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Financial Inclusion, Priority Sector & Agriculture Finance

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Financial Inclusion, Priority Sector & Agriculture Finance Financial Inclusion, Priority Sector & Agriculture Finance Priority Sector – New guidelines HOBC 113/181 dated 09/01/2020 Broad Categories: Agriculture- Comprises Farm credit, Non-Farm Credit, & Agr. Infrastructure. No distinction between Direct & Indirect agriculture now. No separate targets either. o Farm Credit: Includes all finances for farm activities [all ST/ MT/ LT loans]. To include, inter alia, Loans to distressed/indebted farmers, Loans to SF/MF for purchase of Agri. Land & Loans to Corporates/Societies, etc. up to Rs.2 cr., Loan to farmers upto Rs.50 lakhs against pledge of warehouse receipt, repayable in 12 months. o Agriculture Ancillary activities include Finances to Co-op societies for marketing of produce [up to Rs.5 cr.], Agro-clinics Agri-Business Centers up to Rs.20 lakhs (in deserving cases up to Rs.25 lakhs), Food & Agro processing [up to Rs.100 Cr. per borrower], PACs, LAMPS, FSS, MFI & NBFCs for onward lending to farmers, etc. & RIDF contributions o Agri. Infrastructure includes Godowns, Cold storage, chain of cold storages etc., Soil conservation & watershed development, Tissue culture/Seed production, Bio-technology, Vermi compost, etc. [ Max. Rs.100 Cr. per borrower] o Small and Marginal farmer is defined as:1) marginal farmer is the farmer having land holding 1 hectare, small farmer is the farmer having land holding above 1 ha and upto 2 hectares, 2) landless agriculture labors, tenant farmers, oral lessee, share cropper whose share of landholding is the S & M farmer definition, 3) SHG & JLG if bank is maintaining disaggregated data of such loans, 4) loan to FPC & farmers cooperatives where membership of S & M farmers is more than 75% and whose land holding share is not less than 75% of total land holding. Note: - Domestic banks are directed to ensure that overall lending to non- corporate farmers doesn’t fall below the system-wide average of the last 3 years achievement. All banks have to achieve system-wide average as given above, for the current year i.e. 2019-20, it is 12.11%. All efforts should be taken to reach the level of 13.5% direct lending to the beneficiaries who earlier constituted the direct agriculture sector. MSME- Medium Enterprises [new addn.]. Investment in P&M remains unchanged i.e. @ 25 lac, 5 cr, & 10 cr for Micro, Small, & Medium Entp. [Manufacturing] & @ 10 lac, 2 cr, & 5 cr for MSME [Service]. Earlier sub-category & sub-targets under Micro sector dispensed with Medium Entps. To enjoy MSME status up to 3 years even after they outgrow beyond MSME limitations due to growth in business. MSME includes factoring transactions, where assignor is a micro, small or medium enterprise. Factoring transactions taking place through the Trade Receivables Discounting system will be classified under priority sector. Vijeta – March 2020 Page | 55 All loans to units of KVI sector are eligible for classification in subsector of 7.5% in micro enterprises. Inter Bank Participation Certificates bought by the bank on risk sharing basis are eligible for classification under respective categories of priority sector, provided the underlying assets are eligible to be categorized under the respective categories of priority sector and bank fulfil the RBI guidelines on IBPC. The outstanding priority sector lending certificates (PSLC) bought by banks will be eligible for classification under respective categories of priority sector provided the assets are originated by banks are eligible to be classified as priority sector advances and fulfil the RBI guidelines on priority sector lending certificates. All PSLC will expire on 31st March i.e. on closing of the FY. Loan to cooperatives of producers in decentralised sector such as artisans, village and cottage industries. Credit outstanding under GCC, ACC, LUC, Swarojgar Credit Card, Weaver’s Card etc. are covered in MSME. Loan to NBFC / MFI for onward lending to MSME units shall be covered in MSME. PMJDY accounts with OD facilities up to Rs.10,000/- having age limit between 18 to 65 years are covered under MSME and the OD facility will be covered in Micro enterprises. No conditions will be attached for OD facility up to Rs.2,000/- in PMJDY account. Shortfall in achieving micro enterprises target will be contributed with SIDBI and Mudra Bank. Housing Loan - Loan up Rs.35 lac in Metro, with project cost up to Rs.45 lac; Loan up to Rs.25 lac, with PC up to Rs.30 lac [other areas]. Loan for repair to damaged dwelling units up to Rs.5 lakhs in urban areas and up to Rs.2 lakhs in rural areas are covered in PS. Bank loan to any Govt. Agency for construction of dwelling units or slum clearance up to Rs.10 lakhs are covered in PS. Loan sanctioned by banks for housing projects exclusively for EWS & LIG under PMAY are covered in PS. Shortfall in achieving of target to be contributed with NHB. Export Credit- YOY incremental growth up to 2% of ANBC or CEOBE (Credit Equivalent amount of Off-balance sheet exposure) for PSBs and Foreign banks having more than 20 branches. 32% of ANBC or CEOBE for foreign banks with less than 20 branches. Education- Education loan up to Rs.10 lakhs including vocational courses irrespective of the sanctioned amount. Social Infrastructure [new addn.]- Includes Schools, Hospitals/ Health units, Sanitation, etc. Finances under this head up to Rs. 5 cr per borrower is under PSA. Renewable Energy [new addn.]- Includes finances up to Rs 15 cr per borrower for solar generators, wind mills, micro-hydel, village electrification, etc. However, max. limit per individual = Rs. 10 lac Others- o Loan @ Rs. 50000/= [max] to Individuals/SHG/JLG whose income does not exceed Rs. 1 lac [in Rural area] & Rs. 1.6 lac [ Non-rural] Vijeta – March 2020 Page | 56 o Loan @ max Rs. 1 lac to non-farmers for repayment of debts o Loans to SC/ST/ State organizations for inputs & marketing. o Loan to NBFC/ MFI for purposes other than onward lending to agriculture or MSME borrowers. Targets : o For Domestic Scheduled Commercial Banks and foreign banks with 20 or more branches o PSA = 40% of ANBC or CEOBE, whichever higher o Agriculture = 18% [No targets for Indirect Agr.] of ANBC or CEOBE, whichever higher o Agr. Sub-target = 8% of ANBC or CEOBE, whichever higher for SF/MF o Micro = 7.5% of ANBC or CEOBE, whichever higher o Weaker section = 10 % of ANBC or CEOBE, whichever higher. For foreign banks with less than 20 brs. o 40% of ANBC or CEOBE, whichever higher by March 2020. No agriculture, Micro enterprises and Advances to weaker Section targets for this group. Abbreviations ANBC = Adjusted net Bank Credit CEOBE = Credit equivalent of off-balance sheet items ANBC = o Net Credit [Bank credit minus Bills rediscounted with RBI] o (+) Non-SLR bonds o (-) Long Term Bonds in Infrastructure investments etc o (-) Advs. Against FCNR & NRE [ineligible for CRR & SLR] o (-)Investments made in the Recapitalization Bonds Pradhan Mantri Jan-Dhan Yojana – (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner. The highlights are- Account can be opened in any bank branch or Business Correspondent (Bank Mitra) outlet. BSBDA Account are opened under this with features- o There is no requirement of minimum balance. o The services available include deposit and withdrawal of cash at bank branch as well as ATMs; receipt/credit of money through electronic payment channels or by means of collection/deposit of cheques. o Rupay debit card can be issued to the account holder after the age of 18 years. o Facility of ATM card or ATM-cum-Debit card. These facilities are to be provided without any extra cost. Vijeta – March 2020 Page | 57 o Any individual above the age of 10 years can open BSBDA Account. Illiterate customers can be issued RuPay Card, however, Branch Manager will have to advise all the related risks to the illiterate account-holder at the time of issuance of RuPay Card. To get benefit of Accidental Insurance Cover, RuPay Debit Card must be used at least once in 90 days. If someone has two or more accounts and two or more RuPay Debit Cards, accidental insurance cover is available in only one account /card. A person who is already having a bank account with any bank NEED NOT to open a separate account under PMJDY. He/she will just have to get issued a RuPay Card in his existing account to get benefit of insurance. Credit facility can be extended in the existing account if it is being operated satisfactorily. Overdraft facility up to Rs.10000/- will be available to one account holder of PMJDY per household after 6 months of satisfactory conduct of the account. To avoid duplication Aadhaar number will also be required. Accidental Insurance Cover is Rs.2.00 lac and no premium is charged to the beneficiary -- NPCI will pay the premium. Accidental Insurance cover of Rs.2.00 lac will be available to all accountholders. However, overdraft facility upto Rs.10000/- will be available to only one person in the family (preferably lady of the house). Documents required to open an account under Pradhan Mantri Jan-Dhan Yojana- o If Aadhaar Card/Aadhaar Number is available then no other documents is required. If address has changed, then a self- certification of current address is sufficient. o If Aadhaar Card is not available, then any one of the following Officially Valid Documents (OVD) is required: Voter ID Card, Driving Licence, Passport, NREGA Card NPR certificate. If these documents also contain your address, it can serve both as "Proof of Identity and Address".
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