digi-dhan mela at mangaluru on 25.01jnanajyothiflcc.com/wp-content/uploads/2017/07... · sri k....

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JNANA JYOTHI FINANCIAL LITERACY AND CREDIT COUNSELLING TRUST (R)

Regd. Office: Syndicate Bank Head Office Building, Manipal 576 104 Website: www.jnanajyothiflcc.com

Tel: 91-820 2570172, Fax: 91-820 2570965, e-mail: [email protected]

(Sponsored by Syndicate Bank)

Digi-Dhan Mela at Mangaluru on 25.01.2017

Syndicate Bank(Author Bank)

Institutional Sponsor Banks

COVER PAGE: Digi-Dhan Mela organized by the Ministry of Electronics & Information Technology, NITI Aayoga, Govt. of India and Govt. of Karnataka at Town Hall, Mangaluru on 25.01.2017.(1) Inauguration of Exhibition Stall arranged by Jnana Jyothi FLCC Trust along with Syndicate Bank, by Sri Nalin Kumar Kateel,

Hon’ble Member of Parliament, Dakshina Kannada, in the presence of Sri Ramesh Jigajinagi, Hon’ble Minister of State for Drinking Water & Sanitation, Govt of India. Others seen are Dr K G Jagadeesha, IAS, DC of D K District, Sri Sathish Kamath and Sri M Mohan Reddy, GMs of Syndicate Bank, Bank executives, Counsellors of our Mangaluru and Sullia FLCs and Bank officials.

(2) Visit to our Exhibition Stall by Sri Ravi Shankar Prasad, Hon’ble Union Minister for Electronics & Information Technology and Law & Justice who inaugurated the Digi-Dhan Mela, Sri M. Mohan Reddy, GM of Syndicate Bank along with Sri K. Raviraja, Secretary of the Trust explained to the Hon’ble Minister the action taken and awareness programmes conducted by Syndicate Bank and Jnana Jyothi FLCC Trust regarding digital payment systems, which were highly appreciated by the Hon’ble Minister.

Sri Arun ShrivastavaManaging Director & CEO

Sri M Mohan ReddyGeneral Manager (PSCD)

Sri Ravi Shanker PandeyExecutive Director

Sri CH S S Mallikarjuna RaoExecutive Director

Sri D Sampath Kumar CharyChairman

Andhra Pragathi Grameena Bank

Sri P Jayarama BhatManaging Director & CEO

Karnataka Bank Ltd.

Sri S RavindranChairman

Karnataka Vikas Grameena Bank

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Board of Trustees of Jnana Jyothi FLCC Trust

Sri I. N. Raghavendra BhatManaging Trustee

Sri K. Raviraja Secretary

Sri H. Suresh PrabhuTrustee

Dr. Ramachandra KamathTrustee

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Sri Arun Shrivastava, Managing Director & CEO of Syndicate Bank releasing Annual Report 2015-16 of JJFLCC Trust at Corporate Office, Bengaluru. Sri R S Pandey, Executive Director, Sri I N Raghavendra Bhat, Managing Trustee, Sri M Mohan Reddy, Sri B K Pandit, Sri V M Bhat & Sri U S Majumdar, General Managers, Sri S M Desai, Dy General Manager, Sri B R Hiremath, Asst General Manager and Sri Thimma Naik, Sr Manager of Syndicate Bank were present.

Sri CH S.S. Mallikarjuna Rao, Executive Director of Syndicate Bank visited the Central Secretariat of Jnana Jyothi FLCC Trust, Manipal on 04.10.2016. He was welcomed by Sri N.T. Hegde, Secretary of the Trust. Others seen are Sri K.T. Rai, Sri R. Subramani, Sri Achyutananda Das, Sri Satish Kamath-General Managers and Sri Ajai Kumar Sharma, Dy General Manager of Syndicate Bank and Central Secretariat staff of JJFLCC Trust.

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Annual Report 2016-17Introduction:

Providing universal access to banking services and improving the forms of credit delivery, especially for the weaker sections of the population, form the basis of the Reserve Bank’s financial inclusion agenda. All domestic Scheduled Commercial Banks (SCBs), both in the public sector and private sector, were advised to draw up board approved Financial Inclusion Plans (FIPs) as an integral part of their business strategy based on their competitive advantage. With the conclusion of Phase II (2013-16) of

FIP in March 2016, all domestic Scheduled Commercial Banks (including RRBs) were advised to set new Board approved FIP targets for the next three years, viz. 2016-2019. Recognizing the important role of robust monitoring, Banks were also advised to submit district level data on the progress made under FIPs.

The progress made under the Financial Inclusion Plans of Scheduled Commercial Banks including RRBs as at 30th September 2016 is furnished below:

Strengthening of Financial Literacy - Initiatives by Reserve Bank of India

Financial literacy has been regarded as a process that provides demand side support for financial inclusion. Target-specific content for five target groups viz. farmers, small entrepreneurs, self-help groups (SHGs), school students and senior citizens is also being designed for tailored financial literacy programmes conducted by Financial Literacy Centres (FLCs). A pilot project for

setting up 100 Centres for Financial Literacy (CFL) at the block level to scale up the existing FLC infrastructure has been initiated. Guidelines for Banks’ financial literacy centres and the operational guidelines for conducting camps by FLCs and rural branches of Banks were revised in January 2016. Banks have been advised to put in place Board approved policy for stronger FLC architecture in terms of providing basic infrastructure to FLCs as well as appointing FLC Counsellors.

(Source: RBI Report on Trend and Progress of Banking in India 2015-16)

Sl. No. Particulars Year ended

March 2010

Year ended March 2016

Half year ended September

2016#1 Banking Outlets in Rural locations – Branches 33,378 51,830 52,2402 Banking Outlets in Rural locations – Branchless mode 34,316 5,34,477 5,37,6093 Banking Outlets in Rural locations -Total 67,694 5,86,307 5,89,8494 Urban Locations covered through BCs 447 1,02,552 91,0395 BSBDA-Through branches (No. in million) 60.2 238.2 247.46 BSBDA-Through branches (Amt. in ` billion) 44.3 474.1 537.97 BSBDA-Through BCs (No. in million) 13.3 230.8 247.88 BSBDA-Through BCs (Amt. in ` billion) 10.7 164.0 181.19 BSBDA-Total (No. in million) 73.5 469.0 495.210 BSBDA Total (Amt. in ` billion) 55.0 638.1 719.011 OD facility availed in BSBDAs (No. in million) 0.2 8.0 8.412 OD facility availed in BSBDAs (Amt. in ` billion) 0.1 14.8 18.113 KCCs -Total (No. in million) 24.3 47.3 46.414 KCCs -Total (Amt. in ` billion) 1,240.1 5,130.7 5,543.415 GCC-Total (No. in million) 1.4 11.3 11.516 GCC-Total (Amt. in ` billion) 35.1 1,493.3 1,613.217 ICT-A/Cs-BC- Total number of transactions (in million) * 26.5 826.8 550.618 ICT-A/Cs-BC- Total amount of transactions (in ` billion) * 6.9 1,686.9 1,199.2* For the reporting period FY 2009-10/FY 2015-16/Half Year April-September 2016.# Provisional.

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A National Centre for Financial Education (NCFE), comprising representatives from all financial sector regulators has been set up to implement the National Strategy on Financial Education (NSFE). NCFE’s main role is to create material on financial education and conducting financial education campaigns across the country.

In order to improve the financial literacy levels, the following steps have been envisaged:

(a) Capacity building programmes for FLC Counsellors and Bank branch heads in rural areas;

(b) Conducting surveys for obtaining insights on financial knowledge, attitudes and behaviour of the people;

(c) Graded certification/training programme for BCs.

As on 31st March 2016, 1,384 FLCs were operational and 87,710 financial literacy activities (outdoor camps) were conducted by FLCs as per RBI report.

Initiatives of Government of India:The Government of India has accorded top priority

to the pursuit of financial inclusion. It has taken series of steps to bring the poor and downtrodden into formal financial system, such as Pradhan Mantri Jan Dhan Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana, Atal Pension Yojana, Pradhan Mantri Fasal Bima Yojana, Sukanya Samriddhi Yojana, etc. By launching of MUDRA Bank and Pradhan Mantri Mudra Yojana, Micro, Small and Medium Entrepreneurs are encouraged to start self-employment projects. By mapping of the Industrial Training Institutes – both Government & Private, Vocational Training Partners and other Operational Centres with Financial Literacy Centres & Bank Branches, FLCs and Banks are required to provide free financial literacy to the youth. The Mission

Office is closely monitoring the programmes conducted through periodical reports.

Digital Literacy–Towards less cash economy:Consequent upon demonetization, the Government of

India has taken steps to implement Cashless Economy and digital banking. Cashless economy is where transactions can be done without carrying physical cash i.e. payment for goods/services can be done using other options like cheques, demand drafts, debit & credit cards, Point of Sale Machines, Internet Banking & Mobile Banking. A few more cashless options available are mobile Apps like BHIM, UPI, USSD (*99#), e-wallets, Aadhar Enabled Payment System (AEPS).

The cashless economy is very convenient and beneficial. It is a fast, safe, emergency friendly and 24x7 service. Other personal benefits are travel friendly, budget discipline, trackability of misuse, offers & discounts and hassle free change. The macro benefits of cashless economy are (i) saving of paper currency costs (as per a study made in 2014, the cost of paper currency was `21,000 crore per year), (ii) wider tax net – greater fiscal advantage and (iii) lesser corruption.

There are following challenges in achieving the digital economy – difficult for tech-unsavvy, risk of identity theft, and lack of infrastructure such as low internet penetration, lack of PoS machines, etc. However, the trend of increasing use of Smartphones in India than anywhere else in the world, high proportion of working people in the total population of the country and approximately half of the population are under the age group of 26, are the positive factors to achieve cashless economy.

Banks and FLCs are advised to create awareness among general public about use of digital payment systems such as payments through Cards, UPI, USSD and Mobile Apps.

ABOUT THE TRUST

Jnana Jyothi Financial Literacy and Credit Counselling Trust, sponsored by Syndicate Bank, was established on 20.10.2010 with its Headquarters at Manipal, with the following objectives:

1. To provide financial counseling services through face to face interaction as well as through other available media like e-mail, fax, mobile etc. as per convenience of the interested persons, including education on responsible borrowing, proactive & early savings and offering debt counseling to individuals who are indebted to formal and / or informal financial sectors.

2. To educate the people in rural and urban areas with

regard to various financial products and services available from the formal financial sector.

3. To make the people aware of the advantages of being connected with the formal financial sector.

4. To formulate debt restructuring plans for borrowers in distress and recommend the same to formal financial institutions, including co-operatives, for consideration.

5. To take up any such activity that promotes financial literacy, awareness of the banking services, financial planning and amelioration of debt related distress of an individual.

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6. To bring awareness of customer rights under fair practice code.

The Trust, through its 75 Financial Literacy Centres opened in the District/Block centres allotted to the sponsor Banks by SLBCs/DCCs, is spreading financial literacy to the target groups by conducting awareness camps.

Institutional Sponsors:Karnataka Bank Ltd and two RRBs sponsored by

Syndicate Bank - Andhra Pragathi Grameena Bank (APGB) and Karnataka Vikas Grameena Bank (KVGB) have joined the Trust as Institutional Sponsors for opening/managing the FLCs in those centres allotted to them by SLBCs. KVGB joined the Trust for managing its 10 FLCs in Karnataka State w.e.f. 1st July 2016.

Management:The Management of the affairs of the Trust vests with

the Board of Trustees. The Board of Trustees comprises -

1. Sri I.N. Raghavendra Bhat (former GM of Syndicate Bank), Managing Trustee

2. Sri H. Suresh Prabhu (former ED of South Indian Bank & former GM of Syndicate Bank), Trustee

3. Dr. Ramachandra Kamath (Professor & Head, Department of Community Medicine, Kodagu Institute of Medical Sciences, Madikeri), Trustee

Sri K. Raviraja, former Deputy General Manager of Syndicate Bank has assumed charge as Secretary of the Trust with effect from 5th December 2016.

Strategies AdoptedThe Financial Literacy Centres of the Trust impart

financial literacy and counselling services to Farmers, Self-Help Groups, MSMEs, Students, Senior Citizens and others free of charge.

To achieve the objectives of the Trust, the following strategies have been adopted:

1. Collecting vital statistics of block/village panchayats, such as number & name of Villages, Schools, Colleges, Self Help Groups, Farmers’ Clubs etc. relevant to Trust activities.

2. Collecting Block-level banking data, details of Villages/Gram Panchayats allotted under Service Area Approach, un-banked villages of population of 2000 & above and below 2000, villages where BCs have been appointed.

3. Identifying and contacting District/Taluk level Government Departments, Development Agencies, Chief Executive Officers of Zilla Panchayats and Executive Officers of Taluk Panchayats, Agricultural Department, Social Welfare Department, DRDO, who are engaged in extension activities at village level.

4. Liaison with District Education Officer/ Head of Educational Institutes to provide an opportunity to conduct financial literacy classes for students – from V Std to VII Std and from VIII to XII Std separately.

5. Associating with Training Programmes organized by Rural Development & Self Employment Training Institutes and other organizations engaged in similar activities.

6. Identifying active NGOs/Farmers’ Clubs and other local organizations for conducting Financial Literacy programmes.

7. Introduction of Annual Action Plan for each Centre to conduct/associate with financial literacy programmes at Village/Block levels.

8. Making available details of all relevant information on financial literacy in the Trust’s Website.

Methodology of holding campaigns:Keeping in view the target groups who are illiterate

and less aware of financial services, the Trust since its inception, believed that –

(a) target groups cannot be expected to visit the FLCs as they are located in the District/ Tehsil headquarters, which involves cost and time, and

(b) it is not easy to mobilize people for giving financial literacy programmes.

The Trust therefore adopted a policy to identify centres, places, organizations where target groups meet in villages, i.e. forums such as Gram Sabhas, village level meetings, Farmers’ Clubs, Self Help Groups, Anganawadi workers. Financial Literacy programmes are conducted as per Reserve Bank of India syllabus, to educate the people about the need for saving, how to plan their expenditure, how to curtail unnecessary expenses, where to save their hard earned money etc. Communication through word of mouth, being the most effective way, was adopted to bring awareness of relevant financial products & services available from the Banks and Insurance Companies by associating ourselves with the meetings/programmes organized by various forums.

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In Schools, Colleges, Self Employment and other Training Centres, regular class room sessions were taken making power point presentation wherever possible apart from distribution of relevant publicity literature and display of posters on financial products & services.

The Financial Literacy materials provided by RBI and Dept of Financial Services (Mission Office) was made available to all the FLCs and they were advised to conduct the programme as per the guidelines.

Financial Literacy Awareness Programmes (FLAPs) under the financial support of NABARD:

To promote the cause of Financial Literacy and

Financial Inclusion, Financial Literacy Awareness Programmes (FLAPs) are to be conducted by the Financial Literacy Centres for unbanked/banked population of rural area including distress/suicide prone population. The objective of the session is to create awareness and educate masses in a lucid manner about the management of money, importance of savings, advantages of saving with Banks, other facilities provided by Banks, benefits of borrowing from Banks along with crop insurance. FLCs are also required to conduct digital FLAP in schools for educating the student community. NABARD is providing financial support under the Financial Inclusion Fund (FIF) for organizing the FLAPs.

PERFORMANCE OF THE TRUST

The performance of the Trust for the year ended 31.03.2017 is summarized as under:Opening of Financial Literacy Centres:

Since Karnataka Vikas Grameena Bank has joined the

Trust as institutional sponsor, the Trust has taken over the following 10 FLCs sponsored by them with effect from 1st July 2016:

Consequent upon exit of Vijaya Bank from JJFLCC Trust and forming a separate Trust viz., Vijaya Financial Literacy Trust, the 14 FLCs sponsored by them were taken over by them since 1st April 2016. As a result, the

Trust has now 75 Financial Literacy Centres in the States of Karnataka (45), Andhra Pradesh (10), Uttar Pradesh (8), Kerala (6), Haryana (5) and U.T. of Lakshadweep (1).

Sl. No. Centre District Sl. No. Centre District

1. Bailhongal Belagavi 6. Mundgod Uttara Kannada

2. Chikodi Belagavi 7. Savanur Haveri

3. Kalaghatagi Dharwad 8. Shirahatti Gadag

4. Muddebihal Vijayapura 9. Sindagi Vijayapura

5. Mudhol Bagalkot 10. Yellapur Uttara Kannada

State Syndicate Bank Karnataka Bank Andhra Pragathi Grameena Bank

Karnataka Vikas Grameena Bank Total

Karnataka 30 5 – 10 45

Andhra Pradesh 5 – 5 -- 10

Uttar Pradesh 8 – – – 8

Kerala 6 – – – 6

Haryana 5 – – – 5

U.T. of Lakshadweep 1 – – – 1

TOTAL 55 5 5 10 75

Bank-wise and State-wise spread of FLCs

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During the year 2016-17, out of 21750 programmes, the Financial Literacy Centres have organized 5919 campaigns in villages covering 206767 villagers including farmers, 4446 programmes for SHGs comprising 103552 members, 361 Farmers’ Clubs benefiting 11701 farmers, 806 programmes in Self Employment Training Institutes covering 27899 persons, 787 programmes for 21161 Anganawadi workers, 5617 programmes in Higher Primary Schools/High Schools/Colleges covering 326548 students, associated with rural branches of Banks in 700 camps covering 45656 persons and 3117 other campaigns covering 174448 persons belonging to other target groups comprising women, unemployed youth, rural service organizations etc.

FLAPs - Rural and Schools:NABARD vide its Circular No.240/DFIBT-33/ 2015

dated 13th November 2015 issued to commercial Banks advised to conduct financial literacy awareness

programmes in rural places. Accordingly, as instructed by the author Bank the Trust through its centres conducted FLAPs in rural places as per NABARD guidelines.

Keeping in view the importance of financial literacy amongst the school going children, NABARD has also advised the commercial Banks vide circular No.236/DFIBT-28/2016 dated 7th October 2016, to conduct FLAPs in schools for students of Std VIII to XII in two sessions covering the topics and Multiple Choice Questions (MCQs) prescribed by NABARD. In the end of the second session, Quiz Competition required to be conducted from the question bank of MCQs and prizes/certificates to be distributed.

The State-wise position of FLAPs (Rural and School) under financial support of NABARD conducted by various Centres sponsored by Syndicate Bank during the year 2016-17 is as follows:

Activities:As per the broad guidelines, each Centre is expected

to hold 20 to 25 programmes in a month and each

Counsellor is expected conduct 10-12 programmes in a month. The year-wise details of programmes conducted during the last 6 years are furnished below:

Year No. of FLCs No. of Programmes

No. of people covered

No.of people visited Centres

2011-12 31 2,600 1,63,423 3,434

2012-13 37 9,675 5,45,057 23,485

2013-14 55 13,696 5,91,995 27,974

2014-15 67 17,475 7,01,396 27,606

2015-16 79 21,018 8,63,185 30,259

2016-17 75 21,750 9,17,732 24,814

State

No. of FLCs sponsored

by Syndicate Bank

FLAPs (Rural) FLAPs (Schools)No. of Centres conducted the

programme

No. of programmes

No. of participants

No. of centres conducted the programmes

No. of programmes

No. of participants

Karnataka 30 16 30 3729 29 107 9801

Andhra Pradesh 5 1 1 100 5 7 501

Uttar Pradesh 8 3 5 850 7 15 1196

Kerala 6 5 11 1133 6 22 1761

Haryana 5 -- -- -- 3 4 316

UT of Lakshadweep 1 -- -- -- -- -- --

TOTAL 55 25 47 5812 50 155 13575

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State-wise performance of our Financial Literacy Centres during 2016-17

Target Group

Karnataka (45 Flcs)

Andhra Pradesh (10 Flcs)

Uttar Pradesh (8 Flcs)

Kerala(6 Flcs)

Haryana (5 Flcs)

Ut Of Lakshad-weep (1 Flc)

Total (75 Flcs)

Prog Partici- pants

Prog Partici- pants

Prog Partici- pants

Prog. Partici- pants

Prog. Partici- pants

Prog Partici- pants

Prog Partici- pants

Villages 2855 101963 1344 44161 906 30444 377 18428 437 11771 0 0 5919 206767

Self Help Groups 3152 71529 714 16690 163 4237 248 7587 159 3244 10 265 4446 103552

Farmers’ Clubs 235 7723 3 95 9 335 60 2315 54 1233 0 0 361 11701

Self Emp Trining Institutes 421 15869 114 4122 135 4196 31 1054 61 1726 44 932 806 27899

NABARD 185 15425 50 4558 82 7210 49 4726 19 928 0 0 385 32847

DIC/KVIC/MSME 75 4083 72 4432 16 1802 38 1799 11 479 0 0 212 12595

SHG Federation 133 6687 78 2954 20 806 1 122 2 64 0 0 234 10633

NGOs 425 25211 49 1987 42 2915 45 1830 16 531 53 1432 630 33906

Anganwadi Workers 357 10060 72 1652 64 1119 121 4741 162 3416 11 173 787 21161

Meetings of BCs convened by Banks 79 3130 70 3385 101 4888 1 105 2 41 0 0 253 11549

Primary Schools 1714 85711 157 5319 57 2208 64 2943 9 350 0 0 2001 96531

High Schools 1472 102861 277 19795 140 7575 117 5557 112 5423 4 163 2122 141374

Colleges / Skilling Centres 727 46285 148 8742 245 15360 211 10832 161 7342 2 82 1494 88643

NCC/NSS Camps 27 2434 3 240 4 450 9 597 0 0 0 0 43 3721

Others 815 43430 151 7153 138 7431 197 9315 51 1665 5 203 1357 69197

Association with rural branches of Banks 234 15734 83 5375 300 21119 55 2443 28 985 0 0 700 45656

TOTAL 12906 558135 3385 130660 2422 112095 1624 74394 1284 39198 129 3250 21750 917732

Melas/Exhibitions 128 81473 18 4560 46 17625 2 1120 33 13832 0 0 227 118610

No.of DCC/BLBC/Gram Sabha Meetings attended

219 13110 60 3389 103 3200 39 1535 50 2135 0 0 471 23369

No. of Persons counseled through mobile 9147 1549 3454 1636 1479 221 17486

No. of customers given preventive credit counseling 5175 1874 5513 1888 215 0 14665

Total No. of credit counseling 14322 3423 8967 3524 1694 221 32151

No. of Persons visited the FLCs 13619 3830 3656 1953 1502 254 24814

dFLAP: Consequent upon the announcement of demonetization

on 8th November 2016 by the Prime Minister of India, NABARD vide its circular No.287/DFIBT-40/2016 dated 14th December 2016, advised the commercial Banks to organize Digital Financial Literacy Awareness Programme

(dFLAP) in the rural areas to spread awareness and demonstrate hands-on experience on various banking technologies promoting cashless transactions, under the financial support of NABARD. The FLCs are required to associate with the sponsor Banks for conducting the digital financial literacy awareness programmes.

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Reserve Bank of India has also arranged 1-day training sessions for the Financial Literacy Counsellors all over India on digital payment systems. The Trust has deputed one Counsellor each from our all centres for the said training programme.

Various centres spread in the 5 States and UT of Lakshadweep have participated in the Digi Melas organized by various Banks and conducted dFLAPs in association with the sponsor Banks as well as independently.

Mapping of Skilling Centres with the FLCs: The Financial Literacy Centres have conducted camps in

Government & Private Industrial Training Institutes, Vocational Training Partners and Operational Centres through out the country to provide information on Micro Enterprises, Small & Medium Enterprises and Prime Minister’s MUDRA Yojana. Necessary information has been submitted to the author Bank on weekly basis and the matter is being monitored by the Mission Office, Department of Financial Services, Government of India, New Delhi.

The State-wise position of Skilling Centres mapped with our FLCs, sessions conducted and students covered as at the end of March 2017 are as under:

During the year 2016-17, our 75 FLCs have imparted financial literacy awareness and extended counselling

service on borrowing discipline to 32,151 people.

State (No. of FLCs) No. of Skilling Centres

No. of Skilling Centres mapped

No. of sessions conducted

No. of students cov-ered

Karnataka (45) 405 342 477 21341Andhra Pradesh (10) 400 199 173 6020Kerala (6) 33 30 114 4834Uttar Pradesh (8) 211 203 177 6891Haryana (5) 49 35 88 2936U.T. of Lakshadweep (1) 1 1 6 74TOTAL (75) 1099 810 1035 42096

VIP VisitsSri Arun Shrivastava, Managing Director & CEO of Syndicate Bank at Mathura

Syndicate Bank, Regional Office, Agra organized a programme for Business Correspondents on 16.3.2017 at Hotel Duke Place, Mathura and the programme was inaugurated by Sri Arun Shrivastava, Managing Director & CEO of the Bank. The programme was attended by Sri R. Ashokan, FGM of Lucknow and Sri Rakesh Kumar, RM of Agra. During the programme, Sri Amit Chaturvedi, Counsellor of our Mathura FLC addressed the BCs about financial literacy aspects.

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Sri CH S S Mallikarjuna Rao, Executive Director of Syndicate Bank at Mangaluru

Sri CH S S Mallikarjuna Rao, Executive Director of Syndicate Bank visited our Mangaluru FLC on 04.03.2017 along with the GMs of Syndicate Bank Sri K T Rai, Sri Satish Kamath and the RM of Mangaluru Sri N S Somayaji. He was greeted by the Counsellors of the centre Sri K Ravindra Ballal and Sri Satish Kumar Attavar.

Visit of Under Secretary, DFS, Government of India to Udupi FLC:Sri Rakesh Kumar Gupta, Under Secretary, Dept. of Financial Services, Ministry of Finance, Government of India, New Delhi paid a surprise visit to our Financial Literacy Centre, Udupi on 30.04.2016. While reviewing the performance and activities of the centre, he ascertained the details of programmes conducted by the centre at Villages, for Self-Help Groups, Senior Citizens, MSME, Students at Schools and Colleges, etc. He appreciated activities of the Centre and signed the Visitors’ Book with the remarks: “FLC and FIRC well maintained and found to be in order”.

NABARD CGMs: Sri V R Raveendranath, CGM, NABARD, Kerala visited our Kasaragod FLC on 13.02.2017 along with Sri Jyothis Jagannath, AGM, NABARD (Kasaragod District), and reviewed the activities of the centre with special reference to Digital literacy programmes. He remarked in the Visitors’ Book: “Well informed Counsellors. I learnt State Bank

Buddy operation here. All the best.”

Sri M I Ganagi, CGM, NABARD, Bengaluru visited our Chikodi FLC on 16.09.2016 along with Sri A.G. Mavinkurve, AGM (NABARD) While reviewing the

performance of the FLC, he discussed the strategies to be adopted for conduct of financial literacy programmes.

Sri M I Ganagi, CGM, NABARD, Bengaluru visited our Bantwal FLC on 14.02.2017 and reviewed the

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performance of the centre. He remarked in the visitor’s book as follows:

“Highly impressed with the work done by the FLC. Counsellors are clear about the roles and responsibilities.

Keep up the good work done. All the best.”

Karnataka Bank AGMs: Sri Venkatakrishna Bhat, AGM of Karnataka Bank, HO Mangaluru visited our Tiptur FLC on 10.02.2017 along

with Sri Kumaraswamy, EO of Taluk Panchayat, Tiptur and Sri Sudeendra, Branch Manager, Karnataka Bank, Tiptur Branch and reviewed the activities of the centre.

He remarked in the Visitors’ Register : “Very good efforts and good programmes, targeting key areas in literacy.”

He also participated in a financial literacy programme arranged by the centre on this occasion.

Sri B S Ramachandra, AGM of Karnataka Bank, RO,Mysuru visited our Alur (Hassan District) FLC

on 07.03.2017 and reviewed the performance of the centre. He remarked that he was very much impressed with the good work done by the FLC and involvement of the Counsellors. He also appreciated the systematic approach in spreading financial literacy.

Ghaziabad: During Mahaya Devi Mela at Sikri Khurad from 08.04.2016 to 15.04.2016 our Ghaziabad FLC put up a publicity stall and the stall was visited by Sri Atul Kumar, Sub-Divisional Magistrate, Sri S P Sharma, Station House Officer, Sri C M Srivastava Block Dev Officer/Melaprabhari, Smt. Saroj Sharma, Chairperson of Nagar Palika of Modinagar, Pradhan of Sikri, Kajampur, Sekheda and Branch Managers of Syndicate Bank,

Modinagar and Sikri Kalan Branches.

A megha Financial Literacy Camp was organized in association with Syndicate Bank, Sikri Kalan Branch on 22.12.2016 in Sikrikalan Village. The function was

attended by Sri R Ashokan, FGM of Syndicate Bank, Lucknow, Sri K Manjunath, GM, Syndicate Bank, CO,

Special Events

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Bengaluru, Sri C Sridharan, DGM, Syndicate Bank, RO, Ghaziabad.

Ghaziabad FLC put up a stall at Digi-Dhan Mela organized by the District Authority of Ghaziabad at Muradnagar on 25.03.2017. The stall was visited by the local MLA Sri Manju Sivach, Sri C Sridharan, DGM, Sri P K Pathak, AGM, Sri R S Meena, LDCM of Ghaziabad.

Street Play on Financial Literacy in Shikaripura Taluk.

Our Shikaripura FLC arranged street play by Malanadu Kala Thanda, Shivamogga in 5 places of Shikaripura Taluk in association with local branches of Syndicate Bank and Canara Bank, from 10.5.2016 to 13.05.2016 in Ambarakoppa, Hosuru, Hithala, Isuru and Halemugalageri villages. The inauguration of the street play was attended by Sri S. Ravishankar, Regional Manager and Sri K. Radhakrishnan, Chief Manager of Syndicate Bank, RO, Shivamogga, The street play in Kannada Our journey towards Bank covered the subjects like PMJDY, opening of Bank Accounts and activation of existing Accounts.

Pradhan Mantri Social Benefit Schemes such as PMJJBY,

PMSBY, APY, PM Fasal Bima Yojana, PM Mudra Yojana and advantages of timely repayment of loans, etc. It is reported that the 5 shows of the street play were witnessed and benefited by 817 people. The programme was widely covered by local newspapers.

Tiptur FLC participated in Child Marriage Prevention Awareness & Human Trafficking Awareness programmes and Vasthavya for Swach Bharath Abhiyana in different places in and around Tiptur during July 2016 and shared the information on social benefit schemes like PMJDY, PMSBY, PMJJBY, APY and DRI. They have conducted financial literacy awareness programme for Sahabalve Sangha – an NGO of Transgenders on 19.08.2016 at Taluk Panchayat Meeting Hall, which was well appreciated by the local MLA.

Ananthapuramu FLC has put up a stall on the occasion of visit of Sri Chandrababu Naidu, Hon’ble Chief Minister

of Andhra Pradesh to Bukkarayasamudram village on 06.08.2016. The Counsellor of the FLC handed over a set of financial literacy pamphlets to him during his visit to the

stall. The stall was visited by more than 800 people.

Kurnool FLC:

a) The FLC conducted a financial literacy progamme on social benefit schemes PMJDY, PMSBY, PMJJBY, APY, in Syndicate Bank, Orvakal Branch premises on 18.07.2016 to the customers. Sri K V Krishna Reddy, Branch Manager of Syndicate Bank and Sri Neela Krishnudu, Community Coordinator, IKP, Orvakal participated in the programme.

(b) RBI, FIDD, Hyderabad has arranged a Conference for stakeholders of financial literacy at Hotel Ashoka, Hyderabad on 03.11.2016. On invitation, Sri M Govinda Rajulu, Sr. Counsellor has delivered a talk on success stories and novel programmes conducted by the Centre, followed by power point presentation by Sri Siva Sankar, Jr. Counsellor. The distinguished officials have appreciated the good work done by the Centre.

Raibag FLC: On the occasion of 1st anniversary of the Centre, the FLC organized a function at New High School at Kudchi on 15.06.2016. An essay competition was arranged for students of IX and X classes on demonetization and cashless economy. Cash prizes were given to the winning students, sponsored by Sri Channappa D Hanji, Sr. Counsellor. The function was well received by the School Management, parents and SHG members who actively took part in the programme.

Mathura FLC:

a) Interview by Akashavani, Mathura: During a Radio Interview with Sri Amit Chaturvedi, Junior Counsellor of our Mathura Centre by Sri Jithendra Sharma, AIR Spokesperson, Mathura on 20.5.2016, Sri Chaturvedi explained about the social security schemes-PMJJBY and PMSBY and informed the public who

14

were enrolled under the schemes to maintain sufficient balance in their SB Accounts between 25th and 31st May so that the Bank branches could debit the annual premium. The Interview was broadcast on 25.05.2016 in the contemporary discussion programme “Choupal” in Akashavani, Mathura.

b) BIRD, Lucknow organized a programme on “Capacity Building of FLC Counsellors”, co-sponsored by NABARD & ACCESS-ASSIST, from 3rd to 5th

October 2016 at Mathura. During the programme, as an exposure visit, officials of BIRD & ACCESS-ASSIST along with the Counsellors have visited our Mathura Centre. They were briefed of the Registers being maintained at the Centre and explained how effectively the financial literacy programmes are conducted for the target groups of the area. They have also participated in the financial literacy camp organized by our Mathura Centre on 4th October 2016 at Nagal Kubi village, Baldev Block.

c) JCI Club, Mathura has organized a programme

on Cashless transactions on 15.12.2016. On this occasion, our Mathura FLC in association with SyndRSETI, Chaumuhan has put up a stall, which was inaugurated by Mrs. Hemamalini, Hon’ble MP of Mathura.

DIGI DHAN MELA at Mangaluru

(Cover Page Photo): The District Administration of Dakshina Kannada in association with the Ministry of Electronics and Information Technology, NITI Aayog, Government of India arranged Digi Dhan Mela at

Mangaluru on 25.01.2017. The Mela was inaugurated by Sri Ravi Shankar Prasad, Hon’ble Union Minister for Electronics & Information Technology and Law & Justice, at Town Hall, Mangaluru. On this occasion, our Trust jointly with Syndicate Bank, put up a publicity stall. The stall was inaugurated by Sri Nalin Kumar Kateel, Hon’ble Member of Parliament in the presence of Sri Ramesh Jigajinagi, Hon’ble Minister of State for Drinking Water & Sanitation, Government of India, and Bank executives and other officials/guests. Sri K Raviraja, Secretary along with Counsellors of Mangaluru and Sullia centres represented the Trust.

Sri Ravi Sankar Prasad, Hon’ble Union Minister visited the publicity stall. On this occasion, Sri K Raviraja, Secretary of the Trust explained to the Hon’ble Minister how the Trust is spreading financial literacy through its 75 centres in 5 States of the country and UT Lakshadweep, and educating the people regarding use of the Digital Payment system. The Hon’ble Minister was very happy to know the efforts made by the Trust to spread financial literacy in general and Digi Dhan in particular.

Digital FLAP by Meerut FLC: Meerut FLC has arranged dFLAP in association with Syndicate Bank, Batnaur and Phalauda Branches on 03.03.2017 at Batnaur Village

of Meerut District. The programme was attended by Sri Chaudhuri Mahendra Singh, Chairman of Digital Financial Literacy Awareness Programme, Sri Mohammed Abbas, K, DGM of Syndicate Bank, RO, Meerut, Sri B K Srivastava, DDM of NABARD, Meerut, Sri Abinash Tanti, LDCM of Meerut, Sri Ravikant Angarish, Director of SyndRSETI, Meerut, Bank officials, officials of Meerut Jan Kalyan Sansthan and other dignitaries.

Nellore FLC: The District Administration of Nellore recognized the services rendered by Jnana Jyothi

15

FLC, Nellore in the District and the Centre was honoured with the Certificate of Appreciation by Sri Revu Mutyala Raju, IAS, District Collector, Nellore in the presence of Sri Visal Guni, IPS, Supdt. of Police and Sri Imtiaz Ahmed, IAS, Joint Collector, Nellore District on the occasion of 68th Republic Day celebration on 26.01.2017.

This is the third consecutive year that centre has received the recognition from the District Administration.

Ongole FLC: The District Collector, Smt. Sujatha Sarma, IAS honoured Sri Ch Prasanneswara Babu, Senior Counsellor of Ongole FLC by awarding Certificate of Appreciation for the financial literacy awareness services rendered by the centre in Prakasam district on the occasion of Republic Day celebration on 26.01.2017. Sri Ch Prasanneswara Babu has been recognized as resource person by the District Administration and utilized his services to train the staff of various Government departments in the district after demonetization. The centre has also conducted various programmes in the adopted villages of Syndicate Bank.

Syndicate Bank Foundation Day Awards to FLCs: On the occasion of 91st Foundation Day of Syndicate Bank, the Bank has honoured our three FLCs – Mathura, Nellore and Udupi with Foundation Day Awards. The Counsellors were felicitated with memento at the respective Regional Offices of the Bank by the Regional Managers on 20.10.2016.

Monitoring of Financial Literacy Centres:

The working of the FLCs is monitored by the Central Secretariat of the Trust by reviewing their Monthly Reports which covers key areas of performance, visits to Centres by the Managing Trustee, Secretary & Officers of the Central Secretariat and by keeping constant touch on phone/internet communications. The Lead District Managers guide the Counsellors suitably. Performance of the Centres is also reviewed in BLBC/DCC/SLBC Meetings and progress is recorded in the minutes of the meeting.

Annual Review Meeting:

To review the performance of Financial Literacy Centres and to equip the Counsellors with the latest developments in banking, insurance and other social benefit schemes of Government, a one-day Review Meeting of FLCs of Kerala State was conducted on 19.09.2016 at our Kasaragod Centre. All the 12 Counsellors of 6 FLCs have attended the Review Meeting. Sri.Jyothis Jagannath, AGM, NABARD, Kasaragod and Sri Remanan C S, LDCM, Syndicate Bank, Kasaragod have addressed the participants.

Website of the Trust:

To reach larger section of the people, Trust has its Website in English, Kannada and Hindi languages. The website has been redesigned and made it responsive, mobile and tablet friendly. The Website covers major financial products and services provided by Banks, viz., Deposits, Advances, Remittance facilities, Electronic channels of banking and micro insurance services. It also provides information regarding Financial Literacy, Protection of Customer Interest, Banking Practices and Code of Conduct, Banking Ombudsman Scheme, Bankers’ Fair Practice Code in India, MSME Charters, highlights of national/state level schemes etc. The Website is updated regularly with changes in schemes.

During the year 2016-17, 9,780 persons have viewed the website and the total viewers as on 31.03.2017 were over 58,000 in all the three languages.

Association with Training Programmes organized by Rural Development & Self Employment Training Institutes:

Reserve Bank has indicated in its circular dated 04.09.2009 that while the FLCs would provide financial literacy and credit counseling, the activities of the Rural Development and Self Employment Training Institutes (RUDSETI), towards skill development/ capacity building could be dovetailed with FLCs initiatives. The Trust has liaised with Author Bank who has advised the Self Employment Training Institutes sponsored by them to associate our FLCs in their training programme to provide financial literacy knowledge to the participants.

During the year 2016-17, our Financial Literacy Counsellors have -

(i) associated themselves for disseminating financial literacy to the trainees in the various programmes of

(a) 15 SyndRSETIs sponsored by Syndicate Bank at Manipal, Kumta, Belagavi, Ballari, Meerut, Mathura, Amroha, Moradabad, G.B. Nagar, Baghpat, Kurnool, Kadapa, Faridabad, Nuh and Kavaratti; and

16

(b) 9 RUDSETIs sponsored jointly by Syndicate Bank, Canara Bank and Shri Dharmasthala Manjunatheshwara Educational Trust at Ujire, Brahmavar, Dharwad, Vijayapura, Anantapuramu, Vetapalem, Ghaziabad, Gurgaon and Kannur.

(ii) Participated in the meetings of Business Correspondents convened by Banks.

(iii) Associated in the Financial Literacy programmes organized by rural branches of Banks.

Training:

Workshop for Counsellors of KVG Bank sponsored FLCs at Mukund Nivas, Udupi:

The Trust arranged a one-day Workshop for the Counsellors of the 10 FLCs of Karnataka Vikas Grameena Bank, at our Udupi Centre on 21.06.2016. Sri I N Raghavendra Bhat, Managing Trustee, Sri S Ravindran, Chairman of KVG Bank and Sri N T Hegde, Secretary of the Trust addressed the participants. Sri K N Devadas, Sr. Counsellor of Udupi FLC and Sri G G Hegde, former Sr Counsellor of Kundapur FLC were the resource persons.

Residential Training Programme for Financial Literacy Counsellors at SIBM, Manipal:

In order to enhance the knowledge for spreading financial literacy and popularise various social benefit schemes announced by the Ministry of Finance, Govt. of India, the Trust in association with Syndicate Institute of Bank Management, Manipal has conducted two-day training programme for Financial Literacy Counsellors, on 7th and 8th October 2016 at SIBM Manipal. The training programme was attended by 38 Counsellors from Karnataka, Kerala, Andhra Pradesh and UT of Lakshadweep. Sri M Mohan Reddy, General Manager of Syndicate Bank addressed and interacted with the Financial Literacy Counsellors.

Sri S. Ravindran, Chairman of KVG Bank addressing the Counsellors

17

Deputation of Counsellors for external training programmes:In order to enrich the knowledge and capacity building, the following Counsellors were deputed for the training conducted by external agencies during the year 2016-17:

Sl.No. Date Organized by Venue Particulars

No. of Counsellors participated

1 02.04.2016 SLBC Karnataka KFRC, Bagalkot Non-residential Workshop for sensitization of FLC Managers 12

2 04.04.2016 -do- Hotel Citadel, Bengaluru -do- 4

3 06.04.2016 -do- SIBM, Manipal -do- 19

4 06.04.2016 SLBC Andhra Pradesh Andhra Bank, HO, Hyderabad

Non-residential Workshop for sensitization of FLC Managers 10

5 07 & 08.04.2016 SLBC Haryana PNB Regional STC,

PanchkulaNon-residential Workshop for sensitization of FLC Managers 5

6 11.04.2016 SLBC Uttar Pradesh Baroda House, Lucknow Non-residential Workshop for sensitization of FLC Managers 8

7 26 & 27.04.2016

RBI, FIDD, Thiruvanantha-puram

Pooram International, Thrissur

Residential Skill Building Workshop for FLCs . 1

8 02 to 04.05.2016 NABARD BIRD Mangaluru Residential training programme for

Capacity Building of FLCs 15

9 13 & 14.06.2016 RBI Bengaluru RBI Bengaluru Non-residential Workshop for FLCs reg.

activation of PMJDY Accounts 25

10 20.06.2016 RBI Chandigarh RBI Chandigarh Non-residential training programme for FLC Counsellors and RSETI Counsellors 2

11 20 to 22.06.2016 CAB, RBI Pune RBI Hyderabad Non-residential Train the Trainers

Workshop for in-charges of FLCs 10

12 02.07.2016 Canara Bank CBRSETI, Villadam Sensitization programme for FLCs of Thrissur District 1



14 22 and 23.08.2016 NABARD BIRD Lucknow Residential Workshop on PMJDY for

Counsellors of FLCs 1

15 29.8.2016 to 02.09.2016 NABARD BIRD Mangaluru Residential TTP on Financial Inclusion and

Financial Literacy 1



18

17 09.09.2016 RBI, FIDD, Lucknow Indira Gandhi Prathisthan, Lucknow

Conference of FLCs on “Financial Literacy – Basics & Beyond” 6

18 03 to 05.10.2016 NABARD BIRD Lucknow Residential collaborative programme on

Capacity Building of FLC Counsellors 6

19 17 & 18.10.2016

National Institute of Rural Banking, Bengaluru NIRB Campus, Bengaluru Residential programme for Financial

Literacy Counsellors 7

20 26.10.2016 NABARDNABARD Regional Training Centre, Hyderabad

State Level Workshop for Counsellors of FLCs. 5

21 08.11.2016 RBI, FIDD, Hyderabad Hotel Fortune Murali, Vijayawada Workshop on Financial Literacy 2

22 17 to 19.11.2016

NABARD (BIRD Lucknow)

TSCAB Co-op Training Centre, Hyderabad

Residential training programme for Capacity Building of FLCs 4

23 21 & 22.11.2016


TSCAB Co-op Training Centre, Hyderabad Residential Workshop on PMJDY 5





26 19 to 21.12.2016

NABARD (BIRD Lucknow) Hotel Bliss, Tirupathi, A.P. Workshop on Financial Literacy 1

27 26.12.2016 RBI, FIDD, Hyderabad RBI Hyderabad Seminar for Counsellors of FLCs, DDMs and LDMs of Andhra Pradesh 9



29 16 to 18.03.2017


Hotel Opal, Rampur (U.P.)

Residential training programme for Capacity Building of FLCs 2

30 22.03.2017 RBI, FIDD, Chandigarh RBI, Chandigarh Workshop for FLCs on digitization revised reporting of FL activities 5

31 23.03.2017 RBI, FIDD, Bengaluru RBI, Nrupathunga Road, Bengaluru

Workshop for FLCs on digitization revised reporting of FL activities 45

32 28.03.2017 RBI, FIDD, Hyderabad TSCAB Co-op Training Centre, Hyderabad

Workshop for FLCs on digitization of Banking Transactions 10

33 28.03.2017 RBI, FIDD, Lucknow Hotel Fairfield Marriott, Lucknow

Workshop for FLCs on UPI & USSD platform 8

34 28.03.2017& 29.03.2017

RBI, FIDD, Thiruvanantha-puram

RBI, Trivandrum and RBI Kochi

Workshop for FLCs on Going Digital through UPI and USSD 6

19

Hand-holding requests under Stand up India Scheme:Our centres have received 19 hand-holding requests under Stand-up India Scheme. The Counsellors have contacted the parties and guided them properly to enable them to avail need based credit.

Manpower:Each Centre has been provided with two Counsellors, preferably retired Bank officers. The Counsellors are appointed on annual contract basis, spelling out clearly their duties & responsibilities and out-door duties of minimum 10 days per month for each counselor. Wherever the Trust has not been able to get suitable retired officers, particularly in Taluk/ Block level centres, young graduates with computer proficiency were appointed as Junior Counselors. The Trust has engaged the services of 147 Financial Literacy Counselors on contract basis (80 retired Officers and 67 fresh graduates) at various Centres. As on 31st March 2017, the total number of manpower on service contract is 158, which includes 7 staff at Central Secretariat, Manipal and 4 Part-Time Helpers at 4 FLCs managing FIRCs.

Funding of the Trust:The Trust and its activities are being funded by the author Bank and the institutional sponsor Banks. While the capital

and revenue expenditure of individual FLCs have been borne by the respective sponsor Banks, the expenses of Central Secretariat is shared on prorata basis in the ratio of number of FLCs at the end of previous financial year.

Annual Accounts of the Trust:The Trust has incurred Capital Expenditure of `8.68 lakh and Revenue Expenditure of `342.65 lakh during the year under report. The Audited Balance Sheet, Income & Expenditure Account and Receipts & Payments Account for the year ended 31.03.2017 are appended.

Meetings of Board of TrusteesDuring the year 2016-17 the Trust has conducted 5 meetings of Board of Trustees on 03.05.2016, 27.07.2016, 27.10.2016, 03.12.2016 and 30.01.2017 as required by Schedule I of the Trust Deed, at its Central Secretariat at Syndicate Bank Head Office Building, Manipal.

Thrust for the year 2017-18During the year 2017-18 our FLCs will spread financial literacy awareness with thrust on the following:

1. Active savings and good borrowing

2. Financial planning and goal setting

3. Going digital and consumer protection

ACKNOWLEDGEMENT

The Trust places on record deep appreciation and gratitude to the Managing Director & CEO and Executive Directors of Syndicate Bank, the Author Bank, for their whole-hearted support.

The Trust thanks the Managing Director & CEO of Karnataka Bank Ltd. and Chairmen of Andhra Pragathi Grameena Bank and Karnataka Vikas Grameena Bank, the institutional sponsor Banks, for their support and co-operation.

The Trust acknowledges the assistance rendered by the General Managers & Regional Managers of respective Banks and Lead District Managers of Syndicate Bank. The Trust also acknowledges the co-operation extended by the authorities of District Administrations, Schools, Colleges, Industrial Training Institutes, Directors of Rural Self Employment Training Institutes and other organizations for facilitating us to hold Financial Literacy sessions.

The Trust also places on record our appreciation to all the Counsellors and staff for their active participation and smooth functioning of its activities.

For and on behalf of Board of Trustees,

( I.N. Raghavendra Bhat )Date: 02.05.2017 Managing Trustee

20

Inauguration of new premises of FLCs sponsored byKarnataka Vikas Grameena Bank

HOMAGEThe Board of Trustees, Counsellors and staff of Jnana Jyothi Financial Literacy & Credit Counselling Trust deeply mourn the sad demise of Sri N.T. Hegde, Secretary of the Trust on 14.10.2016. The Trust places on record the valuable services rendered by Sri Hegde for the all round development and progress of the Trust during his 5 years’ tenure as Secretary.

Bailhongal FLC premises by Sri I N Raghavendra Bhat, Managing Trustee

on 08.08.2016. Others seen are Sri A G Mavinkurve, DDM of NABARD,

Belagavi, Sri Sripathy Hegde, RM of KVG Bank, Belagavi, Sri B Nagaraju, LDCM of

Belagavi, Sri Siddaraju

Mudhol FLC premises by Sri R K Doodihalli, AGM of NABARD, Bagalkot on 01.09.2016.

Others present were Sri N T Hegde,Secretary, Sri Narayana Yaji, RM of KVG Bank,Bagalkot,

Sri S N Malgi, LDCM, Bagalkot, Sri B V Adavimath, EO of Mudhol TP, Sri K Ishwarayya,

Sr. Manager of Syndicate Bank, Mudhol and Sri P M Kadam, CM of KVG Bank, Mudhol.

Savanur FLC premises on 10.08.2016 by Sri I N. Raghavendra Bhat, Managing Trustee.

Others present were Sri Rajkumar B Menasinkai, President of Savanur Urban Co-op Bank Ltd,

Sri Vidyaganesh M N, DDM of NABARD, Haveri, Sri M S Kurthkodi, EO of Savanur TP and Sri R R Nadahali, RM, KVG Bank, Haveri.

Chikodi FLC premises by Sri I N Raghavendra Bhat, Managing Trustee on 09.08.2016.

Others seen are Sri A G Mavinkurve, DDM of NABARD, Belagavi,

Sri M G Pattanashetti, RM of KVG Bank, Chikodi

Mundgod FLC premies by Sri I N Raghavendra Bhat, Managing Trustee on

22.09.2016. Sri Yogesh S L, DDM of NABARD, Karwar was the Guest of Honour. The function was presided over by Sri P D Desai, Regional

Manager, KVG Bank, Kumta.

Sindagi FLC premises by Sri N T Hegde, Secretary on 31.08.2016. Others present

were Sri S.R. Ambekar, DDM of NABARD, Vijayapura, Sri N M Biradar, BEO of Sindagi,

Sri S M Doddahatti, RM , KVG Bank, Vijayapura and Sri P Srikanth, Sr. Manager of

Syndicate Bank, Sindagi

Shirahatti FLC premises by Sri R Y Gurikara, EO of Shirahatti Taluk Panchayat.

On 10.08.2016. Others seen are Sri I N Raghavendra Bhat, Managing Trustee.

Sri S T Anandi, CDPO of Shirahatti, and Sri R S Adikenavara, RM KVG Bank, Gadag.

The Kalaghatagi FLC premises by Sri I N Raghavendra Bhat, Managing Trustee. on

22.09.2016. Smt. Sheela Bhandarkar, DDM of NABARD, Dharwad, Sri Prabhakar Nayak of

AKJJ Vedike, Dharwad, Sri Vijaya Kumar, LDM of Dharwad were present on the occasion.

Muddebihal FLC premises by Sri N T Hegde, Secretary of the Trust on 31.08.2016. Others

present were Sri S R Ambekar, DDM of NABARD, Vijayapura Sri S M Doddahatti, RM

of KVG Bank, Vijayapura, Sri P N Shivaswamy, LDM of Vijayapura, and Sri B G Sankappanavar,

Sr. Manager of Syndicate Bank, Muddebihal.

21

BALANCE SHEET AS AT 31.03.201731.03.2016

Rs. Ps. Funds & Liabilities 31.03.2017 Rs. Ps.

31.03.2016 Rs. Ps. Assets 31.03.2017

Rs. Ps.

49000.00

4176822.00

3818204.36

474814.17

368884.0025800.00

0.009000.00

FUNDSCorpus Fund

Capital Fund 7593916.36Less: Excess of Expenditure over income 4692292.36

RESERVES & SURPLUSDepreciation Reserve

ADVANCESAdvances from Author Banks & Sponsor Banks

PROVISIONSE P F PayableAudit FeesRent PayableComputer Consumables & Repair

49000.00

2901624.00

4692292.36

3518170.34

356837.0026000.0023900.00

0.00

7868949.36

126077.001541.57

0.00

525885.50224390.71

64338.950.00

106526.444815.00

FIXED ASSETS

CURRENT ASSETSSundry DepositsTax Deducted at SourceInterest Receivable

CASH IN HAND & BANK BALANCESIn Vijaya Bank SB 674In Syndicate Bank SB 8280In Syndicate Bank SB 13839Flexi Deposit (Synd Suvidha)Fixed Deposits with Syndicate BankCash-in-Hand

7462633.36

131283.0026957.2124987.33

0.00442744.89362704.16

3000000.00115164.75

1349.00

8922524.53 TOTAL 11567823.70 8922524.53 TOTAL 11567823.70

As per our Report For JNANA JYOTHI FINANCIAL LITERACY AND CREDIT COUNSELLING TRUST (REGD) For M/s I V Sharma & Co.

Sd/x Sd/x Sd/x Sd/x Sd/x ( I.V. Sharma ) Place: Manipal ( K. Raviraja ) ( I.N. Raghavendra Bhat ) ( H. Suresh Prabhu ) ( Dr. Ramachandra Kamath ) Chartered Accountant Date : 02.05.2017 Secretary Managing Trustee Trustee Trustee M.No.018845

INCOME AND EXPENDITURE ACCOUNT FOR THE YEAR ENDED 31.03.201731.03.2016

Rs. Ps.EXPENDITURE

31.03.2017 Rs. Ps.

31.03.2016 Rs. Ps.

INCOME31.03.2017

Rs. Ps.7000.00 To Advertisement 0.00 30565673.73 By Sponsorship Receipts 33835044.83

54789.00 To Audit Fees 46000.00 0.00 By Donation Received 68510.001052.35 To Bank Charges 262.00 291296.62 By Interest Received 347147.52

112647.00 To Computer consumable and repair 87598.00 2386.00 By Interest on IT refund 0.00108162.00 To Electricity Charges 93674.00 924847.00 By Excess of Expenditure over Income 874088.00

To E P F Paid 4144645.002023307.00 Less: E P F Collected 1961023.00 2183622.00

18962.00 To E P F Interest & Penal Damages 0.002267.00 To Fire Insurance Premium 34042.00

0.00 To FLAP NABARD Expenses 853651.0043800.00 To Inaugural Expenses 74090.00

0.00 To Legal Charges 5000.0018032.00 To Meeting Expenses 14449.0031301.00 To Miscellaneous Expenses 89500.00

505648.00 To Office Expenses 580477.0091962.00 To Postage and Courier 110139.33

167898.00 To Printing and Stationery 260620.502500.00 To Profession Tax Registration Fees 2500.00

1352245.00 To Publicity & Promotion Expenses 80550.0046872.00 To Publicity Van Expenses 61495.00

2061301.00 To Rent 2205638.0020689055.00 To Salary 23211142.00

41000.00 To Sitting Fees 33500.00703846.00

2775710.000.00

924847.00

To Telephone ChargesTo Travelling Expenses and ConveyanceTo TDS Written OffTo Depreciation

723374.003497836.95

1541.57874088.00

31784203.35 TOTAL 35124790.35 31784203.35 TOTAL 35124790.35

As per our Report For JNANA JYOTHI FINANCIAL LITERACY AND CREDIT COUNSELLING TRUST (REGD) For M/s I V Sharma & Co.

Sd/x Sd/x Sd/x Sd/x Sd/x ( I.V. Sharma ) Place: Manipal ( K. Raviraja ) ( I.N. Raghavendra Bhat ) ( H. Suresh Prabhu ) ( Dr. Ramachandra Kamath ) Chartered Accountant Date : 02.05.2017 Secretary Managing Trustee Trustee Trustee M.No.018845

22

RECEIPTS AND PAYMENTS ACCOUNT FOR THE YEAR ENDED 31-03-201731.03.2016

Rs. Ps. RECEIPTS 31.03.2017 Rs. Ps.

31.03.2016 Rs. Ps. PAYMENTS 31.03.2017

Rs. Ps.

2894.00 To Cash-in-Hand 4815.00 7000.00 By Advertisement 0.00915994.14 To Syndicate Bank SB 8280 224390.71 13483.00 By Audit Fees of Previous year Paid 25800.00366932.50 To Vijaya Bank SB 674 525885.50 28989.00 By Audit Fees 20000.00286362.01 To Syndicate Bank SB 13839 64338.95 340.32 By Funds from SHG Bank 0.00

30842463.00 To Funds from Author Banks/Sponsor Banks 37760654.00 1052.35 By Bank Charges 262.0018500000.00 To Synd Suvidha Account 20000000.00 480854.00 By Computer 425691.00

1200000.00 To Vijaya Bank VSU Account 0.00 103647.00 By Computer consumable and repair 87598.000.00 To Donation Received 68510.00 0.00 By Computer consumable of 2015-16 Paid 9000.00

1827144.00 To E P F Collected 1961023.00 21000.00 By Corpus Fund 0.002386.00 To Interest on IT Refund 0.00 32838.00 By Electrical Fittings 16772.00

280794.18 To Interest Received 313521.88 108162.00 By Electrical Charges 93674.003000.00 To Rent Advance 0.00 3481567.00 By E P F Paid 3787808.00

12236.00 To Tax Deducted at Source 0.00 279100.00 By E P F of Previous year Paid 368884.0018962.00 By E P F Interest & Penal Damages 0.00

2267.00 By Insurance Premium 34042.000.00 By FLAP NABARD Expenses 853651.00

572514.00 By Furniture and Fittings 356784.0043800.00 By Inaugural Expenses 74090.00

0.00 By Legal Charges 5000.0018032.00 By Meeting Expenses 14449.0031301.00 By Miscellaneous Expenses 89500.0010700.00 By Mobile Phone 0.00

505648.00 By Office Expenses 580477.0091962.00 By Postage and Courier 110139.33

167898.00 By Printing and Stationery 260620.502500.00 By Profession Tax Registration Fees 2500.00

0.00 By Projectors 68510.001352245.00 By Publicity & Promotion Expenses 80550.00

46872.00 By Publicity Van Expenses 61495.002061301.00 By Rent 2183238.00

5000.00 By Rent Advance 0.0020689055.00 By Salary 23211142.00

10210.0041000.00

0.00703846.00

11920.002775710.00

18500000.001200000.00

525885.5064338.95

224390.714815.00

By Salary of Previous year PaidBy Sitting FeesBy Tax Deducted at SourceBy Telephone ChargesBy Telephone DepositBy Travelling Expenses and ConveyanceBy Synd Suvidha AccountBy Vijaya Bank VSU AccountBy Vijaya Bank SB 674By Syndicate Bank SB 13839By Syndicate Bank SB 8280By Cash-in-Hand

0.0033500.0026957.21

723374.0012996.00

3497836.9523000000.00

0.000.00

362704.16442744.89

1349.0054240205.83 TOTAL 60923139.04 54240205.83 TOTAL 60923139.04

For JNANA JYOTHI FINANCIAL LITERACY AND CREDIT COUNSELLING TRUST (REGD)

Sd/x Sd/x Sd/x Sd/x Place : Manipal ( K. Raviraja ) ( I.N. Raghavendra Bhat ) ( H. Suresh Prabhu ) ( Dr. Ramachandra Kamath ) Date : 02.05.2017 Secretary Managing Trustee Trustee Trustee

AUDITOR’S REPORTWe have audited the attached Balance Sheet of JNANA JYOTHI FINANCIAL LITERACY AND CREDIT COUNSELLING TRUST, MANIPAL as at 31st March 2017 and also the annexed Income and Expenditure Account for the year ended on that date and report that:

a) We have obtained all the information and explanations, which to the best of our knowledge and belief were necessary for the purpose of audit.b) The Balance Sheet and the Income and Expenditure Account dealt with by this Report are in agreement with the Books of Account.c) In our opinion and to the best of our information and according to the explanations given to us, the said accounts give a true and fair view:

i. In the case of Balance Sheet, of the State of Affairs of the Trust as at 31st March 2017and

ii. In the case of Income and Expenditure Account, of the EXCESS OF EXPENDITURE OVER INCOME for the year ended on that date.

Date: 02.05.2017

For M/s. I.V. Sharma & Co., Chartered Accountants, MangaluruF.R.N. 003787 S

Sd/-(CA I.V. Sharma)

M.No.018845

23

Hangal FLC: d-FLAP for members, PDO and Staff of Gondi Gram Panchayat on 31.03.2017

Raibag FLC: FLAP for warehouse workers (unskilled) at Hubbarwadi on 09.03.2017

Ramdurg FLC: FLAP (School) in Govt. High School, Sunnal and distribution of merit certificate to winners of Quiz Competition on 31.01.2017

Alur FLC: Inauguration of FL campaign through mobile van on 26.12.2016 by Sri Keshava

Nayak, Branch Manager of Karnataka Bank.

Tiptur FLC: FLAP for transgenders in association with Sahabalve Sangha on 19.08.2016

Anekal FLC: FLAP (Rural) at Iggaluru Village in association with SBI Anekal on 22.02.2017

Mundgod FLC: FLAP (Rural) at Kavalakoppa in association with KVG Bank on 05.10.2016

Udupi FLC: Exposure visit of trainees of BIRD Mangaluru to Udupi FLC on 12.01.2017

Kustagi FLC: Publicity stall put up on the occasion of Taluka Kannada Sahitya Samelana

at Talavagera on 28.11.2016

Bhatkal FLC: FLAP for members of SHGs in Kuntwani Village on 09.03.2017 in association

with Horticulture Dept, Bhatkal

Arsikere FLC: FLAP (Rural) in Bilahahalli on 15.12.2016

Karwar FLC: FL programme for beneficiaries under the scheme of Community Development at

Govt Polytechnic, Karwar on 26.09.2016

Yellapur FLC: FALP on Digital Banking and Insurance Products to SHG members on

09.03.2017 at Angod

Bagalkot FLC: Special FL Camp with RBI officials at Bevoor on 27.06.2016

Belthangady FLC: Special FLAP for PDOs at Taluk Panchayat, Belthangady on 07.10.2016

Karnataka StateFinancial Literacy Programmes

24

Savanur FLC: FLAP on Digital Banking at Karadagi Urdu High School on 25.12.2016 in the

presence of Headmaster and staff

Kollegal FLC: FLAP for NAREGA workers in Mariya Mangala Village on 14.09.2016

Mundargi FLC: FLAP for members of SHG Federation, Mundargi on 23.11.2016

Belagavi FLC: FALP during Agricultural Extension Programme at Yekkundi village on

27.06.2016

Sringeri FLC: Awareness session for the participants of Neighbourhood Youth Parliament Programme about

Social Benefit Schemes on 09.06.2016 at Bakudi

Sirsi FLC: FLAP on Digital Banking for members of SHGs at Kabbe Village on 30.03.2017

Indi FLC: Digital FLAP for students of NSS Camp of GRG and YAP Commerce College, Indi

on 25.03.2017

Mudhol FLC: FLAP in association with Syndicate Bank, Mudhol Branch on 20.10.2016

Shirahatti FLC: FLAP for SHGs in Sigil Village on 28.12.2016

Puttur FLC: FLAP for Trainees of BCMD Corporation at Puttur on 13.12.2016

Kundapur FLC: FLAP on Cashless transactions at Kollur Gram Panchayat on 09.01.2017

Kumta FLC: FLAP (School) at Kodkani High School on 06.01.2017

Sullia FLC: Digital FLAP in association with JCI Sullia on 25.03.2017

Byadgi FLC: FLAP for physically challenged unemployed youth at Taluk Panchayat, Byadgi

on 29.09.2016

Jamakhandi FLC: FLAP (Rural) in Mattur Village on 31.01.2017.

Karnataka State

25

Kalyanadurgam FLC: FLAP in association with APG Bank at Devadulakonda village on 30.03.2017

Anantapuram FLC: Digital FLAP in association with APG Bank on 04.03.2017 at Jayapuram

Naidupet FLC: FLAP at Gurramkonda Village on 08.02.2017 in association with NABARD

Kandukur FLC: FLAP at St. Peter’s High School, Kandukur on 21.01.2017

Kurnool FLC: FLAP in association with NABARD in A.P. Model School, Peddapadu on 17.02.2017

Kadapa FLC: Financial Literacy session for Trainees of SyndRSETI, Kadapa on 25.05.2016

Vellatur FLC: FLAP for members of SHG-VO-3 of Payasampalli on 13.07.2016

Ongole FLC: Programme on Cashless Transactions to Youth Clubs of Prakasam District

at Ongole on 03.12.2016

Nellore FLC: FLAP with RRDS (NGO sponsored by NABARD) at Saidapuram Mandal on

27.06.2016

Faridabad FLC: FLAP for Women (slum dwellers) at Faridabad on 18.11.2016

Mewat FLC: FLAP (Rural) at Pachgaon Village on 28.03.2017

Prithla FLC: Stall put up at Basant Mela on 17.02.2017

Farrukhnagar FLC: FLAP in Govt Senior Secondary School, Khentawas Village on 14.02.2017

Faridabad FLC: FLAP for inmates of Neemka Jail, Faridabad on 09.06.2016

Radaur FLC: FLAP (Rural) in Bhaindi Village on 06.01.2017

Andhra Pradesh State

Haryana State

26

Baghpat FLC: FLAP (Rural) at Soop Village on 21.10.2016

Hapur FLC: FLAP (School) at Bharatiya Shamadarshi Inter College, Dastoi, Meerut on 23.01.2017

Amroha FLC: FLAP (School) in SBS Inter College, Dehra Kadar Bux (Dhanaura) on 25.01.2017

Moradabad FLC: FLAP(School) in Alum Inter College, Pakbara, Moradabad on 27 and

28.02.2017

Meerut FLC: Digital FLAP in Bhainsa Village on 14.01.2017

Ghaziabad FLC: Digital FLAP at Chamali Devi Durga PD Inter College, Sonda on 17.01.2017

Kasaragod FLC: FALP (Rural) at Bovikanam in Muliyar Panchayat on 26.12.2016

Kannur FLC: Administering Integrity Pledge followed by Digital FALP to women under “Nai Roshani” programme of Ministry of Minority Affairs, Govt of India and Malabar Social Service

Society at Ennappana Church on 16.03.2017

Kodakara FLC: FLAP for Farmers Club, Avittappilly, Padasekharam in Mattathur

Panchayath on 19-07-2016

Uzhavoor FLC: Seminar on Education Loan in association with BLBC at Uzhavoor on 27.06.2016

Vazhakulam FLC: FLAP: (Rural) in Keezhamadu Panchayath Community Hall on 25.03.2017

Perumkadavila FLC: FLAP in association with Field Publicity Department and DAVP, Ministry of Information

& Broadcasting, Govt. of India on 28.12.2016

Uttar Pradesh State

Kerala State

27

Jnana Jyothi Financial Literacy Centres - Karnataka StateALUR

Sri Veerabhadreshwara Swamy Nilaya Hale Santhe Beedhi

Near Old Court Circle, B.M. RoadAlur – 573 213, Hassan District

[email protected]: 08170-218866

ANEKALGround Floor, Samarthya SoudhaTaluk Panchayat Office Building

Anekal – 562 106Bengaluru Town [email protected]

Tel: 080-27859905

ARSIKERE 1st Floor, Samarthya Soudha Taluk Panchayat Compound

B.H. Road, Arsikere – 573 103 Hassan District

[email protected] Tel: 08174-232234

ATHANI1st Floor, MLA’s Office Building Near Taluk Panchayat Guest

House, Athani-Miraj RoadAthani–591 304, Belagavi District


BAGALKOTKarnataka Farmers’ Resource

Centre BVV Sangha’s Spinning Mill Complex Gaddanakeri Road

Bagalkot – 587 102 [email protected]

Tel: 08354-244011

BAILHONGALMorabad Building,

Opp: KSRTC Bus Stand, Bailhongal – 591 102

Belagavi District [email protected]

Tel: 08288-233446

BALLARIZilla Panchayat Office

FortBallari – 583 102


BANTWAL‘Sri Ganesh Prasada’

B C RoadBantwal – 574 219


BELAGAVIS G S Y Commercial Complex

APMC Road, Nehru Nagar Belagavi – 590 010


BELTHANGADYTaluk Panchayat Building

Behind Pattana Panchayat, CDPO Road, Near Samarthya

Soudha, Belthangady–574 214, [email protected]

Tel: 08256-234237

BHATKALTaluk Panchayat Office

Main RoadBhatkal – 581 320

Uttara Kannada [email protected]

Tel: 08385-225338

BYADGIStall No.3, Taluk Panchayat Commercial Stalls Complex,

Kakol RoadByadgi – 581 106, Haveri District


CHIKODI Taluk Panchayat Office Building

Chikodi – 591 201Belagavi District


HANGALB V Kalal & Sons Building

T G Road, Near JMFC CourtHangal – 581 104

Haveri [email protected]

Tel: 08379-262740

HOLALKERE2nd Floor, Sri Krishna Nilaya

J C ExtensionHolalkere – 577 526Chitradurga District


INDI1st Floor, Gajanan Nivas

Sindgi RoadIndi – 586 209

Vijayapura [email protected]: 08359-224464

JAMAKHANDI1st Floor, Nadaf Building Tipu

Sultan Circle, Kunchanur Road Jamakhandi – 587 301

Bagalkot District [email protected]

Tel: 08353-221526

KALAGHATAGI Hiremath Clinic Building

T M C RoadKalaghatagi – 581 204

Dharwad District [email protected]

Tel: 08370-284279

KARKALATaluk Panchayat Complex

Karkala – 574 104 Udupi District


KARWAR1st Floor, Samarthya Soudha

Taluk Office CompoundKarwar – 581 301


Tel: 08382-227565

KOLLEGAL1st Floor, H Nagappa Building

Opp: Tahsildar’s Office, M M Hills Road, Kollegal–571 440Chamarajnagar District [email protected]

Tel: 08224-252424

KUMTA1st Floor, Regional Office, KVG

Bank Baggaon Cross Kumta – 581 343


KUNDGOLPattana Panchayat Employees’

Association Building Kundgol – 581 113 Dharwad District


KUNDAPUR1st floor, Taluk Panchayat Building, Shastri Circle,

Kundapur – 576 201 Udupi District


KUSTAGIRajiv Gandhi Seva Kendra Building,

Taluk Panchayat CompoundKustagi – 584 121

Koppal [email protected]

Tel: 08536-267072

MANGALURUSyndicate Bank Building Light

House Hill RoadHampankatta

Mangaluru – 575 001 [email protected]

TeleFax: 0824-2423070

MUDDEBIHAL1st Floor, “Banashree”

Opp: Police StationMuddebihal – 586 212

Vijayapura [email protected]

Tel: 08356 220380

MUDHOLGround Floor, Kamal NivasOpp: Katti Kalyana Mantapa

Padmavati Colony, Mudhol–587 313Bagalkot District

[email protected]: 08350 281126

MUNDARGINew Amar Hotel Complex

Opp: Kote Hr. Primary SchoolGadag Road, Mundargi –582 118

Gadag [email protected]

Tel: 08371-262511

MUNDGODTaluk Panchayat Compound

TDB RoadMundgod – 581 349


Tel: 08301-222077

PUTTURKabaka Grama Panchayat

Bldg. Kabaka, Puttur – 574 220

Dakshina Kannada [email protected]

Tel: 08251-281144

RAIBAG 1st Floor, Taluk Panchayat

Building Main RoadRaibag – 591 317Belagavi District


RAMDURGTaluk Panchayat Building

Ramdurg – 591 123Belagavi District


SAKALESHPUR Gr. Floor, Meeting Hall Building

Taluk Panchayat CompoundSakaleshpur – 573 134

Hassan District [email protected]

Tel: 08173-245166

SAVANUR1st Floor, M B Angadi Complex

Market RoadSavanur – 581 118

Haveri [email protected]

Tel: 08378-241898

SHIKARIPURA2nd Floor, Taluk Administrative

Bldg, Taluk Office RoadShikaripura – 577 427Shivamogga District


SHIRAHATTI1st Floor, P N Swami Building

Kurubara Oni, Bus Stand RoadShirahatti – 582 120

Gadag [email protected]

Tel: 08487-242557

SINDAGID H Biradar Complex

Sangolli Rayanna Circle, Bandal Cross, Sindagi-Vijayapur Road

Sindagi-586 128, Vijayapura [email protected]

Tel: 08488-221691

SIRSI1st Floor, Mahalasa Complex

Veerasavarkar Marg (Court Road), Sirsi – 581 401

Uttara Kannada District [email protected]: 08384-223277

SRINGERI 1st Floor, Pandith ComplexKeredande Circle, Near Bus

Stand Sringeri – 577 139Chikmagalur District


SULLIAGround Floor,

Taluk Panchayat BuildingSullia – 574 239

Dakshina Kannada [email protected]

Tel: 08257-232242

TIPTURTaluk Panchayat Building

Railway Station RoadTiptur – 572 201Tumkur District


UDUPI1st Floor, Mukund Nivas

K M MargUdupi – 576 101


VIJAYAPURAKhanapur ComplexHUDCO Bus-stand

Jalnagara Vijayapura – 586 101


YELLAPUROld BEO Office Building

Behind Old Tahsildar’s OfficeYellapur – 581 359


Tel: 08419-262362

28

Andhra Pradesh State

Haryana State

U.T. of Lakshadweep

Uttar Pradesh State

Kerala State

ADONIMandal Praja Parishad Complex

Adoni – 518 301Kurnool District


ANANTAPURAMUNo. 13/117 DCMS Road

KamalanagarAnantapuramu – 515 001


KADAPA2nd Floor, Syndicate Bank Bldg

Seven RoadsKadapa – 516 001


KALYANADURGAMDoor No.7-237-3, Valmiki Circle

Kalyanadurgam – 515 761 Anantapuramu District


KANDUKUR1st Floor, Daram Sree Ramulu Complex, Government Hospital

Road, Kandukur – 523 105Prakasam District


KURNOOLZilla Praja Parishad Complex

Park RoadKurnool – 518 001


NAIDUPETAAndhra Pragathi Grameena Bank

Bldg Naidupeta – 524 126

Nellore District [email protected]

Tel.No.08623-248546

NELLORE1st Floor, Dr Ambedkar Welfare Bhavan, District SC Corporation

Wing, SubedarpetNellore – 524 001


ONGOLECollectorate Office Prakasam Bhavan Ongole – 523 001


VELLATURVellatur Village & Post – 516 216

Pendlimarri Mandal YSR (Kadapa) District


FARIDABADKothi No.911

SyndRSETI BldgSector 15A

Faridabad – 121 [email protected]

Tel: 0129-2222270

FARRUKHNAGARShop No.1, Ward No.10

Farrukhnagar MunicipalityFarrukhnagar – 122 506

Gurgaon [email protected]

Tel: 0124-2375377

MEWAT (NUH)No. 109, SyndRSETI Building

Anaj MandiNuh – 122 107Mewat District


PRITHLAOpp: Syndicate Bank

Chhaprola RoadPrithla Village & Post – 121 102

Palwal District [email protected] Tel:

01275-262064

RADAURDoor No.1300, Ward No.14

Near Syndicate BankAnaj Mandi Road,

Radaur -135 133 Yamunanagar [email protected]

Tel: 01732-283390

KAVARATTIC/o LDM’s Office of Syndicate Bank

Kavaratti – 682 [email protected]

AMROHAOpp: Amroha Green Colony

Joya Road Amroha – 244 221, Amroha District


BAGHPATDRDA Building

Collectorate Baghpat – 250 609


G B NAGARShop No. 119, Dadri Road

Near Police Chowky, SurajpurGreater Noida–201 306, G B Nagar District


GHAZIABADRDC 9, Rajnagar Near Court Gate

Ghaziabad – 201 [email protected]

TelFax: 0120-2820103

HAPURSarvodaya Colony, Assoda Road

Near Police StationHapur – 245 101


MATHURA1st Floor, Room No.F-3

Rajiv Bhavan, Civil LinesMathura – 281 001


MEERUT269, Opp. Suraj Kund

Baba Manoharnath Mandir Meerut – 250 002


MORADABADNear Mandi Samiti Gate

Line Par, Majhola, P.O. Power House Majhola, Moradabad – 244 001


KANNUR1st Floor, ‘Surag’ Building

Podikundu, Post PallikunnuKannur – 670 004


KASARAGODArun Complex

Old NH-17, AnangoorKasaragod – 671 121


KODAKARA SGSY Building, Kodakara Block

Panchayat Compound Pudukad – 680 301, Thrissur District


PERUMKADAVILABlock Panchayat Building Perumkadavila – 695 124

Thiruvanathapuram [email protected]

Tel: 0471-2275036

UZHAVOORUzhavoor Block Office Building

Kozha P OKuravilangad – 686 633

Kottayam District [email protected] Tel: 0482-2230833

VAZHAKULAMVazhakulam Block Panchayat Building,

South Vazhakulam – 683 105Ernakulam District


29

Jnana Jyothi Financial Literacy Activities – Media Coverage

30

digi-dhan mela at mangaluru on 25.01jnanajyothiflcc.com/wp-content/uploads/2017/07... · sri k....

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