State Level Banker s Committee, Maharashtra State. Agenda & Background Papers of. 136 SLBC Meeting. Date : 8 September, 2017

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1 State Level Banker s Committee, Maharashtra State Agenda & Background Papers of th 136 SLBC Meeting th Date : 8 September, 2017

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5 Agenda Pt. No. 1 2 INDEX Particulars Confirmation of minutes of 134 th SLBC Meeting dtd and 135 th SLBC meeting dtd Disbursement of Crop Loans under Annual Credit Plan Review of Annual Credit Plan The comparative position of Annual Credit Plan for the last 3 years Review of Performance under ACP Chhatrapati Shivaji Maharaj Shetkari Sanman Yojana (CSMSSY) 2017 Page No Financial Inclusion 80 4 Setting up and functioning of RSETI and FLCs in Maharashtra Review of performance under various Government sponsored Schemes Impact of Low Level Credit Services in Scheduled Areas Regular issues to be discussed during SLBC meetings Dairy Entrepreneurship Development Scheme Sanction of loans by banks to trained candidates under the Central Sector Scheme Establishment of Agri-Clinics and Agri-Business Centres (ACABC) Review of Weaver Credit Card (WCC) Scheme Pradhan Mantri Awas Yojana (PMAY) Education Loans Vidya Laxmi Portal Skill Loans Aligning Roadmap for unbanked villages having population more than 5000 with revised guidelines on Branch authorization Policy Flow of credit to Micro and Small Enterprises Monitoring Flow of Credit to Various sectors of Economy & Credit to Minority Communities Any other Issue with the Permission of the Chair.

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7 Agenda No. 1 Confirmation of minutes of 134 th SLBC Meeting dtd and 135 th SLBC meeting dtd The minutes of the 134 th SLBC meeting were circulated vide our letter no. AX1 / SLBC / / / dtd and are also available on SLBC website. << >> The minutes of the 135 th SLBC meeting were circulated vide our letter no. AX1 / SLBC / / dtd and are also available on SLBC website. << >> The Minutes of 134 th SLBC meeting held on and 135 th SLBC meeting held on are taken on record. Copies of the minutes are enclosed as Annexure 1.1 and 1.2 respectively to this agenda note. 1

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9 Minutes of the 134 th SLBC Meeting held on March 14 th, 2017 at Mumbai 134 th SLBC meeting was convened on at Mumbai. Shri D.K. Jain, Additional Chief Secretary, Finance & Agriculture, Government of Maharashtra attended the meeting as a special invitee. Shri Ravindra Marathe, MD & CEO, Bank of Maharashtra and Chairman SLBC presided over the meeting. The meeting was attended by Shri S.S. Sandhu, Additional Chief Secretary, Cooperation, Government of Maharashtra, Shri Bijay Kumar, Additional Chief Secretary, Agri & Marketing, Government of Maharashtra, Shri Shyam Tagade, Principal Secretary, Minorities Development, Government of Maharashtra, Smt. R. Vimala, CEO, Maharashtra State Rural Livelihoods Mission, Government of Maharashtra, Smt Richa Bagla, CEO, KVIB Mumbai. Dr S Rajagopal, Regional Director, Reserve Bank of India, Mumbai & Goa, Smt. J.M. Jivani, Regional Director, Nagpur, Reserve Bank of India, Shri Chandrakant Dalvi, Commissioner, Cooperation, Government of Maharashtra and other State Government officials, Dr.R.N.Kulkarni, CGM Nabard, General Managers of member Banks, senior executives of Reserve Bank of India, NABARD & other member Banks and Lead District Managers also attended the meeting. Shri M.K. Biswal, General Manager, HRM, Bank of Maharashtra, and Convener, SLBC, Maharashtra, welcomed all dignitaries and participants and requested all to actively participate in the SLBC meeting. He appraised the house about agenda items that would be discussed and importance of SLBC meetings. He thanked all the stake holders for their active support and assured all the officials of the State Government that SLBC under the guidance of Reserve Bank of India, NABARD and with active cooperation of all the member banks shall continue to work hand in hand with the State Government and other stake holders to attain new heights for the State even under the challenging Scenario. The MD & CEO of Bank of Maharashtra and Chairman, SLBC, Shri Ravindra Marathe while welcoming the dignitaries initiated the discussions and informed the house that in the last meeting many issues were discussed in which the major issue was demonetization and informed that now the Bank functioning has returned to normalcy. He also informed that from 13 th March 2017, RBI has lifted all the controls on withdrawal of cash. He said that Union budget has declared on 1 st February 2017 which shows fiscal prudence without giving any sops or incentives to any particular segment or industry. He also informed that in RBI policy the Key rates have been kept unchanged and GST is set to be rolled out from 1 st July He said that the Banking industry is passing through challenging times more particularly related to asset quality and this position may continue for couple of quarters, Pace of addition to NPAs has slightly got reduced and told that the major worry for banking industry is credit pick up which is at a very low level. He also informed that as per data received from Reserve Bank of India non food credit growth is lowest at 3.5 % as compared to last year s 9.8% and 3

10 deposits are increasing at 13% which show mismatch between deposits and advances. Growth of advance to industries is negative i.e 5.1%, Service sector is 8.1%, personal and housing loans is 12%, So achieving credit targets in any segment therefore is a challenge for bankers. He also informed the house about the formation of Sub Committes of MSME Sector and Agriculture Sector for which the meetings have been held where detailed review of those sectors are taken, he requested the concerned functionaries to share the outcome of these meetings and also informed the house about the uploading of the data of farmers which was one of the issues for the last SLBC meeting is underway and mapping of villages is almost completed in villages out of He urged the bankers to upload the farmer data on portal which will be helpful in taking the various issues of farmers. He also informed about the digitization in banking as another agenda in our mind and all banks have taken efforts for digitization during demonetization period and informed that Rupay cards and Kisan Credit Cards were issued during the demonetization period. He informed about the Cyber crime frauds which are on rise and should be kept in mind. Shri. S S Sandhu, Additional Chief Secretary, Cooperation, Government of Maharashtra took bank wise and district wise review of Agriculture Loans and expressed concern over the performance of the banks regarding crop loans. He appreciated the performance of District Cooperative Banks and urged all the bankers to step up their efforts to achieve targets for March He also expressed to the bankers that there must be a mechanism which will provide all the data for Crop Loans, Agriculture Term loans, Short term loans, Restructuring of accounts and NPA data any time as there is firefighter exercise all the time whenever this data is called from bankers. He urged the bankers to focus on this issue. He expressed happiness for the formation of Sub Committee on Agriculture sector and enquired about the discussions and action taken after conducting the meetings. He also discussed about the preparation of annual credit plan for and urged the Bankers and Lead District Managers to give realistic figures which can be easily achieved by respective Banks and Districts. Chairman, SLBC summed up the proceedings. He express satisfaction over the fruitful discussions that took place during the course of the meeting. Convener, SLBC proposed vote of thanks. Shri C.B. Arkatkar, Dy. General Manager, Bank of Maharashtra & Member Secretary, SLBC, Maharashtra piloted agenda wise discussions. Agenda Item-wise discussions and action points are given in the Annexure I The list of officials who participated in the meeting is given in the Annexure II 4

11 Annexure I Sr. No. Agenda Item Discussions Held Action Point Action taken 1 Confirmation of minutes of 134 th SLBC meeting held on The minutes of 133rd SLBC meeting held on were placed as an annexure in the agenda. The minutes of 133 rd meeting were confirmed Disbursement of Crop Loans under ACP An analytical presentation of crop loan disbursements as of was put up by SLBC before the house. Performance of top performing banks and districts was appreciated and laggards were advised to make up by concentrating on achievement of all targets during the remaining period. All Member banks to fully achieve annual target well in advance. -- Member Secretary, SLBC informed that a Sub Committee on agriculture is already formed and two meetings are already held. Additional Chief Secretary, Cooperation expressed concern and observed that the disbursement performance was not at par with performance during corresponding period of All Member banks to note and low performing banks to improve. Sub Committte on Agriculture Sector is formed to take detail review of Agriculture loans. The first meeting was held on Second meeting was held on in which detailed review was taken and 5

12 Sr. No. Agenda Item Discussions Held Action Point Action taken Review of Annual Credit Plan last year. He appealed the bankers to found the reasons for the same. He also told that SLBC must have monitoring mechanism for the same. all Lead District Managers were advised to instruct the low performing banks in their district to strive hard and achieve the targets before March The achievement for the third quarter of the current year is 68% of the priority sector target and the achievement of Agriculture sector is 92%. The comparative position of Annual Credit Plan for the last 3 years Member Secretary, SLBC informed the house that a three year comparison showed overall targets were exceeded every year and expressed confidence in exceeding all annual targets for too. All Banks to achieve / exceed the allotted annual targets under all sectors. Review of performance under ACP Member Secretary, SLBC informed that banks in Maharashtra had achieved Priority Sector targets under ACP to the extent of 68% as at the end of the third quarter and appealed to strive hard for exceeding all annual targets. Total agriculture loan disbursement 92% of annual target. Detailed review has already been taken in meeting dated and

13 Sr. No. 3 Financial Inclusion Agenda Item Discussions Held Action Point Action taken Agricultural loan annual target may be achieved in March quarter. Pradhan Mantri Jan Dhan Yojana Member Secretary, SLBC informed the house that banks have opened as many as 1.80 crore PMJDY accounts and still counting, of this 49 % of accounts are in rural areas. Total 1.31 crore rupay cards are issued (73%) and 1.42 crore accounts are adhar seeded (79%). He also informed that the State level financial inclusion committee is formed and the meeting was held at Mumbai on All Banks to strengthen BC network in all sub service area. Also issue rupay cards to all PMJDY accounts on priority basis and adhar seeding of all saving accounts in general, including MGNREGA accounts and PMJDY accounts in particular. All banks must popularize merchant POS, QR code, adhar based payments, USSD, UPI and other modes for less cash society.. There are active Bank Mitras camps for un organized labour were conducted in various districts and account opening forms were collected. For December quarter total 18,03,552 PMJDY acs were opened, 22,00,699 acs were aadhar seeded and 6,56,104 Rupay cards were issued. Mudra loans/ Standup India/Startup India Member Secretary, SLBC informed that Maharashtra State under MUDRA was in top three states pan India last year and banks should continue with same zeal. He also told that Stand up India and Start Up India schemes are yet to pick All the banks to arrange camps at all the districts with emphasis on shishu loans and must step up efforts to achieve targets under all the schemes. As on Mudra loan data is as under: Rs. In Crore Sr. Sishu Kishore Tarun No. Acs Dis

14 Sr. No. Agenda Item Discussions Held Action Point Action taken up. Roadmap for opening brick and mortar branches 4 Setting up and functioning of RSETI and FLCs in Maharashtra Chairman, SLBC observed that the actual number of brick and mortar branches opened under Roadmap March 2017 is very low. He also said that the major reasons might be concerns of profitability, Most of the banks have posted losses for three quarters and NPA stress is increasing, the small finance banks are given licenses and payment banks are going to open their branches. RSETIs State Director for RSETIs informed the house about the status of land allotted and construction pertaining to RSETIs at various centers and told that at 2 centers land has been identified by the Government but has not been allocated. He also informed the house that there are some problems in other 5 centres and requested the Government Banks to peruse the list and submit a status report on opening of their branches at the allotted centers by to Reserve Bank of India with a copy endorsed to SLBC. Banks to inform the respective Lead District Managers as and when their branches are opened at the allotted centers. State Director, RSETIs to look into the matter as per discussion. As per roadmap total 16 branches are opened till December 2016 and 6 branches in the December quarter. All Lead District Managers are requested to submit report for March 2017 at the earliest. State Director for RSETIs has already written letter to Chief Secretary to look into the matter. He is also advised to contact Shri. D K Jain, ACS, Finance & Agriculture to take up the matter with concerned authorities. 8

15 Sr. No. Agenda Item Discussions Held Action Point Action taken officials to look into the matter and give instructions to District Authorities which will facilitate for the process. Additional Chief Secretary Finance & Agriculture has assured that he will facilitate the meeting of State Director, RSETIs with the Revenue Secretaries as the four issues out of five are handled by the Revenue Secretaries. He also told State Director, RSETIs to send to them for this issue to take up the matter. Member Secretary, SLBC informed the house about the detailed status of RSETIs at various centers being placed in the agenda and also informed that swarojgaris are trained and started their own enterprise & others gainfully employed. All Lead Banks, Maharashtra Gramin Bank and Vidarbha Konkan Gramin Bank to submit information as per revised RBI circular dated which has been already circulated by SLBC. Data as per revised format as on December 2016 is received from all Lead banks and MKGB & Vidarbha Konkan Gramin Bank and submitted to RBI. The data for March 2017 is been called. 9

16 Sr. No. Agenda Item Discussions Held Action Point Action taken FLCs Member Secretary, SLBC informed the house about the progress of FLCs in the State as of He also informed that the Digidhan melas were conducted in three places in Maharashtra and about 2000 accounts were opened and 2100 accounts were aadhar seeded, also rupay cards were issued in the meals. He told that DFS, Ministry of Finance, New Delhi has appreciated the work done by bankers in the melas. Lead District Offices and all rural branches of banks should work as extended arms of FLCs. All rural branches should conduct minimum one FLC camp every month as per RBI guidelines. FLC camps are being conducted at various rural branches. Digital literacy is also being spread in these camps. All LDMs and Member Banks are requested to give top priority for issuing rupay cards and Aadhar seeding of accounts and educate customers for using alternate delivery channels like POS, QR code, aadhar enabled payments, UPAI for less cash society. General Manager, RBI draw attention of bankers towards the circular issued by RBI on March 02, 2017 about the Financial Literacy by FLCs and Rural Branches in which RBI has advised to conduct special camps for the period of one year from April 1, 2017 on Going Digital through UPI and *99#(USSD). He urged the bankers to go through the Circular and follow the instructions. All LDMs and Member Banks are requested to take note of the instructions. Circular has been sent to all LDMs and Member banks for information and necessary action and all Member banks are requested to follow instructions and start conducting special camps from April

17 Sr. No. Agenda Item Discussions Held Action Point Action taken General Manager, NABARD also bring to the notice of the house that some of the support is also available from NABARD for Financial Inclusion, he told about the pilot project of Nabard to incentivize aadhar based biometric transaction through financial inclusion fund and deployment of POS terminals in tier 5 & tier 6 centres were Nabard is going to make available some financial assistance to banks. He urged the bankers to take benefit of the schemes. He also discuss the issue of awarding the financial literacy code to Cooperative banks and told that we have already written letter to SLBC for the issue as Financial Literacy codes are made available by SLBC to Commercial Banks but not to District Central Cooperative Banks. He requested SLBC to do the needful in the matter for allotting the FLC codes. He also informed the house that Conduct of Financial Literacy Camps will All LDMs and Member Banks are requested to take note of the instructions and arrange camps for Financial Literacy and KCC cards distribution. All Member banks are informed to conduct camps and complete targets before March

18 Sr. No. Agenda Item Discussions Held Action Point Action taken also be supported by Nabard under Financial Inclusion fund & requested SLBC to complete the mapping of the schools in Maharashtra State. He also discuss about the issuance of KCC cards to all KCC account holders before March 2017, he expressed concern about the progress of DCCBs banks about issuance of KCC Cards and requested Maharashtra State Cooperative banks to monitored the progress and achieve the targets before March Review of performance under various Government sponsored Schemes Member Secretary, SLBC informed that progress under various GSS was mentioned in agenda notes and appealed to all implementing agencies to provide data regularly at fixed periodic intervals. He also urged the member banks for quick disposal of Government Sponsored loan proposals for achievement of targets set for various schemes. All implementing agencies to provide data regularly at fixed periodic intervals. Implementing agencies are requested to provide data immediately. Smt Richa Bagla, CEO, KVIB inform the house about the All banks to process and dispose proposals under Government All Lead District Managers and Member Banks are advised to quickly 12

19 Sr. No. Agenda Item Discussions Held Action Point Action taken pending proposals and expressed concern over the same. She urged the bankers to process and dispose proposals quickly. Sponsored Schemes quickly within the prescribed time norms. dispose off the proposals under Government sponsored Schemes within the prescribed time norms. NULM / SULM Member Secretary, SLBC informed that the officials of NULM to inform the progress of the scheme. Director, NULM informed the house that 9090propoals are pending with the banks and urged to dispose off the proposals quickly. Lead District Managers to review the position of pendency of NULM proposals in each block level / district level meeting. SLBC has advised all the Lead District Managers to review the position of pendency of NULM proposals and dispose off the proposals quickly. MSRLM/MAVIM CEO, MSRLM gave an informative presentation about SHG credit linkage in Maharashtra under MSRLM. She told that Private banks are giving more attention for giving SHG loan to Womens where Public Sector banks, RRBs & Cooperative banks are not very proactive to give loans. She urged all the bankers to strive hard to achieve the targets by March She also informed that the Cash Credit accounts opened in 2014 if renewed by All LDMs are requested to ensure the renewal of the CC accounts and their enhancements as per guidelines of banks so as to achieve the targets. Banks are also requested to share requisite data on NRLM portal ensuring speedy disposal of all pending proposals. All Banks to make concerted efforts for making the SHG Bank linkage programme sustainable and successful. As per report received from MAVIM there is 70% achievement for Amount of Bank Linkages for ICICI & Non ICICI and 55% for other banks. Latest reports received from MAVIM & MSRLM were provided to all LDMs and Member Banks through agenda booklet which are also uploaded on website of SLBC. All Member banks and LDMs are requested to strive hard to achieve the targets. 13

20 Sr. No. Agenda Item Discussions Held Action Point Action taken enhancing the limit the targets may be achieved by all banks. She told that MSRLM has disaggregated this list by Districtwise, Branchwise, Blockwise and has communicated to all LDMs,PDs and CEOs. She requested all the LDMs to ensure at least all CC accounts are renewed and enhanced limit takes place so that MSRLM will be able to achieve targets in time. She observed that performance of banks was not reflected on the NRLM Bank linkage portal as data is not being shared by the banks. She cautioned that SHGs will not get Interest Subvention if SHG data is not shared on NRLM portal. She also informed the house that almost 1000 and more Aple Sarkar Seva Kendras are there in Maharashtra which may also be used by banks as banking corresponding nodes. The representative form MAVIM informed the house that MAVIM is the implementing agency for NULM and urged the bankers to All LDMs are requested to instruct banks in their district to dispose off the proposals quickly. All Member banks to dispose off the proposals quickly and achieve targets before March

21 Sr. No. Agenda Item Discussions Held Action Point Action taken 6 Impact of Low Level Credit Services in Scheduled Areas 7 Regular issues to be discussed during SLBC meetings afford priority for NULM proposals and dispose of the pending proposals. Member secretary informed the house that block wise potential in the scheduled areas along with activities to be financed are made available by NABARD in PLPs and District administration to prepare special viable schemes in those areas. GM, NABARD informed progress upto 31 st January 2017 under various schemes to the House. He urged banks to submit utilization certificates in prescribed format. He also told that the issue was already discussed in the last SLBC meeting and yet many banks have not submitted the certificates. Lead District Managers to review the progress of finance and ACP achievements in PESA blocks in DLCC meetings regularly.. All Member banks to note. Data regarding PESA blocks has been called form Lead District Managers of specified districts. All the member have been advised to submit the utilization certificate immediately. Dairy Entrepreneurship Development Scheme GM, NABARD inform that the schemes like dairy development and poultry development envisages something like interest free loan, interest free loan is to be repaid by banks to NABARD and is to be done on All Member Banks to note. NABARD is requested to submit the progress report of the scheme in the State regularly to SLBC so that necessary review can be taken. All Member banks are requested to submit the data. 15

22 Sr. No. Agenda Item Discussions Held Action Point Action taken pro rata basis. Unfortunately there is no response from bankers and he requested all the bankers to ensure that wherever the recovery has come to banks they must pass on the recovery to NABARD on prorate basis. Establishment of Agri clinics and Agri business centers(ababc) All concerned banks are requested to dispose of all the pending proposals under ACABC Scheme and report compliance to NABARD being the nodal agency. All concerned banks to dispose of all the pending proposals under ACABC Scheme and report compliance to NABARD All concerned banks are advised to dispose off all the pending proposals immediately and report compliance to NABARD. Review of Weaver Credit Card (WCC) Scheme All Banks are requested to submit the position of WCCs to NABARD. Member Seretary, SLBC informed the house that the above schemes are now replaced by Mudra loans, Mudra cards & other schemes and requested the house to discontinue this particular agenda point from next SLBC meeting as there is very few data available for this schemes. This request was considered as NABARD is requested to submit the progress report to SLBC for necessary review in ensuing SLBC meetings. Progress report regarding the position of WCCs has been called from NABARD. 16

23 Sr. No. Agenda Item Discussions Held Action Point Action taken agreed as their was no objection from the house. 8 Pradhan Mantri Awas Yojana (PMAY) Deputy General Manager, National Housing Bank gave an information pertaining to Credit Linked Subsidy Scheme (CLSS) under Pradhan Mantri Awas Yojana (PMAY) and Highlited the changes in guidelines which have come to effect from 01 st January All Member banks to note the provisions for implementation of the scheme. All the Member banks and Lead District Managers have already informed about the scheme. 9 Important issues flagged by Reserve Bank of India Representative from HUDCO inform the house about the PMAY scheme and requested all the Lead District Managers to include PMAY as one of the agenda point in the DLCC meeting and review the progress in the DLCC meeting. He also urged the member banks the information about the scheme must be known to each and every bank branches. GM Reserve Bank of India informed the house about the issue of sickness certificate that State Government is issuing sickness certificate to industries All Lead District Managers and Member banks to note All the Member banks and Lead District Managers to note. All Lead District Managers and Member banks are requested to note. Reserve Bank of India to get the position on the issue and inform SLBC in the matter. 17

24 Sr. No. Agenda Item Discussions Held Action Point Action taken and DIC is issuing such certificates in their Districts. He also informed that the matter is refer to Chief Secretary, Government of Maharashtra and he has assured that some solution will be definitely provided at the earliest. He requested SLBC to amend the said point form the agenda of SLBC as the matter was examined and the issue was brought to the notice of Chief Secretary, Government of Maharashtra. 10 Issues raised by Lead District Manager Ratnagiri District 11 Flow of Credit to Micro and Small Enterprises Member Secretary, SLBC informed the house about the issues raised by Lead District Manager, Ratnagiri District for noting of charge with SRO and making chiplun as notified centre for Equitable mortgage. He requested Government officials to look into the matter and early action. Member Secretary, SLBC informed that data has been compiled from information submitted by banks. All targets and sub targets under this area Government officials of concerned department to take action. As credit flow to MSME is closely monitored by Reserve Bank of India, all banks to inform correct data in respect of finance to MSME and ensure that there is no Government officials are request to look into in the matter. MSME sub-committee is formed to discuss these issues in detail. All Lead District Managers are requested to submit the information to SLBC. 18

25 Sr. No. Agenda Item Discussions Held Action Point Action taken have to be achieved. variation between the data being submitted to RBI and to SLBC. Member Secretary, SLBC informed about the Unidentified clusters that the suitable monitoring mechanism will be created and the progress will be monitored through the Sub Committee on MSME sector. 12 Monitoring Flow of Credit to Various Sectors of Economy and Credit to Minority Communities Member Secretary, SLBC informed that progress under flow of credit to various sectors of economy & credit to Minority Communities was mentioned in agenda notes. Principal Secretary, Minority Development, GoM took bank wise review of achievements of under flow of credit to minority communities and expressed concern over the progress of banks. He urged banks to take corrective steps to achieve the minimum expected level of 15% of PSL to minority communities. He also informed about the Padho Pardes All Banks to take note and do the needful. All Member banks are requested to strive hard to achieve the targets ans update the data for Padho Pardes Scheme on Portal. 19

26 Sr. No. Agenda Item Discussions Held Action Point Action taken 13 Demands made by District Magistrate, Pune & Latur District for taking physical possession of secured assets under Section 14 of the SARFAESI Act 2002 scheme launched by Government of India for the students pursuing higher education at foreign Universities. Member Secretary, SLBC informed the house about the demands made by District magistrates in Pune and Latur and told that SLBC has already refer the matter to Chief Secretary, Government of Maharashtra and requested Shri. D K Jain, ACS, Government of Maharashtra to look into the matter. Additional Chief Secretary, Finance & Agriculture assure that they will look into the matter. The SLBC has already sent letter to Chief Secretary, Government of Maharashtra on

27 Annexure II List of Participants of 134 th SLBC Meeting held on at Mumbai Sr. No. Name of the Participant 1 Shri Ravindra Marathe Designation / Institution MD & CEO, Bank of Maharashtra & Chairman, SLBC State Government 1 Shri D.K. Jain Additional Chief Secretary, Agri & Finance 2 Shri S.S. Sandhu Additional Chief Secretary, Cooperation 3 Shri Shyam Tagade Principal Secretary, Minorities Development 4 Smt. R. Vimla CEO, MSRLM 5 Shri Chandrakant Dalvi Commissioner, Cooperation 6 Shri Veerendra Singh Commissioner, DOMA 7 Shri. Pramod Shinde Dy. Secretary Mantralaya, GOM 8 Shri. A.B. Yamgar Under Secretary, GOM 9 Shri. M.N. Hire Director of Muncipal Dept, D.O.M.A 10 Shri T M Kulkarni Asst. Manager, LIDCOM 11 Shri. Nitin Shukla Asstt. Gen. Manager, S I D B I Pune 12 Shri. D.K. Magar Asstt. Gen. Manager, S.L.A.S.Dev Corp. LTD 13 Shri. Rajesh Singaria Asstt. Gen. Manager, IFCI LTD. 14 Shri. Sadashiv Survase Jt. Director Ind, Directorate of Ind 15 Smt. K.V.Kharat Dy. Director Ind,, D I Mumbai 16 Shri. S.K.Kenjale Asstt. CEO, MSKVIB 17 Shri. Rudrasish Roy Chief Manager, N I A 18 Shri. Karol M Salim Asstt. Director, K.V.I.C. 19 Shri. S.S.Ingle A.D. II (BT), K.V.I.C. 20 Shri. V.A. Jadhav Dy. Gen. Manager, M.P.B.C.D.C. Ltd 21 Miss. Varsha Gourkar Asstt. Commissioner, MGNREGS- Comm, Nagpur 22 Shri. P.B. Temghare MM ( FI), MSRLM- Mumbai 23 Shri. A.C.Nawathale State Mission Manager ( FI), MSRLM- Mumbai 24 Smt. Arati S. Puranik Manager ( Vikas ), Sant Rahidas Leather Corp. 25 Shri. R.B.Rahate Dy. Gen. Manager, MUDRA 26 Indra Mallo VC & MD, MAVIM 27 Shri. Anup K Nair Senior Manager, NPCI 28 Shri. Anurag Mishra D.M., NPCI 29 Shri. V.T. Valavan E D, HUDCO 30 Shri. R.M. Meshram Asstt. General Manager, MSOBCFDC Reserve Bank of India 1 Dr. S. Rajagopal R.D. for Maharashtra 2 Smt. J.M. Jivani Regional Director, Nagpur 3 Shri C. Patnaik General Manager, FIDD, Mumbai 4 Shri. Sistla Prabhakar General Manager, 5 Shri. A.S.V. Kameswar Rao Dy. Gen. Manager 6 Shri Mohan Sangavikar Asstt. General Manager, FIDD, Mumbai 21

28 Sr. No. Name of the Participant Designation / Institution NABARD 1 ShriRNKulkarni Chief General Manager, MRO, Pune 2 Shri U.D. Shirsalkar General Manager, MRO, Pune 3 Shri Raymond B D Souza Dy.Gen Manager, NABARD, Pune Apex Banks 1 Shri V Sambamurthy Dy.Gen Manager. National Housing Bank 2 Rekha Surti Regional Manager Scheduled Commercial Banks. 1 Shri. Anith Thomas Zaehmen Asstt. Gen Manager, Andhra Bank 2 Shri. Raj Kumar Asstt. Manager, Andhra Bank 3 Shri K S Prakash Dy. General Manager, Bank of India 4 Shri. A.D. Parulkar General Manager, Bank of Baroda 5 Shri. T.G. Boraiah Dy. Gen. Manager, Canara Bank 6 Shri. J.S. Phule Senior Manager, Canara Bank 7 Shri Narender Singh General Manager Central Bank of India 8 Shri P.K. Sahu Dy. Gen. Manager, Dena Bank 9 Shri. Reyazul Haque Asstt. Gen. Manager, Indian Overseas Bank 10 Shri N Narendra Nath Senior Manager, Indian Overseas Bank 11 Shri Neelam Tike Dy.Gen. Manager, Oriental Bank of Commerce 12 Shri. C.P. Agal Dy. Gen. Manager, Punjab National Bank 13 Shri. Shashank Salve Senior Manager, Punjab And Sind Bank 14 Shri. T.K. Berry Dy. Gen. Manager, State Bank of India 15 Shri K.S. Anbalagan Dy. Gen. Manager, State Bank of India 16 Shri. K. Jagdish Shenay Chief Manager, Syndicate Bank 17 Shri. Vinay Nirwani Senior Manager, Syndicate Bank 18 Shri. M.Venkatesh F.G.M., Union Bank Of India 19 Shri. S. S. Chahande Dy. Gen. Manager, UCO Bank 20 Shri. Atul S Sawant Asstt. Manager, Agri, Vijaya Bank 21 Shri Subhasis Biswas Dy.General Manager & CRM United Bank of India 22 Shri. Parvez Balaporia D.V.P., Axis Bank 23 Shri. Vishwas Mandage Asstt. Manager, Axis Bank 24 Shri. R. Varadrajan Head Key Ates, HDFC Bank 25 Shri Ajay Bhuwad HDFC Bank 26 Shri Sameer Kulkarni Regional Manager, ICICI Bank 27 Shri. Abhay More Regional Manager, ICICI Bank 28 Shri. B.D. Paranjape Gen Manager PSG Agri, IDBI Bank 29 Shri. P.K.Rege Dy. Gen. Manager, IDBI Bank 30 Shri. Nagaraja Rao B. Dy. Gen. Manager, Karnataka Bank Ltd 31 Shri. Ritesh Balan Manager, Karnataka Bank Ltd. 32 Shri. Philip Abraham Asstt. Gen. Manager, Federal Bank 33 Shri. Vinaychandra SVP & ZH, Equitas SF Bank 34 Shri Rishi Jha EVP & Zonal Head, Equitas SF Bank 22

29 Sr. No. Name of the Participant Designation / Institution Regional Rural Banks 1 Shri S D S Carapurcar Chairman, Vidharbha Konkan Gramin Bank 2 Shri U.V. Rao Chairman, Maharashtra Gramin Bank M.S. Cooperative Bank 1 Shri Pramod Karnad Managing Director 2 Shri S.B. Jadhav Joint Manager Lead District Managers 1 Shri R.M. Dayma LDM, AHMEDNAGAR 2 Shri T.D. Gaikwad LDM, AKOLA 3 Shri Vijay Chavan LDM, BEED 4 Shri Vijay Bagde LDM, BHANDARA 5 Shri P.N. Shrote LDM, BULDHANA 6 Shri Ishwar Giradkar LDM, CHANDRAPUR 7 Shri Pradeep Gilankar LDM, DHULE 8 Shri R.S. Khandekar LDM, GADCHIROLI 9 Shri Anil Kumar LDM, GONDIA 10 Shri. P R Shinde LDM, HINGOLI 11 Shri S G Kininge LDM, KOLHAPUR 12 Shri A.M. Mahajan LDM, LATUR 13 Shri S. V. Sapate LDM, Mumbai City 14 Shri Gadadhar Sethi LDM, MUMBAI SUBURB 15 Shri Ayub Khan LDM, NAGPUR 16 Shri Mahesh Hari Prabhu LDM, NANDURBAR 17 Shri Vijay Uttam Ushir LDM, NANDED 18 Shri A.D. Chavan LDM, NASIK 19 Shri Nilesh Mohan Vijaykar LDM, OSMANABAD 20 Shri A.B. Sawant LDM, PALGHAR 21 Shri Ram Kharatmal LDM, PARBHANI 22 Shri D.B. Deshmukh LDM, PUNE 23 Shri T. Madhusudana LDM, RAIGAD 24 Shri S S Bandivadekar LDM, RATNAGIRI 25 Shri R.S. Pujari LDM, SANGLI 26 Shri M. Y. Shirolkar LDM, SATARA 27 Shri Kishorkumar.B. Jadhav LDM, SINDHUDURG 28 Shri S V Shriram LDM, SOLAPUR 29 Shri R.G. Joshi LDM, THANE 30 Shri W H Kohad LDM, WARDHA 31 Shri Vijay H Nagrale LDM, WASHIM 32 Shri Prashant Deshpande LDM, YAVATMAL Insurance Companies 1 ShriDDDange Regional Manager, A I C of India Ltd. Other 1 Shri Sunil Kasture State Director, RSETIs 2 Representative IFCI Ltd. 3 Shri Anup K Nair Senior Manager AePS & ekyc, NPCI 23

30 Sr. No. Name of the Participant Designation / Institution Convener Bank Bank of Maharashtra 1 Shri M.K. Biswal GM, HRM & Convener, SLBC 2 Shri C.K. Verma GM, Priority 3 Shri C.B. Arkatkar DGM, Member Secretary, SLBC 4 Shri Ahilaji Thorat DGM, FI, SLBC 5 Shri Amit Teke Senior Manager, SLBC 6 Shri S.S.Gounder Senior Manager, SLBC 24

31 Annexure

32 No. AX1 / SLBC 135 / Minutes / June 13, 2017 Minutes of the 135 th SLBC Meeting held on June 01, 2017 at Mumbai 135 th SLBC meeting was convened on The meeting had a focused agenda to launch State Annual Credit Plan for including crop loan disbursements. The meeting was chaired by Shri Devendra Fadnavis, Hon ble Chief Minister, Maharashtra State. Shri R.P. Marathe, MD & CEO, Bank of Maharashtra and Chairman, SLBC Maharashtra co-chaired the meeting. Shri Pandurang Fundkar, Minister for Agriculture, Shri Subhash Deshmukh, Minister for Cooperation, Shri Deepak Kesarkar, state Minister for Finance & Planning, Shri Sumit Mullick, Chief Secretary, Shri D.K. Jain, Additional Chief Secretary (Finance), Dr. Jagdish Patil, Commissioner (Cooperation), Shri Sunil Kendrekar, Commissioner, Agriculture and other senior officials of the State Government attended the meeting. The Reserve Bank of India was represented by Dr. S. Rajgopal, Regional Director, Maharashtra & Goa and Smt. J.M. Jivani, Regional Director, Nagpur. NABARD was represented by Dr. R.N. Kulkarni, Chief General Manager, MRO, Pune. The meeting was also attended by Shri A.L. Bongirwar, Executive Director, IDBI Bank, Shri Pramod Karnad, Managing Director, MSC Bank, Shri U.V. Rao, Chairman, Maharashtra Gramin Bank, Shri SDS Carapurcar, Chairman, Vidarbha Konkan Gramin Bank and other senior officials of Reserve Bank of India, NABARD, various banks and selected Lead District Managers in the State. Shri A.B. Thorat, Dy. General Manager and Member Secretary, SLBC, Maharashtra, welcomed the participants & the important dignitaries and requested the members to utilize the SLBC forum actively. Shri R.P. Marathe, MD & CEO, Bank of Maharashtra and Chairman, SLBC Maharashtra while welcoming the dignitaries, initiated the discussions and informed the house that focus of the discussions during the meeting would be on launching of State Annual Credit Plan (ACP) including Crop Loan Disbursements. He said that at Rs. 2,90,829 crore for Priority Sector, the State ACP for would be one of the highest in the country. He 26

33 informed that for , the target for disbursement under Agriculture is set at Rs. 77,207/- crore of which Crop Loans constitutes Rs. 54,221/- crore and investment loans constitute Rs.22,986/- crore. He informed the house about downward revision of targets for the year by Gondia and Solapur districts and the justification submitted by these two districts for the same was acceptable. He informed the house that achievement of the State under ACP was 96% of the target for total Priority Sector and that for Agriculture was 125% of the target; achievement under other priority sector being 83% of the target. He explained that though the achievement was comparatively low because of some period of financial inactivity owing to demonetization, the same was factored in State ACP for the year He hoped for good monsoon like last year resulting into good overall performance in the agri sector. He was happy to note that SLBC Maharashtra was one of the largest SLBCs in the country with a network of more than 15,000 bank branches, 10,000 Bank Mitras and 20,000 ATMs and CD Ratio of the State at 99%. He gave a detailed account of financial developments in the banking industry, the State as well as those on the national front. He informed that the banking industry was passing through challenging times with gross NPAs growing manifold and merger and consolidation on the anvil. However, he expressed confidence that with technology leaping forward, new players joining, rebalancing of portfolios, various reforms and new accounting procedures etc. the banking industry would come out shining. He informed that various national and international agencies had given positive forecast for GDP growth. He urged for kind intervention of Hon ble Chief Minister for quick disposal of some long pending issues viz notification of all District Headquarter Towns, all Talukas /Tehsil Headquarter Towns etc. under Section 58 (f) of Transfer of Property Act, 1882 for creation of Equitable Mortgage in the State of Maharashtra, difficulties in getting District Magistrate s permission and instructions of certain District Magistrates in Maharashtra to deposit fees for taking physical possession of secured assets under Section 14 of the SARFAESI Act 2002 and introduction of a new Maharashtra State Recovery Act so as to speed up recovery proceedings by banks. Shri V.U. Mhaske, General Manager (Agri), Bank of Maharashtra & Convener, SLBC Maharashtra gave an analytical presentation to the house on agenda points that included: State Profile of Maharashtra Agricultural Sector & Development in the State Banking scenario of Maharashtra State Finance for Agriculture in Maharashtra Coverage of Farmers 27

34 Annual Credit Plan Review of PMJDY, MUDRA and Stand Up India Ground Level Credit Plan Target for Agriculture for the year Financial Literacy week Notification of towns for creation of equitable mortgage. He also explained the various steps involved for preparation of final State Credit Plan. Shri Pandurang Fundkar, Minister for Agriculture observed that the growth in crop loan disbursements over the last three years was quantitative but not qualitative. He expected the banks in Maharashtra to ensure easy availability of credit to the farmers and their active support in Government s Unnat Sheti and Samruddha Shetkari programme to make higher capital investments in agriculture and double farm income. He advised bankers to abstain from appropriating various subsidy amounts to farmers loan accounts. He expressed concern over low man power in rural branches of banks resulting into lot of work pressure during crop loan disbursement season and advised bankers to take immediate corrective measures. He also advised bankers to ensure that loans under MUDRA be made easily available to eligible unemployed rural youth. Shri Subhash Deshmukh, Minister for Cooperation concurred with the views expressed by the Minister for Agriculture and suggested that bank branches with low man power can effectively utilize the services of Bank Mitras to address the issue of work pressure during disbursement season. He advised bankers to sanction loans under MUDRA to all eligible beneficiaries. He also advised that the banks should not desist to sanction loans under MUDRA on the plea that the targets are already achieved. He opined that there was target for minimum number of cases and banks could very well sanction loans over and above these targets The Chief Minister while delivering key note address expressed concern over the fact that some of the District Central Cooperative Banks (DCCBs) in the State were facing acute financial constraints and were unable to finance their borrowers. He opined that some constructive strategy needed to be worked out immediately to address this serious problem. 28

35 MD & CEO, Bank of Maharashtra & Chairman, SLBC Maharashtra suggested that banks in the State would follow the One Bank One Borrower doctrine and would be ready to take over the loans of standard borrowers of DCCBs but not the defaulting ones. Managing Director, Maharashtra State Cooperative Bank, Commissioner for Cooperation, Government of Maharashtra, and Additional Chief Secretary, Finance, Government of Maharashtra provided valuable inputs in the discussions. ACS, Finance, GoM, requested Reserve Bank of India to ensure availability of adequate currency in the State. The Chief Minister advised SLBC Maharashtra, Finance Department GoM and Maharashtra State Cooperative Bank to work out a strategy for addressing the issue of weak DCCBs within a week s time. The Chief Minister approved the State ACP of Rs. 5,05,373 crore that include Rs. 2,90,829 crore under Priority Sector for the year However, he observed that investment credit was going down and advised bankers to improve upon the same. He urged the bankers to address the issue of disparities at micro level resulting from regional imbalances. He expressed concern over the fact that a large section of society was still financially excluded and the absolute number of persons financed under various schemes must improve apart from immediate improvement in number of farmer community being brought under formal institutional credit system. He observed that Maharashtra was a progressive State and Self Help Groups (SHGs) were performing well. However, he felt that the performance of PSBs in this area was far from satisfactory and advised bankers to accord due priority to the same. As regards performance of the State under MUDRA, he opined that though the performance was good, something extra needed to be done so that all genuine eligible beneficiaries would get loan. He impressed upon the participants that the Government is doing its best but the role of bankers in achieving the desired goals is a vital one. The Chief Minister highlighted the success of Jalayukta Shivar Abhiyan implemented by the State Government and its positive impact on increase in ground water level. He expected the Rabi sowing to be increased to 50% from the present 25% which would also help in doubling of farmers income. The Chief Minister urged the house to look objectively at the present scenario for bringing about a positive change that in turn would help the State and the Country. He wished good 29

36 luck for better performance during the year ahead and appealed for striving hard to achieve the dream of doubling farmers income within stipulated time. Lead District Managers of 9 districts viz Wardha, Pune (100%), Parbhani, Sangli, Jalna (101%), Nagpur (102%), Kolhapur, Raigad (105%) and Aurangabad (111%) were felicitated at the hands of Hon ble Chief Minister for surpassing yearly target for crop loan disbursements during Ms. R. Vimla, CEO, MSRLM gave an informative presentation over latest activities of Maharashtra State Rural Livelihoods Mission. Shri Sumit Mullick, Chief Secretary, Government of Maharashtra summed up the proceedings. He expressed satisfaction over the fruitful discussions that took place during the course of the meeting. He observed that the goal of the Government and the banking fraternity was the same and working together would definitely give better results. Member Secretary, SLBC, Maharashtra proposed vote of thanks. The list of officials who participated in the meeting is given in the Annexure. 30

37 Annexure List of Participants of 135 th SLBC Meeting held on at Mumbai Sr. No. Name of the Participant Designation / Institution 1 Shri Devendra Fadnavis Chief Minister, Maharashtra 2 Shri Pandurang Fundkar Minister for Agriculture 3 Shri Subhash Deshmukh Minister for Cooperation 4 Shri Deepak Kesarkar State Minister, Finance & Planning Central Government 1 Ms Vandita Kaul Joint Secretary, DFS, New Delhi, SLBC Nodal Officer & Director, Bank of Maharashtra State Government 1 Shri Sumit Mullick Chief Secretary 2 Shri D.K. Jain Additional Chief Secretary, Finance 3 Shri Apurva Chandra Principal Secretary, Planning 4 Shri A.L. Jarhad Secretary, Agriculture 5 Shri Eknath Dawale Secretary, Water Conservation & EGS 6 Shri Baldev Harpal singh Secretary, Labour 7 Dr. Jagdish Patil Commissioner, Cooperation 8 Shri Sunil Kendrekar Commissioner, Agriculture 9 Ms R. Vimla CEO, MSRLM 10 Shri D.S. Salunke Dy. Registrar, Cooperation 11 Shri P.B. Temghare MM (FI), MSRLM Reserve Bank of India 1 Dr. S. Rajgopal Regional Director, Maharashtra & Goa 2 Ms. J.M. Jivani Regional Director, Nagpur 3 Shri Prabhakar Sistla General Manager, FIDD, Mumbai 4 Shri M.D. Sangavikar Asstt. General Manager, FIDD, Mumbai NABARD 1 Dr. R.N. Kulkarni Chief General Manager, MRO, Pune 2 Shri U.D. Shirsalkar General Manager, MRO, Pune 3 Shri R.B. D Souza Dy. General Manager, MRO, Pune 4 Ms Usha Mahesh AGM, NABARD, MRO, Pune Scheduled Commercial / Apex Banks. 1 Shri R.P. Marathe MD & CEO, Bank of Maharashtra & Chairman, SLBC Maharashtra 2 Shri Alekh Rout Executive Director, Bank of Maharashtra 3 Shri J.A. Onkar Chief Manager, Allahabad Bank 4 Shri Anith Thomas Asstt. Gen. Manager, Andhra Bank 5 Shri A.D. Parulkar General Manager, Bank of Baroda 6 Shri C.G. Popere Dy. Gen. Manager, Bank of India 7 Shri T.G. Boraiah Dy. Gen. Manager, Canara Bank 8 Shri J.S. Phule Sr. Manager, Canara Bank 9 Shri S.R. Khatik Field Gen. Manager, Central Bank of India 10 Shri S. Venkatramaiah Dy. Gen. Manager, Corporation Bank 11 Smt. Jaya Chakraborty De General Manager, Dena Bank 12 Shri A.L. Bongirwar ED, IDBI Bank 13 Shri P.K. Das Chief General Manager, IDBI Bank 14 Shri B.D. Paranjape General Manager, IDBI Bank 15 Shri S. Suresh Dy. Gen. Manager, Indian Bank 16 Shri V.J. Ganguli Chief Manager, Indian Bank 31

38 Sr. No. Name of the Participant Designation / Institution 17 Shri Anil Kumar Dy. Gen. Manager, Indian Overseas Bank 18 Shri N. Narendra Nath Sr. Manager, Indian Overseas Bank 19 Shri Praveen Goyal Asstt. Gen. Manager, Oriental Bank of Commerce 20 Shri Sanjiva Srivastava ZM, Punjab & Sind Bank 21 Shri Bipin Agarwal Sr. Manager, Punjab & Sind Bank 22 Shri H.K. Bhutani Dy. Gen. Manager, Punjab National Bank 23 Shri Deepankar Bose Chief General Manager, State Bank of India 24 Shri K.C. Behre Asstt. Gen. Manager, State Bank of India 25 Shri Dhiraj Hire MFMO, State Bank of India 26 Shri R. Bhuvaneswari Dy. Gen. Manager, Syndicate Bank 27 Shri S.S. Chahande Dy. Gen. Manager, UCO Bank 28 Shri M. Venkatesh Field Gen. Manager, Union Bank of India 29 Shri Ravi Gupta Gen. Manager, Union Bank of India 30 Shri Vinod Babbar Dy. Gen. Manager, United Bank of India 31 Shri Prakash Shroff VP, Axis Bank 32 Shri Ashish Ganorkar DVP, Axis Bank 33 Shri Philip Abraham Asstt. Gen. Manager, Federal Bank 34 Shri Ravi Narayanan Country Head, HDFC Bank 35 Shri R. Vardharajan Head, Key Accounts, HDFC Bank 36 Shri Rajinder Bess EVP, HDFC Bank 37 Shri Sameer Agrawal VP, HDFC Bank 38 Shri Vilas Dhurandhar Regional Head, ICICI Bank 39 Shri Sameer Kulkarni Regional Manager, ICICI Bank 40 Shri Nagaraja Rao B. Dy. Gen. Manager, Karnataka Bank Ltd. 41 Shri Ritesh Balan Manager, Karnataka Bank 42 Shri Pramod Karnad Managing Director, MS Cooperative Bank 43 Shri S.B. Jadhav Joint Manager, MS Cooperative Bank Regional Rural Banks 1 Shri U.V. Rao Chairman, Maharashtra Gramin Bank 2 Shri SDS Carapurcar Chairman, Vidharbha Konkan Gramin Bank Lead District Managers 1 Shri P.S. Kutwal LDM, Aurangabad 2 Shri Anil Kumar LDM, Gondia 3 Shri S.G. Kininge LDM, Kolhapur 4 Shri Ayub Khan LDM, Nagpur 5 Shri Ram Kharatmal LDM, Parbhani 6 Shri D.B. Deshmukh LDM, Pune 7 Shri Ashok Nandanwar LDM, Raigad 8 Shri R.S. Pujari LDM, Sangli 9 Shri Suresh Shriram LDM, Solapur 10 Shri Waman Kohad LDM, Wardha Others 1 Shri Kamal Rajput Sr. VP, KSCPL 2 Shri Ankit Modi Project Manager, KSCPL Convener Bank Bank of Maharashtra 1 Shri V.U. Mhaske GM, Convener, SLBC 2 Shri A.B. Thorat DGM, Member Secretary, SLBC 3 Shri S.P. Zele Chief Manager, SLBC 4 Shri Amit Teke Senior Manager, SLBC 5 Shri Sundarraj Gounder Senior Manager, SLBC 6 Shri P.M. Walunjkar Manager, SLBC 32

39 Agenda No. 2 Disbursement of Crop Loans under Annual Credit Plan A) Review of Progress under lending for Crop Loans under ACP Special emphasis is given to lending for crop loans so that each farmer in the state is provided with credit facility. The progress is reviewed frequently at various forums. The present status of achievement vis-à-vis targets for crop loans is as under: Comparative Performance Sr. No ` in crore YoY Agency Kharip Kharip % Ach % Ach Ach % Ach Target Target growth Public Sector Banks Share Private Sector Banks Share CBs Share RRBs Share Sub total SCBs Share DCCBs Share Total As of , the overall achievement by banks in the State is 38% of the kharif target of Rs.40,547 crore showing negative YOY growth. Achievement during same period of the previous year was to the extent of 76%. Reasons for low credit off take this year can be attributed to announcement of farm loan waiver scheme by Government of Maharashtra. Meanwhile, an interim loan of Rs. 10,000/- is being disbursed by banks to eligible farmers and as of , an amount of crore has been disbursed to 37,346 farmers in Maharashtra (Annexure 2.1). District wise, Bank wise and Agency wise position of crop loans as of as reported by Lead District Managers is given in Annexure 2.2 to 2.4. Government of India as well as Government of Maharashtra have allowed interest subvention to Private Sector Banks. The targets were allotted in view of the same. During the current year, these banks have shown negative YoY growth (-17%) in crop loan disbursement over last year. Their achievement level is 41% as against 59% for last year. 33

40 However, there is a need to gear up the machinery for achievement of targets. We request all the bankers to speed up the process of disbursement of crop loans and surpass the targets for the current kharip season as well as annual targets well ahead of time. Various issues pertaining to crop loan disbursements were discussed in a SLBC subcommittee meeting held on at Pune. Minutes of the meeting are attached herewith (Annexure 2.5). Review of Annual Credit Plan The comparative position of Annual Credit Plan for the last 3 years is as under: ` in crore Sector % % % Tar. Ach. Tar. Ach. Tar. Ach. Ach Ach Ach Agriculture Of which Crop Loans Other Priority Total Priority Non Priority Grand Total Review of Performance under ACP For the year , SLBC has accepted an ambitious target of Rs. 2,90,829 crore (Annexure 2.6) under priority sector, which, at 14 % growth over earlier year, is one of the highest in the country. In the first Quarter of the year , the achievement is 20% of the priority sector target. During the corresponding period of previous year the achievement was 37%. However during , in absolute terms, disbursements under agricultural loans increased by Rs. 23,913 crore (33%) Year to Year and disbursements to other priority sector grew by Rs. 20,065 crore (16%). Total disbursements to priority sector recorded a rise of Rs. 43,978 crore (22%). Detailed information on disbursements and outstanding balances is given in MIS II & III formats (Annexure 2.7 and 2.8). The highlights are given below: Highlights of disbursements and outstandings as of are given below: ` in crore Ann Tar Disb % O/S Ann Tar Disb % O/S June-16 Ach June June-17 Ach June-17 Agriculture 77,458 50, ,17,993 77,207 18, ,13,461 Other Pri 1,77,445 42, ,24,625 2,13,622 38, ,49,826 Total Pri 2,54,903 93, ,42,618 2,90,829 57, ,63,287 34

41 Chhatrapati Shivaji Maharaj Shetkari Sanman Yojana (CSMSSY) 2017 The process for online applications in respect of CSMSSY 2017 was launched on the CSMSSY portal accessible through Aaple Sarkar Portal of Government of Maharashtra from The second module of the CSMSSY portal is the Bank Module wherein banks will provide relevant data in prescribed format (Annexure 2.9). The same along with SOP (Annexure 2.10) in respect of every column of the fomat and list of term loans to be excluded (Annexure 2.11) are attached herewith. Banks will submit data by way of a digitally signed xml file. Only one file having data of all branches in the State of Maharashtra will be submitted by each bank. To orient the concerned IT officers of banks with the task of updation of information in the format and its subsequent submission, a workshop was arranged by Government of Maharashtra on at Mumbai. Member banks are requested to submit relevant data to the Government accordingly. 35

42 Annexure 2.1 Disbursement of Interim Loan of Rs. 10,000/- Sr. No. District No of cases dtd Amount (in lakh) 1 AHMEDNAGAR AKOLA AMRAVATI AURANGABAD BEED BHANDARA BULDHANA CHANDRAPUR DHULE GADCHIROLI GONDIA HINGOLI JALGAON JALNA KOLHAPUR LATUR MUMBAI CITY MUMBAI SUBURB NAGPUR NANDED NANDURBAR NASIK OSMANABAD PALGHAR PARBHANI PUNE RAIGAD RATNAGIRI SANGLI SATARA SINDHUDURG SOLAPUR THANE WARDHA WASHIM YAVATMAL Total

43 Annexure 2.2 ALL DISTRICTS - MAHARASHTRA STATE Disbursements under Crop Loans Rs. in Lakh Crop Loan Cumulative Achievement from Target % Achievement Total Sr District ACP No. Kharif Rabi Achmnt Kharif Rabi Kharif Rabi Target % Accounts Amount Accounts Amount Accounts Amount 1 AHMEDNAGAR AKOLA AMRAVATI AURANGABAD BEED BHANDARA BULDHANA CHANDRAPUR DHULE GADCHIROLI GONDIA HINGOLI JALGAON JALNA KOLHAPUR LATUR MUMBAI CITY #DIV/0! #DIV/0! #DIV/0! 18 MUMBAI SUBURB #DIV/0! #DIV/0! #DIV/0! 19 NAGPUR NANDED NANDURBAR NASIK OSMANABAD PALGHAR PARBHANI PUNE RAIGAD RATNAGIRI SANGLI SATARA SINDHUDURG SOLAPUR THANE WARDHA WASHIM YAVATMAL Total MAHARASHTRA - REGION WISE SUMMARY 1 Konkan Marathwada Vidarbha Western Maharashtra Total

44 Annexure 2.3 ALL BANKS - MAHARASHTRA STATE Disbursements under Crop Loans Rs. in Lakh Crop Loan Cumulative Achievement from Target % Achievement Total Sr Bank ACP No. Kharif Rabi Achmnt Kharif Rabi Kharif Rabi Target % Accounts Amount Accounts Amount Accounts Amount 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Bharatiya Mahila Bank 7 Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sindh Bank Punjab National Bank State Bank of Hyderabad 18 State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Sub Total PSBs Axis Bank Federal Bank HDFC Bank ICICI Bank Kotak Mahindra Bank Ltd Karnataka Bank Ltd Ratnakar Bank Sub Total Pvt Sec Banks A Total Commercial Banks Maharashtra Gramin Bank Vidarbha Konkan Gramin Bank B Sub Total Gramin Banks Total SCBs M.S.Coop. / DCC Banks MSCARD #DIV/0! #DIV/0! #DIV/0! C Sub Total Co.Op Banks Subhadra Local Area Bank Ltd #DIV/0! #DIV/0! #DIV/0! 36 Other Banks D Sub Total Other Banks Grand Total

45 Annexure 2.4 MAHARASHTRA STATE Disbursements under Crop Loans Rs. in Lakh Sr. No. District Kharip Target Commercial Banks Regional Rural Banks Achmnt % Kharip Target Achmnt % Scheduled Commercial Banks (SCBs) Kharip Target Achmnt % District Central Co.op Banks ( DCCBs ) Kharip Target Achmnt % Kharip Target Achmnt % 1 AHMDENAGAR AKOLA AMRAVATI AURANGABAD BEED BHANDARA BULDHANA CHANDRAPUR DHULE GADCHIROLI GONDIA HINGOLI JALGAON JALNA KOLHAPUR LATUR MUMBAI CITY 0 0 #DIV/0! 0 0 #DIV/0! 0 0 #DIV/0! 0 0 #DIV/0! 0 0 #DIV/0! 18 MUMBAI SUBURB 0 0 #DIV/0! 0 0 #DIV/0! 0 0 #DIV/0! 0 0 #DIV/0! 0 0 #DIV/0! 19 NAGPUR NANDED NANDURBAR NASIK OSMANABAD PALGHAR PARBHANI PUNE RAIGAD RATNAGIRI SANGLI SATARA SINDHUDURG SOLAPUR THANE WARDHA #DIV/0! WASHIM YAVATMAL Total Total 39

46 Annexure 2.5 No. AX1 / Agri Sub Comm / Minutes / August 09, 2017 Minutes of the Meeting of the Sub Committee on Agriculture Sector held on August 08, 2017 at Pune A SLBC sub-committee meeting to discuss crop loan disbursements in the State and review performance under Annual Credit Plan was held at Bank of Maharashtra, H.O. Pune on Dr. R.N. Kulkarni, CGM, NABARD, MRO Pune chaired the meeting. Senior officials of Government of Maharashtra, NABARD and member Banks attended the meeting. Officials of Reserve Bank of India and Lead District Managers joined the meeting through Video Conferencing. Shri Vasant Mhaske, Convener, SLBC, Bank of Maharashtra welcomed all the participants and Chairman of the committee along with the Lead District Managers and RBI Officials who had joined the forum through video conference & requested all to participate actively in the meeting. He informed the participants about 135 th SLBC meeting dtd , Special SLBC meeting dtd and meeting called by Government of Maharashtra on all of which were chaired by Hon ble Chief Minister of Maharashtra. He flagged up certain important and urgent issues that emerged during these meetings. The same are as under: Issuance of instructions to branches for sanction / disbursement of interim loan of Rs. 10,000/- to farmers for kharif season Non acceptance of PMFBY Insurance premium in case of Non Loanee farmers. Passing on of insurance compensation received from agri insurance companies to beneficiaries. Non-attendance of block level and district level meetings (BLBC / DLCC) by bankers. Allowing operations in PMJDY accounts strictly as per guidelines issued by the Central Government and Reserve Bank of India from time to time. Convener SLBC expressed his displeasure over long pendency in respect of data regarding uncovered farmers. He exhorted the Lead District Managers to complete the exercise of downloading of files and uploading of updated data within a fortnight. In respect of sanction / disbursement of interim loan of Rs. 10,000/- he clarified that farmers in case of whom loans were disbursed on or after and were overdue as on were eligible for 40

47 getting the interim loan. He informed that Government of Maharashtra had extended the guarantee up to Dr. R.N. Kulkarni, CGM, NABARD, Chairman of the sub-committee on Agri welcomed the participants and advised all concerned to take immediate steps for complying with the action points informed by Convener, SLBC. He was deeply concerned over low credit off take under agriculture, particularly crop loan disbursements though the reasons were known to all and expressed confidence to come over all the challenges. He hoped that after the roll out of farm loan waiver scheme announced by the State Government, we would be in a better position. He informed that there were three perspectives to the waiver scheme viz. farmers, bankers and the Government s. He felt that, at times, these perspectives do not match and it should be our endeavor to match them through meaningful meetings. He opined that coverage of farmers was a very important issue and was not to be sidelined in any case. He urged the Lead District Managers to complete the exercise even before the timeline stipulated by Convener, SLBC. With reference to Government of Maharashtra meeting dtd , he informed that Collectors in the State have pointed out that many banks had still not issued instructions to their branches for sanction / disbursement of interim loan of Rs. 10,000/- and asked to disseminate the instructions received from SLBC to all concerned and send confirmation of compliance. Agenda 1 : Confirmation of minutes of the sub-committee meeting held on The minutes of SLBC sub-committee meeting held on were placed as an annexure in the agenda and were confirmed. Agenda 2 : Disbursement under Crop Loans Convener SLBC praised the districts that had shown good performance under disbursement of interim loans of Rs. 10,000/-. He took district wise review of the performance under disbursement of crop loans for the current kharip season and urged the member banks to help the farmer community at least for the post sowing operations of the season as major sowing is already over. 41

48 Agenda 3 : Review of Annual Credit Plan Convener SLBC informed that performance under Annual Credit Plan as at the end of the first quarter of the year was low as compared to the corresponding period of the last year and urged the participants to deliberate on the same. CGM, NABARD opined that though low performance under agri and more particularly under crop loan disbursements was understandable in light of farm loan waiver scheme announced by Government of Maharashtra, banks may concentrate on investment loans to improve the performance. Agenda 4 : Remedies under the Maharashtra Provision of Facilities for Agriculture Credit by Banks Act, 1974 A representation from State Bank of India regarding Remedies under the Maharashtra Provision of Facilities for Agriculture Credit by Banks Act, 1974 for implementing the said Act in Maharashtra which may result in improvement in loan recovery was placed in the agenda for discussions. It was observed that the representation was incomplete in some respect. Convener SLBC informed that the issue of implementation of Recovery Act in the State of Maharashtra was already taken up with Government of Maharashtra. Dy. Registrar, Cooperation Department, Government of Maharashtra informed that Recovery Act on lines of the act being followed in the State of Madhya Pradesh was being drafted and the matter is in process. Agenda 5 : Other Issues 1. CGM, NABARD enquired about the status of LBR submission and informed that it has not been withdrawn. It was informed that submission of LBR was discontinued after introduction of Reserve Bank of India MIS formats I, II and III. He informed that activity wise sectoral / sub sectoral data which forms the base for preparing Potential Linked Plan was not available under Reserve Bank of India MIS formats. It was decided that representatives of Reserve Bank of India, NABARD and Lead Banks will form a group and prepare a template for activity wise sectoral / sub sectoral data. 42

49 He informed about Reserve Bank of India circular dtd in respect of Doubling of Farmers Income by the year He also informed that NABARD has prepared benchmarks and an approach paper in respect of the same and urged to discuss the issue in SLBC meeting. 2. Asstt. Gen. Manager, Reserve Bank of India, FIDD, MRO, Mumbai informed as under: a. During BLBC / DLCC meetings, only performance under ACP is discussed. b. Participants do not have any data with them and Lead District Managers should ensure that all participants are provided with relevant data. c. Instructions from SLBC are not percolated to the branches by controlling offices of the banks. d. Work distribution at Lead District Manager s office is not proper and Lead District Managers are looking after FLCs, RSETIs etc. in addition to their regular work; especially in case of State Bank of India. Convener SLBC assured to take up the issues with member banks. 3. Representative of the State Agriculture Department informed that diversification in agriculture is encouraged for doubling farmers income. He informed about upcoming initiatives like food processing clusters, `ÛȯȢ Ǚƨȯȣ programme and ȡȡǕÈ ȡ programme. 4. Convener SLBC informed the Lead District Managers about Aadhar Enrollment through banks and setting up of 1 centre per 10 branches of a bank by for the purpose. He informed that it was most important for the Lead District Managers to closely coordinate the activity as the Central Government aimed at completing the exercise by November The sub-committee meeting concluded after Chief Manager, SLBC proposed vote of thanks. The list of officials who participated in the meeting is given in the Annexure. 43

50 Annexure List of Participants for SLBC Sub Committee Meeting on Agriculture held on at Pune Sr. No. Name of the Participant Designation / Institution 1 Shri R.N. Kulkarni State Government Chief General Manager, NABARD Chairman of the Committee 1 Shri D.S. Salunke Dy. Registrar, Cooperation Dept. 2 Shri G.M. Kulkarni T.O. Agriculture Department Reserve Bank of India 1 Officials joined through VC Asstt. Manager, FIDD, Mumbai 2 Officials joined through VC Reserve Bank of India, Nagpur NABARD 1 Shri Devasis Padhi General Manager, NABARD, Pune 2 Shri Raymond D Souza Dy. General Manager, NABARD, Pune 3 Ms Usha Mahesh Asstt. General Manager, NABARD, Pune Scheduled Commercial / Apex Banks. 1 Shri K.S. Prakash Dy. Gen. Manager, Bank of India 2 Shri N. Veerapandian Asstt. Gen. Manager, Central Bank of India 3 Shri S.B. Humne Chief Manager, Central Bank of India 4 Shri Vikas Amritkar Chief Manager, Union Bank of India 5 Shri Sameer Kulkarni Regional Manager, ICICI Bank 6 Shri Abhaykumar More Regional Manager, ICICI Bank Lead District Managers 1 Shri D.B. Deshmukh Asstt. Gen. Manager, LDM, Pune District 2 LDMs joined through VC All Districts from Maharashtra except Mumbai City & Suburban Convener Bank Bank of Maharashtra 1 Shri V.U. Mhaske GM, Convener, SLBC 2 Shri A.B. Thorat DGM, Member Secretary, SLBC 3 Shri S.P. Zele Chief Manager, SLBC 4 Shri Amit Teke Senior Manager, SLBC 5 Shri Sundarraj Gounder Senior Manager, SLBC 6 Shri P.M. Walunjkar Manager, SLBC 44

51 Annexure 2.6 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-I Statement Showing Target of Annual Credit Plan ( ACP) for the year ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs Sr. No Sub-Sector Yearly Targets under ACP Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

52 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-I Statement Showing Target of Annual Credit Plan ( ACP) for the year ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 1. Public Sector Banks Sr. No Sub-Sector Yearly Targets under ACP Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

53 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-I Statement Showing Target of Annual Credit Plan ( ACP) for the year ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 2. Private Sector Banks Sr. No Sub-Sector Yearly Targets under ACP Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

54 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-I Statement Showing Target of Annual Credit Plan ( ACP) for the year ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 3. Gramin Banks Sr. No Sub-Sector Yearly Targets under ACP Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

55 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-I Statement Showing Target of Annual Credit Plan ( ACP) for the year ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 4. Scheduled Commercial Banks (1+2+3) Sr. No Sub-Sector Yearly Targets under ACP Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

56 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-I Statement Showing Target of Annual Credit Plan ( ACP) for the year ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 5. Cooperative Banks (MS Coop / DCCBs / MSCARD etc.) Sr. No Sub-Sector Yearly Targets under ACP Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

57 Annexure 2.7 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-II Statement Showing Disbursements & Outstanding for the Quarter Ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs Sr. No Sub-Sector Disb up to Outstanding as on Number Amount Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

58 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-II Statement Showing Disbursements & Outstanding for the Quarter Ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 1. Public Sector Banks Sr. No Sub-Sector Disb up to Outstanding as on Number Amount Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

59 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-II Statement Showing Disbursements & Outstanding for the Quarter Ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 2. Private Sector Banks Sr. No Sub-Sector Disb up to Outstanding as on Number Amount Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

60 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-II Statement Showing Disbursements & Outstanding for the Quarter Ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 3. Gramin Banks Sr. No Sub-Sector Disb up to Outstanding as on Number Amount Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

61 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-II Statement Showing Disbursements & Outstanding for the Quarter Ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 4. Scheduled Commercial Banks (1+2+3) Sr. No Sub-Sector Disb up to Outstanding as on Number Amount Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

62 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-II Statement Showing Disbursements & Outstanding for the Quarter Ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 5. Cooperative Banks (MS Coop / DCCBs / MSCARD etc.) Sr. No Sub-Sector Disb up to Outstanding as on Number Amount Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

63 Annexure 2.8 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-III Statement Showing Achievements vis-à-vis Targets for the Quarter Ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs Sr. No Sub-Sector Yearly Targets under ACP % Achmnt up to Number Amount Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture 0 0 4B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

64 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-III Statement Showing Achievements vis-à-vis Targets for the Quarter Ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 1. Public Sector Banks Sr. No Sub-Sector Yearly Targets under ACP % Achmnt up to Number Amount Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture 0 0 4B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

65 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-III Statement Showing Achievements vis-à-vis Targets for the Quarter Ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 2. Private Sector Banks Sr. No Sub-Sector Yearly Targets under ACP % Achmnt up to Number Amount Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture 0 0 4B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

66 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-III Statement Showing Achievements vis-à-vis Targets for the Quarter Ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 3. Gramin Banks Sr. No Sub-Sector Yearly Targets under ACP % Achmnt up to Number Amount Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture 0 0 4B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

67 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-III Statement Showing Achievements vis-à-vis Targets for the Quarter Ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 4. Scheduled Commercial Banks (1+2+3) Sr. No Sub-Sector Yearly Targets under ACP % Achmnt up to Number Amount Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture 0 0 4B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

68 SLBC Maharashtra - Convener : Bank of Maharashtra LBS- MIS-III Statement Showing Achievements vis-à-vis Targets for the Quarter Ended Name of the State - Maharashtra No. in actuals, Amount in Lakhs 5. Cooperative Banks (MS Coop / DCCBs / MSCARD etc.) Sr. No Sub-Sector Yearly Targets under ACP % Achmnt up to Number Amount Number Amount 1 Priority Sector 1A Agriculture = 1A(i) + 1A(ii) + 1A(iii) A(i) Farm Credit A(ii) Agriculture Infrastructure A(iii) Ancilliary Activities B MSME = 1B(i) + 1B(ii) + 1B(iii) + 1B(iv) B(i) Micro Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(ii) Small Enterprises(Manu + Service Adv up to Rs. 5 Crore) B(Iii) Medium Enterprises(Manu + Service Adv up to Rs. 10 Crore) B(iv) Khadi & Village Industries B(v) Others under MSMEs C Export Credit D Education E Housing F Social Infrastructure G Renewable Energy H Others Sub Total = 1A+1B+1C+1D+1E+1F+1G+1H Loans to Weaker Sections Under Priority Sector Non Priority Sector 4A Agriculture 0 0 4B MSME (Service) = 4B(i) + 4B(ii) + 4B(iii) B(i) Micro Enterprises(Service)Adv above Rs. 5 Crore B(ii) Small Enterprises(Service)Adv above Rs. 5 Crore B(Iii) Medium Ent(Service)Adv above Rs. 10 Crore C Education D Housing E Personal Loans Under Non Priority Sector F Others Sub Total = 4A+4B+4C+4D+4E+4F+4G+4H Total

69 Annexure A Bank Details Personal Details Sr. No. Bank Name * Branch IFSC Bank Branch PACS ID / Loan Holder Gender ( Loan Holder Category Inherited (Y/N) * Code * Name * PACS Name ( First - Male/ Birth Date (SC/ST/Others) * customer ID Middle - Last Female) * (DD/MM/YYY allocated by Name) * Y) DCC / commercial Bank* (Applicable for PACS)

70 10.B 10.C Name of the deceased Share Amount of the Loan of Deceased Aadhaar Number (12 Digit) / EID Number * PAN number (10 Digit) Full Residential Address * District * Taluka * Gram Panchayat/Na gar Palika/ Maha Nagar Palika * Pin Code * Customer ID (CIF) (if applicable) 64

71 PACS Membership ID * (Applicable for PACS) Loan Details Fresh / Restructured * Loan Type (Mediumterm/Short Term Crop Loan) * Crop / Medium Term loan taken jointly (Y/N*) Share Amount for Joint Loan Purpose of loan * Tenure of loan in months in case of Term Loan (including Moratorium) * Loan Account Number * Land Record Type * Linked Gat No. / Survey No. / Khate No. * 65

72 District* Taluka* Village* Linked Saving Account Number * Date of Disbursement/D ate of Restructure (DD/MM/YYYY) * Due Date of repayment (DD/MM/YYY Y) * NPA (Y/N) * NPA Date (DD/MM/YYY Y) Principal amount on date of NPA Amount of Interest receivable on date of NPA 66

73 Loan Written off (Y/N) * Loan Writeoff Date (DD/MM/YYY Y) Loan Amount /Limit Sanctioned * Loan Amount Disbursed / Restructured Amount * (A) Interest Payable on Due date * (B) Total Amount Payable on due date* (A+B) Amount of Principal Repaid * (X) Amount of Interest Repaid * (Y) Total Amount Repaid * (X+Y) Fully Repaid (Y/N) * Date of Full Repayment *(DD/MM/YY YY) 67

74 Overdue (Y/N) * Overdue amount as on 30 June 2016 of Principal/Restructure d instalments of loans (P) Overdue amount of interest as on 30 June 2016 on loan/residual restructured loan (Q) Total overdue as on 30 June 2016 (P+Q) Overdue amount as on 31 July 2017 of Principal/Restructure d instalments of loans (R) Overdue amount of interest as on 31 July 2017 on loan/residual restructured loan (S) Total Overdue as on 31 Jul 2017 (R+S) 68

75 Amount of balance installments of restructured loans as on 31 July Other Miscellaneous Details Loan Guaranter Name (if present) Loan Co-Applicant Name (if present) Loan Nominee Name (if present) Wilful Defaulter (Yes or No) Fraud (Yes or No) Disputes pending before Court (Yes or No) 69

76 Any Other Loan Account exists for self /family (Y/N) * Any Other Loan Account Number (self /family) Additional Remarks 70

77 Annexure 2.10 Standard Operating Procedure for Banks Chhatrapati Shivaji Maharaj Shetkari Sanman Yojana

78 I. Introduction: Chhatrapati Shivaji Maharaj Shetkari Sanman Yojana (CSMSSY) is being implemented by the Co-operation Dept. In this template, banks needs mainly to provide data of crop loan/medium term loan disbursed between to and overdue on but remain unpaid on II. BANK Data Compilation and Upload Procedure Banks would be required to submit relevant loan accounts related data on 3 events: i. First time Data submission for all loans disbursed between April 2009 to March 2016 and Loan accounts of & specifically with regular repayments ii. Replacement of data for exception/errors records reported by MahaIT after scrutiny iii. Refresher data for loan accounts where repayments are done post predefined wait period i.e in case where amount of overdue loan is more than Rs lakhs and the benefit of the scheme is to be given on payment of amount exceeding Rs. 1.5 lakh There are two separate type of data collection processes: a. Procedure for compilation of Loan account information for Banks with central computerised data. i. Maha IT Team to provide bank login credentials to banks for CSMSSY portal ii. Maha IT team would publish a standard XML format to all banks through CSMSSY Portal?? iii. Banks to generate a digitally signed XML for their data and upload the same on the CSMSSY portal using Bank/Branch Login to be provided to the banks iv. Banks need to ensure data is latest and updated as of and does not include the category of loan given in (Annexure-A) v. Maha IT to run batch job to import the submitted bank data and report any exceptions/errors to Bank / Branch vi. Steps iii and iv will be repeated for more than 1 round as may be required b. Procedure for compilation of Loan account information for PACS with manual data. i. Maha IT Team to provide bank login credentials to banks for CSMSSY portal ii. Maha IT team would publish a standard XML format & Excel template for PACS to all district banks through CSMSSY Portal?? iii. District Banks to collect loan data from PACS using excel template. iv. District Banks to generate a digitally signed XML for their data and upload the same on the CSMSSY portal using Bank/Branch Login v. Maha IT to run sanity checks on the submitted bank data and report any exceptions/errors to Bank / Branch vi. Steps iii, iv and v will be repeated for more than 1 round. 72

79 III. Description of Bank Template Form (Column wise explanation provided below) Bank Details 2. Bank Name* Complete Name of Bank needs to be specified. This field is mandatory. 3. Branch IFSC Code* Exact IFSC Code of the branch needs to be specified. In case of PACS IFSC code of the related district bank branch needs to be specified. This field is mandatory. 4. Bank Branch Name* Unique branch name / in case of PACS, unique district branch name needs to be specified. This field is mandatory. 5. PACS ID/ PACS customer ID allocated by DCC / commercial Bank (Applicable for PACS)* PACS ID will be customer ID allocated by the banks to the PACS associated with the concerned banks. Where such PACS are not associated with banks then PACS ID will be the ID allotted by the respective DDR. *Where the banks have not PACS associated with them, shall indicate Not Applicable. This field is mandatory. Personal Details 6. Loan Holder Name (First - Middle - Last Name)* Loan Account holder s exact full name in the format <F name M name L name> needs to be specified. This field is mandatory. 7. Gender (Male/ Female)* Values M or F needs to be specified. This field is mandatory. 8. Loan Holder Birth Date (DD/MM/YYYY) Loan Account Holder s birth date in format <DD/MM/YYYY> needs to be specified. 9. Category (SC/ST/Others)* SC/ST/Other details to be specified. This field is mandatory. 10.A. Inherited (Yes/No)* Yes/No, needs to be specified. This field is mandatory. If No, indicate NA in column 10.B and 10.C. For example, a father has loan of INR 1,00,000 and he died without paying the loan. As he has four sons i.e. A, B, C and D, the loan amount was distributed among these four sons. Suppose the amount was distributed equally by bank, then each has to pay INR 25,000 and interest to the bank. Now while, filling the template of A by bank/pacs, shall select Y in column 10.A and mention the full name of his father in Column 10.B as per the format given and shall mention INR 25,000 in column 10.C 10.B. Name of deceased (First - Middle - Last Name) If Inherited is yes, then this field is mandatory, exact full name of the deceased in the format <F name M name L name> needs to be specified. 10.C. Share amount of the loan of deceased If Inherited is Yes, then this field is mandatory, needs to be specified, share amount of the loan of deceased. 11. Aadhar Number (12 Digit) / EID Number* 73

80 Exact Aadhar number of the loan account holder which is linked to his savings account number needs to be specified. If Aadhar number is not seeded to savings account number, it is banks responsibility to get the Aadhar seeding done for the loan account holder. This field is mandatory. 12. PAN number (10 Digit) Exact PAN number of the Loan account holder needs to be specified if available. 13. Full Residential Address* Loan account holder s residence address needs to be mentioned in detail. This field is mandatory. 14. District* District where the loan account holder is residing needs to be specified. This field is mandatory. 15. Taluka* Taluka where the loan account holder is residing needs to be specified. This field is mandatory. 16. Gram Panchayat / Nagar Palika / Maha Nagar Palika* Gram Panchayat / Nagar Palika / Maha Nagar Palika where the Loan account holder is residing needs to be specified. This field is mandatory. 17. Pin Code* Exact pin code for the loan account holder s residence needs to be specified. This field is mandatory. 18. Customer ID (CIF) Unique Customer ID of the Loan account holder allotted by Bank needs to be specified (If Applicable). 19. PACS Membership ID* In case of PACS, unique membership ID of the loan account holder needs to be specified. Commercial/Nationalize banks should indicate Not Applicable (N.A). This field is mandatory. Loan Details 20. Fresh / Restructured* Value of Fresh : Fresh loans which were disbursed between to and which were NOT restructured later on at any point of time. Value of Restructured : Fresh loans which were disbursed between to and which were restructured later on at any point of time. This field is mandatory. 21. Loan Type (Medium-term/Short Term Crop Loan)* Value of Medium-Term or Short Term Crop Loan describing type of Loan taken as mentioned in the bank records needs to be specified. This field is mandatory. 22. Crop/Medium Term loan taken jointly (Y/N)* Value of Y/N needs to be specified, describing if the loan is taken jointly. If N, indicate NA in Column 23. For example, a loan of INR 70,000 is taken by two brothers who has age more than 18 years (X and Y) through a joint loan account. Bank has proportionated X and Y to 74

81 repay the loan amount in 60% and 40% respectively. If bank / PACS is filling the template for X for this CSMSSY 2017 scheme, shall select Y in column 22 and mention INR 42,000 in Column Share amount of joint loan If Crop/Medium Term Loan taken Jointly is Yes then this field is mandatory. 24. Purpose of loan* Purpose of loan needs to be specified as per Bank records. List of such categories is provided in the drop down menu in the template. This field is mandatory. 25. Tenure of loan in months in case of Term Loan (including moratorium)* In case of a term loan, tenure of the loan needs to be specified in months. This field is mandatory. 26. Loan Account Number* Unique Loan account number of the account holder needs to be specified. This field is mandatory. 27. Land Record Type* Provide land record type from dropdown menu. In case the loan is taken without considering the land, shall select other from dropdown menu. This field is mandatory. For example, farmer has taken loan for purchase of goat / sheep, shall select other from the dropdown menu. 28. Linked Gat No./ Survey Number of land owned* Unique Khate Kramank / Survey number of land owned by the owner linked with the loan account as per bank records needs to be specified. In case, other is selected in Column 27, shall indicate Not Applicable. This field is mandatory. 29. District* This field is mandatory, needs to be specified. In case, other is selected in Column 27, shall indicate Not Applicable. 30. Taluka* This field is mandatory, needs to be specified. In case, other is selected in Column 27, shall indicate Not Applicable. 31. Village* This field is mandatory, needs to be specified. In case, other is selected in Column 27, shall indicate Not Applicable. 32. Linked Saving Account Number* Savings account linked to the loan account needs to be specified. In case of member of PACS, District Bank savings account number needs to be specified. This field is mandatory. 33. Date of Disbursement / Date of restructure (DD/MM/YYYY)* Date of Loan disbursement where fresh loan is granted/date of restructure on which the loan was restructured needs to be specified in <DD/MM/YYYY> format. This field is mandatory. 34. Due Date for the repayment (DD/MM/YYYY)* In case of crop loan, original due date of the loan taken needs to be specified. In case of Medium Term Loan / Restructured loans, due date for last instalment needs to be specified. This field is mandatory. 75

82 35. NPA (Y/N)* Value of Y or N needs to be specified describing if the Loan account has been in NPA status in bank records. This field is mandatory. If N, should indicate NA in column 36, 37 and NPA Date Date when the loan was marked as NPA by the bank needs to be specified in <DD/MM/YYYY> format. This field is mandatory in case the answer is Y in column Principal amount on date of NPA Principal amount due on the date of NPA needs to be specified. This field is mandatory in case the answer is Y in column Amount of Interest receivable on date of NPA Interest amount due on the date of NPA needs to be specified. This field is mandatory in case the answer is Y in column Loan Written off (Y/N)* Value of Y or N needs to be specified describing if the Loan account has been written off in bank records. This field is mandatory. If N, should indicate NA in column Loan Write-off Date Date when the loan was written off by the bank needs to be specified in <DD/MM/YYYY> format. This field is mandatory in case the answer is Y in column Loan Amount / Limit Sanctioned* Total Loan amount/limit sanctioned to the Farmer, as the case may be, needs to be specified. This field is Mandatory. 42. Loan Amount Disbursed / Restructured Amount (A)* Total Loan amount disbursed/restructured to the Farmer, as the case may be, needs to be specified. This field is Mandatory. 43. Interest Payable on Due date (B)* Interest payable by the farmer on due date needs to be specified. This field is Mandatory. 44. Total Amount Payable on due date (A+B)* Total amount payable by the farmer on due date which includes principal amount and interest amount needs to be specified. This field is mandatory. (Sum of Column 42 and 43) 45. Amount of Principal repaid (X)* If the Loan account is fully repaid, exact amount in rupees repaid towards Principal needs to be specified. This field is mandatory. 46. Amount of Interest repaid (Y)* If the Loan account is fully repaid, exact amount in rupees repaid towards interest needs to be specified. This field is mandatory. 47. Total Amount Repaid (X+Y)* This column should be the sum of column 45 and Fully Repaid (Y/N)* 76

83 Value of Y or N describing if the Loan account has been fully repaid needs to be specified. This field is mandatory. 49. Date of Full Repayment Date at which the account holder has fully repaid the amount needs to be specified in <DD/MM/YYYY> format. This field is mandatory in case Fully Repaid flag is set to Y. 50. Overdue (Y/N)* Value of Y or N describing if the Loan account is in overdue status in bank records, needs to be specified. This field is mandatory. If N, should indicate NA in column 51, 52, 53, 54, 55 and Overdue amount as on 30 June 2016 of Principal/Restructured instalments of loans (P) Overdue amount towards principal/restructured instalments of the loan account as of as per bank records needs to be specified. This field is mandatory in case Overdue flag is set to Y. 52. Overdue amount of interest as on 30 June 2016 on loan/residual restructured loan (Q) Overdue amount towards interest on loan/ residual restructured loan as of as per bank records needs to be specified. This field is mandatory in case Overdue flag is set to Y. 53. Total overdue as on 30 June 2016 (P + Q) This field will be the sum of column 51 (P) and 52 (Q) 54. Overdue amount as on 31 July 2017 of Principal/Restructured instalments of loans (R) Overdue amount towards principal/restructured instalments of the loan account as of as per bank records needs to be specified. This field is mandatory in case Overdue flag is set to Y. 55. Overdue amount of interest as on 31 July 2017 on loan/residual restructured loan (S) Overdue amount towards interest on loan/ residual restructured loan as of as per bank records needs to be specified. This field is mandatory in case Overdue flag is set to Y. 56. Total overdue as on 31 July 2017 (R + S) This field will be the sum of column 54 (R) and 55 (S). 57. Amount of balance instalments of restructured loans as on 31 July 2017 Provide balance amount of instalment of restructured loan as on Other Information 58. Loan Guarantor Name (if present) (First - Middle - Last Name) If mentioned in bank records against this loan account, exact name of the Loan Guarantor needs to be specified. Exact full name in the format <F name M name L name> needs to be specified. 59. Loan Co-Applicant Name (if present) (First - Middle - Last Name) 77

84 If mentioned in bank records against this loan account, exact name of the Loan Co- Applicant needs to be specified. Exact full name in the format <F name M name L name> needs to be specified. 60. Loan Nominee Name (if present) (First - Middle - Last Name) If mentioned in bank records against this loan account, exact name of the Loan Nominee needs to be specified. Exact full name in the format <F name M name L name> needs to be specified. 61. Wilful Defaulter (Y/N) Select Y/N from the dropdown 62. Fraud (Y/N) Select Y/N from the dropdown 63. Disputes pending before court (Y/N) Select Y/N from the dropdown 64. Any Other Loan Account exists for self /family (Y/N) * Select Y/N from the dropdown if any other loan accounts holding by the applicant and its immediate family member. If N, shall indicate Not Applicable in Column Any other loan accounts number (Self/Family) Any other loan account holding by the applicant and its immediate family member shall specify the account number. This field is mandatory in case Column 64 is set to Y. 66. Additional Remarks Shall indicate any additional remarks if applicable. 78

85 Annexure 2.11 Term Loan to be excludedfrom below List Sl. No. Particulars 1 Any loan due more than 84 months 2 Loan to small and marginal farmers for purchase of land for Agri. purpose 3 Loan on pledge/hypo. Of Agri. Produce (including warehouse receipts) 4 Loan for construction of cold storage units/ cold storage chain to store Agri. produce 5 Soil conservation watershed development 6 Plant tissue culture and Agri. biotechnology, seed production, production of biopesticides, bio-fertilizer and vermi composting 7 Agri-clinics and Agri-business centres 8 Loan for food and agro processing 9 10 Bank loans to primary agricultural credit societies (PACS), farmers service societies (FSS), large sized Adivasi multi-purpose societies (LAMPS) Loan sanctioned by banks to Micro Finance Institutions (MFI) for on lending to Agriculture sector 11 Loan given by money lender to farmer 12 Loan given for corporate/company farming 13 Other farming development loan 14 Farmer house and construction loan 15 Loan given for farming on agreement 16 Loan for motor car and motor cycle 17 Loan taken against securities such as Gold, Fixed Deposits and bonds etc. 79

86 Agenda No. 3 Financial Inclusion A) Pradhan Mantri Jan Dhan Yojana (PMJDY) The scheme has been implemented in Maharashtra State and was a great success as all the banks in the state participated in the scheme wholeheartedly. The State has been covered for the purpose of opening of account of at least one member per family. However, the process of opening of accounts continues for left over families if any. As of , Banks in Maharashtra have opened 2.07 crore accounts of which 1.04 crore accounts are from Rural area. Balance in PMJDY accounts is to the tune of Rs. 3,753 crore. No. of RuPay cards issued is 1.47 crore and 1.69 crore accounts have been seeded with Aadhaar number. However, it is important to issue all the balance number of RuPay cards on top priority basis. Similarly, it is important to spread awareness about use of RuPay card at least once in every 90 days by each account holder so that he continues to get the benefit of accident insurance. A camp mode approach may be adopted for the same. All Banks are requested to ensure that all their Bank Mitras are equipped with latest RuPay Card Enabled Micro ATMs (PoS machines). Representatives of Banks may visit the Bank Mitras and carry out transactions using their own RuPay cards to ensure smooth working of the entire process. Bank wise position of active bank mitras in Maharashtra as of is attached herewith as Annexure 3.1. It is also important to seed the accounts with Aadhaar numbers as it will prove beneficial to the customers for direct benefit transfer under various government schemes including LPG subsidy. District wise / Bank wise progress under PMJDY as on is enclosed as Annexure 3.2 & 3.3. B) Pradhan Mantri MUDRA Yojana (PMMY) Under the Pradhan Mantri MUDRA Yojana (PMMY), there are 3 types of loans i.e. Shishu, Kishore and Tarun. Achievement as of for the State of Maharashtra under all three categories of loans is given herebelow. District wise and Bank wise details as per Annexure 3.4 and 3.5 attached herewith. Rs. in crore State No Of A/Cs Shishu Kishore Tarun Total Disb. Amt No Of A/Cs Disb. Amt No Of A/Cs Disb. Amt No Of A/Cs Disb. Amt Maharashtra

87 PMMY Targets Department of Financial Services, Ministry of Finance, Government of India, New Delhi vide communication no. 27 / 01 / 2015-CP / RRB part (PMMY) dtd has informed targets for the year for PSBs and RRBs sponsored by them. As basis for these targets is pan India and as such SLBC Maharashtra vide communications dtd and had requested all member banks (PSBs) to inform district wise targets for the State of Maharashtra for onward submission to MUDRA Ltd., Mission MUDRA, New Delhi and Government of Maharashtra. This exercise was to be completed by However, we regret to note that so far only 5 member banks have responded with requisite data. We request all other PSBs to submit district wise targets for the State of Maharashtra immediately. These PSBs have been reminded again vide dtd for submission of data. C) Stand Up India Government of India has formally launched Stand Up India Scheme on To facilitate bank loans between Rs.10 lakh to Rs. 1 crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch for setting up a new enterprise; also known as a Greenfield Enterprise. Progress as of since inception of the scheme is as under: Acc Sanctions Amt (Rs. Lakh) Disbursements No. of Borrowers Target Achmnt Amt (Rs. Lakh) 2,998 68,776 22,890 2,152 37,444 District wise and Bank wise data on sanctions and disbursements since inception of Stand Up India Scheme is attached as Annexure 3.6 and 3.7. D) Atal Pension Yojana (APY) With a view to bring the economically disadvantaged section of the society in the organized sector within pension fold or old age income security coverage, Government of India had launched Atal Pension Yojana in May In order to expand the outreach of APY across the country, banks and post offices are involved in the registration of subscribers under APY. As on date more than 58.5 lakh subscribers have been registered under the scheme. Officials from Pension Fund Regulatory and Development Authority of India (PFRDA), nodal agency for APY, are requested to apprise the house about the status of implementation of the scheme in Maharashtra. 81

88 E) Pradhan Mantri Jeevan Jyoti Beema Yojana (PMJJBY) & Pradhan Mantri Suraksha Beema Yojana (PMSBY) Pradhan Mantri Jeevan Jyoti Beema Yojana offers Life Insurance coverage of Rs.2 lakhs for any savings bank holders in the age group of years on payment of just Rs.330/- per year. This scheme is offered through LIC of India or other Life Insurance companies that offer life insurance on similar terms. Pradhan Mantri Suraksha Beema Yojana is designed to provide insurance coverage in case of accidental death or disability. It provides insurance coverage of Rs.2 lakhs for individuals on payment of just Rs.12/- per annum. This scheme can benefit all the savings bank account holders in the age group of years. Public sector general insurance companies or other general insurance companies that offer insurance coverage to individuals on similar terms would offer and administer this scheme. The scheme is delivered through banks including regional rural banks as well as cooperative banks. District wise progress of enrollment in respect of PMJJBY (33.21 lakh) & PMSBY (76.16 lakh) in the State of Maharashta as of provided by Department of Financial Services, Ministry of Finance, New Delhi is attached as Annexure 3.8. F) Aadhaar Enrollment through Banks Government of India has amended Money-laundering (Maintenance of Record) Rules 2005, with effect from June 2017 to require Aadhaar for every bank account. It is further notified by the Government that all existing bank accounts have to be verified with aadhar by the banks by 31/12/2017 failing which the account will become inoperative. To facilitate Aadhaar enrolment, UIDAI has amended the Aadhaar (Enrolment and update) Regulation and has issued a notification thereunder providing that every Scheduled Commercial Banks to set up Aadhaar Enrollment Centers and update facility at the branch premises at minimum of 1 out of 10 branches by Accordingly banks have identified branches for setting up of Aadhaar Enrollment Centers. To facilitate operations of these centres, UIDAI conducted workshops for Master Trainers from all banks on , , & These master trainers will in turn train more persons from their banks. Designated Lead District Managers coordinated these workshops. Copies of related communications from UIDAI to PSBs and Private Sector Banks as well as PMLA Amendment June 2017 are attached herewith as Annexures 3.9, 3.10 and 3.11 respectively. 82

89 Annexure 3.1 MAHARASHTRA - ACTIVE BANK MITRAS AS ON S.No Banks Type of Bank No of SSA Allotted SSA Covered through BM SSA Covered through Branch No of SSA No of Active Uncovered BM EKYC devices Rupay Card enable devices AEPS devices 1 Allahabad Bank PSB Andhra Bank PSB Axis Bank Ltd PVT Bank of Baroda PSB Bank of India PSB Bank of India RRB Bank of Maharashtra PSB Bank of Maharashtra RRB Canara Bank PSB Central Bank of India PSB Corporation Bank PSB Dena Bank PSB Federal Bank Ltd PVT HDFC Bank Ltd PVT ICICI Bank Ltd PVT IDBI Bank Ltd. PSB Indian Bank PSB Indian Overseas Bank PSB Oriental Bank of Commerce PSB Punjab & Sind Bank PSB Punjab National Bank PSB RBL Bank Ltd PVT State Bank of India PSB Syndicate Bank PSB UCO Bank PSB Union Bank of India PSB Vijaya Bank PSB GT

90 Annexure 3.2 Maharashtra State PMJDY Data As on Sr.No. District Rural A/C Urban A/C Male A/C Female A/C Total A/C Aadhaar Seeded Rupay Card Issued No. Actual / Amount in Crore Zero Balance Account Total Deposit in Accounts 1 Ahmednagar Akola Amravati Aurangabad Bhandara Beed Buldana Chandrapur Dhule Gadchiroli Gondia Hingoli Jalgaon Jalna Kolhapur Latur Mumbai Mumbai Suburban Nagpur Nanded Nandurbar Nashik Osmanabad Parbhani Pune Raigad Ratnagiri Sangli Satara Sindhudurg Solapur Thane Wardha Washim Yavatmal Total 10,384,899 10,321,381 10,491,680 10,214,600 20,706,280 16,927,168 14,677,490 5,936,526 3, % 70.88% 28.67% 84

91 Annexure 3.3 Maharashtra State PMJDY Data As on Sr.No. Bank Rural A/C Urban A/C Male A/C Female A/C Total A/C Aadhaar Seeded Rupay Card Issued No. Actual / Amount in Crore Zero Balance Account Total Deposit in Accounts 1 Allahabad Bank Andhra Bank Axis Bank Ltd Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India City Union Bank Ltd Corporation Bank Dena Bank Federal Bank Ltd HDFC Bank Ltd ICICI Bank Ltd IDBI Bank Ltd Indian Bank Indian Overseas Bank IndusInd Bank Ltd Jammu & Kashmir Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Lakshmi Vilas Bank Ltd Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank RBL Bank Ltd South Indian Bank Ltd State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Yes Bank Ltd Total 10,384,899 10,321,381 10,491,680 10,214,600 20,706,280 16,927,168 14,677,490 5,936,526 3, % 70.88% 28.67% 85

92 Annexure 3.4 Bank TyALL Scheme : ALL State : Maharasht Financial Ye Bank : ALL Category : ALL District : ALL Data Till Da Sr No State/District Maharashtra No Of A/Cs Shishu Kishore Tarun Total Sanctioned Amt Disbursemen t Amt No Of A/Cs Sanctioned Amt Disbursemen t Amt No Of A/Cs Sanctioned Amt Disbursemen t Amt No Of A/Cs [Amount Rs. in Crore] Sanctioned Amt Disbursemen t Amt 1 Ahmednagar Akola Amravati Aurangabad Beed Bhandara Buldhana Chandrapur Dhule Gadchiroli Gondia Hingoli Jalgaon Jalna Kolhapur Latur Mumbai Mumbai Suburban Nagpur Nanded Nandurbar Nashik Osmanabad Palghar Parbhani Pune Raigad Ratnagiri Sangli Satara Sindhudurg Solapur Thane Wardha Washim Yavatmal Total

93 Annexure 3.5 Bank Type : ALL State : Maharas htra Financial Year : Bank : ALL Scheme : ALL Sr No Bank Type Name Bank Name Data Till Date : Shishu Kishore Tarun (Loans up to Rs. 50,000) (Loans from Rs. 50,001 to Rs Lakh) (Loans from Rs to Rs Lakh) [Amount Rs. in Crore] Total 1 No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt 1.1 State Bank of India Total State Bank of India Public Sector Commercial Banks 2.1 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 Syndicate Bank Union Bank of India United Bank of India Punjab & Sind Bank UCO Bank Vijaya Bank IDBI Bank Limited Total

94 Bank Type : ALL State : Maharas htra Financial Year : Bank : ALL Scheme : ALL Sr No Bank Type Name Bank Name Data Till Date : Shishu Kishore Tarun (Loans up to Rs. 50,000) (Loans from Rs. 50,001 to Rs Lakh) (Loans from Rs to Rs Lakh) [Amount Rs. in Crore] Total No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt 3 Private Sector Commercial Banks 3.1 Federal Bank Jammu & Kashmir Bank Karnataka Bank Karur Vysya Bank Ratnakar Bank ICICI Bank Axis Bank IndusInd Bank Yes Bank HDFC Bank DCB Bank Kotak Mahindra Bank Bandhan Bank IDFC Bank Limited Total Foreign Banks 4.1 Citibank Standard Chartered Bank Total Regional Rural Banks 5.1 Maharashtra Gramin Bank Vidharbha Konkan Gramin Bank Total

95 Bank Type : ALL State : Maharas htra Financial Year : Bank : ALL Scheme : ALL Sr No Bank Type Name Bank Name Data Till Date : Shishu Kishore Tarun (Loans up to Rs. 50,000) (Loans from Rs. 50,001 to Rs Lakh) (Loans from Rs to Rs Lakh) [Amount Rs. in Crore] Total Micro Finance Institutions NON NBFC-Micro Finance Institutions NBFC-Micro Finance Institutions No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt Total Agora Microfinance India Ltd Pahal Financial Services Private Limited Annapurna Microfinance Pvt. Ltd Muthoot Microfin Ltd BSS Microfinance Disha Microfin Pvt. Ltd Samasta Microfinance Limited Spandana Sphoorty Financial Limited Grameen Koota Financial M Power Microfinance Pvt Ltd MADURA MICRO FINANCE LIMITED Chaitanya India Fin Credit Pvt Ltd SHARE MICROFIN LIMITED ASMITHA MICROFIN LIMITED

96 Bank Type : ALL State : Maharas htra Financial Year : Bank : ALL Scheme : ALL Sr No Bank Type Name Bank Name Data Till Date : Shishu Kishore Tarun (Loans up to Rs. 50,000) (Loans from Rs. 50,001 to Rs Lakh) (Loans from Rs to Rs Lakh) [Amount Rs. in Crore] Total 7.15 Belstar Investment and Finance Private Limited No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt Namra Finance Ltd SVATANTRA MICROFIN PRIVATE LIMITED JANALAKSHMI FINANCIAL SERVICES LIMITED Satin Creditcare Network Limited Navachetana Microfin Services Pvt Ltd Asirvad Microfinance Pvt. Ltd Intrepid Finance & Leasing Pvt. Ltd Fusion Microfinance Pvt. Ltd Hindusthan Microfinance Pvt. Ltd. Arohan Financial Services Pvt. Ltd SKS Microfinance Limited Total

97 Bank Type : ALL State : Maharas htra Financial Year : Bank : ALL Scheme : ALL Sr No Bank Type Name Bank Name Data Till Date : Shishu Kishore Tarun (Loans up to Rs. 50,000) (Loans from Rs. 50,001 to Rs Lakh) (Loans from Rs to Rs Lakh) [Amount Rs. in Crore] Total No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt 8 Non Banking Financial Companies 8.1 Reliance Capital Ltd CAPITAL FIRST LIMITED Total Small Finance Banks SURYODAY MICRO FINANCE LIMITED Ujjivan Small Finance Bank Total Grand Total

98 Annexure 3.6 SLBC Maharashtra : Convener - Bank of Maharashtra Stand Up India - Maharashtra Performance as of Sr. No. Bank Rs. In lakh Disbursements Sanctions No. of Borrowers Amt Acc Amt Target Achmnt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Bharatiya Mahila Bank XX XX XX XX XX 7 Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Ltd Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab and Sind Bank Punjab National Bank State Bank of Hyderabad XX XX XX XX XX 18 State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Sub Total Axis Bank Ltd Federal Bank HDFC Bank ICICI Bank Kotak Mahindra Bank Ltd Karnataka Bank Ltd Ratnakar Bank Ltd. 194 Sub Total RRB Maharashtra GB RRB Vidharbha Konkan GB Sub Total IndusInd Bank Total * Note - Data since inception 92

99 Annexure 3.7 SLBC Maharashtra : Convener - Bank of Maharashtra Sr. No. Bank Rs. In lakh Disbursements Sanctions No. of Borrowers Amt Acc Amt Target Achmnt 1 Ahmednagar Akola Amravati Aurangabad Beed Bhandara Buldhana Chandrapur Dhule Gadchiroli Gondia Hingoli Jalgaon Jalna Kolhapur Latur Mumbai City Mumbai Suburban Nagpur Nanded Nandurbar Nashik Osmanabad Palghar Parbhani Pune Raigad Ratnagiri Sangli Satara Sindhudurg Solapur Thane Wardha Washim Yavatmal Total * Note - Data since inception Stand Up India - Maharashtra Performance as of

100 Annexure 3.8 PMSBY & PMJJBY Enrollment as of No. Actual Sr. No. District PMSBY PMJJBY 1 Ahmednagar 236, ,853 2 Akola 108,427 31,854 3 Amravati 169,019 45,643 4 Aurangabad 186,309 90,310 5 Beed 90,942 33,857 6 Bhandara 114,063 46,029 7 Buldana 93,692 21,640 8 Chandrapur 131,256 37,851 9 Dhule 117,345 56, Gadchiroli 42,732 20, Gondia 81,582 26, Hingoli 31,356 11, Jalgaon 280, , Jalna 77,111 35, Kolhapur 327, , Latur 102,555 41, Mumbai 722, , Mumbai Suburban 623, , Nagpur 436, , Nanded 205,613 51, Nandurbar 35,363 16, Nashik 331, , Osmanabad 64,011 21, Parbhani 65,047 23, Pune 923, , Raigad 220,715 81, Ratnagiri 121,887 42, Sangli 196,077 70, Satara 148,073 71, Sindhudurg 75,535 27, Solapur 222,214 96, Thane 785, , Wardha 103,307 30, Washim 30,222 6, Yavatmal 114,470 29,723 Total 7,615,780 3,321,549 94

101 Annexure

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111 Annexure 3.11 jftlvªh laö REGD. NO. D. L /99 vlk/kj.k EXTRAORDINARY Hkkx II [k.m 3 mi&[k.m (i) PART II Section 3 Sub-section (i) izkf/dkj ls izdkf'kr PUBLISHED BY AUTHORITY la- 439] ubz fnyyh] c``glifrokj] twu 1] 2017@T;"sB 11] 1939 No. 439] NEW DELHI, THURSDAY, JUNE 1, 2017/ JYAISTHA 11, 1939 व य लय (र जस व वभ ग) अ धस चन नई दल ल, 1 ज न, 2017 स.क. न. 538(अ). क न लय सरक रय भ रत लय रजवर ब क क पर मशर स धन-श धन नव रण अ ध नयम, 2002 (2003 क 15) क ध र 73 क उप-ध र (2) क ख ड (ज), ख ड (झ), ख ड (ञ) और ख ड (ट) क यस थयप तयउप-ध र य(1)य र य द यश ल यक य ल गयकरत ह ए धन-श धन नव रण (अ भल ख यक यअन रक षण) नयम, 2005 क और स श धन करन क लए न खतय नल यबन त यह, अथ र त : 1. य(1)य नय नल यक यस क ष यन यधन-श धनय नव रणय(अ भ ख यक यअन रक षण) द सर नयम, 2017 ह (2) य यर जप य उनक य क शनयक यत र खयक य व यह ग 2. धन-श धन नव रण (अ भल ख यक यअन रक षण) नयम, 2005 म, (क) नयम 2 क उप- नयम (1) म, (i) ख ड (कक) क यप त य न खतयख ड अन त स थ पत कए ज ए ग, अथ र त : (ककक) आध र स ख य स यआध रय( व लयऔरयअन लयसह ल कल,य लद यऔरयस व यक य लतय प रद न), अ ध नयम, 2016 क ध र 2 क उप-ध र (क) क अध न यथ प रभ षत पहच न स ख य अ भ त ह ; (ककख)य अ ध णन यस यआध रय( व लयऔरयअन लयसह ल कल,य लद यऔरयस व यक य लतय प रद न), अ ध नयम, 2016 क ध र 2 क उप-ध र (ग) क य अध नय लथ य प रभ षतय ल य अ भ त ह ; 3498 GI/2017 (1) 105

112 2 THE GAZETTE OF INDIA : EXTRAORDINARY [PART II SEC. 3(i)] (ककग) नव स स आध र ( व य और अन य सह य कय, फ यद और स व क ल यत प रद न), अ ध नयम, 2016 क ध र 2 क उप-ध र (फ) क अध न यथ प रभ षत अ भ त ह ; (ककघ) पहच न स चन स आध र ( व य और अन य सह य कय, फ यद और स व क ल यत प रद न), अ ध नयम, 2016 क ध र 2 क उप-ध र (ढ) क अध न यथ प रभ षत स चन अ भ त ह ; (ककड ) ई-अपन हक ज नए अ ध म न स वध स आध र (अ ध म न) व नयम, 2016 म यथ प रभ षत अ ध म न स वध अ भ त ह ; (ककच) ह नह अ ध म न स वध स आध र (अ ध म न) व नयम, 2016 म यथ प रभ षत अ ध म न स वध अ भ त ह ; (ii) ख ड (घ) क प सप टर च लन अन स आरम भ ह न व ल भ ग और व नय मक क पर मशर स सम ह न व ल भ ग क स थ न पर न ल खत रख ज एग, अथ र त : प सप टर, च लन अन, भ रत नव र चन आय ग र ज र मतद त पहच न प, र य सरक र क कस अ धक र र सम यकत हस त त नर ग र ज र ज ब क डर, र य जनस ख य र जस टर, जसम न म, पत क ब य र ह य क ई अन य दस त व ज, ज व नय मक क पर मशर स क न य सरक र र अ धस चत कय गय ह, र ज र प (ख) नयम 9 म, उप- नयम (4) स उप- नयम (9) क स थ न पर न ल खत उप- नयम रख ज ए ग, अथ र त : (4) जह हक क ई ऐस ह, ज आध र स ख य क लए न म कत कए ज न क लए प ह वह वह उप- नयम (1) क य जन क लए रप टर करन व ल अ स तत व क, (क) भ रत य व श पहच न धकर र ज र आध र स ख य ; और (ख) आयकर नयम, 1962 म यथ प रभ षत स थ य ल ख स ख य क य र प स ख य 60, और ऐस अन य दस त व ज, जनक अन तगर त हक क क रब र क क त और व य स थ त क सम बन ध म दस त व ज भ ह, ज रप टर करन व ल अ स तत व र अप त ह, स त त कर ग : पर त जह क ई आध र स ख य हक क समन द शत नह क गई ह वह हक आध र क लए न म कन क आव दन क सब त द ग और य द स थ य ल ख स ख य क स त त नह कय ज त ह त श सक य र प स व धम न य दस त व ज क एक म त त स त त क ज एग : पर त यह और क उप- नयम (1) क ख ड (ख) क अन तगर त आन व ल हक र फ ट फ स त त कय ज न आव यक नह ह (4क) जह हक क ई ऐस ह ज आध र स ख य क लए न म कत ह न क लए प नह ह वह वह उप- नयम (1) क य जन क लए रप टर करन व ल अ स तत व क आयकर नयम, 1962 म यथ प रभ षत स थ य ल ख स ख य क य र प स ख य क 60 स त त कर ग : पर त य द हक स थ य ल ख स ख य क स त त नह करत ह त वह अपन पहच न और पत क ब य र अन त वर करन व ल श सक य र प स व धम न य दस त व ज क एक म त त, ह ल ह म ख च गए एक फ ट फ क त और ऐस अन य दस त व ज, जनक अन तगर त हक क क रब र क क त और व य स थ त क सम बन ध म दस त व ज भ ह, ज रप टर करन व ल अ स तत व र अप त ह, स त त कर ग (5) उप- नयम (4) और उप- नयम (4क) म कस ब त क ह त ए भ, क ई, ज कस ब कक र क पन म अल प ख त ख लन क व छ करत ह, स वत अन म त फ ट फ क स त त कए ज न पर और ख त ख लन क लए 106

113 ¹Hkkx IIμ[k.M 3(i)º Hkkjr dk jkti=k % vlk/kj.k 3 र प पर, यथ स थ त, हस त क षर कए ह य अ ग ठ नश न लग न पर ऐस ख त ख लन क लए अन ज ञ त कय ज एग : पर त (i) (ii) (iii) (iv) अल प ख त ख लत समय ब कक र क पन क क ई पद भह त अ धक र अपन हस त क षर स यह म णत करत ह क ख त ख लन व ल न उसक उप स थ त म, यथ स थ त, अपन हस त क षर कए ह य अ ग ठ नश न लग दय ह ; अल प ख त म ख य ब कक र सम ध न सम ब क पन क श ख म य कस ऐस श ख म, जह इस श र रक र प स म न टर करन स भव ह, ख ल ज एग और यह स चत कय ज एग क वद श षण अल प ख त म जम नह कए ज त ह और ऐस ख त म स वह र क म सक तथ व षर क स वह र क क लय ग और अ तश ष सम बन ध नयत स म क ऐस स वह र कए ज न क लए अन ज ञ त ह न स प वर भ ग नह कय ज त ह ; अल प ख त आरम भ म ब रह म स क अव ध क लए और उसक प त ब रह म स क अ त र अव ध क लए वतर नश ल रह ग य द ऐस ख त ध रक उ ख त क ख लन क ब रह म स क भ तर श सक य र प स व धम न य दस त व ज म स कस दस त व ज क लए ब कक र क पन क समक ष आव दन कए ज न क स य च ब स म स क प त, उ ख त क ब बत प न वर ल कन कए ज न व ल सम प णर श थल करण वषक उपब ध क स थ उपलब ध कर त ह ; अल प ख त क म न टर कय ज एग और जब धन श धन य आत क क व प षण य अन य कस ज खम द श यल ख क ब र म स द ह ह त हक क पहच न उप- नयम ( ) म यथ न दर श सक य र प स व धम न य दस त व ज क उसक स त त करण क म ध यम स और हक क आध र स ख य य जह आध र स ख य हक क समन द शत नह कय गय ह वह श सक य र प स व धम न य दस त व ज क स थ आध र क लए न म कन ह त आव दन क सब त क स त त करण क म ध यम स स बत क ज एग ; पर त यह और क य द हक आध र स ख य क लए न म कत ह न क लए प नह ह त हक क पहच न श सक य र प स व धम न य दस त व ज क स त त करण क म ध यम स स बत क ज एग (v) वद श व षण क अल प ख त म जम कए ज न क लए तब तक अन ज ञ त नह कय ज एग तब तक क हक क पहच न उप- नयम ( ) म न दर श सक य र प स व धम न य दस त व ज क स त त करण क म ध यम स और हक क आध र स ख य य जह आध र स ख य हक क समन द शत नह क गई ह वह श सक य र प स व धम न य दस त व ज क स थ आध र क लए न म कन ह त आव दन क सब त क स त त करण क म ध यम स प णर त स बत नह कर दय ज त ह : पर त यह क य द हक आध र स ख य क लए न म कत ह न क लए प नह ह त हक क पहच न श सक य र प स व धम न य दस त व ज क स त त करण क म ध यम स स बत क ज एग (6) जह हक क पन ह वह उप- नयम (1) क य जन क लए वह न ल खत क म णत तय रप टर करन व ल अ स त व क स त त कर ग : (i) (ii) (iii) (iv) नगमन क म णप ; स गम क ज ञ पन और अन छ द; नद शक ब डर स स कल प और उसक ब धक, अ धक रय य कमर च रय क उसक र स स वह र करन क लए द न कय गय म ख त रन म ; (क) आध र स ख य ; 107

114 4 THE GAZETTE OF INDIA : EXTRAORDINARY [PART II SEC. 3(i)] (ख) आयकर नयम, 1962 म यथ प रभ षत स थ य ल ख स ख य क य र प 60, ज क पन क ओर स स वह र करन क लए कस म ख त रन म रखन व ल ब धक, अ धक रय य कमर च रय क ज र कय गय ह य जह आध र स ख य समन द शत नह क ग ह वह आध र क न म कन ह त आव दन क सब त और य द स थ य ल ख स ख य क स त त नह कय ज त ह त श सक य र प स व धम न य दस त व ज स त त कय ज एग : पर त इस ख ड क य जन क लए, य द क पन क ओर स स वह र करन क लए म ख त रन म रखन व ल ब धक, अ धक र य य कमर च र आध र स ख य क लए न म कत कए ज न ह त प नह ह और व स थ य ल ख स ख य क स त त नह करत ह त श सक य र प स व धम न य दस त व ज क म त त स त त क ज एग (7) जह हक भ ग द र मर ह वह वह उप- नयम (1) क य जन क लए रप टर करन व ल अ स तत व क न ल खत दस त व ज क म त तय स त त कर ग : (i) र जस कर म प ; (ii) भ ग द र वल ख; और (iii) (क) आध र स ख य ; और (ख) आयकर नयम, 1962 म यथ प रभ षत स थ य ल ख स ख य क य र प स. 60, ज उसक ओर स स वह र करन क लए म ख त रन म रखन व ल य क ज र कय गय ह य जह आध र स ख य समन द शत नह क ग ह वह आध र क लए न म कन ह त आव दन क सब त और य द स थ य ल ख स ख य क स त त नह कय ज त ह त श सक य र प स व धम न य दस त व ज स त त कय ज एग : पर त इस ख ड क य जन क लए, य द क पन क ओर स स वह र करन क लए म ख त रन म रखन व ल आध र स ख य क लए न म कत कए ज न ह त प नह ह और व स थ य ल ख स ख य क स त त नह करत ह त श सक य र प स व धम न य दस त व ज क म त त स त त क ज एग (8) जह हक न य स ह वह वह उप- नयम (1) क य जन क लए रप टर करन व ल अ स तत व क न ल खत दस त व ज क म त तय स त त कर ग : (i) र जस कर म प ; (ii) न य स वल ख; और (iii) (क) आध र स ख य ; और (ख) आयकर नयम, 1962 म, यथ प रभ षत स थ य ल ख स ख य क य र प स. 60, ज उसक ओर स स वह र करन क लए म ख त रन म रखन व ल क ज र कय गय ह य जह आध र स ख य समन द शत नह क ग ह वह आध र क लए न म कन ह त आव दन क सब त और य द स थ य ल ख स ख य क स त त नह कय ज त ह त श सक य र प स व धम न य दस त व ज स त त कय ज एग : पर त इस ख ड क य जन क लए, य द क पन क ओर स स वह र करन क लए म ख त रन म रखन व ल आध र स ख य क लए न म कत कए ज न ह त प नह ह और वह स थ य ल ख स ख य क स त त नह करत ह त श सक य र प स व धम न य दस त व ज क म त त स त त क ज एग (9) जह हक क अ नग मत स गम य य क नक य ह वह वह न ल खत दस त व ज क म त तय रप टर करन व ल अ स तत व क भ ज ग : (i) ऐस स गम य य क ब ध नक य क स कल प; (ii) उसक ओर स स वह र करन क लए उस अन म ख त रन म ; (iii) (क) आध र स ख य ; 108

115 ¹Hkkx IIμ[k.M 3(i)º Hkkjr dk jkti=k % vlk/kj.k 5 (ख) आयकर नयम, 1962 म, यथ प रभ षत स थ य ल ख स ख य क य र प स. 60, ज उसक ओर स स वह र करन क लए म ख त रन म रखन व ल क ज र कय गय ह य जह आध र स ख य समन द शत नह क गई ह वह आध र क लए न म कन ह त आव दन क सब त और य द स थ य ल ख स ख य क स त त नह कय ज त ह त श सक य र प स व धम न य दस त व ज स त त कय ज एग ; और (iv) ऐस स चन, ज ऐस स गम य य क नक य क व धक अ स तत व क स म हक र प स स थ पत करन क लए रप टर करन व ल अ स तत व र अप क षत ह : पर त इस ख ड क य जन क लए, य द क पन क ओर स स वह र करन क लए म ख त रन म रखन व ल आध र स ख य क लए न म कत कए ज न ह त प नह ह और व स थ य ल ख स ख य क स त त नह करत ह त श सक य र प स व धम न य दस त व ज क म त त स त त क ज एग (ग) उप- नयम 14 क प त, न ल खत उप- नयम अन त स थ पत कए ज ए ग, अथ र त :- (15) क ई रप टर करन व ल अ स तत व इस नयम क उपब ध क अध न आध र स ख य क क समय, भ रत य व श पहच न धकर र द न कए गए य त ई-अपन हक ज नए अ ध म न स वध य ह /नह अ ध म न स वध क उपय ग करत ह ए अ ध म न कर ग (16) य द नयम 9 क उप- नयम (4) स उप- नयम (9) म न दर हक जम म -कश म र, असम य म घ लय र ज य क नव स नह ह य नव स ह और स थ य ल ख स ख य क स त त नह करत ह, हक श सक य प स व धम न य दस त व ज क म त त रप टर करन व ल अ स तत व क स त त कर ग जसम उसक पहच न तथ पत क ब य र, ह ल ह म ख च गए एक फ ट फ और ऐस अन य दस त व ज, जनक अन तगर त हक क क रब र क क त और व य स थ त क सम बन ध म अन य दस त व ज भ ह, जनक रप टर करन व ल अ स तत व र अप क ष क ज ए (1 ) (क) य द हक आध र क लए न म कत कए ज न ह त प ह और नयम 9 क उप- नयम (4) स उप- नयम (9) म न दर स थ य ल ख स ख य क करत ह, आध र स ख य य स थ य ल ख स ख य क रप टर करन व ल अ स तत व क स थ सम बन ध पर आध रत ख त क रम भ क समय स त त नह करत ह, हक ख त आध रत सम बन ध क रम भ क त र ख स छह म स क अव ध क भ तर उस स त त कर ग : पर त आध र क लए न म कत कए ज न क लए प हक इस अ धस चन क त र ख स प वर रप टर करन व ल अ स तत व क स थ पहल स ह सम बन ध आध रत ख त रखत ह ए स थ य ल ख स ख य क करत ह, हक 1 दसम बर, 201 तक आध र स ख य और स थ य ल ख स ख य क स त त कर ग (ख) आध र (न म कन और अ तन) व नयम, 2016 क व नयम 12 क अन स र र ज य सरक र य स घ र ज य क ष श सन म स थ न य धकर आध र न म कन क लए भ रत य व श पहच न धकर र जस ट र बन गए ह य बनन क य म ह और भ रत य व श पहच न धकर क पर मशर स स वध जनक अवस थ न पर न म कन स वध ए द न करन क लए वश ष आध र न म कन श वर आय जत कर रह ह और इस नयम म यथ उपब धत ख त आध रत सम बन ध रम भ करन क इच छ क क ई भ, जसक प स आध र स ख य नह ह य आध र क लए न म कत नह कर य ह, आध र न म कन क लए य भ रत य व श पहच न धकर क व म न र जस ट र क अड़ स-पड़ स म आध र न म कन क न म स कस भ क न पर ज सकत ह (ग) य द हक प व छह म स क अव ध क भ तर आध र स ख य और स थ य ल ख स ख य क स त त करन म असफल रहत ह त उ ख त हक र आध र स ख य और स थ य ल ख स ख य क स त त कए ज न तक वतर न म नह रह ग (18) य द नयम 9 क उप- नयम (4) स उप- नयम (9) म न दर हक र स त त आध र स ख य य स थ य ल ख स ख य क स सम ब न धत पहच न स चन म हक क वतर म न पत नह ह त हक रप टर करन व ल अ स तत व क श सक य र प स व धम न य दस त व ज स त त कर ग [अ धस चन स. 2/फ. स. प /11/2016-ईएस स ल-ड ओआर] म द प क र, उप-स चव 109

116 6 THE GAZETTE OF INDIA : EXTRAORDINARY [PART II SEC. 3(i)] टप पण म ल नयम भ रत क र जप, अस ध रण, भ ग II, ख ड 3, उपख ड (i) स.क. न. स. 444(अ), 1 ज ल ई, 2005 र क शत क ग थ और त प त उनम स.क. न. 717(अ), त र ख 13 दसम बर, 2005, स.क. न. 389(अ), त र ख 24 मई, 2007, स.क. न. 816(अ), त र ख 12 नवम बर, 2009, स.क. न. 76(अ), त र ख 12 फरवर, 2010, स.क. न. 508(अ), त र ख 16 ज न, 2010, स.क. न. 980(अ), त र ख 16 दसम बर, 2010, स.क. न. 481(अ), त र ख 24 ज न, 2011, स.क. न. 576(अ), त र ख 27 अगस त, 2013, स.क. न. 288(अ), त र ख 15 अ ल, 2015, स.क. न. 544(अ), त र ख 7 ज ल ई, 2015, स.क. न. 693(अ), त र ख 11 सतम बर, 2015, स.क. न. 730(अ), त र ख 22 सतम बर, 2015, स.क. न. 882(अ), त र ख 18 नवम बर, 2015 और स.क. न. 347(अ), त र ख 12 अ ल, 2017 र स श धन कय गय थ MINISTRY OF FINANCE (Department of Revenue) NOTIFICATION New Delhi, the 1st June, 2017 G.S.R. 538(E). In exercise of the powers conferred by sub-section (1) read with clause (h), clause (i), clause (j) and clause (k) of sub-section (2) of section 73 of the Prevention of Money-laundering Act, 2002 (15 of 2003), the Central Government in consultation with the Reserve Bank of India hereby makes the following further amendments to the Prevention of Money-laundering (Maintenance of Records) Rules, 2005, namely: 1. (1) These rules may be called the Prevention of Money-laundering (Maintenance of Records) Second Amendment Rules, (2) They shall come into force on the date of their publication in the Official Gazette. 2. In the Prevention of Money-laundering (Maintenance of Records) Rules, 2005, (a) in rule 2, in sub-rule (1),- (i) after clause (aa), following clauses shall be inserted, namely: (aaa) "Aadhaar number" means an identification number as defined under sub-section (a) of section 2 of the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016; (aab) authentication means the process as defined under sub-section (c) of section 2 of the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016; (aac) Resident means an individual as defined under sub-section (v) of section 2 of the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016; (aad) identity information means the information as defined in sub-section (n) of section 2 of the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016; (aae) e KYC authentication facility means an authentication facility as defined in Aadhaar (Authentication) Regulations, 2016; (aaf) Yes/No authentication facility means an authentication facility as defined in Aadhar (Authentication) Regulations, 2016; ; (ii) for clause (d), the portion beginning with the passport, the driving licence and ending with in consultation with the Regulator the following shall be substituted, namely: the passport, the driving licence, the Voter's Identity Card issued by Election Commission of India, job card issued by NREGA duly signed by an officer of the State Government, the letter issued by the National Population 110

117 ¹Hkkx IIμ[k.M 3(i)º Hkkjr dk jkti=k % vlk/kj.k 7 Register containing details of name, address or any other document as notified by the Central Government in consultation with the Regulator (b) in rule 9, for sub-rule (4) to sub-rule (9), the following sub-rules shall be substituted, namely: (4) Where the client is an individual, who is eligible to be enrolled for an Aadhaar number, he shall for the purpose of sub-rule (1) submit to the reporting entity, (a) the Aadhaar number issued by the Unique Identification Authority of India; and (b) the Permanent Account Number or Form No. 60 as defined in Income-tax Rules, 1962, and such other documents including in respect of the nature of business and financial status of the client as may be required by the reporting entity: Provided that where an Aadhaar number has not been assigned to a client, the client shall furnish proof of application of enrolment for Aadhaar and in case the Permanent Account Number is not submitted, one certified copy of an 'officially valid document' shall be submitted. Provided further that photograph need not be submitted by a client falling under clause (b) of sub-rule (1). (4A) Where the client is an individual, who is not eligible to be enrolled for an Aadhaar number, he shall for the purpose of sub-rule (1), submit to the reporting entity, the Permanent Account Number or Form No. 60 as defined in the Income-tax Rules, 1962: Provided that if the client does not submit the Permanent Account Number, he shall submit one certified copy of an officially valid document' containing details of his identity and address, one recent photograph and such other documents including in respect of the nature or business and financial status of the client as may be required by the reporting entity. (5) Notwithstanding anything contained in sub-rules (4) and (4A), an individual who desires to open a small account in a banking company may be allowed to open such an account on production of a self-attested photograph and affixation of signature or thumb print, as the case may be, on the form for opening the account: Provided that- (i) (ii) (iii) (iv) the designated officer of the banking company, while opening the small account, certifies under his signature that the person opening the account has affixed his signature or thump print, as the case may be, in his presence; the small account shall be opened only at Core Banking Solution linked banking company branches or in a branch where it is possible to manually monitor and ensure that foreign remittances are not credited to a small account and that the stipulated limits on monthly and annual aggregate of transactions and balance in such accounts are not breached, before a transaction is allowed to take place; the small account shall remain operational initially for a period of twelve months, and thereafter for a further period of twelve months if the holder of such an account provides evidence before the banking company of having applied for any of the officially valid documents within twelve months of the opening of the said account, with the entire relaxation provisions to be reviewed in respect of the said account after twenty-four months; the small account shall be monitored and when there is suspicion of money laundering or financing of terrorism or other high risk scenarios, the identity of client shall be established through the production of officially valid documents, as referred to in sub-rule (4) and the Aadhaar number of the client or where an Aadhaar number has not been assigned to the client, through the production of proof of application towards enrolment for Aadhaar along with an officially valid document; Provided further that if the client is not eligible to be enrolled for an Aadhaar number, the identity of client shall be established through the production of an officially valid document; 111

118 8 THE GAZETTE OF INDIA : EXTRAORDINARY [PART II SEC. 3(i)] (v) the foreign remittance shall not be allowed to be credited into the small account unless the identity of the client is fully established through the production of officially valid documents, as referred to in sub rule (4) and the Aadhaar number of the client or where an Aadhaar number has not been assigned to the client, through the production of proof of application towards enrolment for Aadhaar along with an officially valid document: Provided that if the client is not eligible to be enrolled for the Aadhaar number, the identity of client shall be established through the production of an officially valid document. (6) Where the client is a company, it shall for the purposes of sub-rule (1), submit to the reporting entity the certified copies of the following documents: (i) Certificate of incorporation; (ii) Memorandum and Articles of Association; (iii) A resolution from the Board of Directors and power of attorney granted to its managers, officers or employees to transact on its behalf; (iv) (a) Aadhaar numbers; and (b) Permanent Account Numbers or Form 60 as defined in the Income-tax Rules, 1962, issued to managers, officers or employees holding an attorney to transact on the company s behalf or where an Aadhaar number has not been assigned, proof of application towards enrolment for Aadhaar and in case Permanent Account Number is not submitted an officially valid document shall be submitted: Provided that for the purpose of this clause if the managers, officers or employees holding an attorney to transact on the company's behalf are not eligible to be enrolled for Aadhaar number and do not submit the Permanent Account Number, certified copy of an officially valid document shall be submitted. (7) Where the client is a partnership firm, it shall, for the purposes of sub-rule (1), submit to the reporting entity the certified copies of the following documents: (i) registration certificate; (ii) partnership deed; and (iii) (a) Aadhaar number; and (b) Permanent Account Number or Form 60 as defined in the Income-tax Rules, 1962, issued to the person holding an attorney to transact on its behalf or where an Aadhaar number has not been assigned, proof of application towards enrolment for Aadhaar and in case Permanent Account Number is not submitted an officially valid document shall be submitted: Provided that for the purpose of this clause, if the person holding an attorney to transact on the company's behalf is not eligible to be enrolled for Aadhaar number and does not submit the Permanent Account Number, certified copy of an officially valid document shall be submitted. (8) Where the client is a trust, it shall, for the purposes of sub-rule (1) submit to the reporting entity the certified copies of the following documents: (i) registration certificate; (ii) trust deed; and (iii) (a) Aadhaar number; and (b) Permanent Account Number or Form 60 as defined in the Income-tax Rules, 1962, 112

119 ¹Hkkx IIμ[k.M 3(i)º Hkkjr dk jkti=k % vlk/kj.k 9 issued to the person holding an attorney to transact on its behalf or where Aadhaar number has not been assigned, proof of application towards enrolment for Aadhaar and in case Permanent Account Number is not submitted an officially valid document shall be submitted: Provided that for the purpose of this clause if the person holding an attorney to transact on the company's behalf is not eligible to be enrolled for Aadhaar number and does not submit the Permanent Account Number, certified copy of an officially valid document shall be submitted. (9) Where the client is an unincorporated association or a body of individuals, it shall submit to the reporting entity the certified copies of the following documents: (i) resolution of the managing body of such association or body of individuals; (ii) power of attorney granted to him to transact on its behalf; (iii) (a) the Aadhaar number; and (b) Permanent Account Number or Form 60 as defined in the Income-tax Rules, 1962, issued to the person holding, an attorney to transact on its behalf or where Aadhaar number has not been assigned, proof of application towards enrolment for Aadhaar and in case the Permanent Account Number is not submitted an officially valid document shall be submitted; and (iv) such information as may be required by the reporting entity to collectively establish the legal existence of such an association or body of individuals: Provided that for the purpose of this clause if the person holding an attorney to transact on the company s behalf is not eligible to be enrolled for Aadhaar number and does not submit the Permanent Account Number, certified copy of an officially valid document shall be submitted. (c) after sub-rule (14), the following sub-rules shall be inserted, namely, (15) Any reporting entity, at the time of receipt of the Aadhaar number under provisions of this rule, shall carry out authentication using either e-kyc authentication facility or Yes/No authentication facility provided by Unique Identification Authority of India. (16) In case the client referred to in sub-rules (4) to (9) of rule 9 is not a resident or is a resident in the States of Jammu and Kashmir, Assam or Maghalaya and does not submit the Permanent Account Number, the client shall submit to the reporting entity one certified copy of officially valid document containing details of his identity and address, one recent photograph and such other document including in respect of the nature of business and financial status of the client as may be required by the reporting entity. (17) (a) In case the client, eligible to be enrolled for Aadhaar and obtain a Permanent Account Number, referred to in sub-rules (4) to (9) of rule 9 does not submit the Aadhaar number or the Permanent Account Number at the time of commencement of an account based relationship with a reporting entity, the client shall submit the same within a period of six months from the date of the commencement of the account based relationship: Provided that the clients, eligible to be enrolled for Aadhaar and obtain the Permanent Account Number, already having an account based relationship with reporting entities prior to date of this notification, the client shall submit the Aadhaar number and Permanent Account Number by 31 st December, (b) As per regulation 12 of the Aadhaar (Enrolment and Update) Regulations, 2016, the local authorities in the State Governments or Union-territory Administrations have become or are in the process of becoming UIDAI Registrars for Aadhaar enrolment and are organising special Aadhaar enrolment camps at convenient locations for providing enrolment facilities in consultation with UIDAI and any individual desirous of commencing an account based relationship as provided in this rule, who does not possess the Aadhaar number or has not yet enrolled for Aadhaar, may also visit such special Aadhaar enrolment camps for Aadhaar enrolment or any of the Aadhaar enrolment centres in the vicinity with existing registrars of UIDAI. 113

120 10 THE GAZETTE OF INDIA : EXTRAORDINARY [PART II SEC. 3(i)] (c) In case the client fails to submit the Aadhaar number and Permanent Account Number within the aforesaid six months period, the said account shall cease to be operational till the time the Aadhaar number and Permanent Account Number is submitted by the client: Provided that in case client already having an account based relationship with reporting entities prior to date of this notification fails to submit the Aadhaar number and Permanent Account Number by 31 st December, 2017, the said account shall cease to be operational till the time the Aadhaar number and Permanent Account Number is submitted by the client. (18) In case the identity information relating to the Aadhaar number or Permanent Account Number submitted by the client referred to in sub-rules (4) to (9) of rule 9 does not have current address of the client, the client shall submit an officially valid document to the reporting entity.. [Notification No.2/F.No. P.12011/11/2016-ES Cell-DOR] MANDEEP KAUR, Dy. Secy. Note : The principal rules were published in Gazette of India, Extraordinary, Part-II, Section 3, Sub-Section (i) vide number G.S.R. 444(E), dated the 1st July, 2005 and subsequently amended by number G.S.R. 717(E), dated the 13th December, 2005, number G.S.R. 389(E), dated the 24th May, 2007, number G.S.R. 816(E), dated the 12th November, 2009, number G.S.R. 76(E), dated the 12th February, 2010, number G.S.R. 508(E), dated the 16th June, 2010, number G.S.R. 980(E), dated the 16th December, 2010, number G.S.R. 481(E), dated the 24th June, 2011 number G.S.R. 576(E), dated the 27th August, 2013, number G.S.R. 288(E), dated the 15th April, 2015, number G.S.R. 544(E), dated the 7th July, 2015, number G.S.R. 693(E), dated the 11th September, 2015, number G.S.R. 730(E), dated the 22nd September, 2015, number G.S.R. 882 (E), dated the 18th November, 2015 and number G.S.R. 347(E), dated the 12th April, RAKESH SUKUL Digitally signed by RAKESH SUKUL Date: :53:42 +05'30' Uploaded by Dte. of Printing at Government of India Press, Ring Road, Mayapuri, New Delhi and Published by the Controller of Publications, Delhi

121 Agenda No. 4 Setting up of RSETI and Financial Literacy centers in Maharashtra and review of progress made by Institutions / centres District wise position in regard to RSETIs with the concerned bank is being collected every quarter and the position is reviewed during each SLBC meeting. Present position of construction of RSETI buildings is as under:. Construction Completed : 7 : Hingoli, Latur, Osmanabad, Solapur, Washim Yavatmal, Parbhani Construction in Progress : 8 : Bhandara, Jalgaon, Nasik, Sangli, Gadchiroli, Ratnagiri, Sindhudurg, Chandrapur In case of RSETIs, where the banks have already been allocated land and received financial assistance from the Government of India, the process of completion of construction of RSETI property should be expedited with a time bound action plan. Progress Report Total 1,25,106 swarojgaris have been trained in these institutions as of with 81,436 persons starting their own micro enterprise / placed in some gainful employment which accounted to 65% of people trained. The position of RSETIs as of for all the Banks is given as Annexure 4.1. Position of BPL population (Rural and Urban) as of State No. of BPL persons in lakh % to all India Total Maharashtra Considering the available data, all the RSETI Directors be instructed for selection of these BPL beneficiaries as reimbursement facility is also available from the Government. Project Director, District Rural Development Agencies may be instructed suitably to submit the list of BPL families to all Branches through Block Development Officers of concerned blocks for doing the needful. All RSETI Directors be also instructed to extend full cooperation to banks and other agencies for imparting training under various government initiatives viz APY (PFRDA), capacity building of BCs (IIBF certification), Financial Literacy Project etc. Various issues pertaining to RSETIs were discussed in a SLBC sub-committee meeting held on at Pune. Minutes of the meeting are attached herewith (Annexure 4.2). Setting up of FLCC Centers in Maharashtra Banks are requested to ensure that all the rural branches and FLCs prepare a calendar for conduct of Financial Literacy camps in the beginning of the year. All LDMs are instructed to ensure that the FLCs and rural branches of banks prepare the required calendar in their respective districts. Further, in order to ensure consistency in the messages reaching the target audience of financially excluded people during the Financial Literacy Camps, it is 115

122 necessary for banks to use the Financial Literacy Guide as a standard curriculum to impart basic conceptual understanding of financial products and services. In addition to the camps conducted through FLCs, all the rural branches in the state are requested to conduct minimum one Financial Literacy camp in their area. This is as per the guidelines issued by RBI and controlling offices needs to monitor this position periodically. English, Hindi as well as Marathi version of Financial Literacy Material (FLM) viz, Financial Literacy Guide, Financial Literacy Diary and Financial Literacy Posters are already delivered to all LDMs in the State for further distribution to FLCs and participating Banks in the District. More over during the implementation of PMJDY, Banks have also printed the Financial Literacy material. The use of this material is being done during the implementation. SLBC reviews the financial literacy efforts undertaken by banks under their jurisdiction in its quarterly meetings and submits a Quarterly report on the functioning of FLCs to RBI. Revised format of the report is qualitative in nature and the report for the quarter ended June 2016 has already been submitted to Reserve Bank of India. The Financial Literacy Material in respect of Pradhan Mantri Jan Dhan Yojana (PMJDY) viz. animated booklet in Hindi with related script in English and Marathi, Flyers in Hindi, English and Marathi, FAQs as well as PMJDY Mission Document in Hindi, English and Marathi is available on Audio Visual Financial Literacy Material in form of films on Debit Card and Overdue installments, Insurance and Pension, Micro ATM, Technology Platform for PMJDY, Animation film and Mobile Banking is also available at the URL on SLBC website << An audio visual clip on PMJDY is also available on SLBC website << Miscellaneous.asp>>. All the member Banks are requested to gear up their machinery and arrange more number of financial literacy camps through their branches. Banks are also requested to ensure that there is adequate data and other inputs furnished by them for meaningful discussions. All officials in-charge of FLCs be instructed to extend full cooperation to banks and other agencies for imparting training under various government initiatives viz APY (PFRDA), capacity building of BCs (IIBF certification), Financial Literacy Projects, aadhaar enrollments etc. Progress of FLCs in the State was discussed in a SLBC sub-committee meeting held on at Pune. Minutes of the meeting are attached herewith (Annexure 4.2). 116

123 Annexure 4.1 SLBC Maharashtra - Convener : Bank of Maharashtra Status of RSETIs in Maharashtra as on Completion of construction of RSETI property proposed on Total 9+10 Dt of Present Status Allottment Pune BoM AA Possesion taken Aurangabad BoM AA Possesion taken Nagpur BoM AA Possesion taken Nasik BoM AA Possesion taken Status of Construction Where Land has been allotted Total No of Candidates trained since inception No of trainees started self Micro Ent Funds Received on Allotment of Land No of Prog conducted during the year (as of ) No of Prog conducted since inception Est with Bank Finance Settlement ratio % Sr No District Bank Date of Op Grade of RSETI as on Bldg. construction plan submitted to authority for their approval in August Bank/Z P CEO has requested PMRDA for waiver of Fire NOC charges of Rs.50000/-The matter is yet pending. 3. Construction permission is expected to receive by end of August Sanction of plan is awaited from CIDCO, Waluj, Aurangabad since RSETI Director & DRDA Official are following with the CIDCO authorities, continuously. Nagpur Improvement Trust (NIT) the development authority has raised querries in sanction of Layout plan on 1st July Building construction permission is yet to be received. Additional funds of approx. Rs.60 lakhs are required for completion of building construction. One year from receipt of construction permission from Competent Authority. One year from receipt of construction permission from Competent Authority. One year from receipt of construction permission from Competent Authority Amravati BoM AB Land allotted on has been rejected. Alternate land not allotted Earlier allotted land is not suitable. Hon Collector Amravati has directed Tahasildar Amravati to allot alternate suitable land for MRSETI. 2. As per directions received from Collector Office, RSETI Amravati has requested Tahasildar Amravati vide their letter dated to allot. Yet land is not allotted by Tahasil Office Amravati Suitable land is requested 6 Jalna BoM AA Possesion of land taken on yet to recieve 7 Thane BoM BB Possesion taken yet to recieve Building construction permission is expected from Nagar Parishad during current quarter. Matter is pending with Revenue & Forest Department Mantralay Mumbai for No objection for MRSETI Bldg. construction. One year from receipt of construction permission from Competent Authority. One year from receipt of construction permission from Competent Authority. Sub Total

124 SLBC Maharashtra - Convener : Bank of Maharashtra Status of RSETIs in Maharashtra as on Completion of construction of RSETI property proposed on Total Status of Construction Where Land has been allotted Total No of Candidates trained since inception No of trainees started self Micro Ent Est with Bank Finance Settlement ratio % Funds Received on Allotment of Land No of Prog conducted during the year (as of ) No of Prog conducted since inception Sr No District Bank Date of Op Grade of RSETI as on Dt of Present Status Allottment Kolhapur BoI AA New land allotted, MoU Plan & estimate preparation is in progress. We signed, Possession is are shortly submiting it to HO(FI) for approval Solapur BoI AA Shifted to New building & 03.05Shifted to New building First floor work is started from 10 Wardha BoI AA DRDA alloted land 0.20 R Foundation ceremony (Bhumipujan) took place The land March,2012 to RSETI on on & thereafter(next day) alloted for the 11 Ratnagiri BoI BB /08/2017 ELECTRIFICATION AND COLOURING, 12 Sindhudurg BoI AA Land has been allotted Sangli BoI AA Gadchiroli BoI BB Construction started & is in progress. FIRST FLOOR HAS BEEN ALMOST COMPLETED 15 Bhandara BoI BB % Work is Completed 16 Chandrapur BoI AB Construction of RSETI building is completed upto Month of May CONSTRUCTION WILL BE COMPLETED AUGUST17 END Presently both the slabs are constructed. Wall construction & Plastering is completed. The tile Construction started. Work of Plinth level is going on. We are after the contractor/ Architect to FIRST FLOOR HAS BEEN ALMOST COMPLETED Dec /07/2017 District Place Bhandara Construction of RSETI building is completed upto slab level. Up to October Raigad BoI AB Land allotted at Saral, Tal - Alibag,Dist - Raigad Procedure of appointment of Architect is over. The Architect submitted Plan & Estimate of proposed RSETI Building. The proposal for permission of building construction is submitted to Collector office on Head office approved building plan, however approval of plan with permission of construction of building from collector office is awaited. Collector office informed that maximum Permissible construction is sq. meter only (i.e. 0.2 FSI on total plot of land area Hect.) accordingly we have informed to your Head office & seek permission for construction in Permissible area & request for deviation.nird informed & advised us to persue matter with Collector for verticle construction. Since Collector is not available due to transfer, we are waiting for appointment of new Collector. Matter will be taken up with the newly appointed Collector immediately after appointment. March 2018 (Tentative) 18 Gondia BoI AB na Alternate land not allotted till date Not ReceivedNotApplicable NA Sub Total

125 SLBC Maharashtra - Convener : Bank of Maharashtra Status of RSETIs in Maharashtra as on Completion of construction of RSETI property proposed on Total Status of Construction Where Land has been allotted Total No of Candidates trained since inception No of trainees started self Micro Ent Est with Bank Finance Settlement ratio % Funds Received on Allotment of Land No of Prog conducted during the year (as of ) No of Prog conducted since inception Sr No District Bank Date of Op Grade of RSETI as on Dt of Present Status Allottment Buldhana CBI AA NA NA 20 Yavatmal CBI AA Akola CBI AA Dhule CBI AA Ahmednagar CBI AA POSSISSION OF LAND MEASURING 60 R Land has been alloted and construction work has Permission fron AMC is awaited The tender is sanctioned & work order issued to Contractor by Regional Office, Nasik on at 11.00am Respected Dr. Dilip Pandharpatte District Collector inaugural the starting function of Building Construction. Land alloted to RSETI Ahmednagar at village Nimbalak Tal. Nagar, Gat No. 168 Area 0.80 R. But the possession of land is in process Jalgaon CBI AB Alloted Construction work is completed and Started working from at new premises Not yet recd Not yet started Not Started % work is completed except some part of doors,windows, Water proofing, furniture etc however we have started functioning from in New Bulding of RSETI. NA Sep-17 Sub Total Satara IDBI construction of boundary AA wall is started Rs Lakhs received as on 6/12/2016 The Bank has appointed Architecture firm for RSETI work and the firm has Started the construction of boundary wall. Building plan & estimate is under approval process Sub Total working from its own 26 Parbhani SBI (SBH) AA working from its own premises premises 27 Beed SBI (SBH) AA land is allotted process for possession is in hand. working from its own 28 Hingoli SBI (SBH) AA working from its own premises premises Sub Total

126 SLBC Maharashtra - Convener : Bank of Maharashtra Status of RSETIs in Maharashtra as on Completion of construction of RSETI property proposed on Total Status of Construction Where Land has been allotted Total No of Candidates trained since inception No of trainees started self Micro Ent Est with Bank Finance Settlement ratio % Funds Received on Allotment of Land No of Prog conducted during the year (as of ) No of Prog conducted since inception Sr No District Bank Date of Op Grade of RSETI as on Dt of Present Status Allottment Nanded SBI AA MAP is pending for approval at town area 30 Latur SBI AA Nandurbar SBI AA Osmanabad SBI AA Washim SBI AA map is pending for approval at town area working from its own premises working from its own premises working from its own premises working from its own premises working from its own premises working from its own premises Sub Total Pune BOB AB NA NA NA NA NA 35 Pune Syndicate & Canara AA NA NA NA NA NA TOTAL

127 Annexure 4.2 No. AX1 / SHG RSETI Sub Comm / Minutes / August 09, 2017 Minutes of the Meeting of the Sub Committee on SHG Bank Linkage and Strengthening of RSETIs & FLCs held on August 08, 2017 at Pune A SLBC sub-committee meeting to discuss progress of SHG Bank Linkage programme and Strengthening of RSETIs & FLCs in the State was held at Bank of Maharashtra, H.O. Pune on Shri Devasis Padhi, General Manager, NABARD, MRO Pune chaired the meeting. Senior officials of Government of Maharashtra, NABARD, member Banks and State Director, RSETIs attended the meeting. Officials of Reserve Bank of India from Mumbai and Nagpur joined the meeting through Video Conferencing. Shri Ahilaji Thorat, Dy. Gen. Manager & Member Secretary, SLBC welcomed the participants and informed that the meetings of the sub-committee would be held regularly. Shri Vasant Mhaske, Convener, SLBC, Bank of Maharashtra concurred and assured that the meetings would be conducted regularly hereafter. Shri Devasis Padhi, General Manager, NABARD expressed happiness over the resolution and opined that regular conduct of the meetings was essential because finance to SHGs and JLGs form a major part of banks credit portfolio and the social angle associated with the same. He informed about the efforts being taken by NRLM, Reserve Bank of India and NABARD to promote the movement and was happy to note that this is the 25 th year of the SHG bank linkage programme. He informed that the spread of the movement all over the world was unparalleled because of the contribution from PSBs, Private Banks and NGOs. He also informed about the pilot for development of E-Shakti portal through which all information about individual SHGs would be available to the branch managers at their branches. Agenda 1 : Confirmation of minutes of the sub-committee meeting held on The minutes of SLBC sub-committee meeting held on were placed as an annexure in the agenda and were confirmed. 121

128 Agenda 2 : Review of performance of SHGs under Mahila Arthik Vikas Mahamandal Representative of MAVIM provided bank wise pending list of opening of accounts of SHGs and linkage thereof. He informed the house that they were facing problem of linkage particularly in case of urban SHGs. It was suggested that MAVIM representatives should visit branches and sensitise staff. He clarified that members of Community Managed Research Centres (CMRCs) are already doing it. He also informed that bank branches were asking for PAN card details of each and every SHG member while opening accounts. Asstt. Gen. Manager, Reserve Bank of India, MRO, Mumbai clarified that PAN Card details of persons actually operating the account would be sufficient. Convener SLBC urged all member banks to inform all their controlling offices suitably for issuing instructions for expeditious opening of accounts of SHGs. He opined that it is in the interest of banks and is a good opportunity for lending. Agenda 3 : Review of RSETIs and FLCs in Maharashtra RSETIs Shri Sunil Kasture, State Director, RSETIs informed that, with good performance of RSETIs in Maharashtra at 107% of target as of and settlement ratio at par with national average, the State was ranked at second position at national level. He congratulated all stake holders for the achievement. He conveyed expectations of MoRD, Government of India to increase credit linkage of candidates at least to 50%. He requested MSRLM to sponsor more candidates of MGNREGA programs. In respect of sanction of MUDRA loans he suggested that candidates trained from RSETIs be given preference for credit linkage as their initial requirement is low. To improve rate of sanction of loan proposals, it was decided that bankers will not reject proposals directly but refer to their next higher authority with their comments. The State Director further informed that land was allotted in 33 districts. However, Convener SLBC informed that there were problems of requisite Government permissions for commencing constructions at many centres. He opined that Government grant of Rs. 1 crore sanctioned way back in the year 2009 was not sufficient to complete construction and additional funds are needed. State Director informed that the issue was already taken up 122

129 with National Level Advisory Committee of RSETIs. He also informed that reimbursement per candidate will increase. He expected all RSETIs to be self-sufficient. General Manager, NABARD informed that 27 RSETIs having double rating can get support from NABARD. He also informed that programmes not sponsored by any other agency will be sponsored by NABARD to the extent of 50%. FLCs Convener, SLBC informed the house about FLC week conducted in June He also informed about Reserve Bank of India guidelines for rural branches to conduct at least one literacy camp per month. He urged to make use of the literacy material already supplied to banks and Lead District Managers and also available on SLBC website. Asstt. Gen. Manager, Reserve Bank of India, FIDD, MRO informed that many officials-in-charge of FLCs have still not drawn yearly calendar of camps, target specific camps are not being conducted regularly and because of lack of coordination between FLC counsellors, Government line departments and villagers, there is lack of awareness in the field. Convener, SLBC urged the representatives of lead banks to issue suitable instructions on above lines to the FLCs under their control and involve Government line departments in the proceedings. He suggested that non-participation by Government line departmets be discussed in BLBC / DLCC meetings. Agenda 4 : Implementation of National Urban Livelihoods Mission (NULM) in Maharashtra Representatives of NULM informed that branches were sanctioning proposals in the month of February March to meet targets. They requested to spread out sanctions / disbursements evenly. They also requested a timeline for opening of accounts. They informed that without opening of an account they are unable to register it on their portal. Convener SLBC suggested that NULM may develop templates for getting / imparting information from / to bankers. General Manager, NABARD suggested to sensitise bankers and to prepare / circulate detailed guidelines for better implementation of the programme. 123

130 Agenda 5 : Implementation of Maharashtra State Rural Livelihoods Mission (MSRLM) in Maharashtra Representative of MSRLM gave a presentation on progress of implementation in Maharashtra. It covered Summary of Last 3 Years Performance under MSRLM, State's Performance in SHG credit linkage compared to other states, Bank wise Target for Year and District / division wise credit linkage target / achievement etc. Member banks were advised to clear pendency of proposals forthwith. Agenda 6 : Important Issues flagged by NABARD for discussion 1. Targets for and allocation amongst the banks As the targets for have already been finalized by SLBC, the bank-wise, districtwise targets may be communicated to LDMs with an advice to allocate these targets among all rural and semi urban branches at the district level and also review the same at DLCC/BLBC meetings as a regular agenda. The subcommittee has agreed at the targets to be set for as under: Target for Saving Linkage of SHGs during Target for Credit Linkage of SHGs during Target for Credit Linkage of JLGs during , Data Collection and Monitoring It was decided that SLBC may obtain the bank wise, district wise data on SHG saving linkage, SHG credit linkage and JLG Credit linkage for effective review if required by modifying the MIS. A simple format is given below: Progress under Microfinance- During the year Rs. Lakh 1 2 Sr. No. Name Of district SHGs Saving linked SHGs Credit linked JLGs credit linked No. of SHGs Saving amount No. of SHGs Loans disbursed amount No. of JLGs Loans disbursed amount 124

131 3. SHGs Credit Linkage It was observed that there is great disparity between the SHGs savings linked and credit linked. It was observed that the credit linkage percentage of SHGs in Maharashtra at 25.7% is very poor as compared to the national average of 56.5% (source-booklet on Status of microfinance in India ). SLBC may advise banks to take up a review of the credit extended to active SHGs based on the quantum of savings and arrange to provide meaningful credit to these SHGs. The Bankers are advised to increase the flow of credit to SHGs in order to reduce the credit gap between saving linkage and Credit linkage. 4. Study visit of Parliamentary Standing Committee on Personnel, Public Grievances, Law and Justice to Mumbai from June The Parliamentary Committee during their visit to Mumbai had discussions with Bankers and Other Govt. agencies and observed that the number of dormant SB accounts in Maharashtra also appears to be very high and needs to be cleansed on a priority basis. The subcommittee has agreed that banks may identify and revitalize dormant SB accounts of non-functional SHGs. 5. JLGs As per RBI circular no. FIDD.CO.FSD.BC 42/ / dated November 13, 2014 the progress on financing of JLG s needs to be monitored by SLBC regularly. It was observed that there is no practice to allocate targets to banks by SLBC in the state. It was decided that bankwise, districtwise targets may be allocated by SLBC and LDMs may be advised to review the same at DLCC/BLBC meetings as a regular agenda item. 6. Digitisation of SHGs As part of NABARD s mandate to support innovation of rural banking products, digitisation of SHGs under EShakti project is on-going in two districts viz. Dhule and Wardha. Digitisation of SHG accounts will increase bankers' comfort in credit appraisal and bankers can take informed decisions regarding credit linkage of SHGs. 125

132 The members of the committee were explained about the digitization process and were given a live demonstration of the e-shakti portal. The Bankers were of the opinion that this is very useful. NABARD requested member banks to advise their branches in Dhule and Wardha district to avail the benefit ofe-shakti scheme. The sponsor Banks for RRBs should also provide continued access to the portal through their CBS. Bank of Maharashtra has done it for MGB. There is a need for BOI to do so for VKGB. 7. Women SHG Scheme Ministry of Finance, GoI had launched the scheme Women Self Help Groups (WSHG) in 150 identified backward and left wing extremism affected districts in the country in The scheme is being implemented through NABARD. In Maharashtra, WSHG, is under implementation in 6 districts viz., Nandurbar, Gadchiroli, Chandrapur, Dhule, Nanded and Gondia. The scheme which was to close on has been extended. As against the target of to be savings and credit linked under the project only SHGs were savings linked and 9,108 WSHGs were credit linked as on 30 June 2017 as per details given below: Sr No Name of district No of ANGOs involved Target SHGs SB linked SHGs credit linked % of credit linked (against target) 1 Dhule % Nandurbar % Nanded % Gondia % Gadchiroli % Chandrapur % 1202 Gap in credit linkage % 5041 The Controlling Offices of banks may advise their branches to ensure credit linkage so that 100% of the target under the scheme is achieved by For any support relating to capacity building etc. DDMs of NABARD/RO may be contacted. 126

133 8. VLPs If there is potential for credit linkage in a particular area and linkage is not happening in normal course that can be done through credit camps. NABARD provides grant assistance of Rs 2000/- per camp. During banks have conducted 3,318 VLPs as against the target of These Village Level Programmes have become one of the effective tools in bringing the SHGs, bankers and other stakeholders face to face. A target of 6000 VLPs has been fixed for the State during Bankers may use this opportunity. If any bank needs support for conducting programmes DDM or NABARD Regional Office may be contacted. Reimbursement will be provided only with prior permission. The request should come through controlling offices either at district level or State level but not from branches directly. 9. Training and capacity building of stake holders Training and capacity building of stake holders is a critical input for ensuring orientation to the SHG Bank Linkage Programme. NABARD provides financial assistance to banks for conducting Training and capacity building of staff members. If any bank needs support for conducting programmes DDM or NABARD Regional Office may be contacted. 10. Strengthening of RSETIs It was explained to the house that NABARD extends financial assistance by way of grant to the extent of 50% of recurring cost to RSETIs/RUDSETI towards conduct of Rural Entrepreneurial Development Programme/Skill Development Programme. NABARD urged RSETIs/RUDSETIs in the state of Maharashtra to submit the Annual Training Programme Calendar and submit their claim for grant assistance for reimbursement well on time. 127

134 NABARD invited proposals under going Digital from the banks, for which banks needs to submit proposals along with schedule of programmes to be conducted throughout the year. SLBC was requested to share the mapping of schools done by them in connection with DFS circular dated , based on which reimbursement under FIF can be considered by NABARD. The sub-committee meeting concluded after Chief Manager, SLBC proposed vote of thanks. The list of officials who participated in the meeting is given in the Annexure. 128

135 Annexure List of Participants for SLBC Sub Committee Meeting on RSETIs, SHGs held on at Pune Sr. No. Name of the Participant Designation / Institution 1 Shri Devasis Padhi State Government General Manager, NABARD Chairman of the Committee 1 Shri Sanjay Dusane Asstt. Director, Dept of Municipal Administration 2 Shri P.B. Temghare Mission Manager, MSRLM 3 Shri M.P. Kokare Dy. Manager, MAVIM Reserve Bank of India 1 Officials joined through VC Asstt. Manager, FIDD, Mumbai 2 Officials joined through VC Reserve Bank of India, Nagpur NABARD 1 Shri M.J. Srinivasulu Dy. General Manager, NABARD, Pune 2 Ms Balwinder Kaur Asstt. General Manager, NABARD, Pune 3 Ms Prabodhita Pande Asstt. General Manager, NABARD, Pune 4 Shri D. Prabhakar Manager, NABARD, Pune 5 Shri Harish V AM,, NABARD, Pune Scheduled Commercial / Apex Banks. 1 Shri K.S. Prakash Dy. Gen. Manager, Bank of India 2 Shri Bharat Barve Chief Manager, Bank of Maharashtra 3 Shri M.D. Gautam Chief Manager, Bank of Maharashtra 4 Shri N. Veerapandian Asstt. Gen. Manager, Central Bank of India 5 Shri S.B. Humne Chief Manager, Central Bank of India 6 Shri Kapil Vashisht General Manager, IDBI Bank 7 Shri Vishwas Kulkarni Dy. General Manager, IDBI Bank 8 Shri Sunilkumar Srivastava Chief Manager, State Bank of India 9 Shri D.S. Hire MFMO, State Bank of India Others 1 Shri S.P. Kasture State Director (MS), NACER, Pune 2 Shri Nitin Sawant Manager (FI), NULM, PCMC, Pune 3 Ms S.M. Bansode APO-NULM, PMC, Pune Convener Bank Bank of Maharashtra 1 Shri V.U. Mhaske GM, Convener, SLBC 2 Shri A.B. Thorat DGM, Member Secretary, SLBC 3 Shri S.P. Zele Chief Manager, SLBC 4 Shri Amit Teke Senior Manager, SLBC 5 Shri Sundarraj Gounder Senior Manager, SLBC 6 Shri P.M. Walunjkar Manager, SLBC 129

136 Review of performance under various Government sponsored Schemes Agenda No. 5 Implementation of various welfare schemes depend upon sponsoring of cases by the concerned nodal agency / corporation set-up exclusively for the purpose. Progress under these schemes is monitored and reviewed in BLBC as well as DLCC meetings and all issues pertaining to sponsoring of adequate cases well spread over the period are sorted out at these forums. Banks are already lending to various welfare programmes. Summary of performance under Govt. sponsored schemes (all banks in the state of Maharashtra) is as under. Sr No Scheme Phy. (Financial in Lakhs / Physical in Numbers) Target Achievement % Fin. (MM / Sub / Int. Sub) Phy. Fin. (MM / Sub) Phy. Fin. (MM / Sub) Maharashtra State Rural Livelihoods Mission (Semi / Non Intensive) SHG-Bank wise Credit Plan Prime Ministers Employment Generation Programme (PMEGP) KVIC, Mumbai KVIB, Mumbai SCP Target KVIB, Mumbai PMEGP Target DIC Rural/Urban DIC Loan Scheme DIC Seed Money Scheme Total Mumbai KVIC Nagpur Sahityaratna Lokshahir Annabhau Sathe Development Corporation (LASDC). Subsidy Scheme(July ) Seed Money Scheme (July 2017) Maharashtra Rajya Itar Magasvargiya Vitta Ani Vikas Mahamandal Ltd. 20% Seed Money Scheme (July 2016) Sant Rohidas Leather Industries & Charmakar Development Corporation Ltd. Seed Money Scheme (June 2017) % Subsidy Scheme (June 2017) Mahatma Phule Backward Class Development Corporation Ltd. 50% Subsidy Scheme Seed Money Scheme

137 Targets and Progress reports under various Govt. Sponsored Schemes. The latest position of receipt of data of various Govt. Sponsored Schemes is as under. Sr No Name of the Agency 1 Sahityaratna Lokshahir Annabhau Sathe Development Corporation Ltd. (LASDC) 2 Maharashtra Rajya Itar Magasvargiya Vitta Ani Vikas Mahamandal Ltd. 3 Sant Rohidas Leather Industries and Charmakar Development Corporation Ltd. Progress Report Targets for Report as Annexure of No. Annex. 5.1 July Annex. 5.2 July Annex. 5.3 June ) Subsidy Scheme 2) Seed Money Scheme 4 Prime Ministers Employment Generation Programme(PMEGP) 1) KVIC, Mumbai 2) KVIC, Mumbai, SCP Target 3) KVIC Nagpur Annex. 5.4 Annex. 5.5 Annex Mahatma Phule Backward Class Development Corporation Ltd. Annex ) Subsidy Scheme 2) Seed Money Scheme All member banks are requested to take note of the same and achieve the set targets in all Government Sponsored Schemes at the earliest. National Urban Livelihoods Mission / State Urban Livelihoods Mission Targets Reserve Bank of India, FIDD, Nagpur, vide dtd has informed credit targets for banks under Self Employment Programme (SEP) Component of Deendayal Antyodaya Yojana NULM (DAY-NULM) for the year SLBC has disaggregated these targets for the State of Maharashtra district wise / bank wise. The same are attached herewith as Annexure 5.11 & The targets are also available on SLBC website. << >> However, the targets for received from Directorate of Municipal Administration, Mumbai (Annexure 5.13) are not consistent with those informed by Reserve Bank of India. As such, we request Reserve Bank of India and Directorate of Municipal Administration, Mumbai to clarify the issue so that realistic targets for the year can be conveyed to all concerned. 131

138 Lead District Managers are advised to review the position of pendency of NULM proposals in each block level / district level meeting. Various issues pertaining to NULM were discussed in a SLBC sub-committee meeting held on at Pune. Minutes of the meeting are attached as Annexure 4.2 under Agenda item no. 4. Review of performance of SHGs under Mahila Arthik Vikas Mahamandal (MAVIM) Various issues pertaining to performance of SHGs under MAVIM were discussed in a SLBC sub-committee meeting held on at Pune. Minutes of the meeting are attached as Annexure 4.2 under Agenda item no. 4. Maharashtra State Rural Livelihoods Mission MSRLM being the implementing agency has submitted Bank wise credit plan (Annexure 5.14). Various issues in respect of implementation of MSRLM in the State of Maharashtra were discussed in a SLBC sub-committee meeting held on at Pune. Minutes of the meeting are attached as Annexure 4.2 under Agenda item no

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192 Annexure 5.11 MAHARASHTRA STATE Sr. No. Bank No of Branches SEP I (Individual) No. Amount NULM Targets No of Groups SEP G (Group) No. of Beneficiari es Amount No of SHGs No. Actual / Amt. Rs. in Lakh SHG Bank Linkages Total Target No. of Beneficiari es Amount No. Amount 1 AHMEDNAGAR AKOLA AMRAVATI AURANGABAD BEED BHANDARA BULDHANA CHANDRAPUR DHULE GADCHIROLI GONDIA HINGOLI JALGAON JALNA KOLHAPUR LATUR MUMBAI CITY MUMBAI SUBURB NAGPUR NANDED NANDURBAR NASIK OSMANABAD PALGHAR PARBHANI PUNE RAIGAD RATNAGIRI SANGLI SATARA SINDHUDURG SOLAPUR THANE WARDHA WASHIM YAVATMAL Total

193 Annexure 5.12 MAHARASHTRA STATE NULM Targets No. Actual / Amt. Rs. in Lakh SEP I (Individual) SEP G (Group) SHG Bank Linkages Total Target Sr. No of Bank No. of No. of No. Branches No of No. Amount Beneficiarie Amount No of SHGs Beneficiarie Amount No. Amount Groups s s 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sindh Bank Punjab National Bank State Bank of Hyderabad State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Sub Total PSBs Axis Bank Federal Bank HDFC Bank ICICI Bank Kotak Mahindra Bank Ltd Karnataka Bank Ltd Ratnakar Bank Sub Total Pvt Sec Banks A Total Commercial Banks Maharashtra Gramin Bank Vidarbha Konkan Gramin Bank B Sub Total Gramin Banks Total SCBs M.S.Coop. / DCC Banks MSCARD C Sub Total Co.Op Banks Subhadra Local Area Bank Ltd Other Banks D Sub Total Other Banks Grand Total

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200 Annexure 5.14 MAHARASHTRA STATE RURAL LIVELIHOODS MISSION Bank wise Target for Year Sr. No. Bank SHGs Target Amount (Lakhs) 1 ALLAHABAD BANK ANDHRA BANK BANK OF BARODA BANK OF INDIA BANK OF MAHARASHTRA CANARA BANK CENTRAL BANK OF INDIA CORPORATION BANK DENA BANK ICICI BANK IDBI INDIAN BANK INDIAN OVERSEAS BANK PUNJAB NATIONAL BANK STATE BANK OF HYDERABAD STATE BANK OF INDIA SYNDICATE BANK UCO BANK UNION BANK OF INDIA VIJAYA BANK Maharashtra Gramin Bank VIDHARBHA KONKAN GRAMIN BANK Grand Total

201 Agenda No. 6 Impact of Low level Credit Services in Scheduled Areas Secretary to Hon. Governor, Maharashtra has conveyed Hon. Governor s concern about meeting Priority issues for the State. A meeting was conducted by Hon. Governor Maharashtra State and has reviewed the position of low level credit in the scheduled areas of the state. It was opined that the state should complete the targets under Annual Credit Plan. However he emphasized the need for achievements of targets in the scheduled area. SLBC and State Government have to ensure that there is ample credit supply in Scheduled Areas. There are around 1100 bank branches in the minority concentrated blocks of scheduled districts. There is a need for focused attention for improving credit level in many which are fully declared under scheduled area such as Surgana, Akkalkuwa, Dhadgaon and entire Palghar District. We have discussed this issue with Lead District Managers and some of banks also. The low level credit is due to low potential in the blocks as agricultural cash crops are not being cultivated and there are no industries to finance. We suggest following action points to improve the low level of credit in the scheduled area blocks. 1) The Government authorities are requested to explore the possibility of creating adequate infrastructure for increasing the level of credit. 2) The movement of SHG should be focused in the area so as to have community financing in the area. 3) Bank Mitras in the scheduled areas shall be strengthened to mobilise credit. 4) The progress of finance and ACP achievements be reviewed in DLCC meetings regularly. 195

202 Agenda No. 7 Regular issues to be discussed during SLBC meetings Dairy Entrepreneurship Development Scheme NABARD is requested to apprise the house about the scheme along-with the latest performance. Sanction of loans by banks to trained candidates under the Central Sector Scheme Establishment of Agri-Clinics and Agri-Business Centres (ACABC) All concerned banks are requested to dispose of all the pending proposals under ACABC Scheme and give the latest position in the matter to the house. Being the Nodal Agency, NABARD is requested to present the latest status to the house. Review of Weaver Credit Card (WCC) Scheme During earlier SLBC meetings, all Banks were requested to submit the position of WCCs to NABARD and SLBC. Being the Nodal Agency for the Weaver Credit Card Scheme, NABARD is requested to give present status to the house. 196

203 Agenda No. 8 Pradhan Mantri Awas Yojana Housing for All (Urban) (PMAY) Pradhan Mantri Awas Yojana (PMAY) has been launched on an all India basis w.e.f and is operational in all statutory towns and planning areas as notified with respect to the statutory town and which surrounds the concerned municipal areas. The scheme consists of four different verticals viz. 1. In-Situ Slum Redevelopment 2. Affordable Housing through Credit Linked Subsidy Scheme (CLSS) 3. Affordable Housing in Partnership & 4. Subsidy for beneficiary-led individual house construction The second vertical i.e. Credit Linked Subsidy is the Central Sector Scheme, wherein National Housing Bank (NHB) and HUDCO have been identified as Central Nodal Agencies (CNAs) for the implementation of the Scheme through Primary Lending Institutions (PLIs). The salient features of the Credit Linked Subsidy Scheme (CLSS) are as follows i. Beneficiary Family Economically Weaker Section (EWS Household income of upto Rs lakh) and Low Income Group (LIG - Household income of above Rs lakh and upto Rs lakh) family not owning apucca house in the name of the any of the family members in any part of India. MIG-I: Persons belonging to MIG-I categories defined as persons with annual household income above Rs lakh and up to Rs lakh and house sizes up to 90 sq. mts. MIG-II: Persons belonging to MIG-II categories defined as persons with annual household income above Rs lakh and up to Rs lakh and house sizes up to 110 sq. mts. ii. Geographical Coverage All 4041 statutory towns as per Census Further, vide circular dated 9 th November 2015, Ministry of Housing and Urban Poverty Alleviation, Government of India has notified that States/UTs will have the flexibility to include in the Mission, the Planning Area as notified with respect to the Statutory town and which surrounds the concerned municipal area. iii. House should be in the name of female head of the household, including joint name with male head. iv. Interest subsidy eligibility at the rate of 6.50% for a maximum tenure of 15 years for loan amount upto Rs. 6 lakh. The maximum subsidy amount is about Rs 2.20 lakh. v. Carpet area of the house/flat is up to 30 sq. m. for EWS and 60 sq. m. for LIG. 197

204 Progress of CLSS in Maharashtra Details pertaining to PMAY-CLSS subsidy sanctioned and released in Maharashtra State through HUDCO: (As of ) State Households Subsidy Loan Disb Households Subsidy Loan Disb Maharashtra It has been observed by HUDCO as under: Performance of Nationalized Banks is very poor. Bank Branches are unaware about the PMAY-CLSS scheme. PLIs to take forward the scheme more aggressively. Banks to highlight PMAY-CLSS subsidy availability on their website. HUDCO / NHB to be invited to participate in DLBC. Representative of National Housing Bank & HUDCO are requested to guide the house about implementation and progress of CLSS in the State. All member banks are requested to note the provisions and implement the scheme in letter and spirit. 198

205 Agenda No. 9 Education Loans Vidya Lakshmi Portal (VLP) on Education Loans A meeting to discuss issues regarding Vidya Lakshmi Portal on Education Loans was held on at Department of Financial Services, New Delhi. Minutes of the meeting have already been circulated by us vide our mail dtd As per the minutes, Department of Financial Services has advised to initiate action on the following points: All education loans should be routed through VLP where students have submitted physical application. The same should also be uploaded on VLP after sanction. All banks should also upload all their education loan schemes on VLP. Awareness campaign should be launched from Lead District Managers should ensure sensitization of stakeholders at the District level. Organize orientation programme for officers on education loans, CSIS and VLP. Branches should coordinate with the educational institutions of their area and popularize the VLP. They should also conduct seminars in such institutions during the admission season. Each Branch / Educational Institution to display a banner on VLP. ATMs of banks in educational institutions should also carry posters of VLP. The admission season is in full swing and action on the above mentioned points needs to be taken in a time bound manner to achieve desired results and make education loan scheme and VLP successful. All member banks are requested to note the provisions and implement the scheme in letter and spirit. Member banks are also requested to submit relevant data to SLBC at regular intervals. Skill Loan Scheme The Ministry for Skill Development and Entrepreneurship has launched Skill Loan Scheme at the hands of Hon ble Prime Minister on 15th July, 2015 with a view to support youth who wish to go through skill training programmes in the country. This Skill Loan Scheme (Annexure 9.1) has replaced earlier Indian Banks Association (IBA) Model Loan Scheme for Vocational Education and Training. Any Indian National who has secured admission in a course run by Industrial Training Institutes (ITIs), Polytechnics or in a school recognised by Central or State education Boards or in a college affiliated to recognised university, training partners affiliated to National Skill Development Corporation (NSDC) Sector Skill Councils, State Skill Mission, State Skill Corporation can avail loan for the purpose. All member banks are requested to note the provisions and implement the scheme in letter and spirit. Member banks are also request to submit relevant data to SLBC at regular intervals. 199