Agenda 159th SLBC Meeting, M.P. Convenor: Central Bank of India Venue: Conference Hall, Central Bank of India, 9 Arera Hills, Date: 10th March 2016 BHOPAL 0 Index SR. AGENDA PAGE 1 Adoption of the Minutes of the 158th SLBC meeting held on 16.11.2015 4 2 Action Taken Report 5-7 3 Review of performance under Annual Credit Plan (ACP) 2015-16 8-9 a. ACP achievement for Quarter ended 31st December 2015 8 b. Agency wise ACP achievement FY 2015-16 9 b. Comparative achievement of ACP over corresponding previous year 9 4 CD Ratio performance in Madhya Pradesh 10-11 a. Comparative CD Ratio over corresponding previous year 10 b. Credit to Deposit Ratio Agency wise 10 c. Districts with CD Ratio below 40% 11 5 Pradhan Mantri Fasal Bima Yojana 12-15 6 Prime Minister’s Start-up India Programme 16 7 Pradhan Mantri Awas Yojana 17 8 Progress under Pradhan Mantri MUDRA Yojana 18-19 9 Roadmap for opening brick & mortar branches in villages with population 20-22 more than 5000 without a bank branch of a scheduled commercial bank 10 Rolling out DBT in Kerosene 23 11 Providing Solar Powered VSAT under FIF for Connectivity 24 12 Social Security Schemes 25-27 a. Progress under the schemes b. Claim Status under these schemes 13 Performance under Housing Loan Schemes 27-29 a. Chief Minister Rural Housing Mission (CMRHM) b. Urban Poor Housing Finance 14 Progress under Govt. Sponsored Schemes/Programmes in Madhya 29-34 Pradesh a. Mukhya Mantri Yuva Udyami/Swarojgar Yojana/Arthik Kalyan 29-31 Yojana 32 b. PMEGP 33 c. Education Loan d. NRLM PMEGP 34 15 Functioning of RSETIs and FLCs 35 a. Performance of the RSETIs during the FY 2015-16 b. Progress under Financial Literacy at Govt. ITIs, Pvt. ITIs, Skill 36 Development centres 16 NPA Management 36-37 a. NPA position: Sector wise b. Recovery Mechanism and BRISC 1 17 Performance of Banks in different Sectors in Madhya Pradesh 38-40 a. Kisan Credit Card 38 b. Weavers‟ Credit Card (WCC) 39 c. Swarojgar Credit Card 39 40 d. Financing to Minority Communities 40 e. Financial Assistance: Scheduled Caste 18 Other issues 40-41 a. Conversion of normal bank accounts of beneficiaries of welfare 40 schemes under DBT into PMJDY bank accounts b. One Branch One Agri Clinic/Agri Business Centre 40 c. Difficulties in lodgment of FIR in fraud reporting 41 d. Sub Committee Meetings of SLBC 41 19 Any other issues with permission of the chair 43 ************************************************************************************ 2 Tables Table Contents of Table showing progress in Madhya Pradesh for No. 31.12.2015 1 Bank wise position of branches/ATMs as on 31.12.2015 2 Centre wise information regarding Deposits, Advances and CD Ratio 3 Bank wise comparative Data regarding Deposits, Advances and CD Ratio 4 Bank wise outstanding of Priority Sector advances 5 Bank wise outstanding of Non-Priority Sector advances 6 Position of outstanding Advances to Weaker Sections 7 Target and ACP FY 2015-16 achievement under Agriculture 8 Target and ACP FY 2015-16 achievement under Priority Sector 9 Target and ACP FY 2015-16 achievement under Non-Priority Sector 10 Bank wise position of NPA 11 Bank wise NPA under Priority Sector advances 12 Bank wise NPA under Non-Priority Sector advances 13 Bank wise NPA under Govt. Sponsored Schemes 14 Bank wise position of recovery cases filed under MP Public Money (Recovery of Dues) Act 1981/BRISC Scheme 15 Bank wise Progress under Mukhya Mantri Yuva Udyami Yojana FY 2015-16 16 Bank wise Progress under Mukhya Mantri Swarojgar Yojana FY 2015-16 17 Bank wise Progress under Mukhya Mantri Arthik Kalyan Yojana FY 2015-16 18 Bank wise Progress under PMEGP FY 2015-16 19 Progress under Pradhan Mantri Jan Dhan Yojana 20 Performance report of Business Correspondent Agents 21 Progress under Social Security Schemes 22 Progress under Pradhan Mantri MUDRA Yojana 23 Progress under M.P. State Rural Livelihood Mission (SRLM) 24 Progress under Kisan Credit Card 25 Loans disbursed to Minority Communities (Religion wise) during 2015-16 26 Loans outstanding to Minority Communities 27 Financial Assistance to SC/ST 28 Bank wise outstanding under MSME advances as on 31.12.2015 29 Progress under Education Loans 30 Data on coverage of women 31 Bank wise report on implementation of Official Language 32 Branch Expansion Plan 33 Bank wise data on restructured accounts 3 1. Adoption of the minutes of the 158th SLBC meeting held on 16.11.2015 The Minutes of 158th Meeting of SLBC held on 16 November 2015 were circulated to all concerned and has been uploaded on website of SLBC (www.slbcmadhyapradesh.com) and website of DIF of M.P Government (www.dif.mp.gov.in). The actionable points have been indicated for desired action. No amendment/suggestion to the circulated minutes of the said meeting has been received, so far. Therefore, the house is requested to confirm and adopt the said minutes. 4 2. Action Taken Report on Action Points of 158th SLBC meeting held on 16th November 2015. S Agenda Item/Action Points Action Taken Report N 1 ACP Achievement: Recently NABARD has come out Banks have been informed suitably and advised with revised criteria in respect of agriculture loans. It was to achieve target of 7% for small & marginal further stated that Banks will give due focus on education farmers up to 31st March 2016 & 8% by 31st loan and housing sector in the remaining quarters. March 2017, out of 18% target for agriculture loans under priority sector. Achievement under education loans is 95% and achievement under housing sector is 82% up to 31.12.2015. The attention of house was drawn towards the misuse of Data of 159th SLBC shows segregated figure of crop loan for purchasing of tractor and farm implements in Farm Credit. Out of which Crop loan component State in view of crop loan portfolio size under total is shown separately. The average crop loan size agriculture advance. It was apprehend that short farm crop of major banks comes around 1 lac per loan is used for medium & long term investment loan. borrower. However, component of KCC limit comprises repairs & maintenance charge of implements/ancillary activities and consumption loan and they are being utilized as per farmers‟ choice. Bank‟s branches have accepted premium from All banks should advise their branches to promote non- Non-loanee farmers during Rabi Crops 2015. loanee farmers in respective service area of the branch to This will be continued. Banks have collected have crop insurance, so that in case of natural calamity, premium from around 42000 number of non- they are eligible to cover through the crop insurance. loanee farmers. (Source AIC, Bhopal) 2 Credit Deposit Ratio: Three districts viz. Anuppur, Performance of these districts are reviewed Shahdol and Umaria are below the minimum set standard minutely during sub committee meeting held on of 40%, while Tikamgarh has managed to cross the January 28, 2016. LDMs were called and they minimum ratio. It was emphasized that no district should have been suggested to focus on key areas of be below minimum set ratio of 40% by year-end. activities in their districts to cross the benchmark. Some big projects/investment is essential to increase CD ratio of these districts. GoMP is requested to explore the possibilities of new investment. 3 Natural Calamity Droughts & Relief Measures: At the time of last SLBC meeting number of The total number of affected 141 Tehsils of 22 districts are drought affected districts declared by the State declared by the State Government . Banks were requested Govt. were 22. Later on, 20 more districts are to convert the short term loans provided to farmers in to declared drought affected raising the total no. of medium term loans on the basis of Annavari Certificate districts 42. Banks have instructed branches to issued by the District Administration for the entire comply with the guidelines of RBI and village/Patwari Halka. accelerate conversion of short term loans to medium term loans. In the state, total number So far as banks‟ requirement of signed application from the of accounts restructured in FY 2015-16 is 26717 affected farmers is concerned, the same may be obtained of amount Rs 488.35 Crores. Bankwise progress with the help of local administration. on restructured accounts is shown in table no. 33. All farmers should be given written intimation about the insurance claims received and adjusted/credited in their State Govt. is requested to extend help to the accounts and also a list of beneficiaries may be posted on banks. the front wall/notice board of the bank branch. The Chief Secretary directed that relief amount paid under Instructions have been issued to this effect. RBC 6 (4) to the farmers should not be adjusted against 5their loan accounts since it is a relief amount paid by the State Government and short-term loan is being converted into medium term loan. 4 Progress under Social Security Schemes: There Banks have reported to SLBC that there is no should not be any pendency in enrollment of applications pendency at their branches and all pending by 30.11.2015. All banks were requested to comply with applications received are fed in the system. the same. 5 The Chief Secretary suggested that efforts should be made Govt. of India has also issued guidelines for to synergize the State Government schemes with MUDRA convergence of NRLM (Non-farm sector) & Scheme for better results. NULM schemes. Banks are reporting achievements under MUDRA on this line. Applications under MUDRA canvassed by the banks So far banks have financed Rs.