DOCSLIB.ORG

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

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
86 | 20Th September, 2018 Organised by Rourkela Institute of Management Studies (RIMS), Rourkela INTERNATIONAL JOURNAL OF BUSINESS, MANAGEMENT AND ALLIED SCIENCES (IJBMAS) A Peer Reviewed International Research Journal www.ijbmas.in ISSN: 2349-4638 Vol.5. Issue.S1.2018 Financial Inclusion for Inclusive Growth – A Case Study of Utkal Grameen Bank (UGB) Dhiroj Kumar Panda1 M.Phil Scholar Rajendra Autonomous College, Bolangi E mail id: [email protected] Rajlaxmi Barik2 M. Phil Scholar Gangadhar Meher University E mail id: [email protected] Abstract Finance has become an integral part for the development of the society as well as economy of the country. Proper utilization and mobili- zation of finance is necessary for the inclusive growth and it can be possible through financial inclusion. Financial inclusion is a bold step taken by government of India to include the financially excluded people in to the financial boundary of the economy. And this can be achievable only through the cooperation of all banking institutions like commercial banks, Regional Rural Banks (RRBs) etc. The RRBs plays a significant role in the development of the rural people through financial inclusion which helps for inclusive growth and sustainable development. Financial inclusion is a process of ensuring access to suitable financial products and services needed by sus- ceptible growth such as weaker sections and low income groups at an affordable cost in a fair and transparent manner by mainstream financial intuitional players. The study focus on the importance of financial inclusion in rural areas and through light on the steps taken by the Utkal Grameen Bank (UGB) and various strategies adopted to strengthen the financial inclusion. UGB has operates in 17 econom- ically backward districts all over the state having 57% of the total districts. Utkal Grameen Bank (UGB) is a door step bank to provide financial and banking services to the rural people like village artisans, small entrepreneurs, landless and tenant farmers, weavers etc. This banking institution helps them by providing credit facilities. The development of a country’s economy always depends upon the devel- opment of rural areas. So the objective of economic planning can never be achievable unless and until we uplift the economic conditions of rural poor people of India. This study is based on secondary data collected from annual reports of UGB, reviews of print literature and visit to the head office of UGB. Financial performance of UGB in rural areas has been analyzed with the help of key parameters like Saving Bank Accounts, PMJDY, Zero Balance Account, Mobile Seeded and Aadhar Seeded in rural as well as urban areas. The study found and concluded that UGB plays a significant role for sustainable development and inclusive growth through financial inclusion. Keywords: Financial Inclusion, UGB, Inclusive Growth, Sustainable Development, PMJDY participation is essential for the economic growth. In other words 1. Introduction inclusive growth as a strategy of economic development should not only aim at equitable distribution of growth benefits but also at When the economy development is focus on the sustainable de- creating economic opportunities along with equal access to them velopment there must be attempts to include maximum number of for all. participation from all the section of the society. But due to lack of For attaining the objectives of inclusive growth there is a need for awareness and financial literacy among the rural population it resources and for resources generation and mobilization financial cannot be possible. Central Government is trying to make attrac- inclusion is required. Financial inclusion plays a very crucial role tive for institutions to offer banking services to everyone, as it is in the process of economic growth. Financial inclusion is a part of as important as the other basic necessities of life. It is necessary to inclusive growth as it focuses on delivering financial services at equal distribution of wealth for inclusive growth. India has for a much affordable costs to the under privileged sections of the so- long time, recognized the social and economic imperatives for ciety. inclusive financial inclusion and has made a huge contribution India needs inclusive growth in order to attain rapid and discip- towards economic development by finding innovative ways to lined growth. Inclusive growth is necessary for sustainable devel- empower the poor. opment. Achieving inclusive growth is important and is one of the As per the planning commission of India, the term “inclusive” biggest challenges for the nation. The challenges to take the level should be seen as a process of including the excluded parts whose Proceedings of International Seminar on “Recent Trends in Management, Commerce & Social Sciences-2018 (RTMCSS-18)” on | 86 | 20th September, 2018 Organised by Rourkela Institute of Management Studies (RIMS), Rourkela. Int.J.Buss.Mang.& Allied.Sci. (ISSN:2349-4638) of growth to all sections of the society and to all parts of the socie- Rao and Rao (2014) have made a recent study on the perfor- ty and it can be done through Financial Inclusion. mance of RRBs in India in general and Andhra Pradesh Grameena Vikash Bank (APGVB) in particular. This paper is highlighted the 2. Review of Literature vital role that RRBs provide for the development of rural and agri- Research work cannot be completed without the in – culture sectors and is followed by detailed analysis of the perfor- depth study of the earlier researches. Prior research work not only mance of APGVB. The commendable performance of APGVB is provides guidance but also throws light on the direction in which pointed out. The need for expansion of the activities of APGVB any new research must proceed. The researcher has to tries to scan and other RRBs for the faster, inclusive and sustainable develop- the all literature available from various sources so as to determine ment of India has been pointed out. the objectives and methodology of the current research work. A Patnaik (2015) analyzed that only 13.8% of the responded in number of studies have been reviewed with intend to understand Bhubaneswar have access to bank accounts and of the total re- the research methodology. There had some of the review of litera- sponded who do not have bank account due to various reason are tures which has been previously undertaken in the field of Finan- alarmingly are not aware of PMJDY scheme. Almost male 78.9% cial Inclusion presented in an ascending chronological order: and in 90.08% were not aware of the scheme. The study con- Hemlata & Poonam Sing (2009) studied on “financial inclusion cluded that the banks should make more effort in creating aware- through Regional rural bank” they have analyzed the micro level ness on zero balance account and should aggressively campaign data on RRBs related to manpower development, saving mobiliza- for such scheme. tion, credit disbursement, micro financing in post merger period. Sahoo et al. (2017) attempted to study the determinants of finan- The study recommends that RRBs should extend their services in cial inclusion in two tribal populated districts namely Bolangir and to unbanked areas and increase their credit deposit ratio and there- Mayurbhanj in Odisha. He has investigated 300 households of two by play special role in financial inclusion. districts and found that largest share of the tribal population (71%) Gupte R. et al (2012) attempted to devise a financial inclusion is not involved in any kinds of SHG related activities. The study index which could measure both the extent and impact of financial recommends that the Indian Policy Agenda should focus on de- inclusion and strategies devised for the same. He has taken up four mand side factors along with the supply side factors in order to dimensions for computation of FII (financial inclusion index) i.e. development poorest section of the poor economy. Outreach, usage, ease of transactions and cost of transactions. For Research Gap the purpose of calculations and construction of FII, the maximum There have been many research conducted in India but a and minimum values are set to the actual observed maximum and few studies have been conducted in relation to Regional Rural minimum values of the indicators from 139 countries. In the paper, Bank and UGB of Odisha. After implementation of PMJDY the author has also studied the initiatives being taken by the Gov- scheme a few study have been conducted on UGB in relation to ernment of India for the achievement of this Millennium Devel- Financial Inclusion. To cover this research gap, the researcher has opment Goal of financial inclusion and has tried to categorize chosen this topic for research study. them into initiatives impacting outreach (SHGs, KCCs, opening Relevance of the Study bank branches in unbanked areas & Micro-finance Institutions) The study on financial inclusion and inclusive growth is and initiatives impacting ease & cost of transactions (No frills a great importance in the present day situations. Active participa- A/Cs, relaxing KYC norms, BCs, EBTs, Biometric ATMs & tion of each and everyone from each part of the society in the GCCs). financial system of the country is prerequisites for the effective Chauhan A (2013) attempted to study the overview of financial functioning of financial system. Financial system facilitates the inclusion in India by making comparison between India and some needs of those who need money and those who have surplus mon- other selected countries regarding number of branches, ATMs, ey. Banking habits is the simple way to enter in to the financial bank credit etc. to identify India’s position regarding financial system as well as financial inclusion. Therefore the study analyzed inclusion as compared to other selected countries. The author also the financial inclusion practices by UGB in rural areas. attempted to know the various strategies adopted by RBI for 3. Objectives of the Study strengthening the inclusion and the steps taken by banks to streng- To find out the steps taken by the UGB in the area of fi- then financial inclusion with the help of a case study of Axis Bank.
Load more

Recommended publications
  • Agenda of 148Th SLBC Meeting
    BANKING AT A GLANCE IN ODISHA AS ON 30th JUNE 2017 Sl Particulars Amt in Crore 1 Total Deposit 255831.54 Total Advance utilized in the state 177707.45 2 Total Advance sanctioned and utilized in the state 131979.65 3 Total Business (Deposit + Advance) 433538.99 4 Credit Deposit (CD) Ratio (%) Benchmark- 60% 69.46 Credit Deposit Ratio excluding advance sanctioned in other 51.59 state and utilized in our state 5 CD Ratio of Rural Branches 65.83 CD Ratio of Semi Urban Branches 50.46 CD Ratio of Urban Branches 44.83 Total PS Advance 81021.98 6 % of PS Advance to ANBC Benchmark - 40% 61.39 Agriculture Advance 43173.40 7 % of Agriculture Advance to ANBC 32.71 Benchmark - 18% MSME Advance 23649.50 % of MSME Advance to ANBC 8 Out of which, Micro Enterprises (Benchmark– 7.5 % of 17.91 ANBC) Advance to Weaker Section 23468.26 9 % of Advance to weaker section to PS Adv. 28.97 Benchmark – 25% 10 Education Loan B/o 2145.07 11 Housing Loan B/o 11310.96 12 Export Credit B/o 416.77 13 Total DRI Advance 370.20 Total Advance to Minority community 2718.09 14 % of Advance to Minority community of Total Priority Sector 3.35 (Norm 15 % of Priority Sector) Advance to Women 18021.35 15 % of Advance to Women(Benchmark – 5% on NBC) 13.65 16 Credit Investment to Deposit Ratio % 71.21 NPA in % (Average in the state) 11.97 Public Sector Banks 15.03 17 Private Sector Banks 0.92 RRBs 26.99 1 Cooperative Banks 6.92 Total No.
    [Show full text]
  • Scale-I, II & III) and Office Assistants (Multipurpose
    Common Recruitment Process for Recruitment of Officers (Scale-I, II & III) and Office Assistants (Multipurpose) in Regional Rural Banks (RRBs) - CRP RRBs X Website: www.ibps.in In case of queries / complaints please log in to http://cgrs.ibps.in/ The online examinations for the next Common Recruitment Process for RRBs (CRP RRBs X) for recruitment of Group “A”-Officers (Scale-I, II & III) and Group “B”-Office Assistant (Multipurpose) will be conducted by the Institute of Banking Personnel Selection (IBPS) tentatively in August and September/ October 2021. The interviews for recruitment of Group “A”- Officers (Scale-I, II & III) under the same process will be coordinated by the Nodal Regional Rural Banks with the help of NABARD and IBPS in consultation with appropriate authority tentatively in the month of November 2021. Any eligible candidate, who aspires to join any of the Regional Rural Banks listed at (A) as Group “A”-Officers (Scale- I, II & III) and Group “B”-Office Assistant (Multipurpose), is required to register for the Common Recruitment Process (CRP for RRBs- X). For the posts of Officers Scale I and Office Assistant (Multi-purpose) the examination will be two tier i.e. the Online Examination will be held in two phases, Preliminary and Main. For the post of Office Assistant (Multi-purpose), candidates who will qualify in Preliminary Examination and shortlisted will have to appear for Main Examination. They will be provisionally allotted on the basis of the marks obtained by them in the Main Examination and the vacancies reported by the RRBs. For the post of Officers Scale I, candidates who will qualify in Preliminary Examination and shortlisted will have to appear for Main Examination and shortlisted candidates in the Main Examination will subsequently be called for a Common Interview to be coordinated by the Nodal Regional Rural Banks with the help of NABARD and IBPS in consultation with appropriate authority.
    [Show full text]
  • Executive Summary
    PLP 2016-17 Deogarh Executive Summary 1. District of Deogarh is situated in the Western region of the State having its Head Quarter at Deogarh. The district is located between 21o 11' -21 43" N Latitude and 84o 28'-85 15’ E Longitude. It is bounded by Sambalpur in the west, Sundargarh in the north and Angul in the south-east. The district has one sub-division, 3 blocks, 60 GPs and 711 inhabited villages and a municipal town. 2. The district is predominantly agriculture based having net sown area of around 66950 ha. About 34 % of the net sown area is irrigated. Despite continued fragmentation of land holdings, the core sector of the economy continues to be agriculture. The principal crops grown in the district are paddy, pulses, oilseeds, vegetables and water melon. The agro- climatic condition of the district is suitable for horticulture development. The district is famous for fruits like, Mango, Orange and litchi. 3. Sectors like goatery, dairy, fishery and agro-based and food processing industries have enough potential for development in the district. 4. The district has a network of 38 bank branches - 27 branches of Commercial Banks, 08 branches of Utkal Grameen Bank and 03 branches of Sambalpur District Central Cooperative Bank. 5. The ground level credit flow to Priority Sector increased from `9089.83 lakh in 2012-13 to `16346.21 lakh in 2014-15 registering a growth of 80% over last two years. The credit deployment to agriculture increased from `6830.25 lakh to `13029.39 lakh registering growth of 91 % during the same period.
    [Show full text]
  • Acceptance of Bank Passbook As Proof of Address for Passports
    No. VI/40L lt I t2l2otg Government of India Ministry of External Affairs CPV Division Patiala House Annexe, Tilak Marg, New Delhi, February 19, 2OI5 OFFICE MEMORAI.{DUM Subject: Acceptance ofbank passbook as proofofaddress for Passports. ***** As per the existing provisions, Passbook/Statement of running bank account of Public Sector Banks is accepted as one of the valid documents for proof of address for submitting a Passport application. The Ministry has been receiving references for inclusion of photo passbook issued by the Scheduled Private Indian Banks as well as Regional Rural Banks in addition to Scheduled Public Sector Banks. 2. The matter has been examined in the Ministry and it has been decided that henceforth ptroto pa$sbooks of the following categories of banks authorized by the Reserve Bank of India may be accepted as proof of address and photo identity: (a) Scheduled Fublic Sector Banks; (b) Scheduled Private Sector Indian Banks; and (c) Regional Rural Banks. 3. The indicative list of above three categories of banks is enclosed. In case of any doubt about the status and name of any particular bank, the same may be ascertained from the updated website of the Reserve Bank of India. Encls. a/a 0n-b. (Muktesh r. Pai6eshi) Joint Secretary(PsP) & Chief Passport Officer A11 PIAs in India and abroad 4NIIEXIJFE List of Banks for the purpose of Proof of Address and Photo identity for Passport Application A. PUBLIC SECTOR BANKS 34. Baroda Gujarat Gramin Bank 35. Baroda Rajasthan Kshetriya 1. Allahabad Bank Gramin Bank 2. Andhra Bank 36. BarodaUPGraminBank 3. Bank of Baroda 37.
    [Show full text]
  • Contents for Taking Prompt Action
    C O N T E N T S Sl No Particulars Page No 1 Banking at a glance in Odisha as on 30th June 2015 1 2 Confirmation of Proceedings of 139th SLBC Meeting 3 3 Action Taken Report on major decisions taken in 139th SLBC Meeting 3 4 NPA & Overdue position as on 30th June 2015 8 5 Fresh Issues 9 6 Branch & ATM Network 14 7 Banking Key Indicators 17 8 Achievement of Annual Credit Plan(ACP) 2015-16 under Priority Sector 19 9 Finance to Agriculture Sector 19 10 Finance to MSME Sector 21 11 RSETI Related Issues 23 12 Finance to Weaver Sector 24 13 Finance to Self Help Groups 25 14 Finance to Handicrafts Sector 26 15 Progress under Govt. Sponsored Programmes 27 16 Finance under Education Loan 29 17 Finance under Housing Loan 29 18 Implementation of Prime Minister’s New- 15 Point Programme 29 19 CGTMSE Scheme 30 20 CERSAI 30 21 Disposal of loan applications under various Govt. schemes 31 22 Conduct of Financial Literacy Camps 31 23 Coir Board Sector 31 24 Service Area Approach 32 LIST OF ANNEXURES Annexures Particulars Page No 1 Bank wise progress under Road Map for providing Banking Services 34-35 2 FIP 2013-16 36-36 3 Finance under DRI Scheme 37-37 4 Bank wise performance under PMJDY 38-39 5 Bank wise District wise BSBDA 40-41 6 DBTL Status 42-42 7 Aadhaar Generation. 43-43 8 Scheme Wise Interest Subvention 44-50 9 Scheme wise NPA,Overdue & Recovery Position 51-58 10 Particulars of cases filed under OPDR Act and OACOMP Act.
    [Show full text]
  • LIST of REGISTERED Mlis As on 24 JUNE 2021 A. Public Sector Banks
    LIST OF REGISTERED MLIs as on 24 JUNE 2021 A. Public Sector Banks Sr No NAME 1 BANK OF BARODA 2 BANK OF INDIA 3 BANK OF MAHARASHTRA 4 CANARA BANK 5 CENTRAL BANK OF INDIA 6 INDIAN BANK 7 INDIAN OVERSEAS BANK 8 PUNJAB & SIND BANK 9 PUNJAB NATIONAL BANK 10 STATE BANK OF INDIA 11 UCO BANK 12 UNION BANK OF INDIA B. Private Sector Banks Sr No NAME 1 AXIS BANK LIMITED 2 BANDHAN BANK LTD 3 CATHOLIC SYRIAN BANK 4 CITY UNION BANK LTD 5 DCB BANK LIMITED 6 DHANALAXMI BANK LTD 7 HDFC BANK LTD 8 ICICI BANK LTD 9 IDBI BANK LTD 10 IDFC FIRST BANK LIMITED 11 INDUSIND BANK LTD. 12 KARNATAKA BANK 13 KOTAK MAHINDRA BANK LTD 14 RBL BANK LIMITED 15 TAMILNAD MERCANTILE BANK LTD 16 THE FEDERAL BANK LTD 17 THE JAMMU AND KASHMIR BANK LTD 18 THE KARUR VYSYA BANK LTD 19 THE LAKSHMI VILAS BANK LTD 20 THE NAINITAL BANK LTD. 21 THE SOUTH INDIAN BANK LTD 22 YES BANK LTD. 1 C. Other Banks Foreign Sr NAME No 1 STANDARD CHARTERED BANK 2 DBS BANK INDIA LIMITED 3 HSBC LIMITED 4 DEUTSCHE BANK AG 5 BANK OF CEYLON 6 DOHA BANK QPSC 7 CITIBANK 8 SBM BANK LTD Small Finance Banks Sr No NAME 1 AU SMALL FINANCE BANK LIMITED 2 CAPITAL SMALL FINANCE BANK LIMITED 3 JANA SMALL FINANCE BANK 4 SURYODAY SMALL FINANCE BANK LIMITED 5 UJJIVAN SMALL FINANCE BANK 6 UTKARSH SMALL FINANCE BANK LIMITED 7 EQUITAS SFB 8 FINCARE SMALL FINANCE BANK LIMITED Financial Institutions Sr No NAME 1 SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA 2 EXPORT IMPORT BANK OF INDIA Regional Rural Banks Sr No NAME 1 ANDHRA PRADESH GRAMEENA VIKAS BANK 2 ANDHRA PRAGATHI GRAMEENA BANK 3 ARUNACHAL PRADESH RURAL BANK 4 ARYAVART
    [Show full text]
  • BANKING at a GLANCE in ODISHA AS on 31St MARCH 2019
    BANKING AT A GLANCE IN ODISHA AS ON 31st MARCH 2019 Amt in Sl Particulars Crore 1 Total Deposit 314478.16 Total Advance utilized in the state 206786.24 2 Total Advance sanctioned and utilized in the state 167544.90 3 Total Business (Deposit + Advance) 521264.40 4 Credit Deposit (CD) Ratio (%) Benchmark- 60% 65.76 Credit Deposit Ratio excluding advance sanctioned in other state 53.28 and utilized in our state 5 CD Ratio of Rural Branches 66.20 CD Ratio of Semi Urban Branches 51.25 CD Ratio of Urban Branches 47.48 Total PS Advance 105049.79 6 % of PS Advance to ANBC Benchmark - 40% 62.70 Agriculture Advance 55310.21 7 % of Agriculture Advance to ANBC 33.01 Benchmark - 18% MSME Advance 38627.53 % of MSME Advance to ANBC 8 23.06 Out of which, Micro Enterprises(Rs.17082.74) (Benchmark– 7.5 % of 10.20 ANBC) Advance to Weaker Section 31519.83 9 % of Advance to weaker section to PS Adv. 30.00 Benchmark – 25% 10 Education Loan B/o 1961.19 11 Housing Loan B/o 14369.52 12 Export Credit B/o 2191.05 13 Total DRI Advance 1209.68 Total Advance to Minority community 5148.34 14 % of Advance to Minority community of Total Priority Sector (Norm 4.90 15 % of Priority Sector) Advance to Women 16879.04 15 % of Advance to Women(Benchmark – 5% on NBC) 10.07 Credit Investment to Deposit Ratio % 67.86 16 1 NPA in % (Average in the state) 6.49 Public Sector Banks 7.64 Private Sector Banks 0.90 17 RRBs 26.56 Cooperative Banks 6.40 Small Finance Banks 1.70 Total No.
    [Show full text]
  • FINANCIAL STATEMENTS of REGIONAL RURAL BANKS 31 March 2020 2020
    #es$eer³e ûeeceerCe yeQkeÀesW keÀer efJeÊeer³e efJeJejefCe³eeb 31 cee®e& 2020 FINANCIAL STATEMENTS OF REGIONAL RURAL BANKS 31 March 2020 2020 March 2021 IMAGE IMPRESSION Designing 2021 #es$eer³e ûeeceerCe yeQkeÀesW keÀer efJeÊeer³e efJeJejefCe³eeb 31 cee®e& 2020 FINANCIAL STATEMENTS OF REGIONAL RURAL BANKS AS ON 31 March 2020 NABARD je<ì^er³e ke=Àef<e Deewj ûeeceerCe efJekeÀeme yeQkeÀ mebmLeeiele efJekeÀeme efJeYeeie, cegbyeF& National Bank for Agriculture and Rural Development Institutional Development Department Mumbai ieeBJe yeæ{s >> lees osMe yeæ{s Taking Rural India >> Forward ÒeeJeÌJeÀLeve #e$s eer³e ûeeceerCe yeJQ eÀebs JeÀe r eJf eÊee³r e meceeJesµeve Deejw Je=Àe<f e SJe b ûeeceeCr e DeLe&J³eJemLee JesÀ efJeJeÀeme ceW cenlJeHetCe& Yetecf eJeÀe jne r nw. Fmee}f S yeQeEJeÀie le$b e ceW GveJe Àe cenlJeHe tCe& efnmmee n.Q yeQJeÀebs JeÀs mebeJf ee}f ³eve JeÀe r ÒeeJf eÀ³ee JesÀ JeÀejCe #es$eer³e ûeeceeCr e yeJQ eÀebs JeÀer meKb ³ee IeìJeÀj Œ ne s ieF & n.w FmeJeÀs Heejf CeecemJeªHe Òel³eJs eÀ yeJQ eÀ JeÀe JeÀe³e#& es$e Deewj GveJeÀer JeÀe³e & JeÀe r cee$ee ceW Je=e×f nFg & n.w ûeeceeCr e yeJQ eÀe bs JeÀer JeÀejiejlee JeÀeHeÀer no leJeÀ GveJeÀer DeeeL| eJeÀ emq Leelf e Hej evf eYej& JeÀjleer n w pee s GveJesÀ le}g ve He$e Deejw }eYe SJe b neefve }Ks ee pewmes efJeÊee³r e mììs ceWìebs mes mHeä nels eer n.w Dele: efnleOeejJeÀ es b JeÀe s eJf eeYf eVe d Òe³eespeveebs mes #es$eer³e ûeeceerCe yeQJeÀes b JeÀe r eJf eÊeer³e emq Leelf e me s mecyebeOf ele peeveJeÀejer JeÀe r peªjle He›leer n.w Fme Hen}t JeÀe s O³eeve ce W jKele s ntS veeyee[& ve s osµe JesÀ meYeer ûeeceerCe yeJQ eÀes b JeÀe r ‹‰ cee®e & ŠˆŠˆ SJe b eHf eí} s Je<e& JeÀe r efJeÊeer³e emq Leefle me s mecyebeOf ele peeveJeÀeje r JeÀe s Fme Heeg mq leJeÀe ce W meceseJf eÀle efJeÀ³ee nw.
    [Show full text]
  • (Scale-I, II & III) and Offi
    Institute of Banking Personnel Selection Common Recruitment Process for Recruitment of Officers (Scale-I, II & III) and Office Assistant (Multipurpose) in Regional Rural Banks (RRBs) - CRP RRBs VIII Website: www.ibps.in In case of queries / complaints please log in to http://cgrs.ibps.in/ The online examinations for the next Common Recruitment Process for RRBs (CRP RRBs VIII) for recruitment of Group “A”-Officers (Scale-I, II & III) and Group “B”-Office Assistant (Multipurpose) will be conducted by the Institute of Banking Personnel Selection (IBPS) tentatively in August and September 2019. The interviews for recruitment of Group “A”- Officers (Scale-I, II & III) under the same process will be coordinated by the Nodal Regional Rural Banks with the help of NABARD and IBPS in consultation with appropriate authority tentatively in the month of November 2019. Any eligible candidate, who aspires to join any of the Regional Rural Banks listed at (A) as Group “A”-Officers (Scale- I, II & III) and Group “B”-Office Assistant (Multipurpose), is required to register for the Common Recruitment Process (CRP for RRBs-VIII). For the posts of Officers Scale I and Office Assistant (Multi-purpose) the examination will be two tier i.e. the Online Examination will be held in two phases, Preliminary and Main. For the post of Office Assistant (Multi-purpose), candidates who will qualify in Preliminary Examination and shortlisted will have to appear for Main Examination. They will be provisionally allotted on the basis of the marks obtained by them in the Main Examination and the vacancies reported by the RRBs.
    [Show full text]
  • Cc/S&B/S 411248
    qT{frq €e {qt ilo- 'rT{Sq dc OSBI STATE BANK OF INDIA 31.01 .2020 cc/s&B/s 411248 The Executive Director The Managing Director BSE Ltd., Phirojee Jeejeebhoy National Stock Exchange of lndia Ltd. Towers 25th Floor Exchange Plaza,Sth Floor, Plot No. C/1, Dalal Street, G-Block, Bandra-Kurla Complex, Mumbai-400001 Bandra (East), Mumbai - 400051 Dear Sir/Madam, WORKING FINANCIAL RESULTS FOR THE QUARTER & NINE MONTHS]ENDED 31.12.2019: OUTCOME OF BOARD MEETING We refer to our letter no. CC/S&B/NJ/1188 dated 13.01 .2020 and in terms of Regulation 33 of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015 (the "listing regulations"), we fonrvard herewith copy of the working financial results of the Bank along with the Limited Review Report for the quarter and nine months ended 31.12.2019 approved by the Central Board of the Bank at its meeting held today on 31 .01.2020 at Mumbai. The Board meeting started at 10.30 a.m. and concluded at13:5p,m Kindly take the same on your record Thanking you, Yours faithfully, A,Y (Sanjay M Abhyankar) Vice President Compliance- Company Secretary Encl: as above *cs\E qtasftIFT & Dopt. @ bank.sbi q +91222274}a4r/49 *qr gttirc Aqnr, iq{ snFr fr-€ RqFr, Shares & Bonds Dept, q +912222747476174137 o]fte b-d, ond\e b-q, Corporate Centre, $ *gt zz 22742842 14qr qr6r, t}e d-o qcc, ras: Tm, t}e *'o r+c, l4thFloor, State Bank Shavan, & +91 22 2285 s348 qrqrq qrqr ts. qRTq orqr r}s, Madame Cama Road, tlr{q & +972222740527 Ii{$ - Booo?9, t[tf, 1j+$ - uooo?i, Mumbai - 400021, lndia STATE BANK OI INDIA CORPORAIE CENIRE, MUMBAI - 4OO O2I UNAUDITED FINANCIAI.
    [Show full text]
  • A Dissertation Report on Service Quality Dimension Impact on Customer
    A dissertation report on Service quality dimension impact on customer satisfaction in regional rural bank in Orissa Submitted in partial fulfilment of the requirements for the degree of Master of Business Administration (MBA) By A.SANKAR RAO 313SM1016 Under the Supervision Of Faculty Adviser Dr. RAJEEV Ku. PANDA (Assistant Professor) SCHOOL OF MANAGEMENT NATIONAL INSTITUTE OF TECHNOLOGY-ROURKELA 2015 SCHOOL OF MANAGEMENT NATIONAL INSTITUTE OF TECHNOLOGY-ROURKELA CERTIFICATE OF ORIGINALITY This to certify that the project entitled “Service quality dimension impact on customer satisfaction in regional rural bank in Orissa” submitted by Akuthota Sankar Rao bearing roll number 313sm1016 for the partial fulfilment of the requirements for the degree of Master of Business Administration embodies the genuine work done under his supervision. Date: SHANKAR Rao Place: ROURKELA Roll No. 313SM1016 School Of Management NIT Rourkela, Odisha DECLARATION “I, Akuthota Sankar Rao, hereby declare that this project report entitled “Service quality dimension impact on customer satisfaction in regional rural bank in Orissa”, submitted by me, under the guidance of Dr. Rajeev Kumar panda, Assistant Professor, School of management, NIT Rourkela is my own and has not been submitted to any other University or Institute or published earlier”. AKUTHOTA SANKAR RAO 313SM1016 Place: Rourkela ACKNOWLEDGMENTS “It is not possible to prepare a project report without the assistance & encouragement of other people. This one is certainly no exception.” On the very outset of this report, I would like to extend my sincere & heartfelt obligation towards all the personages who have helped me in this endeavour. Without their active guidance, help, cooperation & encouragement, I would not have made headway in the project.
    [Show full text]
  • PAPERS to BE LAID on the TABLE Tuesday, February 12, 2019 11 A.M
    RAJYA SABHA —— PAPERS TO BE LAID ON THE TABLE Tuesday, February 12, 2019 11 A.M. —— 1. SHRI JAGAT PRAKASH NADDA to lay on the Table— (1) A copy each (in English and Hindi) of the following papers, under sub-section (4) of Section 18 and Section 19 of the All India Institute of Medical Sciences Act, 1956 (as amended in 2012):— (a) Annual Report and Accounts of the All India Institute of Medical Sciences (AIIMS), Jodhpur, Rajasthan, for the year 2017-18, together with the Auditor's Report on the Accounts. (b) Review by Government on the working of the above Institute. (2) Statement (in English and Hindi) giving reasons for the delay in laying the papers mentioned at (1) above. 2. SHRI SHRIPAD YESSO NAIK to lay on the Table, a copy each (in English and Hindi) of the following papers:— (i) (a) Twenty-seventh Annual Report and Accounts of the Rashtriya Ayurveda Vidyapeeth (RAV), New Delhi, for the year 2017-18, together with the Auditor's Report on the Accounts. (b) Review by Government on the working of the above Vidyapeeth. (c) Statement giving reasons for the delay in laying the papers mentioned at (i) (a) above. (ii) (a) Annual Report and Accounts of the National Institute of Ayurveda, Jaipur, for the year 2017-18, together with the Auditor's Report on the Accounts. (b) Review by Government on the working of the above Institute. (c) Statement giving reasons for the delay in laying the papers mentioned at (ii) (a) above. (iii) (a) Annual Report and Accounts of the National Institute of Naturopathy, Pune, for the year 2017-18, together with the Auditor's Report on the Accounts.
    [Show full text]