>>4<< Agenda 2 Follow up action on the decisions of the SLBC meeting dated

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1 >>4<< Agenda 1 Adoption of minutes : The minutes of State Level Bankers Committee meeting held on was circulated to all members. Since no request for amendment has been received, the house may adopt the said minutes. Agenda 2 Follow up action on the decisions of the SLBC meeting dated No. Action to be taken Action taken report 1. Agriculture lending in the State should be increased. AGL llending increased by Rs Cr over Sept 10 qtr. Details given under agenda no. 4 (Page no. 8 &9) 2. KCC/Crop loans sanction and disbursement should be major thrust area. All pending KCC should be cleared up and sanction to be given in all deserving cases immediately. Banks to furnish Branch-wise KCC loans detail data to Agri. production Commissioner, GoA, with a copy to SLBC convenor. 3 All banks with low CD Ratio must improve their performances. 4. All Banks must achieve their target under Annual Credit Plan for on quarter to quarter basis. 5. Credit to MSME sector should be increased by all banks. SIDBI to conduct more workshop and adequate publicity through newspaper and other media 6 Banks to confirm to SLBC convenor having issued instructions to branches to implement RBI guideline of extending collateral free loan upto Rs. 10 lakh for MSME sector. As against the revised target of KCCs to be issued, no. of new cards issued up to Dec 10 is Details given under agenda no. 4 (Page no. 8 & 9). No information received from banks regarding submission of branch-wise data to APC, GOA except SBI. Details given under agenda no. 3 (Page no. 6 ) & bankwise position given in page no. 22. Details given under agenda no. 5 (Page no. 9). Bank-wise position given in page. no. 29 & district-wise position in page no. 58 to 69. Status under agenda no. 6 (Page no. 10) & Bank-wise position in page no. 54. SIDBI to appraise. SBI has already issued the instruction to all its branches/offices. Other banks are requested to appraise the house.

2 >>5<< 7. PMEGP: All pending proposals with banks should be cleared up, so that 75% of the target could be achieved within December Banks to implement the Financial Inclusion of villages with population of above 2000 as per road map within time line. Expenditure incurred for setting up of CSP by BC will also be funded by NABARD. 9. ISHUP: More effort required to be initiated by all stake holders to activate the scheme. 9a. Stamp duty for loans under ISHUP to be waived. 10. a) RSETIs: Banks which have not yet approached District Authorities for land allotment should do so at the earliest. b) Canara Bank to set up RUDSETI in Nagaon district. 11. FLCC: Banks to set up FLCC in all Lead Districts and also avail the incentives as per NABARD. 12. Holding of SLBC meeting in time: Timely submission of data by all Banks within 15 days of end of each quarter to SLBC convener Bank. Gear up all mechanism to expedite data flow so that meeting for Dec,10 quarter can be organized within Feb,11. Bank-wise status given in page no. 32. KVIC is requested to appraise districtwise position in the house. Status of achievement given under agenda no. 8(b) in page no. 11 to 13. Details given under agenda no. 12(Page no.18). Revenue Department, GoA is requested to appraise the house. a) Status given under agenda no. 11 (Page no. 16 & 17). b) -do- For SBI the only district, Bongaigaon has been identified by Advisory Board of FIF in Assam and it is under process to form the society at Head Office level to enable us setting up FLCC thereat. No information received from other banks. They are requested to appraise the house. The SLBC meeting for quarter ended Dec 10 is organized today. SLBC calendar with stipulated timelines in all respects as per RBI recent guidelines has already been prepared by convenor bank w.e.f. quarter ending March 2011 which is being appraised to the house.

3 >>6<< 13. a) Unbanked Blocks to be covered by setting up of CSP. b) Shifting back of Bank branches/opening new branches within in unbanked blocks created due to shifting of branches. 14. Financial Inclusion: Re-allotment of villages to Banks should be discussed and approved in DCC. 15. Crop Insurance: Paddy has enlisted as notified crop in Kamrup(Rural) and Dhubri District. KCC granted up to 31/01/2011 should compulsorily be covered under Crop Insurance within 28/02/ Education Loan under Interest subsidy scheme: Notification to be issued by GoA for authority to issue of Income Certificate. Details given under agenda no 10 (Page no.15). -do- LDMs of districts have already been advised in the matter and reports received from them time to time are included/amended accordingly. Details given under agenda no. 13 (Page no.18 & 19). Agri. Insurance co is requested to appraise the house about updates. DIF, GOA is to appraise. Agenda 3 Development in Banking Operation in the State: Deposits : There is increase in aggregate deposits by Rs crores during the quarter ending Dec 10 over the Sept 10 level which worked out to 4.89% increase. (Shown in page no. 21) Advances : There is increase in aggregate advances with Rs crores during Dec 10 quarter over and above Sept 10 level which worked out to 3.85% increase. (Shown in page no. 21) C D Ratio : C D Ratio has decreased from 44.07% as on Sept 10 to 43.63% as on Dec 10. The following banks have registered improvement in CD Ratio during the quarter. Central Bank(18.57% %), HDFC Bank(202.76% %), IDBI (151.93% %), State Bank of India (44.61% %), LDRB (55.60% %), Apex Bank(23.62% %) and AGVB(46.63% %).

4 >>7<< The following Banks with less than 20% C D Ratio, must implement their strategies urgently. Andhra Bank (15.72%), Bank of India (18.79%), Punjab & Sind Bank (17.25%) Canara Bank (18.84%), Central Bank of India (19.28%), Dena Bank (19.87%) & Union Bank of India (17.75%) (a) Total No. of Banks operating in the State : 30 (b) No. of Banks with CD Ratio less than 20% : 7 (c) No. of Banks with CD Ratio between 20% to 30% : 6 (d) No. of Banks with CD Ratio between 30% to 40% : 3 (e) No. of Banks with CD Ratio above 40% : 12 Bank-wise position of Deposits, Advances, and C D Ratio are given in Page no. 22. The District wise position of comparative C D ratios as on 31/03/2010 and 31/12/2010 are given hereunder. Business Figures as on 31/12/2010 C D Ratio Rs. In crores As on 31/12/ 10 As on 31/03/ 10 Sl No. Name of the District Deposit Advances 1 Dibrugarh Tinsukia* Formed 3 Dhemaji* Lakhimpur* Nagaon Dima Hasao Positi on of forma tion Last date of meeti ng of 7 Karimganj Nalbari* Dhubri Goalpara Sonitpur* Bongaigaon Karbi Anglong Darrang Morigaon Jorhat* Cachar Formed 18 Hailakandi Sibsagar* Golaghat* Barpeta* Kamrup Metro Formed Kamrup Kokrajhar* Formed

5 >>8<< 25 Udalguri Baska Chirang SSC (Spl. Sub Committee) is to be formed in the district where C D Ratio is below 40%. * Data not submitted. Previous data repeated. SUMMARY OF CD RATIO (Analysis) CD Ratio of all banks is 43.63% against the RBI norm of 60%. CD Ratio 60% and above in 2 districts. CD Ratio between 40% to 60% in 21 districts. CD Ratio below 40% in 4 districts, namely Tinsukia, Kamrup(M), Cachar and Kokrajhar. CD Ratio slipped to below 40% level for Tinsukia, Cachar, while improved in Dhemaji (52% to 60%), Golaghat(54% to 57%), Baska (47% to 53%) during the year. Special sub-committees under DCC are formed in the districts where CD Ratio is below 40%. DCC is to monitor implementation of ACP to improve C D Ratio. Lead District Officers to ensure correct reporting of ACP performances by all Banks. Priority Sector Advances : Positive growth of Rs crores recorded during Dec 10 quarter over Sept 10. The percentage of growth is 7.57%. (Shown in page no. 21) Bank wise position of Priority Sector Advances is given in page no. 24 of this booklet. Agenda-4 Agricultural Advances : Positive growth of Rs crores recorded up to Dec 10 over Sept 10. The percentage of growth is 4.87%. (Shown in page no. 21) Bank wise position of Agricultural Advances is given in page no. 25. Flow of credit to Agriculture Agricultural advances at the end of Dec 10 are Rs Cr. (Inclusive of investment of RIDF), which is 17.81% of total advances as shown in page no. 13 (RBI benchmark is 18%). Net increase in agriculture sector during April to Dec 10 is Rs. 334 Cr., as the figure for April to Sept 10 was 139 Cr. as shown in page no. 21. Outstanding % of AGL advances Crop Loans : Rs Cr. 24% Term Loans : Rs Cr. 76% Total : Rs Cr.

6 >>9<< New Loans sanctioned during the year up to Dec 2010 Crop Loans Term Loans Total Revised Target for KCC during the year No. of new card issued (KCC) Cumulative position of KCC issued Rs. 265 Cr. Rs. 395 Cr. Rs. 660 Cr Nos Nos. Crop loan Recovery % 73% Agri- loans Recovery % 66% District- wise KCC target and performance are placed in page no. 57. Bank wise performances under Crop Loans and KCC are furnished in page no. 28 and 35 respectively. Agriculture loan outstanding and recovery performances are placed in page no. 25. Agenda-5 Review of performance under A C P Comparative position Rs. In Crore Particulars As on Dec 2009 As on Dec 2010 Target for the year Rs Cr. Rs Cr. Achievement Rs Cr. Rs Cr. Percentage 70% 64% Summery Segment-wise Rs. In Crore As on Dec 2009 As on Dec 2010 Sector Target Achiev % Target Achiev % Agri Total Crop Loans Industry Services Major Banks with low achievement percentages are as under:

7 >>10<< Bank No. of Branches % of Achievement upto Dec 10 CBI UNI CAN UCO Agenda 6 Review of progress of financing under MSME sector The overall growth during the quarter is Rs. 342 Crore, which is 6.58% over Sept 10 level. The sub-segment wise growth is as under: Sub-segment Growth (Rs. In Cr) Growth % over Sept 10 level Micro Enterprises Small enterprises Medium Enterprises 34 3 Negative growth contributed mainly by UBI (Rs.192 Cr.) & AGVB(Rs.4 Cr.) The bank wise performances are placed in page no. 54. Micro and small enterprises to continue as thrust area. Big ticket advances under this sector to be encouraged; otherwise improvement on CD Ratio would be difficult. SHG Credit Linkages (Direct): The performance in direct SHG Credit Linkage during the quarter is as under: Target (No) Achievement % of achiev. No. SHGs credit linked Amount of loan Rs. 34 Crore disbursed Bank-wise position is placed in page No. 34. Agenda 7 Implementation of SGSY Scheme Bank-wise performance of loans sanctioned under SGSY Scheme is placed in page no. 30.

8 >>11<< Agenda 8 Committee on Financial Sector Plan (CFSP): (a) Progress report as on The status report as on Dec 10 received from 11 districts identified for 100% Financial Inclusion is furnished below: Sl No Name of district Lead Bank No. of house - holds Household covered as on June 2010 Household covered as on Sept 2010 % of Household covered 1 Bongaigaon SBI Karbi Anglong* SBI N C Hills SBI Chirang SBI Baska SBI Udalguri SBI Barpeta UCO Goalpara* UCO Lakhimpur* UBI Golaghat UBI Nagaon* UBI * Data for Dec 10 not submitted. Barpeta & Golaghat districts have covered 100% households in the district. The Bank wise position of CFSP is shown from page no. 70 to 75. (b) FINANCIAL INCLUSION: Providing Banking Services in Every Villages having Population of over 2000 by March 2012 I - BANKWISE STATUS up to Dec 2010 : SL. No. No. of villages allotted for No. of Villages covered Name of Banks alloted 1 AGVB Central Bank Punjab National Bank State Bank of India Syndicate Bank U CO Bank Union Bank Vijaya Bank Allahabad Bank Bank of Baroda 0 0

9 >>12<< 11 AXIS Bank Dena Bank Federal Bank United Bank of India ICICI BANK Indusind Bank Indian Bank Bank of India Indian Overseas Bank LDRB 12 0 Total II- DISTRICTWISE STATUS SL. No. Districtwise allotment of Villages No. of Villages allotted for No. of villages covered upto Dec Baksa Barpeta Bongaigaon Cachar Darrang Dhemaji Dhubri Dibrugarh Goalpara Golaghat Hailakandi Jorhat Kamrup Kamrup Metro Karbi Anglong Karimganj Kokrajhar Lakhimpur Sonitpur Tinsukia Udalguri Morigaon Nagaon Sibsagar Nalbari Chirang 4 0 Total

10 >>13<< III. Villages covered up to Dec 10. SL.No. Name of the District Name of the villages covered 1 Barpeta Gunialguri and II Para (Kumulia Para) 2 Darrang Dalgaon Town,Bechmari(AGVB), Nizsiphajar(AGVB) and N.C.Gasbari 3 Dhubri Kkaruabanda, Dharamsala ptiv, Nayaralga, Balajan, Lakhimari Part-III, Kazaikhola Pt.VI, Boro Charaikhola, Bhimapara, Fakamari pt-ii, Fakamari 1, Uttar Tokerechera pt-1, 4 Goalpara Simlabari, Gumaijhar, Jaybhum and Kal Pani Chandmari 5 Golaghat Diffloo Pathar, Dakhin Dolijalia, Missamora Bagicha, Gomariguri, No. 1 Negheriting Grant, Lakhijuri and Khonikor. 6 Jorhat No. 44 Turung Grant, Dhekiajuli T.E., No.3 Block, Chouding Gaon, Bibejan Gaon, Kachukheti Lakhera, Hazari Gaon, Borholla T.E., Bahfalla Gaon, Porbotia Gaon, Bhatemora Gaon, Nowsolia Gaon, Bali Chapari Gaon, 2 Kawoimari Gaon, Maleng Grant Gaon, Bhokat Gaon, Borsoycotta Grant, Kharikatia Grant, Halfmile Bell and Nambar Bagan. 7 Kamrup Panikhatia, Bondapara, Bargaon, Na-para Pacharia and Dakuapara. 8 Kamrup Metro Maloibari Jangal, Amingaon and Amsing. 9 Karbi Anglong Nambar Bagan and Hallo Khuwa. 10 Karimganj Badarpur 11 Kokrajhar Babubil, Bhairiguri, Nepalpara and Srirampur(AGVB). 12 Lakhimpur No. 1 Barchala, No2 Barchala and Pandhowa 13 Sonitpur No.4 Singari Bagan Gaon, Bhir Gaon, Singari Bankgali Gaon, Lakhpura Gaon, No2 Tarajuli, No.1 Sonajuli T.E., No. 2 Dhendal T.E., Parowa Gaon., 14 Tinsukia Philobari T.E.(Dar No.2) pt-1, Chapakhowa, Mankhowa Gaon, Kakapathar Town and Matie Khana Gaon 15 Morigaon Amighart.(AGVB) 16 Nagaon Rangalu Basti, Bengeneati, Kawoimari, Mauzadar Gaon, Hariamukh, Sarkey Bosti, Kawoimari, Udali Gaon, Borpeta, Dighaldari, Dakhin Bidyanagar, Ranga Gara Huzz, Kandhuli Mari No. 1, Kandhuli Mari No. 2, Bogabil, Sonaribail, Kanuamari, Tekii Pota and Dighali Ati. 17 Sibsagar Sapekathi(AGVB), Naphuk Gaon, Abhoypuria Gaon, Mathurapur Grant, Barbam Grant, Jugal Gaon, Dlakakhoria Bam, Na-pam Baroki, Hulang Katoni, Roja Bheta Lakhimijam, Pahuchngi Deodha, Garmu Miri, Hatimuri, Naharhabi Grant and Aideubari Bagicha Grant. 18 Nalbari Khudra Makhibaha, Hari Bhanga and Bhojkuchi.

11 >>14<< Agenda 9 Credit flow to of Minority Communities (i) The Assam Minorities Development Corporation (AMDC) is the State Channelising Agency of National Minorities Development and Finance Corporation (NMDFC) nominated by Govt. of Assam for implementing the schemes of NMDFC in the state of Assam. The AMDC is advised to come up with the schemes to increase the credit flow to minority communities in the state. Govt. of India, Ministry of Welfare, has notified the following as minority communities: (i) Muslims, (ii) Christians, (iii) Sikhs, (iv) Buddists, (v) Zoroastrians. Assam State has the following 13 districts having minority concentration : (1) Bongaigaon, (2) Dhubri, (3) Goalpara (4) Barpeta, (5) Hailakandi, (6) Karimganj, (7) Nagaon, (8) Morigaon, (9) Darrang, (10) Cachar, (11) Kokrajhar, (12) N.C.Hills & (13) Kamrup. The status reports received from the following districts are furnished below: Rs. In Lacs Name of Muslims Christians Sikhs Buddhists Total % to P S district adv No Amt. No Amt. No Amt. N Amt No Amt. s o Barpeta* Karimganj Cachar Nagaon Morigaon Goalpara* Darrang Dhubri Bongaigaon Hailakandi Kokrajhar* Kamrup Dima Hasao * Data for Dec 10 not submitted. Previous data repeated. All districts have achieved target of 15% Priority Sector lending benchmark stipulated. The Bank-wise status report on lending to Minority Communities in placed in page no.56.

12 >>15<< Agenda -10 Unbanked Blocks REVIEW OF COVERAGE OF UNBANKED BLOCK FOR PROVIDING BANKING SERVICES IN THE STATES OF ASSAM Sl No Name of District Name of Unbanked Block Allotted to Bank Coverage by Br/ BC model Present status and action plan for coverage 01 Dhubri Birshing Jarua AGVB BC model It was scheduled to open by , but AGVB informed over telephone that by the end of Feb, 2011 it may be possible to cover by BC model. 02 Nayer Alga AGVB BC model Since covered in the month of Sept, Jamadarhat ALB Branch LDM Dhubri district informed that Allahabad Bank Porabhita Branch has been shifted to Dhubri as a result of which the block has become unbanked. Matter discussed in the SLBC meeting held on and allotted to Alahabad Bank for shifting back of their branch to Jamadarhat block within Mar, Baksa Dhamdhama AGVB Branch Not unbanked. The General Manager, AGVB informed in last SLBC that they have a branch namely Dhamdhama Branch and is functioning there. 05 Gobardhana SYN Branch The Block has become unbanked due to shifting of Syndicate Bank, Bashbari Branch to Barpeta Road. Matter discussed in the SLBC meeting held on for shifting of their branch to Gobardhana Block within Mar, Kamrup (Rural) 07 Karbi Anglong Goroimari PNB Branch The block has become unbanked due to shifting of PNB Goroimari Branch to Bongaon Block. Matter discussed in the SLBC meeting and PNB informed that they have already set up BC (CSP) in Goroimari block and is functioning. Socheng LDRB Branch The block has become unbanked due to shifting of SBI Jirikingding Branch to Kheroni in Rongkhang block vide RBI Licence No.BL/01/2002 dt Matter discussed in SLBC meeting held on and allotted to LDRB for opening a branch in Socheng Block within March, 2011.

13 >>16<< Agenda-11 Progress made so far and action to be taken up for setting up of RSETIs in Assam. The present status as received from different banks is as under: Name of the Bank/Financi al Institutions Districts Alloted Status of setting up of RSETI Status of land allotment 1. NEDFI Nalbari Opened on Yet to be allotted In rented premises (Trained 400) Dibrugarh Yet to set up Advised to explore the possibility in ITT campus. 2. SBI Baksa Opened on In rented premises (trained 330: Bank linkage 104/wage employment 37) Udalguri Proposed to open shortly. Chirang Karbi Anglong Proposed to open shortly. Yet to set up MoRD has released Rs.50 lacs out of grant of Rs.1 crore. P&E Dept. of SBI, LHO is already on the job of processing the construction of RSETI at KUMARIKATA, Baksa district. 2 Bighas of land has been given possession; claim submitted to NIRD for release of grant. (3 Bighas) of land has been given possession; claim submitted to NIRD for release of grant. Advised to explore the possibility in ITI campus. Taken up the matter of allotment with the Principal Secry, Karbilong/N.C.Hills N.C. Hills Yet to set up do 3. UBI Lakhimpur Opened In rented Yet to be allotted premises on Dhemaji Yet to set up do Hailakandi Yet to set up Land identified & expected to be handed over shortly. Cachar Opened In rented Yet to be allotted premises on Karimganj Yet to set up Land identified & expected to be handed over shortly. Sibsagar Yet to set up Yet to be allotted Morigaon Yet to set up do Golaghat Yet to set up do 4.Canara Bank Nagaon Yet to set up To set up RUDSETI. Commissioner,P&RD has taken up the issue of land allotment with the DC, Nagaon. 5. AGVB Kamrup (R ) Yet to set up Yet to be allotted Kamrup (M) Yet to set up Principal Secy, P&RD, GoA has requested Commissioner, P&RD to expedite the process of land allotment since AGVB expressed concern over delay in Land allotment.

14 >>17<< Sonitpur Opened on In rented premises (trained 105) Jorhat Proposed to open shortly Advised to explore the possibility in ITI campus. 3 bighas of land identified. Principal Secry, P&RD, GoA has requested Commissioner, P&RD to expedite the process of land allotment since AGVB expressed concern over delay in Land allotment. Yet to be allotted Land allotted. Building identified for temporary functioning. Bongaigaon Yet to set up 6. CBI Tinsukia Proposed to open shortly. 7. UCo Bank Darrang Yet to set up Yet to be allotted 9. UCO Kokrajhar Opened In rented Land allotted in isolated area. premises Barpeta Opened In rented Yet to be allotted premises Goalpara Proposed to open Land allotted. shortly. Dhubri Yet to set up Yet to be allotted Issues: (a)the process of land allotment and handing over the possession to Banks by the State Government is to be completed immediately, otherwise Nodal Agency is not reimbursing the rent of the premises or granting fund for construction RSETI. (b)drdas are to be more proactive in identification of trainees, so that capacity created is fully utilized. DRDA should reimburse recurring training expenditure for BPL trainees as per MoRD guidelines.. DRDA, Baksa has reimbursed training expenditure of BPL candidates to SBI-RSETI, Kumarikata up to the quarter Dec 2009 and the matter of reimbursement pending at DRDA, Baksa, Musalpur from the quarter March 10 onwards has been taken up with the Commissioner, P&RD Dept. & DRDA, Baksa. (c) RSETI trained youth to be given priority while selecting candidates under SGSY Scheme. List of trained candidates sent to DRDA and P&RD Deptt. for sponsoring under Govt. Schemes. MoRD desires that the trained youth from the RSETIs should get the credit facilities not only from the RSETI sponsored Bank but also from any Bank operating in the district. In the event of rejection of the loan applications of RSETI trainees, it shall be at the higher level and not at the branch level. (d).mord has advised that wherever there is difficulty in allotment of land, the State Govt. may provide land to Banks on long term lease (preferably 90 years with minimum 33 years) with a MOU in the prescribed format as done in the State of Kerala, either free of cost or on normal charges. States may go ahead to establish RSETIs on 0.5 acre of land in plain areas and on 0.37 acre of land in hilly areas. Agenda 12 Interest Subsidy Scheme for Housing the Urban Poor (ISHUP)

15 >>18<< Present status: The information received from three different districts so far is as under: Name of district Application received Sanctioned Pending Dhubri Dibrugarh Nagaon State Govt may examine the exemption stamp duty and registration fees/ mortgage fee in the line of Govt. of Andhra Pradesh and Tamilnadu for loans to the beneficiaries under the Scheme. NHB representative is requested to appraise the house about further developments, if any, in the matter. Agenda 13 Agriculture insurance Scheme A comparison of crop loan disbursed versus crop loan insured under NAIS in Assam between Kharif 2009 and Kharif 2010 as received from Agri. Insurance Co. of India Ltd is appended below: Sl. No. CROP LOAN DISBURSED Vs CROP LOAN INSURED UNDER NAIS IN ASSAM In Lakh Rs. KHARIF 2010 (April 2010 to KHARIF 2009 (Apr 2009 to Sep 2009) Sept 2010) % Crop % Crop Crop Loan Crop Loan Crop Loan Crop Loan Loan Loan Disbursed Insured Disbursed Insured Insured Insured Bank 1 Allahabad Bank % % (Ghy ZO: 64.4, Dbr ZO: 71.8) 2 Andhra Bank Bank of Baroda % % 4 Bank of India % % Bank of 5 Maharashtra Canara Bank % % Central Bank of 7 India % % 8 Dena Bank HDFC Bank 0 0

16 >>19<< 10 Federal Bank ICICI Bank IDBI Bank Indian bank % % 14 Indusind Bank 0 0 Indian Overseas 15 Bank % % 16 Oriental Bank of Commerce Punjab National Bank % % 18 Punjab and Sind Bank % 19 State Bank of Bik. & Jaipur State Bank of India % % Standard Chartered 21 Bank Syndicate Bank % % 23 United Bank of India % % (C. Ass.:226.8 Nagaon:93.3 Cachar:34.3 Sibsagar:2.7 Dbr: UCO Bank % % (Ghy ZO: 3.2, Jrt ZO: 12.0) 25 Union Bank of India % % 26 Axis Bank Vijaya Bank % % Assam Gramin 28 Vikash Bank % % 29 Langpi Dehangi Rural Bank % % 30 Assan Co-op Apex Bank % % Grand Total % % Note: Crop Loan Disbursed figures are as per SLBC, Assam. National Agricultural Insurance Scheme (NAIS) and modified NAIS for Rabi Assam State as received from AICIL are given in page no. 80 & 81 for information in the house. Agenda 14 Pradhan Mantri Adarsh Gram Yojana (PMAGY)

17 >>20<< A new centrally sponsored pilot scheme for integrated development of thousand select villages with more than 50% Scheduled Caste population has been launched by Ministry of Social Justice and Empowerment, Govt. of India. The copy of guidelines has already been sent to all member banks by SLBC Convenor, Assam. We request all banks to actively participate in the implementation of the scheme in coordination with the concern departments of State Government. The department representative of GOA is requested to appraise the house about the role of banks in the Scheme. Agenda 15 Proceedings of State Credit Seminar The representative from NABARD is requested to appraise the house in details. Agenda 16 SLBC calendar for state of Assam w.e.f. qtr. ending March 11 to Dec 11 As per directives of the Reserve Bank of India and Govt. of India, the calendar for holding SLBC meetings of Assam have been prepared by us as under: Quarter Date of sending reminder to Banks for submission of data Deadline for receipt of information /data/by SLBC convenor Bank Distribution of Agendacum Background paper Date of holding SLBC meeting Date of forwarding the minutes of the meeting to all stake holders March June September December All members are requested to diarise accordingly to enable us conduct the meeting in