ANDHRAPRAGATHI GRAMEENA BANK HEAD OFFICE :: KADAPA. Cir No.143/ 2007-BC-CST Date: FARMERS CLUB PROGRAMME - POLICY CHANGES

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1 ANDHRAPRAGATHI GRAMEENA BANK HEAD OFFICE :: KADAPA Cir No.143/ 2007-BC-CST Date: FARMERS CLUB PROGRAMME - POLICY CHANGES Attention of all the branches / Regional offices is drawn to the captioned subject. Branches are aware that NABARD has been facilitating formation and nurturing of farmers club programme and in this connection, the NABARD has made a comprehensive review of the farmers club programme to make them more vibrant and sustainable in the long run. Based on the review the NABARD vide letter number NB: AP.RO.HYD/786/MCID/FC- 1 (1) dt , has communicated the policy changes in the existing policy of Farmers Club programme and these changes are effective from The Board of directors of the bank, in the board meeting held on permitted the bank to implement the Farmers club programme with the new policy changes. These policy changes are furnished here under: EXISTING POLICY 1.Membership of Club All villagers except willful defaulters can become members of the Club. NEW POLICY Both farmers as well as Non--farmers can become members of the Club. 2.Who can promote the Club Any bank operating in the rural areas including Commercial banks Regional Rural Banks and Co-operative Banks can promote clubs directly or engage the services of NGOs/KVKs/ Agricultural Universities for promoting the Clubs. 3.Activities of the Club The broad functions of the club are to facilitate development of farmers through credit, technology transfer, awareness and capacity building In addition, MFIs, Local Area Banks (LABs), Village panchayats, Corporate bodies, educational institutions etc may also be permitted to promote and maintain Farmers Clubs. In addition to the existing activities, the club should invite concerned bankers concerned to the monthly meetings to discuss credit plan for the village. The club should also discuss loan delinquency and facilitate recovery of loans. Similarly the club in its monthly meetings should discuss all kinds of distress situations affecting the village and the concerned agencies may also be invited

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3 2 4.Vilage and household survey not envisaged 5.Annual maintenance for the club NABARD would provide annual per annum for the first 3 years and for the next 2 years the bank sponsoring the club may provide the maintenance expenses. However in North- Eastern states NABARD would continue to extend financial support to the club for 5 years, as a special case to promote the programme In addition to maintenance cost NABARD is providing following additional support. a) Rs2000/- per club for three years to NGOs/KVKs/AU etc. b) Rs.5000/- per cub for one year towards inauguration and BLOTP. c) Rs.1250/- per meet with experts for 4 meets per year for three years. 6.Award for best performing clubs The existing practice of awarding selected best three clubs be considered for study tour and award amounting to Rs5000/- and Rs3000/- and Rs.3000/- for 1 st, 2nd and 3 rd best clubs. The club promoting agencies may maintain a data base of each farmer family of the village through participatory rural approach exercise in a structured format. Illustrative formats are enclosed for use with suitable modification wherever required. With a view to reduce the dependence on NABARD and enhancing the stake of banks for developing a sense of ownership and ensuing clubs sustainability right from the formation of the club, it is decided that NABARD would provide grant support to various activities of farmers clubs for a period of 3 years on cost sharing basis from the first year it self. The pattern of cost sharing between NABARD and sponsoring banks for all the activities supported by NABARD would be as under: a) Commercial banks : 50:50 b) Regional rural banks and Co-operatives : 75:25 The club is expected to reach the stage of sustainability from fourth year onwards. The existing policy of 100% grant by NABARD would, however continue for North eastern states and Andaman and Niobar islands In addition to the awards at state level, there would be awards at district level also in those districts where number of active clubs are more than 100 clubs.the awards would be as under 1 st prize Rs.1000/- 2 nd prize Rs.750/- 3 rd prize Rs.750/- 3

4 All the branches and regional offices are advised to note the above policy changes in Farmers Club programme. However there is no change in the reporting formats. The existing formats can be used for reporting the activities of the clubs to the ROs/HO/ HO/NABARD. The Grant Assistance provided by the NABARD and the Bank for different activities is as follows: 3 A. Trainings for Farmers Club Members/ Coordinators. Bankers, Government officials The changes proposed in various training programmes and review meetings, etc, are presented below: Sl Name of the No. programme 1 Inauguration and BLOTP 2 Meet and Match programme Objective Duration Details of grant and duration Inauguration and to educate the members about the role, functions etc. of the club. To expose the farmers to various programmes with the help of experts and encourage them to identify locally suitable agriculture and income generating activities. One Day One day Rs.5000/- for both It will be named as Meet with Experts. There will be Max.4 meets per Year with expenses of Rs.1250/- per meet. B. Sensitisation and training programmes 1. Leadership development Programmes 2. District Level Sensitisation programme for Branch Managers/g overnment To explain about the characteristics leadership styles in rural set-up and also to provide skills needed for developing leadership qualities. Training programme for bankers and Government officials. Two days One day and once in a year Rs.10500/- for one-day programme. Amount enhanced to Rs.16000/- as this programme will be held for two (2) days because it is one of the most important Programme and it includes a visit to a Club with a poor performance record

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6 4 Further the branches / R.Os are advised to take note of the following 1. Conduct meetings at quarterly intervals and ensure that each club conducts a minimum of 4 extension programmes/activities in a year. 2. The dormant clubs should be activated and special thrust shall be given to revive dormant clubs. 3. Have a close liaison with the Agricuture department, Krishi Vignan Kendra s, Animal Husbandry Department and Agricultural Research Stations for conducting of extension programmes and to organize expert meets. 4. The branches which have not opened the clubs so far shall conduct survey of the selected village for opening of clubs and submit the progress to HO (CST) for obtaining permission from NABARD for opening new clubs 5. Regional Managers are advised to review the functioning of the clubs during their visits to the branches and ensure successful implementation of the clubs. 6. Each branch should have at least one farmers club by the end of March The union finance minister, during the RRBs Chairmen s meeting held at New Delhi on , has complimented our bank for the good performance recorded during the year He also advised other RRBs to emulate our bank in respect of farmers clubs and ensure to have at least one club by each bank. As on date there are 245 clubs in our bank and aiming to open 117 new clubs during the current financial year. In view of the importance given by the government, all the branches, which are not having clubs so far, shall initiate steps immediately to open the new clubs before December Required budget approval already been obtained from the board to wards our share for maintenance of the clubs as per the cited new policy. The branches concerned are advised to submit certain formats for reimbursement of expenditure for conducting various programmes through the Farmer s Clubs. The following Survey Formats and the reporting formats are enclosed. 1. Survey of Family (Annexure-I) 2. Request for sanction for Farmers Club from NABARD- (Annexure-I-A) 3. Format for village level information (Annexure-II) 4. Basic information/details of Club villages (Annexure-II -A) 5. Format letter to NABARD for financial Support Inauguration & BLOTP (Annexure-III) 6. Format letter to NABARD for Maintenance expenses (Annexure-IV) 7. Format letter to NABARD for support of meet with experts Programme (Annexure V) 8. Format claiming the incentive scheme letter to NABARD (Annexure-VI) 9. Format Quarterly Progress Report (ORQ-51)

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8 5 All the branches and ROs are advised to note the above and involve in opening of new clubs and for reviving of dormant clubs by conducting of various extension programmes for successful implementation of farmers club programme in the bank. Clarifications if any on this circular may be sought from chairmans Secretariat, Head Office Kadapa. (M.OBULESU) CHAIRMAN Encl: I to VI & ORQ-51 (24 pages)

9 ANNEXURE-1 1. Name of Club Member : 2.Village : 3. Tauka : 4. District : 5. State : 6. Family Activity : a) Main Activity : b) Subsidiary Activity : 7. Annual Income : ANDHRAPRAGATHI GRAMEENA BANK BRANCH FAMILY SCHEDULE 8. Social Group : OBC/BC/SC/ ST/Minority/Others 9. Family relations : Joint / Nuclear / Others (specify ) 10.Number of family members 11. Land Holding: a) Adult male No. b) Adult female No. c) Children members SL NO. Particulars AREA Irrigation Irrigated/ Nonirrigated 1 Total Land Owned 2 Cultivable Land 3 Cultivable Waste 4 Cultivable area 5 Leased Land 6 Leased out land Source

10 12. Live Stock Cir No.143/ 2007-BC-CST Date: SL NO. Particulars NO. 1. Cows a) Non Descript b) Improved c) Hybrid 2. Buffaloes a) Non descript b) Improved 3. Calves a) Cows b) Buffaloes 4. Work animals a). Bullocks b). He Buffaloes c). Others (Specify) 5. Goats (Herd Size) 6. Sheeps (Herd Size) 7. Poultry a). Layers b). Broilers 8. Others (Specify) a). b). c).

11 13. Equipments Machinery Tools etc. -3- SL No. Items Type No/s 1 Tractors 2 Power Tiller 3 Bullock Carts 4 Pump Sets 5 Others (Specify ) a). b). c). d). 14. Details of loans facilities availed from banks and other sources Sl. No Type of facility Purpose Date of Availment Amount (Rs..) Source 15. Future loan requirement Sl No Purpose Amount required * Remarks * Indicate when fund would be required Date : Officer (Advances) Branch Manager

12 ANDHRA PRAGATHI GRAMEENA BANK, BRANCH ANNEXURE I -A Request for Sanction Letter from NABARD on establishment of a Farmers Club ( VVV Club) Ref.No /FC/NB:HYD/200 DATE: The Chief General Manager National Bank for Agriculture and Rural Development, (Farmers Club Cell), Regional Office,1-1-61,R.T.C. X Roads, Musheerabad, P.B.NO. 1863, HYDERABAD A.P. Dear Sir, Request for Sanction for Farmers Club from NABARD We propose to establish the Farmers Club with under-mentioned details/information for the propagation of the five principles of Development through Credit. 1. a) Name of the designated Bank branch. b) Address: c) Telephone No: 2. Name of the Farmers Club and the village covered by it: 3. a) Name of the Chief Volunteer: b) Address: c) Telephone No: 4. Details of other Founder Member: SL No Name of the Coordinators Village Date of first loan Amount of first loan Purpose of the first loan

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14 -2- SL No Name of the Coordinators Village Date of first loan Amount of first loan (Any other details of all coordinators can be annexed separately) Purpose of the first loan 5. Other information/basic figures about the Club: (To be enclosed with letter as per Annexure 3) 6. Undertaking: Bank/Institution would like to establish this club so that development could take place through credit support and adoption of latest technology by the beneficiary in his avocation. We also undertake the responsibility for the maintenance of above mentioned VVV Club even after financial support from NABARD would no more be available for the Club. We request you to approve of the establishment of the above club and extend financial and other support for this Club as may be provided by NABARD under its VVV Programme. Signature and Name of Manager: Designation: Date: Seal

15 -3- Recommendatory Note of D.D.M./Link Officer of NABARD: Analytical Note of Link Officer in NABARD Regional Office: Approval by the Competent Authority under his signatures: Unique Identification Code Number (7 digit) Awarded to the Club by NABARD: Confirmation of recording in Computer in NABARD R.O. under signatures of data entering official and the Link Officer.

16 ANNEXURE-II ANDHRAPRAGATHI GRAMEENA BANK BRANCH PROFORMA FOR VILLAGE LEVEL INFORMATION 1. Village Name : 2. Block Name : 3. District Name : LOCATION 4. Distance from city : Kms. 5. Whether roadside village : Yes / No 6. Distance of village from Road : Kms. POPULATION 7. Total population : a). Male b). Female Total No. Of Families : 9. No. of Small farmer families : 10.No. Of big / other farmer families : 11.No. Of SC/ ST families : 12 No. Of Hindu families : 13. No. Of Muslim families : 14.No. of other religious families : INFRASTRUCTURE 15. Pucca road is available to the village : Yes /No. 16. Electricity : Yes /No. 17. School : Yes /No. 18. Primary Health Center : Yes /No.

17 19. Drinking Water : Yes /No 20. Veterinary dispensary : Yes /No 21. Distance from bank Branch : Yes /No 22. Source of irrigation : Canal / Submersible pump set/ Open Well EDUCATION 23. No. Of Graduates : 24. No. Of persons from 5 th to Plus Two / Intermediate. 25. No. Of persons from Ist std.to 5 th std. : ECONOMIC ACTIVITY OF THE VILLAFE 26. Names of crops grown : 27. Mention activities allied to agriculture : 28. Mention Non- Farm activities : MARKETTING 29. Agriculture produce sold through : a) Money lenders b) Middle men c) Commission agent d) Cooperative society e) Rural Haat g) Others ( specify ) 30. Mention Marketing channels for sell of non agriculture products : 2

18 3 CREDIT 31. Please rank the sources of funds with reference to timely and adequate availability : of credit a) Money lender b) Friends and relatives c) Self Helf Group (SHG )d) PACS d) RRB Branch e) Commercial bank branch f) DCCB branch g) PARDB h) Other (Specify) 32). Savings are kept with : a) SHG b) Bank branch c) Middle men d) Friends and relatives. e) Others 33). Other services available ( Specify ) : Date : Officer (Advances) Branch Manager

19 ANDHRA PRAGATHI GRAMEENA BANK BRANCH Basic Information/Details of Club Villages (For Collection at the time of Establishment of Farmers Club) 1. Name of the Club: 2. Development Zone/Name of the District: 3. Date of establishment of the Club: 4. Name of the nominated bank branch: ANNEXURE II-A 5. Details about the population of villages in the area of operation of the Club: Sl. No. Name of the Village(s) Men Population Women Total Population Out of total population No. of SCs No. of STs No.of small farmers No. of artisans No. of crafts persons No. of illiterate females 6. No. of families identified under Below Poverty Line (BPL) status 7. Major economic activities currently being pursued in the Club area under a) Agriculture b) Allied Sector (Horticulture/Floriculture/Vegetables/Poultry etc) C) Non-Farm sector

20 -2-8. Names of the poverty alleviation programmes and other developmental activities sponsored/implemented by State/Central Government in the Club villages. 9. Scope and potential for increasing the flow of credit to various activities (please indicate activity-wise names under farm sector as well as non-farm sector) 10. Is there any scope for promoting the existing handicrafts or other Non-Farm Sector activities in the Club villages? If yes, please indicate the names of the handicrafts/nfs activities and action required to promote the same. 11. Deposits, Loans and advances etc. Particulars Total Deposits Total Loans Disbursed Recovery Percentage Overall position of the bank branch POSITION IN CLUB VILLAGES Village 1 Village 2 Village 3 Village 4

21 -3- Basic amenities and infrastructure in and nearby the Club Villages: Do all villages have Pucca Roads YES NO Availability of Health Services(Name of Hospital) YES NO Are the villages on Milk collection route YES NO Are the villages electrified YES NO Availability of Canal as source of irrigation YES NO Availability of drinking water YES NO Availability of Primary School YES NO Availability of Secondary school YES NO Any NGO covering the villages under its operations YES NO Any other Development progrmmes in the villages (Names of programmes of Special Significance may be given) YES NO BRANCH: DATE: OFFICER(BM) SIGNATURE OF THE DESIGNATED

22 Sl.No District Name of the Club Unique Identification code No.of Club Name of the Bank Branch* Date No. of Partici-pants Amt. of expenditure Cir No.143/ 2007-BC-CST Date: ANNEXURE-III ANDHRA PRAGATHI GRAMEENA BANK BRANCH Format of Letter to NABARD R.O. FOR Financial Support:Inaugural Programme and BLOTP Ref.No. /FC/NB:HYD/2007 DATE: The Chief General Manager (FC Cell), NABARD, Regional office, ,R.T.C. X Roads, Musheerabad, Hyderabad (A.P.) Dear Sir, Request for Reimbursement of Expenses incurred by the Bank Branch on Organisation of Inauguration and BLOTP of Farmers Clubs We request you for reimbursement of expenses incurred by our Branch on inauguration and conduct of BLOTP for the VVV Club as per the details given below:- Details of Inauguration Programme Date Details of BLOTP No.of partici -pants Amt. Of expenditure Total Expenditure *Names of branches to be given when the claim is to be made for more than one branches by the Controlling Office of the bank.

23 -2- Please reimburse the amount mentioned above to us through the Bank draft payable at. The Bills/receipts/cash memo etc. relating to this expenditure are duly maintained by us at our branch level. We also undertake to abide by all conditions and rules/regulations of NABARD in respect of this reimbursement by NABARD under Farmers Club Programme. Yours faithfully, (DESIGNATED OFFICER) (BM)

24 Name of Club Cir No.143/ 2007-BC-CST Date: ANDHRA PRAGATHI GRAMEENA BANK BRANCH Format of Letter to NABARD:Financial Support: Annual Maintenance Expenses of Farmers Clubs ANNEXURE -IV Ref.No. /FC/NB:HYD/200 DATE: The Chief General Manager (FC Cell), NABARD, Regional office, ,R.T.C. X Roads, Musheerabad, Hyderabad (A.P.) Dear Sir, Request for Remitting Expenditure to be incurred on Maintenance of Farmers Clubs during the year We request you to kindly remit us an amount of Rs.3,000/-(Rupees Three thousand only)for meeting out the expenditure to be incurred on maintenance of VVV Club promoted by us, for the year as per the details mentioned below:- Sl. No Unique Identificati on Code No.of Club Date of Establishment Amt. Of Annual Maintenance received during the previous year Out of which amount expended Balance amount Amount demande d for Current year

25 Please remit us the amount as indicated above in advance vide a Bank draft drawn at. The bills and cash memo etc., in respect of expenditure to be incurred out of this amount shall be maintained at our branch level. We also undertake to abide by the conditions and rules/regulations of NABARD in regard to this expenditure under Farmers Club Programme. -2- Yours faithfully, (DESIGNATED OFFICER)(BM)

26 ANDHRA PRAGATI GRAMEENA BANK BRANCH ANNEXURE- V Format of Letter to NABARD: Financial Support for Meet with Experts Programme Ref. No. /FC/NB:HYD/ DATE: The Chief General Manager (FC Cell), NABARD, Regional office, ,R.T.C. X Roads, Musheerabad, Hyderabad (A.P.) Dear Sir, Request for financial support for Meet with Experts Programme We request for reimbursement of expenditure on Meet with experts Programme under Farmers Club Programme as per the following details: - PROGRAMME Name of Club MEET WITH EXPERTS PROGRAMME Unique Identification Code No. Branch Name and Address Date of Establishment of Club Date of organizing the programme No. of participants Major activities undertaken (Please enclose the details) Amount of Expenditure on Meet with Experts Programme The farmers and other villagers of Club villages, Co-ordinators and representatives of Bank/Extension Agencies/NGOs etc. had participated in this Programme. The list of participants is enclosed. An activity calendar on month-wise basis has also been finalized in the programme, which is also enclosed.

27 -2- The expenditure of Rs. (Rupees only) has been incurred on organization of this programme. The original Bills/receipts/cash memos are maintained at branch level. We request you to reimburse this amount to us by way of a demand draft payable at. Yours faithfully, (DESIGNATED OFFICER)(BM) Encl: I) List of Participants II) Month-wise calendar of Activities for the Club.

28 ANNEXURE -VI ANDHRA PRAGATHI GRAMEENA BANK BRANCH Farmers Clubs : Incentive Scheme:Format for Submission of Information to NABARD R.O. Ref.No. Date: 1. Name of Farmers, Club : 2. No.of Villages : 3. No.of Coordinators : 4. Date of launching of Club: PROGRESS REPORT FOR THE YEAR 5. Name of Bank & Designated Branch: 6. Information on meetings organised Date of No. of participants by the Club during the year under : Meeting Coordinators Officials others review. 7. Major Programmes organized by the Date Brief details of the programme Club during the year under review: 8. Details of Bank s Business: 9. Details of new crops introduced in the Club villages & area brought under such Crops: Details of SHGs organized by the Club: Name of SHG Village Date of Establishment

29 10. Details of formulation and implementation of Village Development plan:

30 11. Any other information including the innovative initiatives of the Club. 2 Name of chief Co-ordinator Name of the Associate Co-ordinator Name of Designated Officer of the Bank Branch. Signature of Branch Manager Note: This information should be sent to NABARD s concerned Regional Office by the Bank branch with appropriate recommendation of its Controlling Office and NABARD s DDM, during the month of April each year.

31 ORQ-51 ANDHRA PRAGATHI GRAMEENA BANK BRANCH Farmers, Club Programme Quarterly Progress Report on the functioning of clubs for June/September/December/March Name of the Club: Village: Mandal: District: 2. Names of villages covered by the Farmers club 1) 2) 3) 4) 3. No. of Club meetings held during the quarter under Report: 4. Level of attendance in meetings Sl. No Date of Meeting No. of participants Loans disbursed by the Branch in the villages covered by the Farmers Club during the quarter under report. ACCOUNTS AMOUNT (in 000) (A) (1) Crop loans (Pragathi Kisan Cards) (2) Loans for Agricultural & Allied activities (3) Total Agricultural loans (B) Non-Farm Sector Loans (C) Other Priority Sector Loans (D) Total Loans disbursement (Priority)

32 Of the above: -2- (i) SHGs A/cs Amount (in 000) (iii) General Credit Cards A/cs Amount (in 000) (ii) RMGs (iv) Pragathi Jai Kisan 6.A. Position of Demand, Collection and Balance of the branch as on preceding 30 th June. (Priority sector) Amt. In (000 s) Demand Collection Balance Particulars Short Term Term Total: No.of accounts Amount No. of accounts Amount No.of accounts Amount Recovery during the quarter: (Priority Sector) No. of accounts (a) Short Term Amount (in 000 s) (b) Term Total 6.B (I) Deposits mobilised during the quarter from the service area of the Farmers Club: Rs. (II) Total outstanding deposits of the Branch: (Public) Rs. 7. A brief account of developmental/extension activities like Farmers meet, Cattle fair, Animal Health Camps, Workshop etc., if any arranged (date-wise). Sl.No Date Activity 1 2 3

33 8. A brief account of important issues discussed in meetings of the Farmers Club, constraints identified and action taken: (Enclose separate sheet if necessary) -3- Sl. No Issued discussed Constraints identified Action taken 9. Progress in preparation/implementation of Village Development Plan (VDP) 10. Suggestions, if any, to improve the working of the Club: 11. Total Number of overdue accounts in the service area of the Farmers Club No. of Accounts Amount (Amt. In Rs.) 12. Out of the overdue accounts NPAs No. of Accounts Amount (Amt. In Rs.) 13. Expenditure on the maintenance of the Club: (I) Expenditure upto the last quarter of the Current year Rs. (II) Expenditure during the quarter Progressive total (1 April onwards) Rs Rs. 14.Training Programmes held (Specify the particulars in brief): Date Name of the Programme No.of trainees participated

34 15.Problems (specific) solved in the Club Villages using the forum of Club: 4 16.Dignataries associated during the quarter with the Farmers Club Programmes. Sl. No. Name Designation Date Date: Signature of Branch Manager