To approve proceedings of the 20th DLCC & 1st DLRC Meetings for the Year 2018-19 held on 01.09.2018 and discussion on compliance of Action Points of the meeting

1 (a) Confirmation of the proceeding of Last Meeting held on 26-06-2018

The proceedings of the 20th DLCC Meeting and 1rd DLRC Meeting for the year 2018-19 of Aravalli district held on 01.09.2018 were circulated to all the members by Lead Bank Cell, Aravalli vide their letter no. DB/LBC/245/2018 Dt. 17st Sept 2018 since, no members has suggested any changes/ amendment, etc., the same may be taken as read and confirmed.

1 (b) ATR on Action Points of previous meeting

Sr No.

Action Point Action Taken By Status of ATR

1 DBTL and ADHAR seeding.Our DDO sir has advised all bank to complete aadhar seeding all eligible account for DBTL.

All district coordinators to implement the same

All member bank have implemented the same and aadhar seeding is done on priority basis. Up to 78.66% seeding is done.

3 Increasing mobile seeding and to involve BCs in educating for digital payment.

All district coordinators to implement the same.

BC sensitization training for six days is organized atRSETI, focused on Digitalization, Mudra, other govt.schemes, DBTL and basic banking.

4. Our DDO & LDO from RBI asked the banks to focus on MSME advances.

All banks to implement the same.

Banks are focusing on MSME and mudra advances.

5Our DDO sir advised to all the government Sponsored agency to submit list of the pending case to Lead Bank

All the Government Sponsored Agency

All the Government agencies submitted the pending list of the case.

Page 1 of 24

AGENDA NO:1

Review of Key Banking Parameters in District for quarter ended Sept 2018.

Sr.No Details

Last Quarter -June-18

Last Corresp.Period-Sept-17

Present

Quarter-Sept-

18

Growth Q-O-Q

Growth Y-O-

Y

1.a Branch Expansion

Urban & Metro 0 0 0 0 0Semi Urban 58 56 60 2 4Rural 74 69 75 1 6Satellite Office 4 4 0 -4 -4Total 136 129 135 -1 6

1.b ATMs Expansion

Rural 35 35 35 0 0Semi Urban 92 90 92 0 2Urban & Metro 0 0 0 0 0Total 127 125 127 0 2

2Deposit 3256 3078 3383 127 305Growth 3.90% 9.91%

3Advances 2532 2525 2637 105 112Growth 4.15% 4.44%

4Priority Sector 2285 2239 2344 59 105Growth 2.58% 4.69%% to Total Advances 90.24% 88.67% 88.89%

5 Agriculture Advances 1818 1696 1851 33 1555.a Growth 1.82% 9.14%5.b % to Total Advances 71.80% 67.17% 70.19%6 MSME 189 169 195 6 26

6.a Growth 3.17% 15.38%6.b % to Total Advances 7.46% 6.69% 7.39%7 Weaker Sanction Advances 1168 782 1170 2 388

7.a % to Total Advances 46.13% 30.97% 44.37%

8Kishan Credit CardNumber 35327 33102 34913 -414 1811Amt O/S 1323 1289 1366 43 77

Bank wise Data as per Annexure-1 & 2 Page No: 24 &25

During the review quarter ended Sept – 2018, as compared from 31 st June 2018, 3 Bank branch was added to the banking network in the district i:e 2 Branches of Suryoday Small Finance Bank ( Modasa & Bayad) and 1 Rural Branch at DCCB

Page 2 of 24

AGENDA NO:2

( Itadi) . There are closer of 4 Setelite Branches of Dena Bank , the Details of 4 branches are as under

Sr.No

Name of Setelite

Branches

Base Branch

Provision of Other alternative Banking Facilitiy

1 Kasana Meghraj Sabarkantha Dist. Cenrtral Co-op Bank2 Ramgadhi Meghraj Banking Corruspondent of Dena Bank is

working3 Sayara Modasa Banking Corruspondent of Dena Bank is

working4 Sakariya Modasa Banking Corruspondent of Dena Bank is

working

All the 4 places where there is closure of the Setelite branches of Dena Bank, alternative Banking Facility is already provided to the customers. Thus, there are 135 branches of 21 banks working in the district as at the end of Sept – 2018 .

Deposit Increased by 305 crore over previous Year and stood at Rs.3383 crore There is increased by 9.91% on Y-to-Y basis. Advances increased by Rs. 112 crore and stood at Rs. 2637 Crore There is increased by 4.44% on Y-to-Y basis at the end of Sept - 2018.

The CD ratio at the end of quarter was at 77.96 %. The CD Ratio of Punjab National Bank & Axis Bank is below 40%, where

these banks are require to put in special effors to increse the same . The District Coordinator of the PNB & axis Bank are reqested to initiate immidiate action to improve CD Ratio.

Priority sector advances increased by Rs. 105 Crore over previous Year and increased by 4.69 % Y-to-Y and stood at Rs. 2344 Crore. That is 88.89% against bench mark of 40%.

Agriculture advance increased by 155 Crore over previous Year and increased by 9.14% on Y-to-Y basis and stood at Rs.1851 Crore that is 70.19% of total advance. against bench mark of 18.00%.

SME Sector advances Increased by Rs. 26 Crore over previous Year and increased by 15.38% on Y-to-Y basis and stood at Rs.195 Crore that is 7.39% of total advance.

Weaker Section Advance increased by Rs. 388 crore lakh compare to last quarter and stood at 44.37%. Agaist bench mark of 10%.

There are 1811 accounts under KCC increased over the previoys year and stood at 34913 account at the end of the Sept.2018.

The W. S. Advance and P. S. Advance was above the national target. AGM, RBI vide their let. No. RPCD(AH)/814/ 02.02.00/ 2006-07 dtd. 06.09.2006 advised all banks to increase DRI advances and also lending to weaker sections in order to bring them above poverty line and improve their

Page 3 of 24

employment opportunities. Banks were also advised to classify the advances properly and report to Lead Bank regularly.

To review progress made under SACP 2018-19 up to the quarter ended Sept -18

Amt. in Lacs

SR No

Sector

ACP Last Year 2017-18 ACP Current Year 2018-19

Annual Allocation

Achievement up to

Last Corresponding Quarter

of Last Year 2017-

18

Achieveme

nt

Annual Allocation

Achievement up to current Quarter

Sept-2018

Achieveme

nt

A/C Amt A/C Amt % A/C Amt A/C Amt %

1 Total Agri 143669 132060 18065 71523 54.16% 156106 152097 26947 89975 59.16%

1.a

Of which Crop Loan

124005 109554 15523 69211 63.18% 133645 124113 20029 78804 63.49%

1.b

Of which Allied+ATL

19664 22506 2542 2312 10.27% 22461 27984 6918 11171 39.92%

2 MSME 2668 5706 453 1563 27.39% 3635 6771 1509 6646 98.15%

3 Others PS 4334 7177 209 1251 17.43% 8056 23671 117 4936 20.85%

4

Total Priority Sector

150671 144943 18727 74337 51.29% 167797 182539 28573 101557 55.64%

Bank wise Data as per Annexure-3 to 9 Page No: 26 to 32

For Second quarter of 2018-19, banks have made total fresh disbursement of Rs. 101557 lakhs under Priority Sector, as against the annual target of Rs.182539 lakhs thereby registering achievement of 55.64% against the SACP target for the year 2018-19 upto Sept- 2018 which is higher then the corrusponding quarter of the priovious Year i:e 51.29%Lead Bank has already sent bank-wise plan v/s performance to all controlling offices of the Banks to review the performance of their branches and advised them to monitor the SACP 2018-19 of the branches under their control.

Page 4 of 24

AGENDA NO:3

This data is generated on the basis of LBR-2 & U2 submitted by the branches & Key indicator submitted by Dist Co-ordinator upto Sept - 2018 received up to 30.09.2018 to Lead Bank Cell, Aravalli and the submission rate of LBR-2 is 80 % up to the quarter ended Sept - 2018.All banks are requested to send their LBR statements timely to reflect their actual achievement in SACP.

Progress under PMJDY,PMJJBY, PMSBY,APY, Financial Inclusion and role of BC’s

4.1 Progress under PMJDY, PMJJBY, PMSBY and APY.

Three schemes pertaining to “Social Security Schemes in insurance and Pension Sector” was launched by Shri Narendra Modi Hon’ble Prime Minister of India on 15.08.2014 for PMJDY and PMJJBY, PMSBY, and APY on 09.05.2015.

A. Pradhan Mantri Jan Dhan Yojana (PMJDY)-For opening of account with zero balance and benefit of Rupay card insurance.

B. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)-For life insurance cover. Age group18 to 50 year.

C. Pradhan Mantri Suraksha Bima Yojana (PMSBY)-For accidental death Insurance. Age group18 to 70 year.

D .Atal Pension Yojana (APY). Age group 18 to 40 year.

The progress under PMJDY the above scheme up to 30.09.2018 is as under.District No. of Accounts opened Out of

which, total Aadhar Seeded

Accounts

% Aadhaar Seeding

Total numbe

r of RuPay Cards issued

% Rupay card

issuedRural Urban Total(Rural+Urban)

Aravalli 213876

87089 298265 234611 78.66% 213719

71.65%

Bank wise Details is enclosed as Annexure –10 Page No: 33

Page 5 of 24

AGENDA NO:4

As per the above report 78.66 of the PMJDY accounts have been seeded with Aadhaar number till 30.09.2018. Banks are require to expedite the process of Aadhaar seeding & Aadhaar Authentication in all operative CASA accounts as per the directive of DFS, MoF, GOI.

Further, Vide letter no: 6/7/2017-18-Fi , Dated 07.09.2018,from DFS, Govt. of India, there is a Continuation of comprehensive Financial Inclusion Mission (PMJDY) with the changes focus of accounts from “every household” to ‘every adult’ with following modification.

1. Existing overdraft limit to PMJDY account holders of Rs.5000 has raised to Rs.10000

2. Age limit of 18-60 Years has been revised 18-65 years.3. There will not be any condition attached for OD up to Rs.20004. Accident insurance cover for new RuPay card holder has been raised from

Rs.1 Lacs Rs.2 Lacs to new PMJDY accounts open after 28.08.2018

The details circular in this regard is provided as Annexure-A (Page No:52 )

Progress in enrolment in Social Security Schemes: - Number of account enrolled up to 30-09-2018 is as below.

A. PMSBY and PMJJBY

Progress in enrollments and claim settlement percentage (%) under PMSBY & PMJJBY as of 30.09.2018 is as below

Particular PMJJBY PMSBYTotal enrollment June-

2018Sept-2018 June-

2018Sept-2018

42810 44060 95629 97949Claim Settlement status as on 30.09.2018

Claim Lodged 115 21Claim Paid 109 16Claim Rejected 0 0Claim under process 6 5Claim pending with issuer 0 0Settlement %age 94.78% 76.19% Bank wise Details is enclosed as Annexure –11 Page No: 34 & 35

There are 3570 new accounts were added during the quarter under the Social Security Scheme i:e PMJJBY & PMSBY.

DFS, MOF, Govt. of India, vide its circular No:H-12011/2/2015-Ins-II dated 12.06.2018 suggested modification in the Scheme of PMJJBY to encourage eligible

Page 6 of 24

and potential account holder to join PMJJBY at a letter stage. The following modification has been suggested.

In order to encourage eligible account holder to join the scheme at later stage payment of Pro-rata premium for enrolment under PMJJBY would be allowed, with the minimum of Rs.86/- for one quarter required to be paid even if a person enroll under the scheme one or two months before the end of the policy year (i:e if he enrolls in March, April or May )A June, July & August Annual premium of Rs.330/- is PayableB Sept, Oct & Nov 3 Quarter of Premium @Rs.86.00 i:e Rs.258/- is

PayableC Dec, Jan & Feb 2 Quarter of Premium @Rs.86.00 i:e Rs.172/- is

Payabled March, April & May 2 Quarter of Premium @Rs.86.00

The details circular in this regard is provided as Annexure-B (Page No:55 )

B. Atal Pension Yojana (APY)

Particular FY 15-16

FY 16-17

FY 17-18

FY 18-19

(Up to 30.09.2018

)

Total

Total No.of enrollments 1426 2458 2225 3268 9377

Average enrollment per branch 12 20 17 24 69

Bank wise Details is enclosed as Annexure –11C Page No: 36

The Dept. of Financial Services, MoF has set Bank wise targets for the FY 2018-19 as following

Sr No

Category of Bank Target allotted

1 Major Bank ( includes PSBs, HDFC Bank, Axis Bank, ICICI Bank )

Target of 60 APY accounts per branch for FY 2018-19

2 Regional Rural Bank Target of 50 APY accounts per branch for FY 2018-19

3 Private Bank Target of 25 APY accounts per branch for FY 2018-19

4 Co-Operative Bank Target of 15 APY accounts per branch for FY 2018-19

Call Centre Services –Toll Free Number-18002331000 for PMJDY and Toll Free Number -18002338944 for PMMY

Page 7 of 24

As per the instruction of Department of Financial Services , Ministry of Finance , Govt. of India, A Call center is being operationalized by SLBC (GUJARAT) for attending the enquiries and for grievances redressal of the general public under Pradhan Mantri Jandhan Yojana (PMJDY), Social Security Scheme and Pradhan Mantri Mudra Yojana in Gujarat.

4.2 Financial Inclusion Plan: Road Map for providing regular Banking services in Villages / Unbanked Centers.

A. Opening of Banking Outlets in Unbanked Rural Centres as per Rationalisation of Branch Authorisation Policy (Revised guidelines dtd. 18th May’2017)

RBI vide it’s letter dtd. 18th May’2017 issued the revised guidelines on Rationalization of Branch Authorisation Policy in which several changes were brought in alongwith redefining of the “Banking Outlets”.

As per the above guideline, State Level Bankers Committees (SLBC) shall enable the Banks to have information on Unbanked Rural Centres. In view of this, SLBC, Gujarat introduced a portal wherein all Banks have updated the details of “Banking Outlet” present in Tier 5 and 6 centres in the State. After receiving updates from Banks, SLBC enlisted the “Unbanked Rural Centre (URC)” and displayed the same on it’s website. This list will facilitate Banks to choose/ indicate the place where they wish to open a “Banking Outlet”.

In the above list of “Unbanked Rural Centre (URC)” the details of “Banking Outlet” details of Payment Banks, Local Area Bank and licensed Urban Co-operative Bank is not available. As soon as this details will become available with SLBC, same will be updated in the list of “Unbanked Rural Centre (URC)”.

B. Opening of “Banking Outlet”in villages having population above 5000, in light of the revised guidelines on rationalisation of Branch Authorisation Policy :

RBI vide letter No. FIDD.CO.LBS.BC.No. 31 / 02.01.001 / 2016-17 dated 08 th June, 2017,advised SLBC Convenor Banks to review and identify the Unbanked Rural Centres (URCs) in villages with population above 5,000, in light of the revised guidelines on rationalisation of Branch Authorisation Policy and ensure that such unbanked rural centres in villages with population above 5000, if any, are banked forthwith by opening of Banking outlet. A confirmation stating that all Unbanked Rural Centres(URCs) in villages with population above 5000 have been Banked to be furnished to RBI latest by December 31,2017.

Page 8 of 24

C. Deployment of additional BCs in locations not having Banking facilities within 5km:

4.2) Financial Inclusion and role of Business Correspondents: The Business correspondents or Bank Mitras plays and pivotal role in achieving the goal of financial inclusion. Banks should take full advantage of BC model in imparting the financial services to the unbanked areas. House may discuss the same.

DFS, MoF, GoI vide it’s letter dtd. 17th May, 2018 circulated the list of 9,039 uncovered villages in different States of the Country where Banking services is not available in 5 Kms. vicinity, of which Gujarat State has 755 such centres. Further, it was also informed that there is an immediate need for deployment of BCs at inactive locations.There is no village in Aravalli District in the list.

Further, through a separate letter dtd. 17th May’2018, DFS, MoF, GoI informed that Ministry of Rural Development has suggeted that Self Help Group members are more suitable as BC for financial inclusion activities. For SHG members it will be an additional income and hence lower attrition is expected. Moreover, MoRD will provide for Tablet/ Micro ATM and there will not be any cost to Bank.

Therefore, Banks may map such Villages of their district with allottee Bank branch and request them to deploy BCs as advised by DFS, MoF, GoI.

Progress under PMMY and Stand Up India Scheme

Pradhan Mantri MUDRA Yojana (PMMY) was launched on 08.04.2015 by the Hon’ble Prime Minister Shri Narendra Modi, is set up as a subsidiary of SIDBI

Progress under the scheme for current year is as below. (01.04.18 to 30.09.18)

Amt. in LacsSR No.

Category

June-2018 Sept-2018No. of

A/cs

Sanctioned Amt

Disbursed Amt

No. of

A/cs

Sanctioned Amt

Disbursed Amt

1 Shishu 2442 1075 1075 2661 1061 10612 Kishore 1552 3089 3089 1772 3121 31213 Tarun 245 1331 1331 253 1474 1474

Page 9 of 24

AGENDA NO:5

Total 4239

5495 5495 4691

5657 5657

Bank wise Details is enclosed as Annexure –12 Page No: 37

Standup India Scheme:

As you are aware, the captioned scheme was announced by the Hon’ble Prime Minister during the Independence Day address to the Nation on 15 August 2015 and the scheme was launched on 5th April 2016. Under the scheme, loans between Rs.10 lakhs and Rs.100 lakhs for Green Field Enterprises set up by SC/ST and Women Borrowers are to be provided by the branches of Commercial Banks and RRBs. Each of the branches of Commercial Bank/RRB is to extend loans under the captioned scheme, to at least one SC/ST and one woman borrower.In this scheme rate of interest is not to exceed MCLR+3%, credit facility should be only for green field project only , credit facility should compulsory be composite loan inclusive of term loan and working capital and guarantee support for collateral free loans.(NCGTC-National credit guarantee trust company).Total loan applications sanctioned are 7 for Rs 110 lacs from the date of the scheme launched and NIL application (1st April 2018- 30th Sept. 2018)

Since the performance under the scheme is not up to the mark, all stakesholders are requested to take note of the following action points to improve performance during the current financial year.

Branches and LDMs have to visit the Standupmitra portal on regular basis. DIC, Banks, NABARD and SIDBI have to organize the seminar / workshop /

townhall meeting to impart more awareness of the scheme in the State. Display of Banner / Poster showing the salient features of the scheme at

Branch / ATM premises. DIC / NABARD / SIDBI may give advertisements through newspaper or local

media to make wide publicity of the scheme. SC / ST welfare and Women development department may take lead to

generate good number of application under the Scheme.

To review progress made under various Govt. sponsored programs for the year 2018-19 up to the quarter ended Sept-2018 (Qtr. –II), and pending subsidy status under VBY,DIC

6.1 Other Central Government & State Sponsored Schemes:

Name Dept Targ No. of Applications %

Page 10 of 24

AGENDA NO:6

of Schem

e. et Achievemen

tSponsor

edSanctione

dRejecte

dPendin

g

VBS State 600 1417 556 286 575 92.67%DTTO State 10 107 9 53 45 90%NULM Individual (SEP-I)

Central 15 46 18 13 15 120%

NULM SHG Bank Linkage

Central 15 23 8 3 12 53%

DCWD State 211 141 69 51 21 32.70%GWEDC

State 23 29 2 0 27 8.70%

GSCEDC

State 141 54 2 1 51 1.42%

Bank wide details as per Annexure - 13 & 19 Page No:38 to 44

VAJPAYEE BANKABLE SCHEME :

The achievement against the target stood at 92.67% at the quarter ended Sept -2018 as against 82.36% achievement for the corresponding period of the Previous year which is higher then the Previous year.

DATTOPANT THENGADI ARTISAN INTEREST SUBSIDY YOJANA

The achievement against the target stood at 90% at the quarter ended Sept -2018 as against 0% achievement for the corresponding period of the Previous year which is higher then the Previous year. The performance improved from the June-2018 i:e 10%

NATIONAL URBAN LIVELYHOOD MISSION (NULM-Individual)

The achievement against the target stood at 120% at the quarter ended Sept -2018 as against 105% achievement for the corresponding period of the Previous year which is higher then the Previous year. The performance improved from the June-2018 i:e 20%

NATIONAL URBAN LIVELYHOOD MISSION (SHGS)

Page 11 of 24

The achievement against the target stood at 53 % at the quarter ended Sept -2018 as against 20% achievement for the Previous Quarter. The performance improved significantly but desired performance is still from the satisfactory level. Banks need to improve their performance under the scheme.

GUJARAT SCHEDULED CASTES DEVELOPMENT CORPORATION

The achievement of target in terms of cases sanctioned stood at 1.42% for the Quarter ended Sept-2018 as against 18 % for the corresponding period of previous year ,Which is lower then the previous year. All the Banks are requested to improve their performance during FY 2018-19

BANKABLE SCHEME OF DEVLOPING CASTES WELFARE DEPARTMENT

The achievement against the target stood at 32.70% at the quarter ended Sept -2018 as against 16% achievement for the corresponding priod of the Previous year which is higher then the Previous year. Banks need to improve their performance under the scheme.

GUJARAT WOMEN ECONOMIC DEVLOPMENT CORPORATION

The achievement against the target stood at 8.70% at the quarter ended Sept -2018 as against 28% achievement for the corresponding period of the Previous year which is Lower then the Previous year. Banks need to improve their performance under the scheme.

6.2 Name of Scheme: - PMEGP (KVIC+KVIB+DIC)

Achievement under PMEGP up to Sept 2018 is as under.Agency: All (KVIC+KVIB+DIC)

Agency Target

Forwarded to Bank

including carried forward

from previous

year

Sanctioned by Bank

No ofApplications

Rejectedby Bank

Pending at Bank

No of

Prj.

MM Involve No

of Prj.

MM Involve

No of

MM Involve No

of Prj.

MM Involve No

of Prj.

MM Involve

(In Lakh) (In Lakh) Prj. (In Lakh) (In Lakh) (In Lakh)

KVIC 27 67.50 77 390.32 8 41.78 11 45.76 58 302.78

KVIB27 67.50 16 63.58 1 7.34 10 40.83 5 15.41

DIC36 90.00 23 89.60 5 10 6 20.60 12 59.00

Page 12 of 24

TOTAL90 225.00 11

6 543.50 14 59.12 27 107.19 75 377.19

SOURCE: KVIC

As per the progress report for the quarter ended Sept-2018, against the physical target of 90, Bank have sanctioned 14 applications i:e 15.55% achievement , similarly against the Margin Money target of 225.00 Lacs , Bank have sanctioned 59.12 Lacs i:e 26.27% achievement for the quarter ended Sept-2018

Modification in existing PMEGP scheme guidelinesKVIC, State Office, Ahmedabad vide their letter no. SO/GUJ/PMEGP New guideline/2018-19 dated 01.06.2018 has informed about modification in existing scheme guidelines. The same was informed by SLBC to all the Banks and LDMs which in turn circulated to all banks through email. Among the others, following are the major modification elaborated for up gradation of existing PMEGP/ Mudra units:1. Margin money claimed under PMEGP has been successfully adjusted.2. First loan under PMEGP/ MUDRA has been successfully repaid in stipulated time.3. The unit is profit making with good turnover and having potential for growth in

turnover and profit with modernization/upgrading the technology.A uniform subsidy @ 15% (Max. Rs.15 Lakhs) of project cost (Max. Rs.100 Lakhs Manufacturing and Rs.25 Lakhs for service/trading activity) would be provided for upgradation of existing PMEGP / MUDRA units on above criteria. Banks are requested to take note of the modification in scheme guidelines and inform the branches accordingly.

6.3 Long pending (more than 6 months) subsidy claims-Scheme / bank-wise:

a. State Government Sponsored Schemes:

Name ofBank

Subsidy pending in No. of casesVBS DTAS JGY DCWD GWEDC GSCDC841 ** ** ** 1 10

**Data not available.

b. Central Government Sponsored Schemes

Name of Bank Subsidy pending in No. of casesNULM PMEGPNil Nil

Page 13 of 24

To discuss progress under Pradhan Mantri Fasal Bima Yojana

Agriculture & Co-operation Department, Government of Gujarat vide their GR No. PFB-102018-1141-K.7 dated 5th April, 2018 has issued guidelines for implementation of Pradhan Mantri Fasal Bima Yojana (PMFBY) for Kharif-2018 and Rabi-Summer 2018-19 seasons. A copy of the GR issued by Government of Gujarat has been circulated by LBC vide letter dated 06.07.2018

The scheme is compulsory for all the farmers including share croppers, tenant farmers growing notified crops in notified area and availing Seasonal Agriculture Operations (SAOs) loans from Banks / Financial Institutions (i.e. loanee farmers).

Banks are requested to pass on necessary instructions to their branches to adhere to the timeline as above so that any farmer may not be deprived from the benefits of the scheme. In this Kharif season(2018-19) total no of application count for loanee and non lonee farmers were 12472 for 15397 hectares.

PRADHANMANTRI FASAL BIMA YOJANA-Kharif 2018-19

Applications Count

Loanee Count

Non Loanee Count

Applied Crop Area (Ha)

12472 12331 141 15397.27

Detais Bank Wise as per Annexure –21 Page No:45Banks are requested to kindly take care for the crop insurance for Rabi-2018. Banks are also requested to kindly adher the guideline as per the circular for the Rabi-2018-19. In case of loanee farmers, the important dates/timeline to be adhered by branches for Rabi-2018 season are as under.

Sr.

Timeline for Date for Summer G.nut , Summer

Date for all other Rabi crops

Page 14 of 24

AGENDA NO:7

Bajar

1 Loaning period to be considered

Loans sanctioned from 01.01.2018 to

15.03.2019Loans sanctioned from

01.01.2018 to 31.03.2018

2Generating crop insurance proposal form on i-khedut portal by farmers

15.03.2019 31.12.2018

3Submission of proposal form by farmers to branch

2 working days after cutoff date as

mentioned above i.e. 15.03.2019

2 working days after cutoff date as mentioned in point

no:2

4 Deduction of premium by branch

2 working days after submission of proposal to Bank as mentioned

in point no:3

2 working days after submission of proposal to

Bank as mentioned in point no:4

5Online data entry by Banks on compulsory mode

25.03.2019 10.01.2019

6

Last date of submission of consolited statement farmers crop,area sown, sum insured. Premium amount etc.along with payment of insurance premium

For loanee farmers cut of Date:31.03.2019 &

for Non Loanee farmers cut of

Date21.03.2019

For loanee farmers cut of Date:15.01.2019 & for Non Loanee farmers cut of Date

07.01.2019

Review of NPAs.NPA position in Arvalli District Amt in LacsParticular Amt Out standing Amt of NPA % of NPAPriority SectorCrop Loan 136629 10734 7.86%Agri TL 29263 3121 10.67%MSME 19220 1537 8.00%Other PSA 4848 1702 35.11%Total PSA 234422 17095 7.29%NPS 29322 1062 3.62%

Page 15 of 24

AGENDA NO:8

Total Advance 263714 18157 6.89%Government Sponsored SchemePMEGP Data Not Available 64.62 NAVBS Data Not Available 376 NAGSCDC Data Not Available 22 NADCWD Data Not Available 27 NAGWEDC Data Not Available 8.49 NAJGVY Data Not Available 0 NAOthersHousing Loan 18086 123 0.68%Education Loan 1032 37 3.59% Bank Wise details as per Annexure -22 Page No;46

Review of recovery position in Recovery Certificate filed under State Recovery Acts.

The recovery of bank overdues is an important issue for the banks in view of RBI’s NPA norms and stress has been given to improve the recovery position of banks' overdue. It is reiterated that the PMEGP is an extremely important scheme of the Govt. of India that facilities loans from commercials banks to the educated unemployed youth to setup self-employment ventures. The success of the scheme depends primarily on the confidence of the bankers in the scheme, which, in turn, depends on the recovery of the loans already disbursed by the banks. It is required to boost up the recovery campaign by DIC & Banks jointly. This data given is old data and are not updated by banks due to some or the other reason. All district coordinators requested to give final and correct figure so that it can be reviewed in next meeting.

There were 5062 R/C-filed cases for an aggregate amount of Rs.2180 lacs, as on Sept- 2015, out of which, 5093 cases of Rs.2130 lacs are still pending at various level as of June-2015. District Authorities are requested to help in recovery of banks dues.

House may discuss the same.

Role of DENA RSETI Himatnagar in self-employment

a) All members are requested to visit RSETI premises and are requested to take full advantage of infrastructure.

b) Training at RSETIs

Page 16 of 24

AGENDA NO:9

No. of Training Prog. Conducted during the Qtr.

No. of persons trained

Cumulative during the current FY

No. of persons trained since

inception

Out of 4, trainee settled (settlement ratio)

No. of

Prog.

No. of persons trained

No. of trainee settled through Bank Finance

No. of trainee settled throughown Source

5 133 17 444 7155 2342 2779

The Director of Dena RSETI Himatnagar is requested to appraise the house about progress of Dena RSETI in promotion of self-employment

To discuss progress under Pradhan Mantri Awas Yojana.

10.1 Pradhan Mantri Awas Yojana – Credit Linked Subsidy Scheme

In order to expand institutional credit flow to the housing needs of urban poor, credit linked subsidy will be provided on home loans taken by eligible urban poor (EWS/LIG) for acquisition, construction of house.Beneficiaries of Economically Weaker Section (EWS) and Low Income Group (LIG) seeking housing loans from Banks, Housing Finance Companies and other such institutions would be eligible for an interest subsidy at the rate of 6.5% for tenure of 20 years or during tenure of loan whichever is lower. The Controlling Authorities of all banks are requested to issue suitable instructions to the branches under their control and take steps to speed-up the implementation of PMAY-CLSS in the District.

Amt in LacsProgress Under Pradhan Mantri Awas Yojana PMAY (URBAN)

Name Of District : Aravalli

Nos. Of Application received for CLSS

(PMAY)

No. Of Application Approved (PMAY)

Nos. Applicants Receiving Subsidy (PMAY)

Total Approved Amount Of

Subsidy (PMAY)

Total Amount Of Subsidy Disbursed

(PMAY)

01.04.2017 to 31.03.2018

01.04.2018 to

30.09.2018

01.04.2017 to

31.03.2018

01.04.2018 to 30.09.2

018

01.04.2017 to 31.03.2

018

01.04.2018 to 30.09.2

018

01.04.2017 to 31.03.2

018

01.04.2018 to 30.09.2

018

01.04.2017 to 31.03.2

018

01.04.2018 to 30.09.2

018

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AGENDA NO:10

46 32 36 27 30 26 74.52 33.29 50 10

Details Banks wise as per Annexure-23 Page No:47

17.2       Pradhan Mantri Awas Yojana – Gramin

Pradhan Mantri Awas Yojana – Gramin is a renamed and improved version of Indira Awas Yojana rural housing scheme. Under the PMAY – Gramin, the central government aims to develop 4 Crore (Increased from 3 Crore) homes for Rural Poor across the country by the year 2022.

The salient features of the scheme are;

Providing assistance for construction of 1 crore houses in rural areas over the period of 3 years from 2016-17 to 2018-19.

a. The minimum unit (house) size enhanced from 20 sq.mt.(under IAY) to 25 sq.mt. Including a dedicated area for hygienic cooking.

b. Enhancing the unit assistance from Rs.70,000 to Rs.1,20,000 in plain area and from Rs.75,000 to Rs.1,30,000 in hilly States / difficult areas / IAP districts.

c. The cost of unit (house) assistance is to be shared between Central and State Govt. in the ratio 60:40 in plain areas and 90:10 for North-Eastern and 3 Himalayan States.

d. Provision of assistance of Rs.12,000 for toilets through convergence with Swacch Bharat Mission – Gramin (SBM-G), MGNREGS or any other dedicated source of funding.

e. Provision of 90/95 person-days of un-skilled labour wage under MGNREGA for construction of house, over and above the unit assistance.

f. Identification and selection of beneficiaries based on the housing deficiency and other social deprivation parameters in SECC – 2011 data and verified by the Gram Sabhas.

g. The eligible beneficiary can also avail a loan of up to Rs.70,000 from Financial Institutions.

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AGENDA NO:11

Review of outdoor Financial Literacy Camps conducted by Rural Branches and boost to digital payment.

RBI wide letter dated 02.03.2017, gave following guidelines for conduct of special camps by FLCs and Rural branches:

Starting from Ist April, 2017,FLCs/Branches have to conduct the camp as per the following schedule:

a. Two special camps per month on digital platforms i.e. UPI and USSD.

b. Target specific camps-Five camps per months (one each for farmers, SME’sSHGs,School children and senior citizen)

Further ,one camp per month has to be organized by Rural branches on Financial Awareness message,UPI,USSD, preferably on 3rd Friday of every month.

Name of Bank No.of FL Camps conducted in the district up to the quarter Sept-2018

No. of Rural branches who have conducted FL Camps during the last quarter

0 camp

(A)

1 cam

p

(B)

2 camps

(C)

More than 2 camps(

D)

Total of Rural Branches (A+B+C+D) holding camps

Dena,SBI,BOB,BOI,DGGB,DCCB, Corp

82 All FLC camps conducted by FLCC with Rural branches

82

NABARD wide Its circular No:162/DFIBT.26/2018 dated 2nd July 2018 Financial Support to Bank For Conducting Financial Literacy Programme targeting Different segment of population. Accordingly Banks May apply for Prior sanction to NABARD to avail the Financial Assistance. The Details circular in this regard is provided as ANNEXURE-G

Doubling of farmers income by 2022

The goal set by the Hon.Prime Minister is to double farmers income by 2022-23 is central to promote farmers welfare,reduce agrarian distress and bring parity between income of farmers and those working in non agricultural professions.In

Page 19 of 24

AGENDA NO:12

addition to the support for agricultural,R&D departments,banks can too play a pivotal role through credit linkage providing timely and adequate credit to farmers and more emphasis on term loan component.RBI vide circular RBI/2016-17/66,FIDD.CO.LBS.BC.No.16/02.01.001/2016-17 dated 29.09.2016 communicated the strategy to achieve the goal of “ Doubling Farmers Income by 2022”The strategy to achieve this goal, inter-alia,include

Focus on irrigation with large budgets, with the aim of “per drop,more crop” Provision of quality seeds and nutrients based on soil health of each field. Investments in warehousing and cold chains to prevent post-harvest crop

losses Promotion of value addition through food processing Creation of a national farm market removing distortions and develop

infrastructure such as e-platform across 585 stations Strengthening of crop insurance scheme to mitigate risk at affordable cost Promotion of ancillary activities like poultry, bee-keeping and fisheries.

To discuss on Direct Benefit Transfer (DBT & DBTL) and scholarship accounts opening, progress in aadhar, mobile seeding and Aadhar Authentication and Aadhar Enrollment centers 13.1. Rejection of Government grant, welfare benefits and payments

against procurement in small accounts and rejection in inoperative/ dormant accounts, DBTL transfer

During 154th SLBC meeting, the Member Banks have been informed that DFS, MoF, GoI vide letter dtd. 28th August’2017 forwarded a copy of the Notification no.G.S.R. 1038 (E) dtd. 21/08/2017 regarding Amendment to Prevention of Money-laundering (maintenance of Records) Rules, 2005 relating to Small accounts.

This above amendment was related to the Small accounts, which carries the following restriction:

i. The aggregate of all credits in a Financial year does not exceed Rupees one lakhii. The aggregate of all withdrawals and transfers in a month does not exceed

rupees ten thousand, and;

i. The balance at any point of time does not exceed rupees fifty thousand

Through the above amendment, following provison was inserted namely :-

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AGENDA NO:13

“Provided that this limit on balance shall not be considered while making deposits through government grants, welfare benefits and payment against procurements.

Further, DFS, MoF, GoI vide it’s letter dtd. 1st June, 2018 informed IBA that it has come to notice that Government grants/ welfare benefits credit in small accounts is not allowed by many Banks, thus leading to denial of benefits to small account holders. Reiterating the provisions of G.S.R. 1038(E) dtd. 21st August’2017, it is advised that all Banks should comply with the directives of these guidelines. Moreover, referring to the IBA circular, it is advised that scholarship accounts and such accounts where Govt. benefits are received should be allotted a separate product code so that stipulation of inoperative/ dormant accounts due to non-operation does not apply while crediting proceeds. DFS, MoF, GoI letter dtd. 1st

June, 2018 is given at page no. 57 Annexure -C

{Banks are requested to refer the RBI letter no. RBI/ 2014-15/202/DBOD.No.Leg.BC.37/09.07.005/2014-15 dtd. 01st September, 2014 (page no. 58) wherein RBI advised the Banks to ensure that accounts of all student beneficiaries under the various Central/State Government Scholarship schemes are free from restrictions of “Minimum balance” and “Total Credit Limit”.}

Therefore, Banks may take note of the same and ensure compliance so as to avoid cropping up of further concern on this matter.

13.2 Direct Benefit Transfer (DBT)As directed by Ministry of Finance, Department of financial Services, Government of India vide letter no F/NO/1/4/2013-FI for Direct Benefit Transfer in to the Bank account of the Beneficiary under 26 schemes. Direct Benefit Transfer Scheme is roll out in the Aravalli District from 01.07.2013.As the benefits under 26 schemes presently identified for Direct Benefit Transfer have to be made into the their bank account , it is necessary that bank accounts in case of these beneficiaries are opened wherever such account are not available.

Setting and updation of Aadhar Enrollment Centres : Every Scheduled Commercial Bank shall set up Aadhaar enrolment and updation facility inside the premises of Bank branches at a minimum of 1 out of their

Page 21 of 24

10 branches by 30th September, 2017. A list of aadhar enrollment centres working in Aravalli District is attached alongwith.

Annexure–E Page No.68

NABARD vide its circular No:160/DFIBT 24-2018 dated 27.06.2018 has informed about scheme to support initiative of Bank to Setup Aadhaar Enrollment and update center in Bank Branches. As per the schemes all banks which have set up AECs in their branches on or before 31st March 2018 are eligible for the grant support under the scheme. The details circular in this regard is provided as Annexure-F

Review of SHG and NRLMa) Saving Bank account details (Amt. in lakhs)

Savings Bank A/Cs opened during the quarter ended

Total No. of Savings Bank accounts as on

No.of SHG Accounts

No.of Members

Savings Amt.

No.of SHG Accounts

No.of Members

Savings Amt.

58 728 14 8333 94424 906

b) SHG Grading, Sanction and disbursement details (Amt. in lakhs)

Accounts Graded and Sanctioned during the quarter ended

Total Cumulative Accounts Graded and Sanctioned during the Financial Year

Total accountsGraded

Out of total graded A/cs,

A/cs sanctioned

Sanctioned Amt.

Total accountsGraded

Out of total graded A/cs,

A/cs sanctioned

Sanctioned Amt.

67 80 60 182 188 166

c) Disbursement Details (Amt. in lakhs)

Disbursement made during the quarter ended Total loans disbursed during the year

Total a/c disb.

Amt. disb.

Out of total a/c

disb.no.of

Amt.disb.to new

a/c

Total a/c disb.

Amt. disb.

Out of total a/c disb.

no.of new

Amt.disb. to new

a/c

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AGENDA NO:14

new a/c a/c92 58 31 26 277 244 51 45

d) Loan Outstanding and NPA (Amt. in lacs)

Loans outstanding as on NPAs as on Percentage NPAAccounts Amount Accounts Amount Accounts Amount

1819 918 606 236 33.31% 25.70% Branch Wise Details as per the Annexure-24 to 27 Page No: 48 to 52

FPO Campaign & Area Development SchemeApplauding NABARD’s initiatives in promotion of farmer producer organizations (FPOs) in line with Centre’s call for doubling farm income by 2022, Union Finance Minister Shri Arun Jaitley expressed optimism that the apex development bank would achieve the milestone of promoting 5000 FPOs in the next couple of years.

The DDM Nabard is requested to appraise the house about promotion of farmer producer organizations

Progress Under of new scheme for establishment of dairy unit with 12 milch animals.

The Department of Agriculture, Farmers’ Welfare & Co-operation, Government of Gujarat vide their GR No. CDS/132017/94/P.1 dated 17th April, 2018 has announced a new scheme for establishment of dairy units with 12 milch animals. A copy of the GR has been circulated by SLBC vide letter no. FGMO/AHM//SLBC-103/406/2018 dated 01.05.2018 which has been shared with banks through letter and e mails.

Main features of the scheme are as below:

i. Subsidies will be made available for purchase of 12 milch animals (cow / buffallow) and new construction of dairy farm as per prescribed criteria.

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AGENDA NO:15

AGENDA NO:16

ii. Interest subsidy will be available @ 7.50% for 5 years on finance extended by Banks for purchase of milch animals in FY 2018-19.

iii. For construction of dairy farm as per prescribed criteria, subsidy will be provided @ 50% of the cost or Rs.1.50 lakh wichever is lower.

iv. In addition to these, capital subsidies will also be available for electric chaf cutter, fogger system, milking machine and cattle insurance.

The GR of the scheme with eligibility criteria, operational guidelines for Banks and other details are already provided to member bank during the 20th DLCC on 01.09.2018. Banks are requested to circulate the same among the branches in the District and advise them to extend the benefits of the scheme to eligible borrowers.

TargetNo of

Application Sanctioned by

Banks

No of Application

sanctioned by the Department

% achievement

200 73 73 36.50%

Representation received from various People for opening of branch/ ATM.

Yet we have not received any application for opening of branch/ ATM. House is open for discussion

Any other matter with the permission of the chair

Page 24 of 24

AGENDA NO:17

AGENDA NO:18