1. Providing banking services in every village having population of over 2000

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1 AGENDA: 1 129th SLBC CONFIRMATION OF THE MINUTES OF THE EARLIER MEETING The minutes of the 128 th State Level Bankers Committee Meeting convened on (already circulated vide SLBC letter dated ) may be confirmed. AGENDA No: 2 New Issues 1. Providing banking services in every village having population of over 2000 The details of revised list of villages (4446) having population over 2000 identified and allotted to various Banks by DCCs for extension of banking services are being placed in the current 129 th SLBC Meeting. Revised list of villages allotted to various banks is furnished in the annexure. As per the Monthly progress report submitted by Banks in MOF format, 4270 villages have been covered as on The details are furnished in the annexure. All member banks assured to cover all their villages before 31 st December, However, in spite of reminders from the Chairman of SLBC to the CMDs of the respective banks and also by the Regional Director of RBI, the following banks have not yet completed 100% coverage.

2 S.No Name of the Bank No. of villages allotted (As on ) No. of villages yet to be covered 1 Bank of Baroda Bank of India Canara Bank Central Bank of India Corporation Bank Indian Bank Indian Overseas Bank Punjab National Bank State Bank of India State Bank of Mysore Union Bank of India Axis Bank Ltd Catholic Syrian bank ICICI Bank Ltd Karur Vysya Bank South Indian Bank Ltd Pandyan Grama Bank TOTAL 176 All the above banks are requested to cover all villages before and confirm to SLBC. Names of individual villages allotted to every bank have already been sent to all banks by in excel format. The list can also be accessed by visiting SLBC website The service area plan prepared in this regard had already been uploaded in the district website. 2

3 PROVIDING BANKING SERVICES IN VILLAGE HAVING POPULATION OF OVER 2000 BANKWISE ALLOCATION OF VILLAGES S.No Name of the Bank No. of Villages allocated 1 Allahabad Bank 8 2 Andhra Bank 10 3 Axis Bank 2 4 Bank of Baroda 82 5 Bank of India Canara Bank Catholic Syrian Bank Ltd. 2 8 Central Bank of India City Union Bank Ltd Corporation Bank Dhanalakshmi Bank Ltd HDFC Bank Ltd ICICI Bank Indian Bank Indian Overseas Bank ING Vysya Bank Ltd Karur Vysya Bank Ltd Lakshmi Vilas Bank Ltd Oriental Bank of Commerce 2 20 Pallavan Grama Bank Pandyan Grama Bank Punjab National Bank South Indian Bank Ltd State Bank of India State Bank of Mysore 6 26 State Bank of Travancore 6 27 Syndicate Bank Tamilnad Mercantile Bank UCO Bank Union Bank of India Vijaya Bank 9 Total No of Villages

4 PROVIDING BANKING SERVICES IN VILLAGE HAVING POPULATION OF OVER 2000 DISTRICTWISE ALLOCATION OF VILLAGES No. of S.No Name of the District Villages allocated 1 Ariyalur Coimbatore Cuddalore Dharmapuri Dindigul Erode 99 7 Kancheepuram Kanyakumari 39 9 Karur Krishnagiri Madurai Nagapattinam Namakkal Nilgiris Perambalur Pudukottai Ramanathapuram Salem Sivaganga Thanjavur Theni Thiruvannamalai Tiruchirapalli Tirunelveli Tiruppur Tiruvallur Tiruvarur Tuticorin Vellore Villupuram Virudhunagar 153 Total No of Villages

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7 New Issues 129 th SLBC 2. Interest subvention scheme for housing loans up to Rs lacs: National Housing Bank advised that the 1% Interest Subvention Scheme of the Government of India (Ministry of Finance) is in operation since The scheme provides interest subsidy on housing loans to eligible borrowers and is being implemented throughout the country by Scheduled Commercial Banks and Housing Finance Companies registered with National Housing Bank. The subsidy amount is already allocated and provided in the Union Budget for the year In accordance with the Union Budget announcement for the year , the Scheme has been extended for FY with increase in the housing loan limit from the earlier Rs lakh to Rs lakh and the cost of the unit from the earlier Rs lakh to Rs lakh respectively. Interest subsidy of 1% is applicable for first 12 months of eligible loans sanctioned and disbursed during the currency of the scheme. After sanctioning and disbursing the eligible loans, the implementing agencies can claim subsidy from the Nodal Agency, i.e., NHB on a monthly basis. The formats for claiming interest subvention amount and for submitting the utilization certificate are available in NHB website 7

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10 New Issues 129 th SLBC 3. G.O.(Ms) No.46 dated on Cyclone Thane affected District : Government of Tamil Nadu has declared the Cuddalore and Villupuram Districts as Cyclone Affected Districts due to Thane cyclone. A copy of the G.O. (Ms) No.46 dated issued by Government of Tamil Nadu to this effect is provided as an annexure. 10

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13 New Issues 129 th SLBC 4. Extension of credit facility to Oil Palm and Purchase of Farm Machinery: Credit facility to Oil palm: Commissioner of Agriculture, Government of Tamil Nadu advised that despite availability of subsidy and other benefits for cultivation of Oil Palm, the initial investment becomes a big limitation for many growers and has been acting as an impediment in area expansion. Hence, credit support may be provided by banks by having a tripartite agreement with the processing companies /banks and farmers to motivate the farmers to take up oil palm cultivation. The salient features of the scheme are enclosed in the annexure. Credit facility for purchase of Farm machinery: Commissioner of Agriculture advised that under the NFSM Rice Scheme implemented in Tiruvarur, Nagapattinam, Pudukottai, Ramnad and Sivaganga Districts 50% subsidy is provided for the distribution of Power Tiller, Laser Leveller and Transplanter. The details of the scheme are enclosed in the annexure. 13

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16 New Issues 129 th SLBC 5. Setting up of Rural Self-Employment Training Institutes (RSETIs) A) Ministry of Rural Development, Govt. of India issued guidelines envisaging infrastructure funding assistance from GOI, allotment of land free of cost by respective State Government etc., and advised Banks to set up RSETIs. All the Four Banks having Lead District responsibilities have since opened RSETIs in the lead districts allotted to them. B) Allotment of land to RSETI by State Government: As per the revised guidelines dated issued by Ministry of Rural Development, Government of India on establishment of RSETIs in all the districts in the country, Government of Tamil Nadu proposes to allot the land for construction of the building in the name of BDOs and the possession would be given to the Bank establishing RSETI by way of a tripartite agreement to be entered among the BDO, Bank and the P.O.Mahalir Thittam. The Lead Banks which have established RSETIS may approach the respective District Collectors for allotment of land. Copy of the guidelines dated and letters of Managing Director, TNCDW dated and are enclosed as annexures. 16

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24 New Issues 129 th SLBC 6. SETTING UP OF FINANCIAL LITERACY & CREDIT COUNSELLING CENTRES (FLCCC) In order to provide free financial literacy /education and credit counselling, RBI had advised Banks to set up FLCCC. The High Level Committee set up by RBI had also reiterated the necessity to cover initiatives under financial literacy and credit counselling while broad basing the Lead Bank scheme. On the basis of the above recommendation, RBI advised Lead Banks to open a Financial Literacy and Credit Counselling Centre (FLCCC) in every district where they have lead responsibility. The details of allotment and progress made in setting up FLCCCs by Lead Banks are furnished below:- S.No Name of Lead Bank Districts Allotted for setting up FLCCCs Districts where FLCCCs were set up Pending if any (Nos.) 1 Indian Overseas Bank Kanyakumari Tiruchirapalli Karur Virudhunagar Tirunelveli Sivaganga Tiruvarur Pudukottai Thanjavur Ramanathapuram Nagapattinam Perambalur No. of Districts allotted : 12 Kanyakumari Tiruchirapalli Karur Virudhunagar Tirunelveli Sivaganga Tiruvarur Pudukottai Thanjavur Ramanathapuram Nagapattinam Perambalur No. of Districts where FLCCCs set up :12 NIL 24

25 Sl.No Name of Lead Bank Indian Bank Canara Bank State Bank of India Districts Allotted for setting up FLCCCs Cuddalore Dharmapuri Kancheepuram Krishnagiri Namakkal Salem Thiruvannamalai Tiruvallur Vellore Villupuram No. of Districts allotted : 10 Coimbatore Dindigul Erode Madurai Nilgiris Theni Tiruppur No. of Districts allotted : 7 Ariyalur Tuticorin No. of Districts allotted : 2 Districts where FLCCCs were set up Cuddalore Dharmapuri Kancheepuram Krishnagiri Namakkal Salem Thiruvannamalai Tiruvallur Vellore Villupuram No. of Districts where FLCCCs set up : 10 Coimbatore Dindigul Erode Madurai Nilgiris Theni Tiruppur No. of Districts where FLCCCs set up : 7 No. of Districts where FLCCCs set up :NIL Pending if any (Nos.) NIL NIL 2 25

26 The following FLCCCs are also functioning in Tamil Nadu:- Sl.No. Name of FLCCC Sponsoring Bank Place / District 1 ABHAY Bank of India Chennai 2 DISHA ICICI Bank Ltd Chennai It is clarified that any Bank can set up FLCCC anywhere and clearance from the concerned Lead Bank is not a pre-requisite. However, SLBC should be kept informed of all FLCCC opened. State Bank of India is requested to open FLCCCs in the allotted districts and advise the status to SLBC and RBI. 26

27 New Issues 129 th SLBC 7. Financial Inclusion & Green Initiatives - Electronic transfer of benefit payments Banks have already opened a large number of no-frills accounts for reaching out to the door steps of the people in villages having population of over The State Government already commenced disbursement of Old Age Pension through Banks from September, 2011 on a pilot basis in one taluk each in three Districts viz. Trichy, Cuddalore and Kanyakumari. Now, it has been decided to expand the scheme to all the villages with a population of 2000 or more identified under the Financial Inclusion Plan in the State. The State Government is contemplating to launch a pilot project of electronic payment of NREGA payments in 2 Districts in Tamil Nadu initially. B) RBI, Chennai vide letter dated has called for statistical data (in a prescribed format) on ICT based Financial Inclusion from member Banks in Tamil Nadu. SLBC is collecting, compiling and submitting to RBI. Member Banks are requested to furnish the data on time to SLBC. C) The progress made by the Member Banks under Financial Inclusion as of December 2011 is furnished in the Annexure. Very few districts have submitted the data as on December 2011 as a result of which we are unable to place the data in Agenda. Hence, DCC Convenors /LDMs are requested to ensure submission of the data on financial inclusion to SLBC for review on time. 27

28 Annexure S.No Progress under Financial Inclusion by Banks - Cumulative position As of December 2011 Name of the Bank 'No-Frills a/c opened (Nos) General Purpose Credit Cards issued (Nos) Overdraft granted in No-Frills SB a/c (Nos) Smart Cards issued (Nos.) 1 Allahabad Bank Andhra Bank Axis Bank Ltd Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Catholic Syrian Bank Ltd City Union Bank Ltd Dena Bank Dhanalakshmi Bank Ltd Federal Bank Ltd HDFC Bank Ltd ICICI Bank Ltd Indian Bank Indian Overseas Bank Indus Ind Bank Ltd IDBI Bank ING Vysya Bank Ltd J & K Bank Ltd. 2 28

29 S.No Name of the Bank 'No-Frills a/c opened (Nos) General Purpose Credit Cards issued (Nos) Overdraft granted in No-Frills SB a/c (Nos) Smart Cards issued (Nos.) 23 Karur Vysya Bank Ltd Karnataka Bank Ltd Kotak Mahindra Bank Ltd Lakshmi Vilas Bank Ltd Oriental Bank of Commerce Pallavan Grama Bank Pandyan Grama Bank Punjab National Bank Punjab & Sind Bank South Indian Bank Ltd State Bank of India State Bank of Bikaner & 34 Jaipur State Bank of Mysore State Bank of Patiala State Bank of Travancore Syndicate Bank Tamil Nadu Mercantile Bank Ltd Tamil Nadu State Apex Co.op Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank Total

30 New Issues 129 th SLBC 8. Payment of proper Stamp Duty on Certificates of sale issued by Recovery Officers of Banks under SARFAESI Act, 2002: The Inspector General of Registration, Tamil Nadu advised that Certificates of Sale issued by Recovery Officers of Banks under SARFAESI Act, 2002 attract a stamp duty of 6% along with 2% surcharge on Market Value. The copy of the letter from The Inspector General of Registration is enclosed as an annexure. The members are requested to deliberate on this issue. 30

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34 New Issues 129 th SLBC 9. List of Notified Towns under Sec.58 (f) of Transfer of Property Act, 1882 for creation of equitable mortgage in favour of banks: Government of Tamil Nadu vide their letter dated advised that based on the resolution passed in 119 th Meeting of SLBC, Tamil Nadu, a proposal to notify all the Municipal Corporations, Municipalities and Town Panchayats in Tamil Nadu under Sec.58 (f) of Transfer of Property Act, 1882, in supersession of the earlier notifications, is under consideration of the Government. The copy of the letter is enclosed as an annexure. The forum requests the Deputy Secretary to Government, Law (Admn) Dept to follow up the issue and take a decision at the earliest. 34

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36 New Issues 129 th SLBC 10. Government of India s Revival, Reform and Restructuring package for Handloom Sector: The Development Commissioner for Handlooms, Ministry of Textiles, Government of India, New Delhi vide letter No.6/2/99-DCH/FP/DIIDS dated had advised all the State Governments and all CEOs of Commercial Banks, the guidelines for implementation of Revival, Reform and Restructuring package for Handloom sector. Copy of SLBC s letter dated sent to all member banks, explaining the salient features of the scheme is enclosed. A special Meeting of the SLBC, Tamil Nadu was conducted on to sensitize the bankers about the package. In the meeting all member banks assured to submit to SLBC the data called for vide SLBC letter dated But, we have not received the data from any Bank. Member banks are requested to submit the data immediately to SLBC. Tamil Nadu State Government has submitted commitment letter on to participate in the scheme. Hence member banks should prepare the list of eligible individual weavers and implement the package within 60 days from The claim has to be submitted to NABARD Regional Office, Chennai. Reimbursement will be given by NABARD to respective banks on first come first served basis. In the IIIrd NIMRC meeting held at New Delhi on , it was decided that all banks shall prepare the eligible individual weavers list and also SEND INTIMATION to these weavers. Hence, member banks are advised to intimate the eligible weavers about the scheme. The list of nodal officers at district level designated by department of Handloom Textiles, Govt of Tamilnadu is enclosed for the information of member banks. 36

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42 New Issues 129 th SLBC 11. Rural Self Employment Training Institutes Appointment of State Project Co-Ordinator: Ministry of Rural Development, Government of India advised that they have signed a MOU with National Academy of RUDSETI for monitoring the RSETIs to bring them at par with the best performing RUDSETI. As per the terms of the MOU a State Project Co-ordinator has been appointed by the national monitoring Cell, established at Bangalore for each State. We furnish below the details of the State project Co-ordinator for Tamil Nadu: Shri.R.Srinivasan, A-13, 3 rd Floor, Luz Apartments, 146 Luz Church Road, Mylapore, Chennai Phone: rsv1954@gmail.com 42

43 New Issues 129 th SLBC 12. T.N.Government s Old Age pension Scheme - Payment through banking channel - through business correspondents: The Tamil Nadu Government s Old Age Pension is being paid successfully to the beneficiaries through banking channel through business correspondents using Biometric enabled smart cards in three taluks of the State on a pilot basis. Now the Government has decided to extend the scheme to all the 4446 villages having a population of 2000 or more identified under Financial Inclusion Plan in the State. A detailed letter from the Principal Secretary / Commissioner of Revenue Administration is enclosed as an annexure. 43

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51 New Issues 129 th SLBC 13. Ministry of Finance, Government of India s directives on Lending to Agriculture: All SLBC Convenor banks have been advised by the Ministry of Finance, Government of India, to launch an action plan to improve lending to Agriculture particularly crop loans. The target is to ensure that each farmer gets an agriculture credit limit by Special SLBC was conducted on and the minutes of the meeting was sent to member banks /RBI /NABARD and Government of Tamil Nadu on A small Committee of the Banks has been formed to monitor the progress made in this direction. Three meetings of the small committee were conducted to review the position. As per the data collected from banks as on so far lac KCC loans have been sanctioned by Banks in Tamil Nadu from September to December, 2011 against the gap of about lac non defaulting farmers left uncovered as of August, The forum is requested to deliberate and offer its views / suggestions to ensure each non defaulter farmer gets an agricultural credit limit as advised by the Ministry of Finance, Government of India. SLBC also advised member banks to work out a scheme for giving savingscum OD account to other families which do not have any land and live in rural areas. As per the data collected from member banks as on , from September to December 2011, 1,68,610 savings cum OD accounts have been opened. Member Banks are advised to cover all such eligible non-farmer families. 51

52 New Issues 129 th SLBC 14. Variation between BSR and SLBC data: Reserve Bank of India advised that there are variations between the data submitted by Banks in BSR and the data submitted to SLBC. When the BSR and SLBC data as on September, 2012 were compared it was found that some of the banks have reported lower figures to SLBC while the BSR figures were more in both deposits as well as advances. Some other Banks have reported lower figures to BSR and higher figures to SLBC both in deposits and advances. Reserve Bank s letter dated and the relative comparison of data district wise and bank wise are enclosed as annexure. Member banks are requested to exercise caution and advise correct data to SLBC and in BSR. 52

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59 AGENDA No: th SLBC REVIEW ON BANKING DEVELOPMENTS IN TAMILNADU ON KEY PARAMETERS AS OF DECEMBER 2011 KEY PARAMETERS Parameters DEC (Amount Rs.in Crores) DEC VARIATION & % OF GROWTH No. of Branches Deposits (19.19%) Advances (19.70%) CD Ratio % % 0.48% Investments Credit + Investment to Deposit Ratio % % 0.44% Priority Sector Advances (18.33%) % of Priority Sector Advances to Total Advances Agricultural Advances (23.81%) % of Agricultural Advances to Total Advances Micro & Small Enterprises (MSE) (15.77%) Micro Credit Education (30.10%) Housing (6.63%) Advances to Weaker Sections (34.58%) % of Weaker Section Advances to Total Advances DRI Advances (46.77%) % of DRI Advances to Total Advances

60 BRANCH NETWORK As at the end of December 2011, the total number of Bank Branches in Tamil Nadu increased to 7014 from 6524 in December Group wise spread of Bank branches in Tamil Nadu as of December 2010 and December 2011 are given below: Name of the Group DECEMBER 2010 DECEMBER 2011 Variation State Bank Group Nationalised Banks Other Public Sector Banks Private Sector Banks RRBs Foreign Banks Total DEPOSIT GROWTH Deposits of the Banks in Tamil Nadu have increased from Rs crores as of December 2010 to Rs crores as at December 2011, registering an increase of Rs crores. The year to year incremental deposit growth works out to 19.19% as against the growth of 18.14% from December 2009 to December CREDIT EXPANSION The total advances increased from Rs crores as of December 2010 to Rs crores as of December 2011, thereby showing an increase of Rs crores. The incremental growth works out to 19.70% as against the growth rate of 18.34% recorded in the previous year. CD RATIO The Credit Deposit Ratio of Commercial Banks in Tamil Nadu increased from % as of December 2010 to % as of December

61 PRIORITY SECTOR ADVANCES The percentage of priority sector advances works out to 43.76% as against the national norm of 40%. Priority Sector Advances have grown by 18.33% Y.O.Y as against 21.64% during December 2009 to December AGRICULTURAL ADVANCES The aggregate of agricultural advances extended by Banks in Tamil Nadu have increased from Rs crores as of December 2010 to Rs crores as of December 2011, thus registering an increase of Rs crores in absolute terms and 23.81% in percentage terms. [The growth rate during the period December 2009 to December 2010 was 21.67%]. The share of agricultural credit in total advances as of December 2011 was 18.75% against the national norm of 18%. MICRO & SMALL ENTERPRISES (MSE) The advances to Micro & Small Enterprises sector (MSE) during the period under review has witnessed an increase by Rs crores, from Rs crores as at December 2010 to Rs crores as at December 2011, thus showing a growth of 15.77%. The share of MSE advances in total advances as of December 2011 was 14.82% EDUCATION Educational Loans have increased from Rs crores in December 2010 to Rs crores as of December The increase of Rs crores under Educational Loans represents a growth rate of 30.10%. Year-on-year (December 2009 to December 2010), there was an increase of Rs crores in Educational Loans outstanding, recording a growth rate of 41.40%. 61

62 HOUSING The outstanding under Housing Loans has registered an increase of Rs crores from Rs crores in December 2010 to Rs crores in December 2011, registering a growth rate of 6.63%. During the corresponding period of the previous fiscal, there was an increase of Rs crores in Housing Loans outstanding with 18.84% growth rate. ADVANCES TO WEAKER SECTIONS The advances to Weaker Sections increased from Rs crores as of December 2010 to Rs crores as at the end of December 2011, registering a growth rate of 34.58%. At this level, advances to Weaker Sections constituted 12.25% of the total credit against the national norm of 10%. The growth during last year (December December 2010) was 37.30%. DRI ADVANCES The outstanding advances under DRI has increased from Rs crores as on December 2010 to Rs crores as of December 2011, registering a growth rate of 46.77% The percentage of DRI advances to total advances has slightly improved to 0.06% as against the bench mark level of 1%. 62

63 NATIONAL NORMS PERFORMANCE OF COMMERCIAL BANKS UNDER THE STIPULATED NATIONAL NORMS ARE AS UNDER: (Amount Rs.in Crores) Particulars Priority Sector Advances to Total Advances Agricultural Advances to Total Advances Weaker Section Advances to Total Advances DRI Advances to Total Advances of previous year National Norms for March 2012 % Target Amount Achievement upto December 2011 % Amount % % % % ACTION AREA:- Member Banks are requested to initiate suitable action plan for increasing the advances under DRI. 63

64 DISTRICTWISE PERFORMANCE OF COMMERCIAL BANKS IN TAMILNADU A comparative analysis of the performance of the Commercial Banks in Tamil Nadu indicates the following: a) Tiruppur district has the highest CD ratio at 184% followed by Ariyalur district (177%) & Virudhunagar and Dharmapuri districts (172%). b) Of the 31 lead districts, the CD ratio of 30 districts is above the RBI norm of 60%. c) Kancheepuram District is having CD ratio of 52% which is less than the National Norm of 60% and Member Banks are requested to evolve suitable strategies to improve their lending so as to achieve the National Norm for CD Ratio in that district. Agricultural advances to total advances in the following districts is below 18% norm. Coimbatore % Tiruppur % 64

65 REVIEW OF OPERATIONS OF CO-OPERATIVE BANKS IN TAMILNADU AS AT THE END OF DECEMBER 2011 As at the end of December 2011, there were 794 branches of Co-operative Banks (both, District Central Co-operative Banks and State Agricultural and Rural Development Banks) in Tamil Nadu. The details are furnished for the information of the members. Classification of Branches DECEMBER 2010 DECEMBER 2011 Rural Semi-Urban Urban Metro TOTAL Particulars DECEMBER 2010 (Amount Rs. in Crores) DECEMBER 2011 Deposits Advances Investments CD Ratio % % Credit + Investment to Deposit Ratio % % (Amount Rs. in Crores) S.No. Particulars DECEMBER 2010 DECEMBER Agricultural Advances Of which, Direct Advances Micro & Small Enterprises Education Housing Micro Finance & Others TOTAL

66 ADVANCES UNDER SPECIAL PROGRAMMES / SCHEMES / SECTORS (Amount Rs. in crores) DECEMBER 2010 DECEMBER 2011 Total Advances to Weaker Sections Of which, (i) Advances under SC/ST (ii) Advances under IRDP/SGSY (iii) Advances under DRI NPA POSITION IN PRIORITY SECTOR ADVANCES SEPTEMBER 2011 (Amount Rs. in Crores) NPA Amount % of NPA i) NPA in Housing loans % ii) NPA in Education loans % iii) NPA in Agriculture Loans % iv) NPA in Loans to MSE % v) NPA in Loans under Weaker Section of Priority Sector Lending % vi) NPA in over all Priority Sector Lending % 66

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70 AGENDA No: th SLBC REVIEW OF PERFORMANCE UNDER ANNUAL CREDIT PLAN : APRIL 2011 TO DECEMBER 2011 As per the quick information report obtained from the Lead District Managers, Banks in Tamil Nadu have disbursed total credit of Rs crores under Annual Credit Plan during the nine months ended ended DECEMBER 2011 as against the proportionate plan allocation of Rs crores, representing 107% achievement under ACP for the year Amount in Rs. crores Credit Allocation Credit Disbursed % of Sector April 2011 to April 2011 to Achievement December 2011 December 2011 Farm Non-Farm OPS TOTAL A comparative position of disbursement under ACP upto the quarters ended DECEMBER 2010 and DECEMBER 2011 is furnished below: Amount Rs. in crores Sector Credit disbursed from April 2010 to December 2010 Credit disbursed from April 2011 to December 2011 Variation in percentage Farm Non-Farm OPS TOTAL

71 District wise performance: District wise/major Sector wise performance for the period ended DECEMBER 2011 is furnished in Annexure I. Banking System in Tamil Nadu has achieved 107% of the proportionate plan allocation during the period under review. The performance of the individual districts varies from 87% to 163%. 24 districts have achieved, more than 100% of the target. Under Farm Sector, 29 districts have achieved more than 100% of the target & under non-farm sector 10 districts have achieved more than 100% of the target. Sector wise performance: Non-Farm Sector Industries: The performance of Banks in Sivaganga district under Non-Farm Sector is much below 50%, i.e. 48%. LDM need to bestow his attention and impress upon Member Banks in Sivaganga district to improve the performance under Non-Farm Sector during the current year. B. Other Priority Sector: Under OPS category during the current year, in the following 2 districts the performance is under 50%, Banks have to focus on scaling up disbursement. Sl.No. District % 1 KRISHNAGIRI 49 2 CUDDALORE 49 The details of progress made under ACP upto the quarter ended September 2011 (District-wise / Bank-wise / Activity-wise) have also been furnished in the Annexure for informatio 71

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76 AGENDA No: th SLBC Prime Minister s Employment Generation Programme (PMEGP) For the Programme year , against the target of 2374 projects with margin money assistance of Rs lakhs, 1846 Projects with margin money assistance of Rs lakhs have been sanctioned. During the first nine months, 78% of the project target and 135% of the margin money target have been achieved. 76

77 PLEASE REFER DATA SHEET NO.7 PLEASE REFER DATA SHEET NO.8 77

78 AGENDA No: th SLBC SWARNA JAYANTI SHAHARI ROZGAR YOJANA (SJSRY) SJSRY Programme consists of two special schemes namely (i) Urban Self- Employment Programme (USEP) and (ii) Urban Women Self-Help Programme (UWSP). The progress made under SJSRY for the programme year as on is furnished below: (Amount Rs.in Lacs) NO. PARTICULARS SJSRY- USEP SJSRY- UWSP TOTAL 1 Applications sent to Banks Applications sanctioned Applications rejected Applications Pending Subsidy allotted Subsidy utilized Subsidy pending % of subsidy utilization Subsidy utilization level for the Programme year as on so far is 38% & 26% under USEP and UWSP scheme respectively. Hence, Member Banks are advised to speed up the sanction / disposal of the pending loan applications and ensure 100% utilization of the subsidy allotted under SJSRY. 78

79 AGENDA No: th SLBC SWARNJAYANTI GRAM SWAROZGAR YOJANA (SGSY ) Performance During the year , Banks in Tamil Nadu have disbursed credit to the extent of Rs crores under SGSY against the credit mobilisation target of Rs crores thereby achieving 70.86% of the annual target in 9 months period from April 2011 to December S.No. Performance of the Banking System in Tamilnadu under SGSY as on PARTICULARS ECONOMIC ACTIVITY SHG INDIVIDUALS TOTAL Amount in Rs. Lacs DECEMBER 2011 REVOLVING FUND TOTAL 1 No. of Loans granted Swarozgaris Amount Disbursed % of Credit disbursement to Annual Target 70.86% 5 Subsidy Utilized Credit Subsidy Ratio Coverage Under:- SC/ST % (Norm 50%) WOMEN % (Norm 40%) DISABLED % (Norm 3%) During the corresponding period last year i.e. December 2010, the achievement was %. The present achievement is not upto the expected level. Hence, member Banks are advised to clear the pending applications expeditiously. 79

80 I. Performance under Economic Activity: a. For the period ended , Banks have extended credit assistance to the tune of Rs lacs along with subsidy assistance of Rs Lacs for taking up economic activities to 4167 Self Help Groups benefiting swarozgaris. b. During this period, Rs lacs with a subsidy of Rs Lacs has been granted to 3420 individual swarozgaris to take up economic activities. II. Performance under Revolving Fund: Revolving Fund assistance of Rs.7268 lacs has been extended to Self Help Groups with a subsidy assistance of Rs Lacs. III. Achievement under Sub-sector Norms: The achievement under coverage of SC/ST is 52.47% as against the norm of 50%. Banks have also surpassed the 40% norm fixed for Women & 3% norm for Disabled Persons, achieving 97.91% and 4.89% respectively. DETAILS OF ECONOMIC ASSISTANCE (AGENCY WISE) AND REVOLVING FUND DISBURSED UNDER SGSY AS AT THE END OF DECEMBER 2011 Amount in Rs. Lacs AGENCY CREDIT DISBURSED Economic Activity Commercial Banks RRBs Co-operative Banks Other Banks TOTAL CREDIT UNDER ECONOMIC ACTIVITY CREDIT UNDER REVOLVING FUND TOTAL CREDIT TO SGSY

81 Districtwise /Agencywise credit disbursed upto the month of December 2011 is furnished in annexure. Subsidy Credit Ratio: Banks in Tamil Nadu have achieved a Subsidy Credit Ratio of 1 : 3.04 and surpassed the stipulated subsidy credit ratio of 1:3. 81

82 Annexure (Amount Rs. in Lacs) DISTRICT / AGENCYWISE CREDIT DISBURSED UPTO THE MONTH OF DECEMBER 2011 S.No District Revised Target 1 Ariyalur Coimbatore Cuddalore Dharmapuri Dindigul Erode Kancheepuram Kanniyakumari Karur Krishnagiri Madurai Nagapattinam Namakkal Nilgiris Perambalur Pudukkottai Ramanathapuram Salem Sivagangai Thanjavur Theni Tirunelveli Tiruvallur Tiruvannamalai Tiruvarur Thoothukudi Tiruchirapalli Vellore Villupuram Virudunagar Revolving Fund Credit Disbursed for Economic Activity Com.Bks Co-op Bks RRBs Others Total Credit Tirupur TOTAL

83 AGENDA No: th SLBC Interest Subsidy for Housing the Urban Poor (ISHUP) District-wise and Bank-wise details of application sent to Banks as on is furnished in Annexure 1 and District-wise and Bank-wise details of loan sanctioned by Banks as on is furnished in Annexure 2. Ministry of Housing & Urban Poverty alleviation, Government of India expressed concern over the vast difference between Number of applications received and Number of sanctions and also between the number of sanctions and number of loans actually disbursed. As the scheme will be closed by , Member Banks are advised To dispose of all pending applications before All eligible loan applications complete in all respects to be sanctioned within 14 days. Incomplete applications to be immediately returned back Declined / ineligible applications should be sent back with reasons for rejections All loans sanctioned should be disbursed immediately Subsidy should be claimed immediately after release even if it is a part release. During the Special SLBC Meeting held on to discuss the progress under ISHUP, the members advised the following discrepancies observed in the applications sent by TNHB which hinder the progress under the scheme:- 1) The plan and estimate enclosed along with the applications do not bear the details of the name of the applicant and Survey No. of the plot etc. 2) The applicants express their unwillingness to avail loan in many cases after TNHB forwarded the application to banks. 83

84 3) The no. of applications returned by the banks was not taken into consideration by TNHB while arriving at the pending application data. 4) The income certificates enclosed with the applications are not obtained from the competent authority. 5) Bankers are not disbursing the sanctioned loans in time. During the above meeting, Shri. R. Chandran, Executive Engineer, Tamil Nadu Housing Board advised that the data on applications returned by the banks will be provided within 5 days which SLBC is yet to receive. Tamil Nadu Housing Board is requested to provide the data on applications returned immediately. 84

85 PLEASE REFER DATA SHEET NO.9 85

86 PLEASE REFER DATA SHEET NO.9 86

87 PLEASE REFER DATA SHEET NO.10 87

88 AGENDA No: th SLBC BANK FINANCE UNDER HOUSING SCHEME: In tune with the National Agenda 'HOUSING FOR ALL' Credit Flow to Housing Sector is identified as one of the major thrust areas by the Banks. As per Reserve Bank of India guidelines, each bank should reach 3% of their incremental deposits of the previous year under housing finance. Accordingly, it is estimated that Rs crores should be extended to Housing Sector from banking system in Tamil Nadu during the year As per the feed- back received from member banks, disbursement to the tune of Rs crores has been made during the quarter ended December 2011, and the cumulative disbursement made for the period April 2011 to December 2011 is Rs crores The Bank wise disbursement details for the third quarter is furnished in the Annexure. It may be noted that 7 Banks marked (*) have not submitted any data as a result of which the aggregate disbursement might have been understated. These banks are requested to submit the data immediately. Break-up of the portfolio on the basis of loan size is as follows:- (Amount Rs.in Lakhs) Limit Upto Rs.5 Lacs Disbursement made during the quarter ended December 2011 (Oct. 11 to Dec. 11) Limit above Rs.5 lacs - upto Rs.10 Lacs Limit above Rs.10 Lacs - upto Rs.15 Lacs Limit above Rs.15 Lacs - upto Rs.20 Lacs Total No. Amount No. Amount No. Amount No. Amount No. Amount

89 Sl. No. Bank Finance under Housing Scheme Direct Housing Finance For the quarter ended December 2011 Amount Rs.in Lacs Disbursement made during the quarter ended December 2011 Name of the Bank (October 11 to December 11) No. Amount 1 Allahabad Bank Andhra Bank Axis Bank Ltd Bank of Baroda Bank of Maharashtra Bank of India Canara Bank Catholic Syrian Bank * Central Bank of India City Union Bank Ltd Corporation Bank Dena Bank Dhanalakshmi Bank Ltd Federal Bank Ltd., * HDFC Bank Ltd ICICI Bank Ltd Indian Bank Indian Overseas Bank IDBI Bank Ltd Indus Ind Bank Ltd. * Ing Vysya Bank Ltd. * Jammu & Kashmir Bank Ltd Karur Vysya Bank Ltd Karnataka Bank Ltd., Lakshmi Vilas Bank Ltd Oriental Bank of Commerce Pandyan Grama Bank

90 Sl. No. Name of the Bank Disbursement made during the quarter ended December 2011 (October 11 to December 11) No. Amount 28 Pallavan Grama Bank Punjab National Bank Punjab & Sind Bank South Indian Bank Ltd. * State Bank of Bikaner & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Patiala State Bank of Travancore * Syndicate Bank Tamilnadu Mercantile Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank * 0 0 GRAND TOTAL

91 AGENDA No: 9(A) 129 th SLBC GOLDEN JUBILEE RURAL HOUSING FINANCE SCHEME (GJRHFS) The National Housing Bank has formulated the Golden Jubilee Rural Housing Finance Scheme (GJRHFS) in August 1997 on the occasion of the Golden Jubilee of India's Independence. As per the feedback received from the member banks, 1558 loans amounting to Rs lacs were disbursed under Golden Jubilee Rural Housing Finance Scheme during the quarter ended December 2011 as shown below: Cumulatively 4595 loans amounting to Rs lacs have been disbursed during the period from April 2011 to December Particulars Scheduled Castes Scheduled Tribes (Amount in Rs. Lacs) Others Total No. Amt. No. Amt. No. Amt. No. Amt. Total Loans sanctioned during the Quarter Total Loans disbursed during the Quarter Member Banks are requested to furnish the details of housing loans under Golden Jubilee Rural Housing Finance Scheme on quarterly basis to SLBC. 91

92 AGENDA No: th SLBC Educational Loans A) The details of educational loans granted by member banks are furnished in the annexure. As per the reports received, loans to the tune of Rs crores have been granted during the nine months period ended December 2011 of which Engineering/Medical account for loans amounting to Rs Cr, 2317 loans for study in Abroad amounting to Rs Cr and loans to Others, to the tune of Rs Cr. Out of Education loans granted to the tune of Rs crores, SC/ST, Minority Communities & Women accounts for loans amounting to Rs Cr, loans amounting to Rs Cr and loans to the tune of Rs Cr respectively. The following Banks who have not furnished the data on Education Loans as of December 2011 are requested to submit the same immediately. Sl. No. Name of the Bank Sl. No. Name of the Bank 1 Catholic Syrian Bank Ltd. 4 State Bank of Travancore 2 HDFC Bank Ltd. 5 South Indian Bank Ltd. 3 Indus Ind Bank Ltd. 6 United Bank of India The following Banks who have not furnished the break-up regarding SC/ST, Minority & Women are requested to submit the data without fail. Sl. No. Name of the Bank Sl. No. Name of the Bank 1 Bank of Maharashtra 6 Karnataka Bank Ltd. 2 Catholic Syrian Bank Ltd. 7 Pallavan Grama Bank 3 HDFC Bank Ltd. 8 South Indian Bank Ltd. 4 ICICI Bank Ltd. 9 United Bank of India 5 Indus Ind Bank Ltd. 10 J & K Bank Ltd. 92

93 Member Banks are requested to advise the progress made in granting of Educational Loans promptly to SLBC and DCCs. B) As per the details received from the Member Banks the status of loan applications received / sanctioned / rejected / pending are as under:- Loan Applications Received Education Loans Sanctioned Loan Applications Rejected (Amount in Lacs) Loan Applications Pending No. Amount No. Amount No. Amount No. Amount Member Banks are requested to expedite disposal of the pending loan applications. 93

94 REFER DATA SHEET NO.11 94

95 REFER DATA SHEET NO.11 95

96 AGENDA No: th SLBC MICRO & SMALL ENTERPRISES (MSE) SECTOR Credit flow to MSE Sector upto the quarter ended December 2011 (i.e. April 2011 to December 2011) is furnished in the annexure. As per feedback received from Banks, Credit flow to Micro and Small Enterprises amount to Rs Crores, Rs Crores respectively. Member Banks attention is drawn to the directive of Reserve Bank of India that the share of Micro Enterprises should be 55% by March 2012 and 60% by March 2013 and requested to enhance the share of micro enterprises accordingly. The share of Micro Enterprises in credit flow to MSE are furnished in the annexure (Bankwise). The share of Micro enterprises for the quarter ended December 2011 was to the extent of 39.56% Member Banks are requested to speed up the credit flow to micro enterprises so that member banks can achieve the target of 55% in the current year. 96

97 REFER DATA SHEET NO.12 97

98 AGENDA No: th SLBC CREDIT FLOW TO WOMEN Government of India and Reserve Bank of India have advised banks to strengthen the credit flow to women and ensure that their share in Bank Credit is increased to 5%. The details of performance of the Banks in Tamil Nadu under credit flow to women entrepreneurs as of December 2011 are furnished below: S.No PROGRAMME Disbursement made during the Quarter ended December 2011 (Amount in Rs. Crores) Outstanding position as of December 2011 Accounts Amount Accounts Amount 1 SGSY PMRY */PMEGP SJSRY DRI MSE OTHERS TOTAL * PMRY was discontinued w.e.f At the level of Rs crores, advances to women constitute 8.91% of total Bank credit as against the national norm of 5%. 98

99 AGENDA No: th SLBC CREDIT FLOW TO MINORITY COMMUNITIES As per the feedback received from the member banks, Loans amounting to Rs crores were disbursed to Minority Communities during the quarter ended December 2011 as shown below:- Amount in Rs.Crores Sl. No. Name of the Community Disbursement during the quarter ended DECEMBER 2011 (Oct. 11 to Dec. 11) All Banks Public Sector Banks Account Amount Account Amount 1 Muslim Christian Sikh Zorastrian Neo Buddist Total The progress made by the banks in Tamil Nadu under credit flow to Minority Communities as of December 2011 is furnished below:- Amount in Rs.Crores Sl. No. Name of the Community Outstanding Position as of DECEMBER 2011 All Banks Public Sector Banks Account Amount Account Amount 1 Muslim Christian Sikh Zorastrian Neo Buddist Total

100 Ministry of Finance, Govt. of India has advised that the share of credit flow to minority communities of Public Sector Banks (PSB) should be 15% of the Priority Sector Advances. Accordingly All Public Sector Banks are requested to achieve the target of 15% well in time. 100

101 ANNEXURE OUTSTANDING ADVANCES TO SPECIFIED MINORITY COMMUNITIES BY PUBLIC SECTOR BANKS DECEMBER 2011 S. NO NAME OF THE BANK PRIORITY SECTOR ADVANCES AS ON (Amount Rs.in Crores) TARGET (15% OF PSA) ACHIEVE MENT % OF ACHIEV EMENT 1 STATE BANK OF INDIA STATE BANK OF BIKANER & JAIPUR STATE BANK OF HYDERABAD STATE BANK OF MYSORE STATE BANK OF PATIALA STATE BANK OF TRAVANCORE ALLAHABAD BANK ANDHRA BANK BANK OF BARODA BANK OF INDIA BANK OF MAHARASHTRA CANARA BANK CENTRAL BANK OF INDIA CORPORATION BANK DENA BANK INDIAN BANK INDIAN OVERSEAS BANK ORIENTAL BANK OF COMMERCE PUNJAB NATIONAL BANK PUNJAB & SIND BANK SYNDICATE BANK UCO BANK UNION BANK OF INDIA UNITED BANK OF INDIA VIJAYA BANK IDBI BANK LTD TOTAL PUBLIC SECTOR BANKS AGENDA No: th SLBC 101