1 agenda no: 1 133rd slbc confirmation of the minutes
TRANSCRIPT
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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
No
Total Number
of RSETI
No of training
programme conducted
during April-
December
(2012-2013)
No of
persons
trained
No of persons
secured
employment/self
employment
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.
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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.
No
Name of the
Bank
No of
FLCCC
No. of
persons
Counselled
during the
quarter
No. of
Outdoor
activities
undertaken
during the
Quarter
No of
persons
participated
in outdoor
activities
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.
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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.
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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
S.No Name of the Bank No. of Villages
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
12
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
S.No Name of the District
No. of
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
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BANK-WISE ALLOCATION OF VILLAGES - 28.02.2013
S.
NO Name of the Bank Name of Block Name of Village Population Name of District Name of Branch
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
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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
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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
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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
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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
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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
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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
20
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
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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
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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
23
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
24
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
25
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
26
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
27
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
28
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.
29
Progress report under Financial Inclusion as of January 2013
Sl.
No. Name of Bank
Total No. of
villages with
population
of 1600-2000
allotted to
the Bank
Total No. of
villages with
population
of 0-1600
allotted to
the Bank
Total No. of
villages
allotted to
the Bank
under the
PACS/PACB
category
Total Villages
allotted
under both
category
Total No. of
Villages
covered in all
the category
Total No. of
villages to be
covered under
all the 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
30
Progress report under Financial Inclusion as of January 2013
Sl.
No. Name of Bank
Total No. of
villages with
population
of 1600-2000
allotted to
the Bank
Total No. of
villages with
population of
0-1600
allotted to
the Bank
Total No. of
villages
allotted to
the Bank
under the
PACS/PACB
category
Total Villages
allotted
under both
category
Total No. of
Villages
covered in all
the category
Total No. of
villages to be
covered under
all the 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
31
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.
32
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
S.No Name of the Bank Total Number of Accounts
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
33
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
S.No Name of the Bank Total Number of Accounts
Opened upto January 2013
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
34
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.
35
STATE LEVEL BANKERS' COMMITTEE, TAMIL NADU CONVENOR : INDIAN OVERSEAS BANK
PROGRESS REPORT ON EDUCATIONAL LOANS AS ON 31.01.2013
(Rs in
Crore)
Sl.
No Bank
No. of
A/Cs
Outstanding
Target given
by MOF as
on
31.03.2013
No.of
A/Cs
Amount
O/S as on
31.01.2013
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
12 Oriental Bank of
Commerce 4268 75.00 3647 69.79
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
36
STATE LEVEL BANKERS' COMMITTEE, TAMIL NADU CONVENOR : INDIAN OVERSEAS BANK
PROGRESS REPORT ON EDUCATIONAL LOANS AS ON 31.01.2013
(Rs in Crore)
Sl.
No Bank
No. of
A/Cs
Outstanding
Target given
by MOF as
on
31.03.2013
No.of
A/Cs
Amount
O/S as on
31.01.2013
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
37
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.
38
Bank-wise Data for Establishment of Ultra Small Branches up to January 2013
S.
No
Name of the Bank
Total Number of
villages allotted
under FI
(Population
above 2000) to
be covered by
BCA
No .of BCAs
appointed in
the villages
indicated in
Col 3
Establishment of USBs - Of Col 4, No. of BCA
locations for which
Officer for
Weekly Visit
Designated
Space for USB
Identified
Laptop
Procured
(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
39
Bank-wise Data for Establishment of Ultra Small Branches up to January 2013
S.
No
Name of the Bank
Total Number of
villages allotted
under FI
(Population
above 2000) to
be covered by
BCA
No .of BCAs
appointed in
the villages
indicated in
Col 3
Establishment of USBs - Of Col 4, No. of BCA
locations for which
Officer for
Weekly Visit
Designated
Space for USB
Identified
Laptop
Procured
(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
40
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
tenderer
Date of detection Denomination or
pieces
Security features
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.
41
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.
42
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.
43
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.
44
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.
45
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.
46
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
47
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
48
“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
49
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
50
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.
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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
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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.
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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.
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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.
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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.
59
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.
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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.
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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.
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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.
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Progress under Financial Inclusion by Banks - Cumulative position
As of January 2013
S.
No Name of the Bank
Number
of No-
frills
accounts
Overdrafts
in no frills
accounts
GCCs
Smart
Cards
issued
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
90
S.
No Name of the Bank
Number of
No-frills
accounts
Overdrafts
in no frills
accounts
GCCs
Smart
Cards
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
46
Tamilnadu State Apex Co-
op.Bank 36847 0 3597 0
GRAND TOTAL 10629542 80150 91149 1823412
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AGENDA No: 4 133rd SLBC
REVIEW ON BANKING DEVELOPMENTS IN TAMILNADU IN KEY PARAMETERS AS
OF DECEMBER 2012
KEY PARAMETERS (Amount – Rs.in Crores)
Parameters Dec 2011 Dec 2012 Variation & % of
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
Ratio 115.00% 122.60% 7.60%
Priority Sector Advances 164545.25 193945.44 29400.19 17.87%
% of Priority Sector Advances
to Total Advances 43.76% 43.17% -0.59%
Agricultural Advances 70516.77 88774.26 18257.49 25.90%
% of Agricultural Advances to
Total Advances 18.75% 19.76% 1.01%
Micro & Small Enterprises
(MSE) 55740.64 62682.65 6942.02 12.45%
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
to Total Advances 12.25% 10.97% -1.28%
DRI Advances 223.63 124.44 -99.19
% of DRI Advances to Total
Advances 0.06 0.03 -0.03%
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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.
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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.
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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%.
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NATIONAL NORMS
PERFORMANCE OF COMMERCIAL BANKS UNDER THE STIPULATED NATIONAL
NORMS ARE AS UNDER:
(Amount Rs.in Crores)
Particulars
National Norms for
March 2013
Achievement upto
Dec 2012
% Target
Amount %
Amount
Priority Sector Advances to
Total Advances 40.00% 179704.91 43.17 193945.44
Agricultural Advances to Total
Advances 18.00% 80867.21 19.76 88774.26
Weaker Section Advances to
Total Advances 10.00% 44926.23 9.83% 49280.66
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.
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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%
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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.
Classification of Branches Dec 2011 Dec 2012
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)
S.No. Particulars Dec 2011 Dec 2012
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
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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
Amount
% of NPA
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)
Sector
Credit Allocation Credit Disbursed % of
Achievement April 2012 to December 2012
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)
Sector
Credit disbursed
from April 2011
to December
2011
Credit disbursed
from April 2012
to December
2012
Variation in
percentage
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.
104
105
106
107
108
109
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 the Agency
Target Achievement
Projects Margin Money
Emp Projects Margin Money
Emp
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
110
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 Money
Project Cost Bank Loan
2012-13 (As on 02.01.2013)
141 226.72 647.77 615.38
Share of ST :
Year Projects Margin Money
Project Cost Bank Loan
2012-13 (As on 02.01.2013)
17 9.25 26.44 25.11
111
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)
NO. PARTICULARS SJSRY-
USEP
SJSRY-
UWSP TOTAL
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.
112
113
114
115
116
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.
117
118
119
120
121
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.
122
123
124
125
126
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 feed- back 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 Upto Rs.5
Lacs
Limit above Rs.5
lacs - upto Rs.10
Lacs
Limit above Rs.10
Lacs - upto Rs.15
Lacs
Limit above
Rs.15 Lacs - upto
Rs.25 Lacs
Total
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
127
BANK FINANCE UNDER HOUSING SCHEME – DIRECT HOUSING FINANCE FOR
THE QUARTER ENDED DECEMBER 2012
(Amount Rs in Lacs)
Sl.
No. Name of the Bank
Disbursement made during
the quarter ended Dec
2012
( 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
128
BANK FINANCE UNDER HOUSING SCHEME – DIRECT HOUSING FINANCE FOR
THE QUARTER ENDED DECEMBER 2012
(Amount Rs in Lacs)
Sl.
No. Name of the Bank
Disbursement made
during the quarter ended
Dec 2012
( 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
129
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)
Particulars
Scheduled
Castes
Scheduled
Tribes Others Total
No. Amt. No. Amt. No. Amt. No. Amt.
Total Loans
disbursed during
the Quarter 98 224.07 6 16.44 475 2706.63 579 2947.14
Member Banks are requested to furnish the details of housing loans under Golden
Jubilee Rural Housing Finance Scheme on quarterly basis to SLBC.
130
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.
No. Name of the Bank Sl.
No. Name of the Bank
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.
131
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 Applications
Received
Education Loans
Sanctioned
Loan
Applications
Rejected
Loan
Applications
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.
132
133
134
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
during the Quarter
ended December 12
Outstanding position as
of December 2012
Accounts Amount Accounts Amount
1 SGSY 12809 88.84 124476 685.09
2
PMRY
*/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%.
135
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.
No.
Name of the
Community
Disbursement during the quarter ended
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.
136
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.
No.
Name of the
Community
Outstanding Position as of
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.
137
OUTSTANDING ADVANCES TO SPECIFIED MINORITY COMMUNITIES BY
PUBLIC SECTOR BANKS – December 2012
(Amount Rs.in Crores)
S.
No NAME OF THE BANK
PRIORITY
SECTOR
ADVANCES AS
ON 31.12.2012
O/s. of
advances to
Minority
Communities
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
138
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 :
Total No.of
KCC issued
during the
Month
Of which
Number of ATM
enabled KCCs
issued during
the month
Amount of
Loan Disbursed
during the
month
(Rs in Lacs)
Cumulative No.
ATM enabled
KCCs issued
Cumulative
Amount of loan
Disbursed
(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.
139
Progress Report on Kisan Credit Card Scheme for the quarter ended 31.12.2012
(Amount Rs in Lacs)
Sl. No. Name of the Bank
Cumulative position(April 2012 to Dec 2012)
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
22
Jammu & Kashmir Bank
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
26
Oriental Bank of
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
33
State Bank of Bikaner &
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
39
Tamilnadu Mercantile Bank
Ltd. 295 388 425 210 720 599
40
Tamilnadu State Apex Co-
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
140
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).
141
142
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.
143
144
145
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.
146
147
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%
6 NPA in over all Priority Sector
Lending 8629.91 4.61 %
7 NPA in Loans under Weaker
Section of Priority Sector Lending 2476.97 4.49%
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.