Agri Advances to total advances has increased from 18.75% as at the end of December 2011 to 19.76% in December 2012.

CREDIT + DEPOSIT RATIO

CD Ratio as of December 2012 is as follows:

(a) Commercial Banks : 121.79%

(b) Including Co-operative Banks : 122.60%

DISTRICTWISE PERFORMANCE OF COMMERCIAL BANKS IN TAMILNADU

A comparative analysis of the performance of the Commercial Banks in Tamil Nadu indicates the following: a) Theni district has the highest CD ratio at 205% followed by Ariyalur district (196%) & Dharmapuri district (192%). b) All the 32 districts in the state have achieved the desired CD Ratio of 60% or more.

Agricultural advances to total advances in the following district is below 18% norm.

Coimbatore -- 12.49%

REVIEW OF OPERATIONS OF CO-OPERATIVE BANKS IN TAMILNADU AS AT THE END OF DECEMBER 2012

As at the end of December 2012, there were 803 branches of Co-operative Banks (both, District Central Co-operative Banks and State Agricultural and Rural Development Banks) in Tamil Nadu. The details are furnished for the information of the members.

Dec 2011 Dec 2012 Classification of Branches Rural 259 270 Semi-Urban 205 211 Urban 190 193 Metro 140 147 TOTAL 794 821

(Amount – Rs. in Crores) Particulars Dec 2011 Dec 2012 Deposits 20955.45 24495.49 Advances 26730.00 31749.18 Investments 6541.75 7081.05 CD Ratio 127.56% 129.61% Credit + Investment to Deposit Ratio 158.77% 158.52%

(Amount – Rs. in Crores) Dec 2011 Dec 2012 S.No. Particulars 1 Agricultural Advances 3512.09 4318.26 Of which, Direct Advances 389.89 346.30 2 Micro & Small Enterprises 1825.89 2504.09

3 Education 20.71 2.56 4 Housing 78.2 158.37 5 Micro Finance & Others 1392.20 364.16 TOTAL PRIORITY SECTOR ADVANCES 6829.09 7347.44

ADVANCES UNDER SPECIAL PROGRAMMES / SCHEMES / SECTORS

(Amount – Rs. in crores) Dec 2011 Dec 2012 Total Advances to Weaker Sections 5050.68 5784.70 Of which, (i) Advances under SC/ST 1208.92 1315.41 (ii) Advances under IRDP/SGSY 490.08 434.86 (iii) Advances under DRI 15.59 11.28

NPA POSITION IN PRIORITY SECTOR ADVANCES – SEPTEMBER 2012 (Amount – Rs. in crores) NPA % of NPA Amount i) NPA in Housing loans 14.55 8.37% ii) NPA in Education loans 2.05 77.95% iii) NPA in Agriculture Loans 259.72 7.00% iv) NPA in Loans to MSE 3.93 0.21% v) NPA in Loans under Weaker Section of Priority Sector Lending 108.64 2.12% vi) NPA in over all Priority Sector Lending 199.73 3.25%

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AGENDA No: 5 133rd SLBC

REVIEW OF PERFORMANCE UNDER ANNUAL CREDIT PLAN 2012 – 2013: APRIL 2012 TO DECEMBER 2012

As per the quick information report obtained from the Lead District Managers, Banks in Tamil Nadu have disbursed total credit of Rs.62703.05 crores from April 2012 to December 2012 under Annual Credit Plan as against the proportionate plan allocation of Rs.61523.40 crores, representing 102% achievement under ACP for the year 2012- 13.

(Amount in Rs. Crores) Credit Allocation Credit Disbursed % of Sector April 2012 to December 2012 Achievement

Farm 38522.92 41513.50 108 Non-Farm 10925.07 9575.78 88 OPS 12075.42 11613.78 96

TOTAL 61523.40 62703.05 102

A comparative position of disbursement under ACP upto the quarters ended December 2011 and December 2012 is furnished below:-

(Amount Rs. in crores) Credit disbursed Credit disbursed from April 2011 from April 2012 Variation in Sector to December to December percentage 2011 2012 Farm 26992.16 41513.50 53.80 Non-Farm 8600.22 9575.78 11.34 OPS 9310.22 11613.78 24.74 TOTAL 44902.60 62703.05 39.64

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District wise performance:

District wise/Major Sector wise performance for the period ended December 2012 is furnished in Annexure – I. Banking System in Tamil Nadu have achieved 102% of the plan allocation during the period under review. The performance of the individual districts varies from 77% to 147%. 24 districts have achieved more than 100% of the target.

Sector wise performance:

A. Farm Sector (Agriculture and Allied Activities): The performance under Farm Sector is highly satisfactory with 108% cumulative achievement upto December 2012. 26 districts have achieved 100% or more under Farm Sector. Lead District Managers are advised to submit the report for investment credit out of the farm sector disbursement.

B. Non-Farm Sector – Industries:

Performance of Banks in Tamil Nadu under Non-Farm Sector works out to 88% of the proportionate plan allocation upto December 2012. 12 districts have achieved 100% or more under Non-Farm Sector.

B. Other Priority Sector:

Performance of Banks in Tamil Nadu under Other Priority Sector Advances works out to 96% of the proportionate plan allocation upto December 2012. 18 districts have achieved more than 100% of the target.

Banks in the remaining districts have to increase their disbursement under OPS category during the current year

The details of progress made under ACP 2011-12 upto the quarter ended September 2012 (District-wise / Bank-wise / Activity-wise) have also been furnished in the Annexure for information.

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AGENDA No:6 133rd SLBC

Prime Minister’s Employment Generation Programme (PMEGP)

KVIC, Chennai vide their letter dated 04.02.2013 has advised the target & achievement for 2012-13 under PMEGP Loan Scheme as on 02.01.2013, as given below:-

(Rs. in Lakhs) Name of Target Achievement the Agency Projects Margin Emp Projects Margin Emp Money Money KVIC 468 1075.38 3744 479 1943.70 13606 KVIB 467 1075.37 3736 39 93.47 654 DIC 624 1433.83 4992 578 1132.57 7928 Total 1559 3584.58 12472 1096 3169.74 22188

During the first 9 months 70.30% of the project target and 88.43% of the margin money target have been achieved.

Bank-wise performance under PMEGP is given below,

S.No Bank Projects M.M. Emp 1 Bank of Baroda 51 180.05 1260 2 Bank of India 55 196.77 1377 3 Canara Bank 135 292.61 2048 4 Central Bank of India 51 161.23 1129 5 Corporation Bank 19 79.94 560 6 Dena Bank 1 1.05 7 7 Indian Bank 164 350.45 2453 8 Indian Overseas Bank 220 667.44 4672 9 Punjab National Bank 47 122.87 860 10 State Bank of India 117 260.12 1821 11 State Bank of Travancore 9 53.70 376 12 Syndicate Bank 36 92.66 649 13 Union Bank of India 33 106.80 748 14 Tamilnadu Mercantile Bank 147 584.91 4094 15 Vijaya Bank 11 19.14 134 Total 1096 3169.74 22188

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Information on share of SC/ST under PMEGP Loan Scheme

As advised by National Commission for SC, Government of India, KVIC have furnished the SC/ST performance on PMEGP scheme 2012-13.The details are given as below,

Share of SC: Year Projects Margin Project Cost Bank Loan Money 2012-13 141 226.72 647.77 615.38 (As on 02.01.2013)

Share of ST : Year Projects Margin Project Cost Bank Loan Money 2012-13 17 9.25 26.44 25.11 (As on 02.01.2013)

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AGENDA No:7 133rd SLBC

SWARNA JAYANTI SHAHARI ROZGAR YOJANA (SJSRY)

SJSRY Programme consists of two special schemes namely (i) Urban Self-Employment Programme (USEP) and (ii) Urban Women Self-Help Programme (UWSP).

The progress made under SJSRY for the programme year 2012-13 as on 31.01.2013 is furnished below: (Amount Rs.in Lacs) SJSRY- SJSRY- NO. PARTICULARS TOTAL USEP UWSP 1 No. of Applications sent to Banks 9712 2064 11776 2 No. of Applications sanctioned 4959 1035 5994 4 No. of Applications Pending 4753 1029 5782 5 Subsidy allotted 1292.15 886.27 2178.42 6 Subsidy utilized 384.23 332.04 716.27 7 Subsidy pending 907.92 554.23 1462.15 8 % of subsidy utilization 30 38 32.88

Though Subsidy utilization level for the Programme year 2012-13 has improved from 14% & 4% to 30% & 38% when compared to previous quarter under USEP and UWSP scheme respectively, there is a long way to go. Member Banks are advised to speed up the sanction / disposal of the pending loan applications and ensure 100% utilization of the subsidy allotted under SJSRY.

Information on share of SC/ST under SJSRY Loan Scheme

As advised by National Commission for SC, Government of India, Municipal Administration Department, Govt. of Tamil Nadu have furnished the District wise progress reports on Scheduled Castes Sub Plan (SCSP) and Tribal Sub Plan for (UWEP & UCDN Components) of SJSRY /BSUP Scheme as on 30.11.2012 and JNNURM /IHSDP as on 31.12.2012. The details are given in the annexure.

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AGENDA No: 8 133rd SLBC

SWARNJAYANTI GRAM SWAROZGAR YOJANA (SGSY) / NATIONAL RURAL LIVELIHOOD MISSION (NRLM)

With effect from 31.03.2012, the present SGSY Scheme has been replaced with the new programme named NRLM (National Rural Livelihood Mission).

The objective of the Mission is to reduce poverty among rural BPL by promoting diversified and gainful self-employment and wage employment opportunities which would lead to an appreciable increase in income on sustainable basis. In the long run, it will ensure broad based inclusive growth and reduce disparities by spreading out the benefits from the islands of growth across the regions, sectors and communities.

SLBCs to constitute a sub- committee of SLBC consisting representatives from 4 major banks namely Indian Overseas bank, Indian Bank, Canara Bank and State Bank of India, MD (TNCDW), Project Director (Pudu Vazhvu) and CEO of Tamil Nadu State Rural Livelihood Mission as members had been constituted to review the progress.

TNCDW has furnished the details of Districtwise/ bank-wise pending Revolving fund proposals and Economic Activity proposals as below.

Member banks are requested to dispose the all the pending RF & EA applications immediately.

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AGENDA NO:9 133rd SLBC

Interest Subsidy for Housing the Urban Poor (ISHUP)

As per the information given by Tamil Nadu Housing Board, the target is 2 lacs against which No. of applications received is 72301. Of these, 55712 applications were sent to Banks and 4596 loans have been sanctioned. 16890 applications were returned by Banks.

District-wise and Bank-wise details of applications as on 31.12.2012 is furnished as detailed below:-

Annexure 1 – Progress Report on ISHUP Annexure 2 – Details of applications sent to Banks Annexure 3 – Valid applications Received Annexure 4 – Applications returned by Banks

The progress under the above scheme is very low. The scheme is in operation only upto 31.03.2013. Hence, all the banks are advised to :  All eligible loan applications complete in all respects to be sanctioned within 14 days.  Incomplete applications to be immediately returned back  Declined / ineligible applications should be sent back with reasons for rejections.  All loans sanctioned should be disbursed immediately.  Subsidy should be claimed immediately after loan release even if it is a part release.  All the pending applications should be disposed before 31.03.2013.

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Agenda No: 10 133rd SLBC

Bank Finance under Housing Scheme:

As per Reserve Bank of India guidelines, each bank should reach 3% of their incremental deposits of the previous year under housing finance. Accordingly, it is estimated that Rs.3019.59 crores should be extended to Housing Sector from banking system in Tamil Nadu during the year 2012-13.

As per the feedback received from member banks, disbursement to the tune of Rs. 1261.58 crores has been made during the quarter ended December 2012 and the cumulative disbursement made for the period of April 2012 to December 2012 is Rs.3248.82 Crores. Banks in Tamil Nadu have surpassed the expected level of 3% i.e. Rs 3019.59 Crores. The Bank wise disbursement details for the first quarter is furnished in the Annexure. It may be noted that the following 4 Banks have not submitted any data as a result of which the aggregate disbursement might have been understated. These banks are requested to submit the data immediately.

Federal Bank Jammu & Kashmir Bank Indus Ind Bank SBBJ

Break-up of the portfolio on the basis of loan size is as follows:- (Amount Rs.in Lakhs)

Disbursement made during the quarter ended Dec 2012 (Oct’12 to December’12)

Limit above Rs.5 Limit above Rs.10 Limit above Limit Upto Rs.5 lacs - upto Rs.10 Lacs - upto Rs.15 Rs.15 Lacs - upto Total Lacs Lacs Lacs Rs.25 Lacs

No. Amount No. Amount No. Amount No. Amount No. Amount

6751 16778.38 4771 32721.08 2840 27327.34 3343 49331.57 17705 126158.37

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BANK FINANCE UNDER HOUSING SCHEME – DIRECT HOUSING FINANCE FOR THE QUARTER ENDED DECEMBER 2012

(Amount Rs in Lacs) Disbursement made during the quarter ended Dec Sl. Name of the Bank 2012 No. ( Oct '12 to Dec'12) No. Amount 1 Allahabad Bank 48 678.00 2 Andhra Bank 108 1193.00 3 Bank of Baroda 555 4795.91 4 Bank of Maharashtra 58 715.00 5 Bank of India 556 5050.00 6 Canara Bank 777 8388.77 7 Central Bank of India 568 5106.57 8 Corporation Bank 1054 4517.58 9 Dena Bank 48 390.00 10 Indian Bank 2358 13077.19 11 Indian Overseas Bank 1303 22687.00 12 Oriental Bank of Commerce 94 826.31 13 Punjab National Bank 97 923.92 14 Punjab & Sind Bank 5 26.13 15 Syndicate Bank 444 3197.00 16 UCO Bank 136 1236.70 17 Union Bank of India 463 1913.93 18 United Bank of India 45 481.16 19 Vijaya Bank 408 1344.22 20 Axis Bank Ltd. 0 0.00 21 Catholic Syrian Bank 3 20.15 22 City Union Bank Ltd. 593 4001.11 23 Dhanalakshmi Bank Ltd. 18 171.89 24 Federal Bank Ltd 0 0.00 25 HDFC Bank Ltd. 755 807.58 26 ICICI Bank Ltd. 507 3322.00 27 IDBI Bank Ltd. 479 2290.55

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BANK FINANCE UNDER HOUSING SCHEME – DIRECT HOUSING FINANCE FOR THE QUARTER ENDED DECEMBER 2012

(Amount Rs in Lacs) Disbursement made during the quarter ended Sl. Name of the Bank Dec 2012 No. ( Oct '12 to Dec'12) No. Amount 28 Indus Ind Bank Ltd. 0 0.00 29 Ing Vysya Bank Ltd. 22 976.40 30 Jammu & Kashmir Bank Ltd. 0 0.00 31 Karnataka Bank Ltd., 62 396.25 32 Karur Vysya Bank Ltd. 424 2314.70 33 Kotak Mahindra Ltd 9 167.31 34 Lakshmi Vilas Bank Ltd. 78 583.19 35 South Indian Bank Ltd. 74 726.78 36 Tamilnadu Mercantile Bank 574 4424.40 37 Yes Bank 0 0.00 38 Pandyan Grama Bank 8 90.20 39 Pallavan Grama Bank 8 44.50 40 State Bank of Bikaner & Jaipur 0 0.00 41 State Bank of Hyderabad 186 2289.00 42 State Bank of India 4554 23087.00 43 State Bank of Mysore 141 1926.85 44 State Bank of Patiala 44 526.12 45 State Bank of Travancore 41 1444.00 GRAND TOTAL 17705 126158.37

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AGENDA No: 10 (A) 133rd SLBC

GOLDEN JUBILEE RURAL HOUSING FINANCE SCHEME (GJRHFS)

As per the feedback received from the member banks, 579 loans amounting to Rs.2947.14 lacs have been disbursed under Golden Jubilee Rural Housing Finance Scheme during the quarter ended December 2012 as shown below:

Cumulatively 3114 loan amounting to Rs 17076.86 lacs have been disbursed during the period April 2012 to December 2012. (Amount in Rs. Lacs) Scheduled Scheduled Others Total Particulars Castes Tribes No. Amt. No. Amt. No. Amt. No. Amt. Total Loans disbursed during 98 224.07 6 16.44 475 2706.63 579 2947.14 the Quarter

Member Banks are requested to furnish the details of housing loans under Golden Jubilee Rural Housing Finance Scheme on quarterly basis to SLBC.

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AGENDA No: 11 133rd SLBC

Educational Loans

A) The details of educational loans granted by member banks are furnished in the annexure 1.

As per the reports received, 62285 loans to the tune of Rs.1059.61 crores have been granted during April 2012 to December 2012 of which Engineering/Medical account for 45407 loans amounting to Rs.722.45 Cr, 2323 loans for study in Abroad amounting to Rs.162.25 Cr and 14555 loans to Others, to the tune of Rs.174.91 Cr.

Out of 62285 Educational loans granted to the tune of Rs. 1059.61 crores, SC/ST, Minority Communities & Women accounts for 10865 loans amounting to Rs.144.32 Cr, 4641 loans amounting to Rs.104.62 Cr and 22970 loans to the tune of Rs.394.17 Cr respectively.

The following Banks who have not furnished the data on Educational Loans as of December 2012 are requested to submit the same immediately.

Sl. Sl. Name of the Bank No. Name of the Bank No. 1 Allahabad Bank 6 City Union Bank Ltd 2 Andhra Bank 7 Federal Bank 3 Corporation Bank 8 State Bank of Mysore 4 Punjab & Sind Bank 9 Tamil Nadu State Apex Co-op Bank 5 Bank of India

Government of India, Ministry of Finance has given an outstanding target of ` 14273.65 crore as on 31.03.2013 for educational loan in Tamil Nadu.

Bank-wise target for no. of loans and amount outstanding has already been advised to all member banks.

For the information of the forum, the outstanding as on 31.12.2012 was ` 13403.92 Cr. against the year end target of ` 14273.65 Cr. with a gap of ` 869.73 Cr.

All the member banks are requested to achieve educational loan target before March, 2013.

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B) As per the details received from the Member Banks the status of loan applications received / sanctioned / rejected / pending are as under. Bank-wise data is enclosed in the annexure 2.

(Amount in Lacs) Loan Loan Loan Applications Education Loans Applications Applications Received Sanctioned Rejected Pending No. Amount No. Amount No. Amount No. Amount 65261 113401.70 62285 105960.61 1585 3261.64 1391 4180.45

Member Banks are requested to expedite disposal of the pending loan applications.

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AGENDA No: 12 133rd SLBC

CREDIT FLOW TO WOMEN

Government of India and Reserve Bank of India have advised banks to strengthen the credit flow to women and ensure that their share in Bank Credit is increased to the desired level of 5% or more.

The details of performance of the Banks in Tamil Nadu under credit flow to women entrepreneurs as of December2012 are furnished below:

(Amount in Rs. Crores) S.No PROGRAMME Disbursement made Outstanding position as during the Quarter of December 2012 ended December 12

Accounts Amount Accounts Amount

1 SGSY 12809 88.84 124476 685.09 PMRY 2 */PMEGP 355 5.93 18353 164.64 3 SJSRY 508 1.80 12211 43.70 4 DRI 1280 2.00 23265 39.73 5 MSE 3614 131.27 166669 2736.46 6 OTHERS 444703 3054.86 3658182 32374.29 TOTAL 463269 3284.70 4003156 36043.91

* PMRY was discontinued w.e.f 01.04.2008

At the level of Rs.36043.03 crores, advances to women constitute 7.19 % of total Bank credit as against the national norm of 5%.

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AGENDA No:13 133rd SLBC

CREDIT FLOW TO MINORITY COMMUNITIES As per the feedback received from the member banks, 184691 Loans amounting to Rs.1982.22 crores were disbursed to Minority Communities during the quarter ended December 2012 as shown below:-

(Amount Rs in.Crores) Sl. Name of the Disbursement during the quarter ended No. Community December 2012 All Banks Public Sector Banks

Account Amount Account Amount 1 Muslim 90401 898.15 56495 599.70 2 Christian 92807 1068.40 55472 691.95 3 Sikh 473 6.29 420 5.66 4 Zorastrian 549 3.18 532 2.90 5 Neo Buddhist 461 6.20 374 5.14 Total 184691 1982.22 113293 1305.36

Allocation of Target for Public Sector Banks for Lending to Minority Communities for the state of Tamil Nadu

Ministry of Finance, Government of India vide their communication dated 03.10.2012 advised the outstanding target of Rs 19901.22 crore which is 31% increase over March, 2012 (Rs.15226.56 crore) for Minority Community Lending for the Public Sector Banks in the state of Tamil Nadu for the year 2012-13.

SLBC already communicated on 11.10.2012 to all the Public Sector Banks to increase their lending to Minority Community to reach the enhanced outstanding target.

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The outstanding advances to Minority Communities stood at Rs.21128.07 crores as at December 2012 is furnished below:-

The bank wise outstanding position on specified minority communities as of December 2012 is enclosed as an annexure. (Amount Rs. in Crores) Sl. Name of the Outstanding Position as of No. Community December 2012 All Banks Public Sector Banks Account Amount Account Amount 1 Muslim 984473 10008.72 640923 7926.96 2 Christian 1245202 10897.78 648549 8304.67 3 Sikh 1266 28.50 1011 24.51 4 Zorastrian 6239 169.23 6112 67.53 5 Neo Buddist 2865 23.84 1439 14.14 Total 2240045 21128.07 1298034 16337.81

Ministry of Finance, Govt. of India has advised that the share of credit flow to minority communities of Public Sector Banks (PSB) should be 15% of the Priority Sector Advances.

All the Public Sector Banks requested to increase their Minority Sector Lending outstanding to achieve the target fixed by Ministry of Finance.

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OUTSTANDING ADVANCES TO SPECIFIED MINORITY COMMUNITIES BY PUBLIC SECTOR BANKS – December 2012

(Amount Rs.in Crores)

O/s. of PRIORITY advances to S. SECTOR NAME OF THE BANK Minority % No ADVANCES AS Communities ON 31.12.2012 31.12.2012

1 STATE BANK OF BIKANER & JAIPUR 133.57 8.75 6.55 2 STATE BANK OF HYDERABAD 504.49 83.61 16.57 3 STATE BANK OF INDIA 29306.35 3690.87 12.59 4 STATE BANK OF MYSORE 675.14 48.40 7.17 5 STATE BANK OF PATIALA 442.88 16.42 3.71 6 STATE BANK OF TRAVANCORE 2835.66 1230.38 43.39 7 ALLAHABAD BANK 712.82 31.94 4.48 8 ANDHRA BANK 997.75 138.70 13.90 9 BANK OF BARODA 4140.28 292.31 7.06 10 BANK OF INDIA 4213.04 427.68 10.15 11 BANK OF MAHARASHTRA 483.26 21.22 4.39 12 CANARA BANK 18697.30 1163.72 6.22 13 CENTRAL BANK OF INDIA 4850.68 777.26 16.02 14 CORPORATION BANK 5878.98 337.74 5.74 15 DENA BANK 693.89 75.33 10.86 16 INDIAN BANK 21171.17 2418.23 11.42 17 INDIAN OVERSEAS BANK 22677.65 3497.78 15.42 18 ORIENTAL BANK OF COMMERCE 1233.76 59.70 4.84 19 PUNJAB NATIONAL BANK 2698.10 173.85 6.44 20 PUNJAB & SIND BANK 545.62 2.26 0.41 21 SYNDICATE BANK 4265.67 539.90 12.66 22 UCO BANK 2503.43 389.13 15.54 23 UNION BANK OF INDIA 4733.42 589.74 12.46 24 UNITED BANK OF INDIA 331.93 0.00 0.00 25 VIJAYA BANK 1951.88 188.76 9.67 26 IDBI BANK LTD. 2904.37 134.15 4.62 TOTAL 139583.09 16337.81 11.70

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AGENDA No:14 133rd SLBC

KISAN CREDIT CARD SCHEME (KCC)

Kisan Credit Card Scheme introduced in August 1998 has since stabilized with major share of crop loans being routed through this scheme. Reserve Bank of India has advised that investment credit requirements of farmers viz. allied and nonfarm activities may also be covered under the Scheme. All KCC Holders have to be covered under Personal Accident Insurance Scheme (PAIS).

As per the progress report submitted by Member Banks, during the period from April 2012 to December 2012, Banks in Tamil Nadu have issued 2369662 Kisan Credit Cards to the tune of Rs.18754.46 crores. The details are furnished in the annexure.

Recently, Reserve Bank of India has issued guidelines on the revised Kisan Credit Card Scheme to all the Banks vide their letter dated 11.05.2012. Progress in issuance of ATM enabled revised Kisan Credit Card is very slow. Henceforth, all member banks are requested to issue ATM enabled revised Kissan Credit Card and furnish the progress report on monthly basis to SLBC in the following format.

Name of the Bank : Month :

Of which Total No.of Amount of Cumulative No. Cumulative Number of ATM KCC issued Loan Disbursed ATM enabled Amount of loan enabled KCCs during the during the KCCs issued Disbursed issued during Month month (Rs in Lacs) the month (Rs in Lacs)

CROP INSURANCE

All the member banks are advised to ensure 100% coverage of crop loans sanctioned to notified crops in notified areas under crop insurance scheme.

Further, we also request AIC to provide data relating to coverage of crop loans under crop insurance to SLBC to review the progress.

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Progress Report on Kisan Credit Card Scheme for the quarter ended 31.12.2012 (Amount Rs in Lacs) Cumulative position(April 2012 to Dec 2012) Sl. No. Name of the Bank Crop Loans Term Loan Total No Amount No Amount No Amount 1 Allahabad Bank 405 522 0 0 405 522 2 Andhra Bank * 300 3472 152 3885 452 7357 3 AXIS Bank 2105 23465.5 1233 100941 3338 124406 4 Bank of Baroda 1265 1361 35 55 1300 1416 5 Bank of India 58850 48650 20487 41384 79337 90034 6 Bank of Maharashtra * 18 6 0 0 18 6 7 Canara Bank 28631 21665 3961 3116 32592 24780 8 Catholic Syrian Bank Ltd. 91 50 0 0 91 50 9 Central Bank of India 8884 4861 0 0 8884 4861 10 City Union Bank Ltd. 69 64 268 239 337 304 11 Corporation Bank 2393 2409 0 0 2393 2409 12 Dena Bank 26 52 28 48 54 100 13 Dhanalakshmi Bank Ltd. 0 0 0 0 0 0 14 Federal Bank Ltd. 73 871 0 0 73 871 15 HDFC Bank Ltd. 201 806 38610 80537 38811 81343 16 ICICI Bank Ltd. 11850 7832 0 0 11850 7832 17 Indian Bank 1033645 698815 0 0 1033645 698815 18 Indian Overseas Bank 292133 450639 9263 9701 301396 460340 19 Indus Ind Bank Ltd. 0 0 0 0 0 0 20 IDBI Bank Ltd. * 11101 15953 0 0 11101 15953 21 ING Vysya Bank Ltd. * 40 23 63 34 103 57 Jammu & Kashmir Bank 22 Ltd. 0 0 0 0 0 0 23 Karnataka Bank Ltd. 0 0 0 0 0 0 24 Karur Vysya Bank Ltd. 313 535 12 59 325 594 25 Lakshmi Vilas Bank Ltd. 125 243 0 0 125 243 Oriental Bank of 26 Commerce 58 272 0 0 58 272 27 Pallavan Grama Bank 23526 16741 7914 11529 31440 28270 28 Pandyan Grama Bank 45493 10829 6 26 45499 10855 29 Punjab National Bank 844 802 0 0 844 802 30 Punjab & Sind Bank 0 0 0 0 0 0 31 South Indian Bank Ltd. 155 146 52 244 207 390 32 State Bank of India 82049 46671 533 460 82582 47131 State Bank of Bikaner & 33 Jaipur 0 0 0 0 0 0 34 State Bank of Hyderabad 0 0 0 0 0 0 35 State Bank of Mysore * 255 214 9 22 264 236 36 State Bank of Patiala 0 0 0 0 0 0 37 State Bank of Travancore 80 159 68 352 148 511 38 Syndicate Bank 6485 3329 0 0 6485 3329 Tamilnadu Mercantile Bank 39 Ltd. 295 388 425 210 720 599 Tamilnadu State Apex Co- 40 op.Bank Ltd. 604726 216123 22838 6697 627564 222820 41 UCO Bank 30916 30032 1311 830 32227 30862 42 Union Bank of India 13423 5562 1200 634 14623 6197 43 Vijaya Bank 253 389 118 493 371 881 TOTAL 2261076 1613950 108586 261496 2369662 1875446

Banks marked * has not submitted the data for December 2012

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AGENDA No: 15 133rd SLBC

MICRO & SMALL ENTERPRISES (MSE) SECTOR

Credit flow to MSE Sector upto December 2012 is furnished in the annexure. Credit flow to Micro and Small Enterprises amount to Rs.9409.44 Crores & Rs 8483.02 Crores respectively.

The MSE cumulative disbursement made upto December 2012 is Rs.17892.46 crores compared to Rs.13744.90 crores disbursed in the corresponding period last year.

The share of advance to Micro Enterprises to total MSE up to the quarter ended December 2012 (April 2012 to December 2012) is 52.59% . During the corresponding period last year it was 39.56%.

Though there is a significant improvement when compared to the corresponding period last year the Member Banks should speed up the flow of credit to Micro Enterprises so that the 60% norm could be achieved.

The share of Micro Enterprises in credit flow to MSE are furnished in the annexure (Bank-wise).

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AGENDA No: 16 133rd SLBC

Progress Report on Economic Development Schemes implemented by TAHDCO

The details of performance under various economic development schemes implemented by TAHDCO during the financial year 2012-13 as of December 2012 are furnished in the annexure.

So far banks have achieved the physical target of 2997 against the target of 68817 under the economic development scheme. The progress of the above scheme is very low. Member Banks are requested to actively involve themselves in the implementation of these schemes and dispose the all the pending applications within the advocated time schedule.

TAHDCO has informed that, the Form III for the applications forwarded to the banks in a year are received by them either at the end of the financial year or in the subsequent year. Further, they have informed that this creates problems in allocation of funds in the scheme.

They have requested the banks to send Form III within the stipulated period to enable them to utilize the financial allocation every year promptly and also plan for additional allocation for the excess clams received.

Bank-wise applications forwarded Form III received and pending details is enclosed as annexure for necessary action by the member banks.

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Agenda No: 17 133rd SLBC

SELF HELP GROUPS (SHGs)

The approved target for SHG credit linkage 2012-13 is Rs.4000 Crores including the Non Mahalir Thittam Groups. Credit disbursement to SHGs as of 31.12.2012 amounted to Rs.3326.55 Crores. The percentage of achievement during the first half is 83% of the full year target.

The District wise performance to Self Help Groups under Mathi (through Tamil Nadu Women Development Corporation Ltd.) and Non-Mathi (direct lending) as on 31.12.2012 is furnished in Annexure 1.

The member banks are advised to maintain this momentum to achieve 100% in the SHG direct linkage.

During the meeting of 132nd SLBC held on 28.12.2012, NABARD informed the forum that direct linkage to SHGs was only Rs.1933 Crores during 2011-12 as per the data collected through CBS, whereas the data reported by banks to TNCDW is Rs 4030 crores. Ministry of Rural Development, Government of India adversely commented on the variation in the reported figures. The matter was discussed in the meeting and member banks were advised to bring all the direct linkage under one code number and reconcile the data.

Member banks are advised to bring all direct linkage loans to SHGs in one GL code in the CBS system and reconcile the data as on 31.03.2012 and submit the correct data to NABARD and TNCDW.

Member banks are also advised to follow the uniform code while reporting on the actual achievement for the year 2012-13, so as to avoid any variations in reporting.

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AGENDA No: 18 133rd SLBC

REVIEW OF NPA ACCOUNTS IN PRIORITY SECTOR LENDING – SEPTEMBER 2012

The position of NPA under categories of Priority Sector Advances as on September 2012 is furnished below.

NPA POSITION AS ON SEPTEMBER 2012

S No. Particulars (Rs in Crore) % of NPA

1 NPA in Housing loans 674.54 2.73% 2 NPA in Education loans 965.37 7.40% 3 NPA in Agriculture Loans 3185.90 3.88% 4 NPA in Loans to MSE 3302.27 5.30%

5 NPA in Micro Credit 501.83 12.94% NPA in over all Priority Sector 6 8629.91 4.61 % Lending NPA in Loans under Weaker 7 2476.97 4.49% Section of Priority Sector Lending

It is observed that NPA position under educational loan, MSE and micro credit has increased over June 2012. DCCs are also requested to review NPA position every quarter and coordinate recovery drive with the help of District Administration.

The State Government is requested to consider invocation of Revenue Recovery Act to improve recovery, as done in the neighbouring State of Kerala.

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Agenda : 19 133rd SLBC

SUCCESS STORY

One of the recommendations of the High Level Committee on Lead Bank Scheme is “Success stories could be presented in DCC/SLBC meetings to serve as models that could be replicated.

The Success Story received from Indian Overseas Bank, South Thamaraikulam Branch, Kanyakumari District is given below:

Segment: Agriculture / PLF : “Swamithoppu PLF”

A Panchayat Level Federation (PLF) “Swamithoppu PLF” was formed by federating 3 Self Help Groups in and around Swamithoppu village. The PLF is named after the village Swamithoppu which is a holy place in Kanyakumari District.

The accounts of the PLF are with South Thamaraikulam Branch of Indian Overseas Bank. The branch has granted a loan of Rs.34.47 lakhs to enable members of the PLF to undertake various income generating activities. To give just a few examples, one group in the PLF is using the money for making soft toys with clothes; another group is doing sea shell graft work whereas the third group is engaged in palm leaf articles.

The products are sold in the adjoining tourist centre Kanyakumari which gives decent profit. All groups are engaged in income-generating work. These products have been displayed in many exhibitions held in various places and have won accolades. The Federation won the prestigious MANIMEKALAI AWARD of the Government of Tamilnadu for 2009-10. This award included a cash prize of Rs. 3.00 lakhs.

The bank loan was promptly repaid and closed in November 2011. Besides the livelihood activities, the PLF is also involved in many social activities, some of which are listed below:

1. Conducting AIDS awareness camp

2. Celebrating the Independence Day and Republic day every year with colourful cultural programmes in the villages.

3. Celebrating International Women’s Day every year

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4. Assisting the widows and differently abled persons

5. Providing trainings for making handicrafts

6. Providing skill upgradation trainings to members of SHGs.

The PLF is ably managed by three women viz. Smt.S.Selvi, President, Smt.A.Umaya Parvati, Secretary and Smt.R.Selvam, Treasurer. All of them are basically housewives without experience in public life. Even President Smt Selvi herself is from a poor family who did not have experience in organizing and addressing meetings. But she was elected as a President due to her hard work. Now, with the support and co ordination of all PFL members, she has emerged as an excellent leader. It is a honour that now she is also elected as the President of Swamithoppu Panchayat, with a thumping majority in the last Panchayat election held on 18th October 2011.

The role played by Indian Overseas Bank in the success of the PLF is significant.

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