4th SLBC Meeting Agenda Index. Adoption of Minutes Adoption of minutes of th SLBC meeting held on 4//06 and adoption of minutes of other meetings of SLBC held on various dates. Page No. 0... Banking Network in State of Telangana Banking Network at a Glance in Telangana Comparative Position of branches Sector-wise network of branches as at //06 0....4.5 Banking Statistics Banking at a Glance in Telangana as at //6 Highlights of performance of banks Banking Key Indicators in Telangana State Deposits & Advances Comparative position Statement of Priority Sector Advances Outstandings 4 5 5 4 4. 4. Achievement of Annual Credit Plan 06-7 Achievement as on..6 Banks performance Achievement of targets - during the year up to //6 8 8 5 5. 5.. 5.. Agriculture Sector Progress in lending short term production loans Short Term Crop Production Agri. Term Loan Lending incl. Allied activities; agri. Infrastructure and Ancillary 9 0 0 5.6 5.7 5.8 5.9 5.0 activities Agriculture Category-wise total agriculture advances Dairy Entrepreneurship Development Scheme (DEDS) Continuation of the scheme for the financial year 05-6 Pledge financing against Negotiable warehouse receipts (NWRs) Performance up to June 06 Allocation JLG Targets (Bhoomi Heen Kisan) for the year 06-7 Vaddi Leni Runalu (VLR) & Pavala Vaddi Scheme (PVS) on crop loans Reimbursement of VLR / Pavala Vaddi claims to banks Prime Minister Fasal Bhima Yojana & Whether Based Crop Insurance Scheme Prime Minister Fasal Bhima Yojana - Notification of crops and areas (district- 5. wise) for Rabi-06-7 Restructured Whether Based Crop Insurance Scheme Notification of Mango 5. 5. Crop in all districts. PMFBY Implementation during Rabi 06 season Extension of last data of submission of applications and debit / deposit of 4 5.4 premium by farmers under PMFBY during Rabi 06 season Updatation of reorganised district-wise bank branches / master file of GOI Crop 5 5.5 Insurance portal Data submission on Relief measures extended by banks in areas affected by 5 5.6 Natural Calamities Over-dues / NPAs under Agriculture Sector as on..06 5 5... 5. 5.4 5.5 0 0
6 6.. 6.. 6.. Micro, Small & Medium Enterprises (MSME) Sector Outstanding Micro, Small & Medium Enterprises Priority sector Outstanding Micro, Small & Medium Enterprises Non-Priority sector Outstanding Micro, Small & Medium Enterprises Priority & Non-Priority 7 7 8 6. 6. 6.4 6.4. 6.4. 6.5. 6.5. 6.5. 6.5.4 6.5.5 6.6 sector Overdues / NPAs under MSME sector..6 Task Force Recommendations PMEGP Targets & Achievement as on //6 Operating PMEGP online portal by financing banks Submission of pending MM claims by banks Pradhan Manthri Mudra Yojana (PMMY) Performance up to Dec. 06 District-wise performance under Mudra scheme Sector-wise performance under Mudra scheme Mudra Scheme - sanctioned to various categories Mudra Scheme Performance of top0 banks Pradhan Manthri Stand-Up India Scheme 9 0 4 4 7 7. 7. 7. Housing Loans Position of housing Loans as on //6 Over dues / NPAs under housing loans //6 Housing for all (urban) under Pradhan Manthri Awas Yojana (PMAY) 6 6 6 8 8. 8. 9 9. 9. Education Loans Position of Education loans as on //6 Overdues / NPAs under Education Loans as on //6 Credit flow to Minority Communities Credit flow to Minority Communities as on //6 Overdues / NPAs under loans to Minority community as on //6 0 0. 0. Credit flow to Weaker Sectors Credit flow to Weaker Sections as on //6 Overdues / NPAs under Loans sanctioned to Weaker Sections as on //6 7 8 8 8 9 9 Credit flow to SC/STs.. Credit flow to SC/STs as on //6 Overdues / NPAs under loans to SC/STs as on //6 9 40.. Credit flow to Women beneficiaries Credit flow to Women beneficiaries as on //6 Overdues / NPAs under loans to Women beneficiaries as on //6 40 40....4.5 Government Sponsored Schemes Government of India SHG Bank linkage under NRLM as on //6 Overdues / NPA position (NRLM) as on //6 SHG Bank linkage under NULM programme //6 Over / NPA position NULM as on //6 Position of implementation of government sponsored schemes during the 4 4 4 4 4.6.7 financial year 06-7 Central Government. Flow of credit under DRI scheme as on //6 Overdues / NPA position under DRI scheme as on //6 4 4
4 4. 4. Government sponsored Schemes Government of Telangana Targets 06-7 (all state government sponsored schemes) Position of State Government sponsored schemes (all schemes) as on 4 4 4. //6 Performance / Disbursement of Loans under Government sponsored scheme- 4 4.. 4.. 4... 4..4 4..5 5 wise as on //6 Fisheries Performance upto //6 TS Backward Classes Co-op Finance Corporation Performance as on //6 TS Minorities Finance Corporation Performance as on //6 TS SC Co-operative Finance Corporation Ltd Performance as on 0/06/6 TS TRICOR Economic Status as on..6 44 44 45 46 47 5. Financial Inclusion Road Map for Providing Banking channels / services: Roadmap for opening brick and mortar branches in villages with population 47 5. more than 5000 without bank branch of a scheduled commercial bank National Mission on Financial Inclusion Plan Pradhan Mantri Jan-dhan 48 5. 5.4 5.5 Yojana (PMJDY) performance up to //6 District-wise progress report on PMJDY accounts as on 7.0.7 Deployment of Bank Mithras Performance of Social security / insurance schemes launched by Govt. of 48 49 49 5.6 India Unbanked mandals / Mandals with no bank branches in Mandal Head 49 5.7 5.8 5.9 5.0 5. 5. 5. 5.4 5.5 5.6 quarters Opening of branches in Tribal areas Online VIP reference tracking module with banks / SLBC Installation of ATMs Financial Literacy centres (FLCs position) Availability of standardized financial literacy material of RBI at FLCs Financial Literacy activity by rural branches and FLCs FLC Revised formats for submission of data Rural Self Employment Training Institutes in Telangana (RSETIs) RSETIs Pending reimbursement of claims Opening of bank branches in Left Wing Extremism (LWE) affected districts 49 49 50 50 5 5 5 5 5 5 5.7 Khammam District Need for expediting Aadhaar seeding into bank accounts of Mahatma Gandhi 5 5.8 NREGA workers by banks Success stories of RSETIs 54 6 6. 6. 6. Lead Bank Scheme Attendance in JMLBC / DLRC / DCC meetings Information to be submitted quarterly by banks and LDMs Lead Bank Scheme Sensitization Programme for District Collectors / CEO of 58 58 58 Zilla Parishads 7 7. 7. Overdues / NPAs position of various sectors / schemes Overdues / NPAs position as on..6 under various sectors Overdues / NPAs total position as on..6 under State Government 59 6 7. sponsored schemes (all schemes) Overdues / NPAs position as on..6 under State Government sponsored 6 4
7.4 scheme-wise Overdues / NPAs position as on..6 under Central Government 64 sponsored scheme-wise 8 8. 8. 8. 8.4 8.5 8.6 8.7 8.8 8.9. Regional Rural Banks (RRBs) Performance of Regional Rural Banks on important parameters Network in Telangana Deposits Advances CD Ratio Agri. Advances % in total advances Break-up - Agri. Advances Comparative position of Crop Loans Comparative position of Agri. Term Loans 65 65 65 66 67 67 68 68 68 9 9. 9. Other Agenda items to be discussed To include Equitas Small Finance Bank Ltd as a member IN SLBC Relief measures to be extended to farmers / agriculture / MSME sector in lieu 69 69 9. of demonetization Relief measures sought by Telangana Poultry Industryt 69 0 0. Circulars issued by Reserve Bank of India/NABARD/GoI/GoT Circulars issued by RBI / NABARD / Govt. of India / Govt. of Telangana 70....4.5.6.7.8.9.0 Annexures Bank-wise number of branches, deposits, advances District-wise number of branches, deposits, advances Bank-wise Deposits; Advances & CD Ratio District-wise Deposits; Advances and CD Ratio Bank-wise Priority Sector Advances District-wise Priority Sector Advances Bank-wise Agriculture Advances (Direct & Indirect) District-wise Agriculture Advances (Direct & Indirect) Annual Credit Plan 06-7 : Bank-wise achievement (Agriculture) Annual Credit Plan 06-7 : Bank-wise achievement (MSE & Priority.. Sector Advances) District-wise achievement of Annual Credit Plan 06-7 (Agriculture) District-wise achievement of Annual Credit Plan 06-7 (MSE & Priority..4.5.6.7.8.9.0....4.5.6 Sector Advances) Bank-wise Micro; Small & Medium Enterprises (MSME) advances Bank-wise Housing Loans Bank-wise Education Loans Bank-wise Education Loans targets allocated in the State of Telangana Bank-wise data on Export Credit Bank-wise Advances to Minority Communities Bank-wise Advances to Weaker Sections Bank-wise Advances to SC / ST borrowers Bank-wise Advances to Women Bank-wise Advances under DRI scheme Bank-wise SHG Bank-linkages Bank-wise Loans under NRLM scheme Bank-wise loans to Milch-animals Bank-wise loans to Sheep & Goat units 7 7 7 74 75 76 77 78 79 8 8 8 84 85 86 87 88 89 90 9 9 9 94 5
.7.8.9.0.. Bank-wise loans under SERP Bank-wise loans under MEPMA Bank-wise loans under Rajeev Gruhakalpa Scheme Bank-wise loans under VAMBAY Scheme Bank-wise loans under Rajeev Yuva Shakti Scheme Short Term Crop Production Loans : Bank-wise position on overdues / 95 96 97 98 99 00. NPAs Agri. Term Loans including Allied Activities : Bank-wise position on 0.4 overdues / NPAs Agri. Term Loans including Allied Indirect Loans : Bank-wise position on 0.5.6.7 overdues / NPAs Agriculture advances : Bank-wise position on overdues / NPAs Micro & Small Enterprises : Bank-wise position on overdues / NPAs Others under Priority Sector Advances : Bank-wise position on overdues / 0 04 05.8.9.40.4.4.4.44.45 NPAs Priority Sector Advances : Bank-wise position on overdues / NPAs Non-Priority Sector Advances : Bank-wise position on overdues / NPAs Advances : Bank-wise position on overdues / NPAs Educational Loans : Bank-wise position on overdues / NPAs Housing Loans : Bank-wise position on overdues / NPAs SHG Bank linkages under NULM Peformance of banks as at //6 Weaver Credit Cards Performance up to..6 Joint Liability Groups (Bhoomi Heen Kisan) Agency wise targets for the year 06 07 08 09 0.48 06-7 Pradhana Mantri Fasal Bhima Yojana (PMFBY) Whether based Crop Insurance Scheme (WBCIS) Pradhana Mantri Fasal Bhima Yojana (PMFBY) Notification of Crops and areas Restructured Whether Based Corp Insurance Scheme (RWBCIS).49 Notification of Mango Crop in all districts Pradhana Mantri Fasal Bhima Yojana (PMFBY) Implementation during.50 Rabi 06 season Extension of last date for submission of applications and debit / deposit of 9.5 premium by farmers under PMFBY during Rabi 06 season Updation of reorganized district-wise bank branches / master file of GOI 0.5 Crop Insurance portal Data submission on relief measures extended by banks in areas affected by.5.54.55.56 natural calamities. Operating PMEGP online portal by financing banks letter of GOI Submission of pending MM claims by banks Pradhana Manthri Mudra Yojana (PMMY) Bank-wise performance Opening of brick & mortar branches - Progress made banks up to Dec. 5 40 4 4.57.58.59.60.6.6 06 Bank-wise / district-wise performance under PMJDY as at Dec. 06 Deployment of Bank Mithras Social Security / Insurance Schemes Bank-wise enrolment of data Social Security / Insurance Schemes Claims List of Financial Literacy Centres (FLCs) Report of Financial Literacy activities conducted by FLCs as at the end of 46 5 54 55 56 60.6 Dect. 06 Report of Financial Literacy activities conducted by Rural branches as at 80.46.47 4 8 6
.64.65.66 the end of Dec. 06 Performance of RSETIs RSETIs Pending reimbursement of claims Need for expediting Aadhaar seeding into bank account of Mahatma 8 8 84.68.69.70.7.7 Gandhi NREGA workers by banks To include Equitas Small Finance Bank Ltd as a member in SLBC Relief measures to be extended to farmers on account of demonetization Representation of Telangana Poultry Breeders Association Minutes of the Meetings Consolidated Comprehensive Quarterly Data Dec. 06 Public Sector 85 9 00 0.7 Banks Consolidated Comprehensive Quarterly Data Dec. 06 Private Sector 40.74 Banks Consolidated Comprehensive Quarterly Data Dec. 06 Commercial 48.75.76 Banks Consolidated Comprehensive Quarterly Data - Dec. 06 Co-op Banks Consolidated Comprehensive Quarterly Data Dec. 06 Regional Rural 56 64.77 Banks Consolidated Comprehensive Quarterly Data Dec. 06 Other Financial 7.78 Institutions Consolidated Comprehensive Quarterly Data Dec. 06 Banks / 79 Financial Institutions 7
Agenda : Adoption of Minutes. Adoption of minutes of th SLBC meeting held on 4//06 & other meetings of SLBC held after 0.09.06 The minutes of th SLBC meeting held on 4th November 06 was circulated to the members of SLBC, RBI, NABARD, LDMs and Government Departments concerned. The minutes of sub- committee meetings and other steering committee meetings held after 0/09/06 were circulated to the members of the SLBC, RBI, NABARD, LDMs and Government Departments concerned. Details of the meetings held are furnished below: S.No. Name of the meeting SLIIC sub-committee on MSME advances Steering Committee on Crop Loan Waiver Scheme-modalities for release of Date of meeting held 7.0.6 09..6 instalment. SLBC Telangana review of performance of banks as at the end of Sept, 4..6 4 06 Steering committee meeting conducted on Agriculture lending by banks.0.7 during Rabi 06-7 / Road map for opening of brick & mortar branches in villages with population more than 5000 These minutes may be taken as approved by the house as no requests for amendments / changes were received. Agenda : Banking Network in the State of Telangana. Banking Network at a glance in Telangana as on..6 Rural Semi-urban Urban Metro 664 98 669 74 Bank-wise & District-wise number of branches is enclosed as Annexure. 57 Population group wise number of branch as at the end of st Dec. 06. During the quarter under review, Banks have opened 4 new branches in the State. During the current FY 06-7 up to Dec. 06, banks have opened 00 new branches. 8
Comparative statement of branches, deposits & advances as on..6 vis-à-vis.0.06 (Rs. in cr) Category Public Sector Banks.0.6..6 Pvt. Sector Banks.0.6..6 RRBs.0.6 Co-op. Banks..6.0.6 Others (APSFC)..6.0.6..6 Rural 96 858 5 58 56 9 0 Semi Urban 7 77 78 8 0 0 89 89 Urban 446 4 0 49 66 44 46 8 8 Metro 060 4 8 4 9 77 78 Branches 99 8 840 847 847 40 4 Deposits 594.57 98567.4 854.8 9788.9 89.09 4955.5 7868.6 887.0 0 0 Advances 877.8 75807.7 965.70 9457.7 7. 958.6 6890.0 696.8 495.8 4.8. Comparative position of number of branches. Sector-wise network of branches as at //06 9
. Banking Statistics:. Banking at a glance as on //06: S.No. 4 5 A i. B i. ii. iii. C D i. ii. iii. iv. v. 6 ii. iii. iv. (Rs. In cr) Particulars Deposits Advances Credit Deposits Ratio (%) (RBI Norm 60%) Priority Sector Advances % of Priority Sector Advances to total Advances (RBI Norm 40%) Of which Agriculture advances % of Agri. Advances to Advances Of which: small & marginal farmers % to total advances (RBI norm 7% of ANBC) Non-farm Sector / Micro & Small Enterprises % to Advances Of which: Micro enterprises (RBI Norm 7% of ANBC) Small Enterprises % to total advances Medium Enterprises % to total advances Export Credit Others' under Priority Sector Advances % to Advances Of which Educational Loans Housing Loans Social Infrastructure Renewale Energy Others Out of Priority Sector Advances - Finance to: Advances Weaker Sections % to total advances (RBI norm 0% of ANBC) Advances to Women % to total advances (RBI norm 5% of ANBC) Advances to SC/ST Advances to Minorities 4558.54 954.4 94.% 5864.85 % to total advances(rbi Norm 5% on Priority Sector Adv. SHGs 8.06% 09.0.5% 5694.4 4.5% 979.87 5.04% 44746.88.4% 9564.97 5.00% 8007.68 4.60% 774..8% 94.4 489.5 6.4 749.55 8666.7 46.0 05.07 06.5 597. 8.99% 568.58 6.56% 0545. 04.9 0
. Highlights of performance of the Banks as at the end of //6: deposits are at Rs.4558.54 cr. advances are at Rs.954.4 cr Priority sector segment advances are at Rs.5864.85 cr Agricultural advances are at Rs. 5694.4 cr SME advances (Priority sector) are at Rs. 44746.88 cr Advances to Micro enterprises are at Rs. 9564.97 cr Advances to Small enterprises are at Rs. 8007.68 cr MSE advances are at Rs. 757.65 cr Advances to Medium enterprises are at Rs. 774. cr Export credit finance is at Rs. 94.4 cr Education loan segment (Priority sector) is at Rs. 749.55 cr Loans to Housing segment (Priority sector) are at Rs. 8666.7 cr Loans to Social Infrastructure are at Rs. 46.0 cr Advances to Renewable Energy segment are at Rs. 05.078 cr. Advances to women beneficiaries are at Rs. 568.58 cr Advances to SC/STs beneficiaries are at Rs. 0545. cr Advances to Minority category beneficiaries are at Rs. 04.9 cr Advances to weaker section beneficiaries are at Rs. 597. cr Loans to SHGs are at Rs. 09.0 cr Deposits: Comparative figures of deposits (Rs. In cr) Advances: Comparative figures of advances (Rs. In crore)
Priority sector advances as at the end of Dec. 06. (Rs. In cr) Banking Key Indicators in Telangana State S.No. 4 4 Particulars Number of Branches Rural Semi-urban Urban Metro Deposits Incremental Deposits (% of increase) Advances Incremental Advances (% of increase) Mar'6 79 4 65 405 499 88. 40. 796 05 664 508 57 578.55 97.44 4.80% 4057.7 809.7 CD Ratio (RBI Norm 60%) Particulars Deposits Advances Mar'5 (Rs. In cr) June'6 Sept'6 Dec'6 86 05 665 56 5 6574. 555.56 89 06 669 565 559 79.5 6594.70 664 98 669 74 57 4558.54 5789.99 8.88% 7767.6 4560.9.47% 84459.87 684.5 4.64% 8769.06 0074.70 6.9% 954.4 96.07 5.57% 0.07%.8%.67%.69% 04.5% 05.68% 06.04% 0.69% 94.% As on..5 As on.0.6 As on..6 7749.95 647.56 578.55 7767.6 4558.54 954.4 % Increase over Mar. 06 (YTD growth) ( in cr) % Increase over Dec. 05 (YOY growth) 6.9%.68%.9% 7.7% Bank-wise number of branches, deposits and advances is enclosed as Annexure. District-wise number of branches is enclosed as Annexure.
.4 Deposits and Advances : Comparative position from March 05 to Dec. 06. (Rs. In crore).5 Statement of Priority Sector Advances (Outstanding)..6 S.No. 4 4 5 6 7 8 9 0 Particulars Short Term Production Loans Agri. Term Loans including allied activities Agriculture Infrastucture Agri. Ancillary Activities Agriculture Advances % of Agri. Advances to Advances Non-Farm Sector / Micro & Small Enterprises % of Non-Farm Sector / Micro & Small Enterprises to total advances Export credit Others' under Priority Sector Advances % of Other under Priority Sector advances to total advances Priority Sector Advances % of Priority Sector Advances to total advances Mar'5 Mar'6 June'6 (Rs. In cr) Sept'6 Dec'6 684.60 6. 7.7 50.67 0.50 55.0 799.8 90.64 64.9 680. 087.4 7.7 68.45 85.6 85.5 6786.0 604.60 5977.09 5085.80 5885.69 5987.0 58989. 5694.4 4.69% 5.58% 5.9% 5.% 4.5% 56.6 495.58 4007. 4944.64 44746.88 9.67%.7%.9%.08%.4% 4.9 65.98 67.70 94.4 5599.96 650.6 47.8 485.9 489.5 7.46% 6.6% 6.9% 6.4% 6.4% 094.7 548.54 64.0 6854.7 5864.85.8%.%.89%.7%.5% Note : Percentage calculated on total Advances (due to non-availability of ANBC & Net Bank Credit)
Comparative position of Short Term Agriculture Credit: (Rs. In crore) Comparative position of Agri. Term Loans incl. Allied activities: (Rs. In crore) Comparative position of Agriculture Credit:(Rs. In crore) 4
Comparative position of MSME Advances (Rs. In crore) Comparative position of Priority sector lendings (Rs. In crore) Bank-wise position on Deposits, Advances & Credit Deposit Ratio is enclosed as Annexure. 5
District-wise position on Deposits, Advances & Credit Deposit Ratio is enclosed as Ann- 4. Bank-wise position on Priority Sector Advances is enclosed as Annexure 5. District-wise position on Priority Sector Advances is enclosed as Annexure 6. Agenda: 4: Achievement of Annual Credit Plan 06-7 4. Achievement as on..6 S.No. a b Short Term Production Loans Kharif Rabi Agriculture Term Loans Allied to Agriculture Agriculture Infrastructure 4 5 Agr. Ancillary activities Agriculture Micro &small, Medium Enterprises 6 % of achievement upto the quarter Achievements upto Mar.5 Achievements upto Mar'6 Target 06-7 Achievements upto Dec'6 786.84 060.04 849.88 98.74 046.58 400. 7460.8 640.57 90.8 505.40 666.5 867.65 87.08% 57.% 75.4% 878.97 5977. 879.46 90.84 6494.8 70.57% 58.57 58.97 06.70 5.% 776.6 77.0 487.45 49.45 40.64 87.96 087.4 4.7% 74.09% 0. 7006.9 0807.48 78.8 60.4% 7640.96 54.87 879.5 76.4 8.9% 54.05 559.70 506. 77.9 48. 870.74.09 7.77 89.5 587. 0.00 54.8 975.4 746.5.64 70.9% 5.88% 6.80% a b c 7 Others' under priority Sector Advances Of which Education Loans Housing Loans Others Export Credit 8 Priority Sector Advances 4847.5 56. 606.6 5497.0 90.69% 9 0 Non-Priority Sector Advances Credit Plan 6504.4 55.66 805.4 6855.67 06.5 90776.98 6769.58 666.88 4.4% 5.% 7 4. Particulars (Rs. In cr) Performance of Banks during the year up to //6 Achievement vis-à-vis targets 6
Banks disbursed priority sector loans of Rs. 5497.0 cr and achieved 90.69% of annual targets. Short term production loans to the extent of Rs. 867.65 cr were disbursed achieving 75.4% of annual targets. Term loans to agriculture and allied activities amounting to Rs. 6494.8 cr was disbursed, achieving 70.57% of targets. Rs. 087.4 cr was disbursed to agriculture sector, achieving 74.09% of annual targets. MSME loans amounting to Rs. 78.8 cr was disbursed by banks surpassing the annual targets with an achievement of 60.4%. disbursed to Other priority sector advances was at Rs. 76.4 cr and banks achieved 8.9% of annual targets. Education loans amounting to Rs. 54.8 cr was disbursed by banks achieving 70.9% of annual targets. Housing loans amounting to Rs. 975.4 cr was disbursed by banks achieving 5.88% of targets. Disbursals to beneficiaries belonging to Weaker Sections, Minorities & SC/STs are at Rs. 747.6 cr., Rs. 78.7 cr. and Rs. 44.44 cr. respectively. Banks disbursed total loans (Priority & non-priority) of Rs.666.88 cr. achieving 5.% of annual targets. Bank-wise agriculture advances (Direct & Indirect) is enclosed as Annexure 7. District-wise agriculture advances (Direct & Indirect) is enclosed as Annexure 8. Annual Credit Plan 06-7: Bank-wise achievement of target under Agriculture advances is enclosed as Annexure 9. Annual Credit Plan 06-7:Bank-wise achievement of target under MSME & Priority Sector advances is enclosed as Annexure 0. Annual Credit Plan 06-7: District-wise achievement of target under Agriculture advances is enclosed as Annexure. Annual Credit Plan 06-7: District-wise achievement of target under MSME & Priority Sector Advances is enclosed as Annexure. Agenda : 5: Agriculture sector 5. Progress in lending short term production loans / Term loans: As against Rabi disbursal target of Rs. 640.57 cr for the financial year 06-7, banks have disbursed Rs. 666.5 cr recording an achievement of 57.%. As against total short term crop loan (Kharif & Rabi) disbursal target of Rs. 90.8 cr for the financial year 06-7, banks together have disbursed Rs. 867.65 cr recording an achievement of 75.4%. Against a term loan target of Rs. 90.84 cr, an amount of Rs. 6494.8 cr disbursed to agriculture and allied activities achieving 70.57% of targets. 7
Against a total agriculture lending target of Rs. 40.64 cr for the year 06-7, an amount of Rs. 087.4 cr disbursed by banks achieving 74.09% of targets. 5.. Short Term Crop Production: (Rs. In cr) Kharif season Achieve- Category Public Sector Banks Private Sector Banks Regional Rural Banks Cooperative Banks Target 048.56 8.7 999.95 99.60 7460.8 ment 7786.4 9.8 7.96 85.74 505.40 Rabi Season % Achieve- achievement 75.4% 46.70%.4% 86.49% 87.08% Target 6899.5 54.9 999.85 00.06 640.55 ment 46.74 494.55.44 4.5 666.5 % achievement 67.00% 9.6% 56.8% 9.6% 57.% 5.. Agricultural Term Loans including Allied Activities, Agriculture Infrastructure & ancillary activities: (Rs. In cr) Bank Public Sector Banks Private Sector Banks Regional Rural Banks Cooperative Banks 5.. Agriculture: Bank Public Sector Banks Private Sector Banks Regional Rural Banks Cooperative Banks 5. 4 5 Target 784.4 68.46 599.0 0.6 9.6 Achievement 00.8 964.7 868.09 684.49 859.49 % achievement 8.8% 9.% 54.8% 5.60% 7.5% (Rs. cr) Targets 5089.74 5.98 6599. 6800.70 40.64 Achievement 54.4 565.56 564.50 959.74 087.4 % of achievement 6.4% 4.00% 8.9% 58.% 74.09% Category-wise Agriculture Advances (Rs. In cr) Crop Loans Agri Term Loans Agri. Infrastructure Ancillary units Agriculture 0.50 680. 85.60 5977.0 5694.4 8
Category-wise Disbursals of Agriculture Advances: (Rs. In cr) % to total Particulars Crop Loans Term Loans Agri. Infrastructure Agr. Ancillary activities Agriculture 5.4 Disbursals 867.65 6494.8 06.7 87.95 087.4 disbursal 7.96%.7% 0.68% 5.98% 00.00% Dairy Entrepreneurship Development Scheme (DEDS) Continuation of the scheme for the financial year 06-7 (Rs. In Crores) The progress made under Dairy Entrepreneurship Development Scheme (DEDS) is as under: 9
Period Dec 6 Outstanding No. 064 07.8 Disbursement during the quarter (0/0/6 to //6) No. 860 0.57 Disbursement up to the quarter (0/04/6 to //6) No. 86 9.8 Banks have disbursed an amount of Rs. 0.57 cr to 860 beneficiaries during the quarter and Rs. 86 cr to 9.8 cr beneficiaries up to the quarter ended Dec., 06 5.5 Pledge financing against Negotiable Warehouse receipts (NWRs): RBI advised banks to furnish quarterly data (district-wise) on pledge financing against Negotiable Warehouse Receipts (NWRs) to farmers, within 0 days from the end of each quarter. All the controlling authorities of banks are requested to submit the information in the format already communicated. The position as on //6 is as under: (Rs. In Lakhs) Particulars NWRs 5.6 Disbursement during the quarter Outstanding as at the end of Dec. 06 a/cs a/cs 5 56.47 765 66.6 Joint Liability Groups (Bhoomi Heen Kisan) Agency-wise Targets for the year 6-7 The targets for the year 06-7 have been sent to all the banks for implementation. The bank-wise targets are enclosed as Annexure No. 45. 5.7 Vaddileni Runalu and Pavala Vaddi Scheme on Crop Loans: Under the scheme, interest subvention at 4% as VLR on the crop loans availed up to Rs..00 lakh and % Pavala Vaddi on the crop loans availed about Rs..00 lac up to Rs..00 lac, subject to the repayment of these loans within maximum period of year from the date of disbursement by the farmer. 5.8 Reimbursement of VLR / Pavala Vaddi claims to banks: Member banks have informed that as per the interest subvention (VLR & PV) scheme guidelines, banks are allowing the benefit of interest to the promptly paying farmers at the time of repayment of loan itself and subsequently submitting claims to Department of Agriculture. Member banks have informed that they are yet to receive the reimbursement of pending claims under Vaddi Leni Runalu / Pavala Vaddi for the kharif & rabi 05-6 and Kharif 06, from Agriculture Department. SLBC has brought the issue of pendency to the notice of Secretary, Agriculture Dept., Govt. of Telangana and requested for release of the pending claims at the earliest. 0
5.9 Prime Minister Fasal Bhima Yojana (PMFBY) & Weather based Crop Insurance Scheme (WBCIS): Dept. of Agriculture, Govt. of Telangana issued instructions vide circular no. Crop Ins ()/40/06 dated the 5th October 06 regarding the crops and areas for implementation of PMFBY and WBCIS schemes during Rabi 06 season. The important features of the scheme are as under: The scheme is compulsory to loanee farmers growing notified crops in notified areas and optional for non-loanee farmers. The sum insured is equallant to scale of finance. The premium rate is.5% for oil seeds, pulses & food crops; and 5% for annual, commercial & horticulture crops i.e., red chilly, onion under PMFBY and Mango (5 years and above plantation) under WBCIS. The circular has already been circulated among member banks. Copy of the circular is enclosed as Annexure 46. 5.0 Prime Minister Fasal Bhima Yojana (PMFBY) Notification of Crops and areas: Dept. of Agriculture, Govt. of Telangana issued communication vide circular no. Crop Ins ()/40/06 dated the th November 06 regarding issuance of GO.Rt.no. 777, Agriculture & Cooperation Dept., dated 0th November 06 for implementation of the village as Insurance Unit Scheme and Mandal Insurance Unit Scheme under Pradhana Manthri Fasal Bhima Yojana during Rabi 06 season. The GO may be downloaded along with the annexures from the website http://goir.telangana.gov.in. The communication of the Govt. of Telangana has already been circulated among member banks. Copy of the circular is enclosed as Annexure 47. 5. Restructured Weather Based Crop Insurance Scheme (RWBCIS) Notification of Mango Crop in all districts: Dept. of Agriculture, Govt. of Telangana issued communication vide circular no. Crop Ins ()/0/06 dated the th November 06 regarding issuance of GO.Rt.no. 778, Agriculture & Cooperation Dept., dated 0th November 06 for implementation of Restructured Weather Based Crop Insurance Scheme (RWBCIS) during Rabi 06 season. The GO may be downloaded along with the annexures from the website http://goir.telangana.gov.in. The communication of Govt. of Telangana has already been circulated among member banks. Copy of the circular is enclosed as Annexure 48. 5. PMFBY Implementation during Rabi 06 season: Dept. of Agriculture, Govt. of Telangana issued communication vide circular no. Crop Ins ()/0/06 dated the th November 06 regarding issuance of GO.Rt.no. 777 & 778, 0 th & th November 06. It is to inform that in Rabi 06 season, Banks / Financial Institutions must follow
the salient features of the scheme while collecting the premium. The salient features of the scheme are as under: Crop covered in each district is as per Notification One major crop in each district is covered for which village / Gram Panchayat as unit of insurance. The sum insured is equivalent to scale of finance. The premium rate.5% of sum insured for oil seeds & food crops and 5% for Annual & Horticulture crops i.e., mango, chilli & onion. The scheme is compulsory for loanee farmers and optional for non-loanee farmers. During the season more efforts are required to cover non-loanee farmers as coverage of loanee farmer is likely to be reduced due to demonetization. Implementation agencies are selected based on premium bidding and following companies are selected. o Bajaj Allianz General Insurance Company o Chola MS General Insurance Company The cut-off date for enrolment of farmers are as under: o Maize & Bengal Gram 5th Dec. 06 o Rice, Jowar, Geerngram, Blackgram st Dec. 06 Groundnut, Sunflower Chillies and Onion o Under WBCIS, Mango crop 4th Dec. 06 Farmer is having option to change the crop. The same has been sent to member banks for implementation. Copy of the letter is enclosed as Annexure 49. 5. Extension of last date for submission of applications and Debit / Deposit of premium by farmers under PMFBY during Rabi Season 06 Dept., of Agriculture & Cooperation, Govt. of India has sent a communication vide letter no. 07/06-Credit II dated 0th December 06 regarding Banks / Financial Institutions are facing difficulties in coverage of farmers under PMFBY during Rabi 06 season due to demonetization of old currency notes. The matter has been reviewed and examined in consultation with various stakeholders and it has been decided to extend the cutoff date up to 0 th January 07 for enrolment of non-loanee farmers / debit of premium from eligible crop loan account / Kisan Credit card under PMFBY in respect of those crops / areas where the prescribed / notified cutoff date was 5th December 06 to st December 06 only as a special case. The cutoff date for submission of consolidated proposals / premium by the nodal banks / branches to concerned Insurance Companies may also be extended accordingly. The same has been sent to banks. Copy of the letter is enclosed as Annexure 50.
5.4 Updation of reorganized district-wise bank branches / master file Of Govt. of India Crop Insurance portal Dept. of Agriculture, Govt. of Telangana has informed vide letter no. Crop Ins ()/40/06 dated 6 th January 07 advised that the district-wise / Mandal-wise and village-wise master files already uploaded on the crop insurance portal. To enable the bankers to upload the insured farmers information on portal is necessary to revised the list of banks in each reorganized district. For this purpose, Dept. of Agriculture has advised banks to map the bank branches in each reorganized districts and forward the same to the administrator of crop insurance portal. The same has been sent to member banks for compliance. Copy of the communication is enclosed as Annexure 5. 5.5 Data submission on Relief measures extended by banks in areas affected by Natural Calamities: The data is required to be submitted every quarter by banks. SLBC has been continuously following up with the banks for the data. Controlling authorities of all banks are requested to submit the information to SLBC with 5 days, from the end of the quarter. Copy of the letter on reporting system in respect of relief extended by banks in areas affected by natural calamities is placed as Annexure 5. 5.6 Overdues / NPAs under Agriculture sector as on..6 (Rs. In cr) Outstanding as on..6 S.No. Overdues (*) as on..6 Balance in Actual overdue overdue No.of a/cs. a/cs. amount No.of a/cs. 50.8 005 606.8 479. 99.8 847 56. 94 8.69 64. 744 47.66 5977.0 659 557.95 79.9 980 74.6 5694.4 8965 44.6 786.60 84706 409. Category Short Term Crop Production Loans No.of a/cs. 48865 0.49 00 885.5 88706 680. 85900 8644 85.6 4 Agri. Term Loans Agri. Infrastructure Ancillary activities 979 Agriculture 580650 NPAs as on..6
Overdues in Agriculture segment as at the end of Dec. 06 The level of agriculture overdues at Rs. 786.60 cr increased by Rs. 6.08 cr when compared to.0.06. 5.90% of outstanding short term crop loans are overdues in the books of the banks..4% of outstandings of Agriculture Term Loans (including allied activities, infrastructure and ancillary activities) are overdues in books of the banks. Overdues in total agriculture advances are at.95%. NPAs in agriculture segment as at the end of Dec. 06 The level of total agriculture NPAs at Rs. 409. cr increased by Rs. 58.8 cr when compared to.0.06. 5.00% of short term crop loans outstanding are NPAs in the books of the banks. 0.06% of Agriculture Term Loans (including allied activities, infrastructure and ancillary activities) are NPAs in books of the banks. NPAs in total agriculture advances are at 7.7%. Short Term Crop Loan Production Loans Bank-wise position on overdues position is enclosed as Annexure. Agriculture Term Loans including Allied Activities Bank-wise position on overdues position is enclosed as Annexure. Indirect Agriculture Term Loans including Allied Activities Bank-wise position on overdues position is enclosed as Annexure 4. Agriculture Advances Bank-wise position on overdues position is enclosed as Annexure 5. 4
Agenda: 6: 6.. Micro, Small & Medium Enterprises (MSME)- Priority Sector S.No. Particulars Outstanding as on.0.05 Outstanding as on.0.06 (Rs. In Cr) Outstanding as on..06 Amt. Amt. Amt. Micro Enterprises 7687 075.4 6659 8998. 60488 9564.97 Small Enterprises 8488 008.7 0958 8.75 0494 8007.68 45475 56.6 7497 47.07 7074 757.65 8.06% 9.44% 85.% 6.7% 85.7% 5.07% 7.94% 60.56% 4.78% 8.7% 4.8% 47.9% 0 0 9888 70.5 0405 774. 0.00% 0.00%.7%.9%.54% 6.0% 45475 56.6 89485 5444.58 80886 44746.87 SME % of Micro enterprises to total MSE 4 5 % of Small enterprises to total MSE Medium Enterprises % of Medium enterprises to total MSME advances 6 7 8 MSME advances SME advances declined by Rs. 9758 cr and stood at Rs. 757.65 cr. Medium Enterprises registered a growth of Rs. 60 cr and stood at Rs. 774. cr. MSME segment declined by Rs. 9597 cr. 6.. S.No. Micro, Small & Medium Enterprises (MSME)- Non-Priority Sector (Rs. In Crores) Particulars Outstanding as on.0.05 Outstanding as on.0.06 Outstanding as on 0.09.06 Amt. Amt. Amt. Micro Enterprises 6456 575.5 89657 0890.9 454 77.8 Small Enterprises 7906 87.0 4847 7975.54 406 878.57 6 764.6 88 8865.7 667 059.95 69.9% 75.45% 6.5% 7.7% 5.86% 8.46% 0.8% 4.55% 7.48% 6.7% 64.4% 6.54% 977 9865.6 6976 5647.57 64 880.4 % of Medium enterprises to total MSME advances 8.65% 56.4%.0% 6.6%.0%.40% MSME advances 7079 7489. 4504 45.0 659 90.8 4 5 6 7 SME % of Micro enterprises to total MSE % of Small enterprises to total MSE Medium Enterprises 8 SME advances grew by Rs. 054. cr and stood at Rs.059.55 cr. Medium Enterprises registered a negative growth of Rs. 6.86 cr and stood at Rs. 880.4 cr. MSME segment grew by Rs. 00.4 cr. 5
6.. S.No. Micro, Small & Medium Enterprises (MSME) Sector (Priority & Non-priority) Particulars Outstanding as on.0.05 Outstanding as on.0.06 Outstanding as on..06 Amt. Amt. Amt. Micro Enterprises 544 887.49 76 9888.5 8700 0.5 Small Enterprises 594 95.8 58009 608.9 506556 6790.5 SME % of Micro enterprises to total MSE 68757 40780.77 0795 7696.8 558 6809.6 77.69% 46.7% 66.8% 5.5% 6.0% 45.97%.% 5.8%.7% 47.65% 7.99% 54.0% 977 9865.6 0564 66.08 0787 5984.65.00% 9.48% 8.89% 4.5% 7.48% 9.0% 7854 50645.9 84589 88857.88 4475 84077.5 4 5 6 7 % of Small enterprises to total MSE Medium Enterprises % of Medium enterprises to total MSME advances 8 MSME advances SME advances declined by Rs. 804.0 cr and stood at Rs.6809.60 cr. Medium Enterprises registered a growth of Rs..57 cr and stood at Rs. 5984.65 cr. MSME segment declined by Rs. 4780.6 cr. Comparative position of MSME advances: (Rs. In cr) 6
Category-wise total MSME advances (Rs. In cr) 6. Overdues/NPAs under MSME Sector as on..6 Outstanding S. No. Particu-lars Amt (Rs. in Crores) Overdues overdue Balance in overdue accounts Micro 8700 0.5 54879 5490.76 Small 506556 6790.5 645 5088.07 558 6809.60 74 0578.8 0787 5984.65 060 080.5 4475 84077.5 7484 659.5 MSE 4 Medium 4 MSME NPAs Actual overdue amount 594.4 (8.9%) 075.7 (8.6%) 5670.05 (8.%) 855.0 (.6% ) 755.5 (8.95%) 8984 5905 87889 76 88650 78.4 (5.70%) 90.9 (7.89%) 4686.4 (6.88%) 490.4 (9.%) 676.48 (7.5%) Over dues under MSME segment: Overdues under Micro Enterprises constitute 8.9% of its outstandings. Overdues under Small Enterprises constitute 8.6% of its outstandings. Overdues under MSE segment advances constitute 8.% of its outstandings. Overdues under Medium enterprises constitute.6% of its outstandings. Overdues under MSME segment constitute 8.95% of its outstandings. 7
NPAs under MSME segment: NPAs under Micro Enterprises constitute 5.70% of its outstandings. NPAs under Small Enterprises constitute 7.89% of its outstandings. NPAs under MSE segment advances constitute 6.88% of its outstandings. NPAs under Medium enterprises constitute 9.% of its outstandings. NPAs of MSME segment constitute 7.5% of its outstandings. Bank-wise position on Micro; Small & Medium Enterprises (MSME) advances is enclosed as Annexure. Micro & Small Enterprises Bank Wise position of overdues / NPAs is enclosed as Annexure 6. 6. Prime Minister s Task Force Recommendations: Compliance to PM TASK FORCE RECOMMENDATIONS Banks are advised to achieve a 0 percent year-on-year growth in credit to micro & small enterprises (Dec 05- Dec 06) 0 percent annual growth in the number of micro enterprise accounts NORM % ACTUAL % 0 5.77% 0 9.9% 40 5.% 0.8% 60 47.8% 40 percent of the total advances to MSE sector should go to micro(manufacturing) enterprises with investment in plant and machinery up to Rs 0 lac and micro (service) enterprises having investment in equipment up to Rs 4 lac 0 percent of the total advances to MSE sector should go to micro(manufacturing) enterprises with investment in plant and machinery above Rs 0 lac and up to Rs 5 lac and micro (service) enterprises having investment in equipment above Rs 4 lac and up to Rs 0 lac 60 percent of MSE advances should go to the micro enterprises. Allocation of 60% of the MSE advances to the micro enterprises is to be achieved in stages 8
6.4 PMEGP: The performance of banks under PMEGP is furnished as under: Sr. No Agency TARGET-06-7 (Rs. In lac) Achievement up to Dec 06 No.of Projects Margin Money Emp. (Nos) No.of Projects Margin Money Empl. (Nos) 48 856. 44 79 66.57 KVIC SO Hyd. KVIB 48 856. 44 06 907.59 75 DIC 57 46.76 4568 0 66.77 94 TOTAL 47 854.4 46 487 87.9 64 During the year 06-7, achievement in no. of projects is 487 with an amount of Rs. 87.9 lac against a target of 47 projects and an outlay of Rs. 854.4 lac. 6.4. Operating PMEGP online portal by financing banks: Ministry of MSME, Govt. Of India has launched PMEGP online portal from st July 06 whereby all the processes involved in implementation of PMEGP are made online starting from filling application to margin money sanction, disbursement, etc. KVIC, New Delhi, vide letter no. PMEGP/MM/Online E-portal/06-7 dated 7 th August 06 has advised banks to submit viz., IFS code, bank name, branch name, etc. through email pmegpeportal@kvic.gov.in to receive branch email id and password. All the controlling authorities of banks are advised to submit the details to KVIC through the above portal. Copy of the letter is enclosed as Annexure 5. 6.4. Submission of Pending MM claims by banks: KVIC has advised that all pending MM claims with the financing bank branches should submit the claims to State KVIC / Divisional Office along with certificate / undertaking and Transient Account number for uploading the claims in Corporation Bank portal for release of MM subsidy to the financing bank. Further, it is informed that a check list has been circulated to ensure that all the documents along with MM claim formats are submitted to the KVIC office. In view of the revised procedure, all controlling authorities of banks to instruct branches / offices functioning under their control to submit MM claims of PMEGP with all the relevant papers / certificates / undertaking in the prescribed format and the Transient Account Number duly signed by the Branch Manager to the implementing agencies such as KVIC/ KVIB / DIC for necessary uploading the MM claims in the Corporation Bank, Mumbai portal by KVIC. Copy of the letter is enclosed as Annexure 54. 9
6.5. Pradhan Manthri Mudra Yojana (PMMY): Bank-wise performance as the end of Dec 06 under PMMY is enclosed as Annexure no. 55. The performance of banks as on 0.0.07 is as under. (Rs. in Crores) Shishu Disbursed A/cs. 066 Kishore Disbursed A/cs. 54600 Amt. 6.05 Tarun Disbursed Amt. 995. A/cs. 9704 Disbursed Amt. 70.5 A/cs. 6790 6.5. District-wise Mudra performance as on 0.0. 07 Shishu S r N o State/Distr ict Adilabad Kishore Sanctio ned Amt Disburs ement Amt 5 7..9 Hyderabad 0070 6.6 Karimnagar 058 4 Khammam 5 Mahbubna gar 6 Rs. In cr Tarun Sanctio ned Amt Disburse ment Amt No Of A/Cs Sanction ed Amt Disburse ment Amt 49 69.9 66.4 79 0.4 0.9 5.7 048 9.79. 99 49.7 6.9 5.88 550 98.64 96.7 647 790.0. 067 58.69 56.74 07 9.5 7.87 4700 80.45 Medak 685.58.9 49 7 Nalgonda 8554 8. 7.74 8 Nizamabad 647 9.64 9 Rangaredd y 077 0 Warangal Amt. 976.40 Sanction ed Amt Disburse ment Amt 5686 7.64 9.89 44.6 950 495.76 48.7 5.98 5.98 655 78.5 74.0 648 5.4 5.8 005 5.05.75 76.48 68 46.78 40. 745 66.7 54.67 68.64 67. 49 4.88 4.6 07 6.0 4. 55 97.6 9.9 84 6.4 60.88 4899 86.89 8.56 9.5 4674 8.84 80.59 9 6. 5.46 50 8.8 5.9 0.69 9.67 890 64.9 59.58 664 5.68.56 068 0.55.8 005 9.58 7.6 506 89.76 85.86 77 57.9 56. 5958 77.5 69.68 066 7.8 6.09 54600 00.07 995.09 9704 79.09 70.4 6790 04.9 976.4 No Of A/Cs No Of A/Cs No Of A/Cs Under Shishu category, Banks in the State have financed Rs. 7.8 cr to 066 borrowers. Under Kishore category, banks have sanctioned loans to 54600 borrowers amounting to Rs. 00.07 cr. Under Tarun category, banks have sanctioned loans to 9704 borrowers amounting to Rs. 79.09 cr. Banks together under three categories have sanctioned loans to 6790 borrowers amounting to Rs. 04.9 cr. 0
6.5. Sector-wise performance under Mudra Scheme (PMMY) as on 0/0/7 Category Public Sector Private Sector RRBs Others Shishu Disbursed A/cs. 67 794 978 87 066 Amt. 4. 44. 77.96 4.64 6.05 Kishore Disbursed A/cs. 4548 4906 6 849 54600 (Rs. in Cr.) Tarun Disbursed Amt. 8.4 0.9 45.85 5.65 995. A/cs. 7878 498 9 5 9704 Disbursed Amt. 59.9 04.9.7 9.68 70.5 A/cs. 0594 098 8 855 6790 Amt. 558.45 5.45 6.54 9.96 976.40 (Source: PMMY-Mission Office) 6.5.4 Mudra Scheme Sanctions to various categories Sr No Category Shishu Kishore Tarun (Loans up to Rs. 50,000) (Loans from Rs. 50,00 to Rs. 5.00 Lakh) (Loans from Rs. 5.00 to Rs. 0.00 Lakh) Sanctione d Amt No Of A/Cs Sanctione d Amt No Of A/Cs Sanctione d Amt 65777 70.96 955 805.7 884 645.94 56 6.7 No Of A/Cs No Of A/Cs Sanctioned Amt General SC 747.9 6 45.9 69 8.8 0968 86.68 ST 4040.7 840 6.5. 60 6.40 4 OBC 67 67.9 04 5.4 70 5.98 745 7.59 5 066 7.80 54600 00.07 9704 79.07 6790 04.94 486 75.64 94 6.59 080 79.66 8400 9.89 Out of Above Women Entrepreneur a s B Minority PMJDY OD 68.09 488 65.0 48 4.7 50.8 C Account Other Govt. 554 0.77 0 0 0 0 554 0.77 757 4.77 59 7.56 9 6.9 560 4.7 Sponsored D Prog. 8400 women beneficiaries were sanctioned Rs. 9.89 cr under Mudra Scheme 50 minority category beneficiaries were sanctioned Rs..8 cr 554 beneficiaries were sanctioned OD against PMJDY accounts amounting to Rs. 0.77 cr. 560 beneficiaries were sanctioned under various Govt. Sponsored schemes Rs. 4.7 cr.
6.5.5 Mudra Scheme Performance of top 0 banks: Shishu Sr N o Bank Name (Loans up to Rs. 50,000) (Rs. In cr) Kishore (Loans from Rs. 50,00 to Rs. 5.00 Lakh) Tarun (Loans from Rs. 5.00 to Rs. 0.00 Lakh) Targets No Of A/Cs Disburs e-ment Amt No Of A/Cs Disbursement Amt No Of A/Cs Disburs e-ment Amt No Of A/Cs Disburs e-ment Amt Amt. % achievement SBH 58.8 8 84. 50 07.8 6594 5.88 670 78.04% Andhra Bank 945 4.8 67 0.5 667 5.44 674 77. 56 4.% Canara Bank 567 9.5 4908 8.6 45.0 005 5.0 0 4.9% 4 Syndicat e Bank 60.06 9 78. 65 44.5 777.77 09 64.00% 5 SBI 6896 9.4 9 8.0 9 8.86 9967 0.9 50 5.06% 6 ICICI 68 4.4 50 7.56 77 50.47 4865.7 74.9 49.7% 7 APGVB 0686 4.7 889 7.8 65 0.69 740 7. 95 74.98% 8 TGB 904 5. 47 8.04 8.04 54 65. 800 8.6% 9 Vijaya Bank 088 6.4 484 5. 9.86 4894 6.4 5 5.9% 0 IndusInd 0 0 778 6.47 6.75 004 50. 0 has disbursed an amount of Rs. 5.88 cr to 6594 beneficiaries. Andhra Bank has disbursed an amount of Rs. 77. cr to 674 beneficiaries. Canara Bank has disbursed an amount of Rs. 5.0 cr to 005 beneficiaries Syndicate Bank has disbursed an amount of Rs..77 cr to 777 beneficiaries. State Bank of India has disbursed an amount of Rs. 0.9 cr to 9967 beneficiaries. 6.6 Pradhan Manthri Stand-up India Scheme: The performance under PM s Stand-up India Scheme as at the end of Dec. 06 is as under: (data as on 8th February 07) Sr No 4 5 6 7 (Rs. in Crores) District Adilabad Bhadradri Kothagudem Hyderabad Jagtial Jangaon Kamareddy Karimnagar Applications 0 46 4 9 8 Sanctioned.9.9 04..6 0.8.44 9.6 Disbursed.4. 59.85.06 0.8 0.5 5.70
Sr No 8 9 0 4 5 6 7 8 9 0 4 5 6 7 District Khammam Mahabubabad Mahbubnagar Mancherial Medak Medchal Nagarkurnool Nalgonda Nirmal Nizamabad Peddapalli Rajanna Sircilla Ranga Reddy Sangareddy Siddipet Suryapet Vikarabad Warangal (Rural) Warangal (Urban) Yadadri Bhuvanagiri Grand total Applications 0 6 50 4 0 8 8 9 57 7 9 6 8 6 890 Sanctioned.69 0.0.7 0.76 0.40 0.8 0...9 5.8.70.09.09.5.9. 0.50.06 7.7. Disbursed.50 0.0 90.86 7.89 0.77 0.6 0. 6.54 0..5.8.59 0.7 0.57 7.0. 0.64.8 0.00 0.88 4.0.06 During the year, under Pradhan Manthri Stand Up India programme, Banks in the state of Telangana have sanctioned loans to 890_ beneficiaries amounting to Rs. 90.86 cr and disbursed an amount of Rs. 7.89 cr. PM Stand Up India Programme Top 0 Banks Sr No 4 5 6 7 8 9 0 Bank Andhra Bank HDFC Bank Punjab National Bank Indian Bank Canara Bank State Bank of India IndusInd Bank Syndicate Bank Bank of India Applications 48 84 7 5 8 6 9 7 6 Sanctioned 8.60 6.04.64.87 8.9 8.5 6.64 6.49 4.79 4.40 Disbursed 54.90 6.04 5.79 4.49.55 4.84.60 4.7. 0.00
Agenda: 7: Housing Loans 7. Position as on..6 (under Priority & Non-Priority sector) Period Priority Sector Nonpriority sector Outstanding Disbursement during the quarter (0/0/6 to //6) No. 90 999.65 (Rs. in Cr) Disbursement up to the quarter (0/04/6 to //6) No. 74 975.4 No. 04898 8666.7 8746 6884.6 506 450. 7807 447.9 94 5550.80 899 449.88 5998 7.5 During the quarter under review, banks have disbursed an amount of Rs. 449.88 cr to 899 beneficiaries During the year up to Dec., 06, banks have disbursed an amount of Rs. 7.5 cr to 5998 beneficiaries. Bank wise position of Housing loans as on..6 is given in the Annexure 4. 7. Overdues/NPAs under Housing Loans as on..6 Outstanding S.No. Housing Loans Priority Sector Nonpriority sector Amt (Rs. In cr) Overdues overdues Balance in overdues a/c. 04898 8666.7 499 840. 8746 6884.6 8 59.4 94 5550.80 675 44.47 Overdues at Rs. 870.55 cr constitute.45% of outstandings.. NPAs Actual overdues amount 49.70 (.5%) 450.85 (.67%) 870.55 (.45%) No.of 4896 5 4 46. (.48%) 46.4 (.47%) 879.6 (.47%) NPAs with an amount of Rs. 879.6 cr constitute.47% of the Housing Loans outstanding. Bank wise position on overdues / NPAs as on..6 is given in the Annexure 4. 7. Housing for All (Urban) under Pradhan Mantri Awas Yojana (PMAY): Credit Linked Subsidy Scheme: The Mission, in order to expand institutional credit flow to the housing needs of urban poor will implement credit linked subsidy component as a demand side intervention. Credit linked subsidy will be provided on home loans taken by eligible urban poor (EWS/LIG) for acquisition, construction of house. The Credit Linked Subsidy Scheme (CLSS) for Housing for All (Urban) Mission of Pradhan Manthri Awas Yojana (PMAY) was launched by the 4
Hon ble Prime Minister. The Housing for All Mission for urban area has become effective from 7 th June 06 and will be implemented upto st March 0. Beneficiaries of Economically Weaker Section (EWS) and Low Income Group (LIG) seeking housing loans from Banks, Housing Finance Companies and other such institutions would be eligible for an interest subsidy at the rate of 6.5% for tenure of 5 years or during tenure of loan whichever is lower. The Net Present Value (NPV) of the interest subsidy will be calculated at a discount rate of 9%. The credit linked subsidy will be available only for loan amounts upto Rs.6 lac and additional loans beyond Rs.6 lac, if any, will be at non-subsidized rate. Interest subsidy will be credited upfront to the loan account of beneficiaries through lending institutions resulting in reduced effective housing loan and Equated Monthly Instalment (EMI). Credit linked subsidy would be available for housing loans availed for new construction and addition of rooms, kitchen, toilet etc. to existing dwellings as incremental housing. The carpet area of houses being constructed under this component of the mission should be up to 0 square meters and 60 square meters for EWS and LIG, respectively in order to avail of this credit linked subsidy. The beneficiary, at his/her discretion, can build a house of larger area but interest subvention would be limited to first Rs.6 lac only. DoF, MoF, GoI vide Letter No.8//04-IF.II dated st June, 06 informed that it has been decided that a review of progress under CLSS should be included in the agenda of meetings of SLBCs. All the members are requested to submit progress on the above scheme to SLBC every quarter to review the same in the SLBC meetings. Agenda 8: Education Loans 8. Position as on..6 (Priority & Non-priority Sectors):(Rs. In cr) Period Priority Sector Nonpriority sector Outstanding Disbursement during the quarter (0/0/6 to //6) No. 564 4.60 Disbursement up to the quarter (0/04/6 to //6) No. 97 54.8 No. 86985 749.55 654 909.5 0.08 48 5.6 0069 5659.07 894 7.68 565 668.00 During the quarter banks have disbursed an amount of Rs. 7.68 cr towards education loans During the year up to Dec., 06, banks have disbursed an amount of Rs. 668.00 cr to 565 towards education loans. 5
8. Overdues/NPAs under Education Loans as on..6 Outstanding Education Loans S.No. Priority Sector Non-priority sector Amt overdues (Rs. in Cr.) Overdues Balance in overdues a/c. 86985 749.55 77 478.4 654 909.5 859 8.08 0069 5659.07 4596 606.5 NPAs Actual overdues amount 5.6 (.4%) 6.44 (.%) 88.70 (.%) No.of 60 58 689 07.5 (.86%) 67.89 (.56%) 75.4 (.0%) Overdues under education loans at Rs. 88.70 cr constitute.% of total outstandings. Overdues increased by Rs. 4.95 cr during the quarter under review. NPAs with an amount of Rs. 75.4 cr constitute.09% of the education Loans outstanding.. Bank-wise position as on..6 is given in the Annexure 5. Bank-wise targets & disbursements are given in the Annexure 6. Bank-wise position on overdues/npas as on..6 is given in the Annexure 4. Agenda 9: 9. Credit flow to Minority Communities : The position of credit to minority communities as on..6 is as under: Period Outstanding Dec 6 No. 90 074.05 Disbursement during the quarter (0/0/6 to //6) No. 900 405.7 (Rs. in Cr.) Disbursement up to the quarter (0/04/6 to //6) No. 4064 78.7 During the current financial year, banks have lent Rs. 78.7 cr to 4064 beneficiaries belonging to minority communities. Bank wise position as on..6 is given in the Annexure 8. 9. Overdues/NPAs under loans to Minorities as on..6 Outstanding S.No Particu-lars Loans to Minorities Amt 90 074.05 overdues 5885 Overdues Balance in overdues a/c. 7.5 (Rs. in Cr.) NPAs Actual overdues amount 40.6 (.%) No.of 86764 78.68 (.90%).% of the outstanding loans to minorities are overdues in the books of the banks Similarly.90% of the outstanding loans to minorities are NPAs. 6
Agenda 0: 0. Credit flow to Weaker sections : The position of credit flow to weaker sections as on..6 is as under: Period Outstanding No. 7565 Dec 6 597. Disbursement during the quarter (0/0/6 to //6) No. 7659 4. (Rs. in Cr.) Disbursement up to the quarter (0/04/6 to //6) No. 9465 747.6 During the quarter under review, Rs. 4. cr has been disbursed to 7659 weaker section beneficiaries. During the year up to Dec., 06, banks have disbursed Rs. 747.6 cr to 9465 beneficiaries. Bank wise position as on..06 is given in the Annexure 9. 0. Overdues/NPAs under loans to Weaker Sections as on..06 Outstanding S.No. Amt overdue s 7565 597. 744758 Particu-lars Loans to Weaker Sections Overdues Balance in overdues a/c. 5768.94 (Rs. in Cr.) NPAs Actual overdue s amount No.of 9.50 (9.7%) 00 0.9 (5.7%) 9.7% of the outstanding loans to weaker sections are overdues in the books of the banks.. The level of NPAs at Rs. 0.9 cr constitutes 5.7% of outstanding loans to weaker sections. Agenda :. Credit Flow to Scheduled Castes/Scheduled Tribes : The position of credit flow to SC/STs as on..06 is as under: (Rs. In cr) Period Dec 6 Outstanding No. 5806 0545. Disbursement during the quarter (0/0/6 to //6) No. 7979 5746.6 Disbursement up to the quarter (0/04/6 to //6) No. 46880 89.58 During the quarter under review, banks have extended financial assistance to 7979 borrowers with an outlay of Rs. 5746.6 cr. During the year up to Dec 6, banks have disbursed an amount of Rs.89.58 cr to 46880 borrowers. The total loan outstandings to SC/ST beneficiaries constitute 8.8% of Priority sector advances. Bank wise position as on 0.09.06 is given in the Annexure 0. 7
. Overdues/NPAs position to SC/ST beneficiaries as on..6: Outstanding S. N o. Loans to SC/ST beneficiaries Overdues Amt overdue s 5806 0545. 8090 Particu-lars (Rs. in Crs.) NPAs Balance in overdues a/c. Actual overdue s amount No.of 758.7 70.7 (6.65%) 85698 40. (.8%) 6.65% of the outstanding loans to SC/STs are overdues in the books of the banks. Similarly,.8% of outstanding loans i.e., Rs. 40. cr are NPAs in the books of the banks. Agenda :. Credit flow to Women beneficiaries: The position of credit flow to women as on..6 is as under: Period Sep 6 Outstanding No. 4509 568.58 (Rs. In cr) Disbursement during the quarter (0/0/6 to //6) No. 4644 094.0 Disbursement up to the quarter (0/04/6 to //6) No. 784088 869.06 During the quarter under review, banks have disbursed loans amounting to Rs. 094.0 cr to 4644 women beneficiaries. During the year up to Dec 06, banks have disbursed an amount of Rs.869.06 cr to 784088 women beneficiaries. loan outstanding as the end of Dec. 06 to women beneficiaries at Rs. 568.58 cr constitute 0.40% of priority sector advances and 6.56% of total advances. Bank wise position as on..6 is given in the Annexure.. Overdues/NPAs under loans to women as on..6 (Rs. In lac) Outstanding S. N o. Particu-lars Loans to Women beneficiaries Overdues Amt overdue s Balance in overdues a/c. 4509 568.58 46046 68. NPAs Actual overdue s amount No.of 46.6 (9.%) 5075 086.67 (4.%) 9.% of outstanding loans to women beneficiaries are overdues whereas 4.% of outstanding loans to women beneficiaries are NPAs in the books of the banks. 8
Agenda -: Position of implementation of Government sponsored schemes during the financial year 06-7:. National Rural Livelihood Mission (NRLM) SHG-Bank linkage programme position as on..6 The position of SHG-Bank Linkage as on..06 is as under: (Rs. In cr) Period Outstanding No. 580 Dec 6 Disbursement during the quarter (0/0/6 to //6) 4590.09 No. 790 Disbursement up to the quarter (0/04/6 to //6) No. 740 00.8 7.07 Bank-wise position as on..6 is given in the Annexure 4.. Overdues / NPA position (NRLM) as on..6 Outstanding Particulars S.No. Amt 580 NRLM 4590.09 (Rs. In cr) Overdues NPAs No. Of accounts with overdues Balance in overdues a/c. Actual overdues amount 598 679.6 94.59 (4.4%) No.of 4 98.54 (4.%) 4.4% of loans under NRLM are overdues in the books of banks. 4.% of loan outstandings i.e., Rs. 98.54 cr are NPAs in the books of banks. Bank-wise linkages Overdues / NPAs position is given in the Annexure.. SHG-Bank linkage under NULM programme position as on..6 The position of SHG-Bank Linkage as on..6 is as under: (Rs. In cr) Period Outstanding No. Dec 6 Disbursement during the quarter (0/0/6 to //6) 078 88.04 No. Disbursement up to the quarter (0/04/6 to //6) 5587 No. 58. 8990 58.54 Bank-wise position as on..6 is given in the Annexure 4..4 Overdues / NPA position (NULM) as on..6 Outstanding S.No. Particulars NULM 078 Amt 88.04 (Rs. In cr) Overdues NPAs accounts with overdues Balance in overdues a/c. Actual overdues amount No.of 5587 7.5.09 (.8%) 69.74 (.88%).8% of loans under NULM are overdues in the books of banks. 9
.88% of loan outstandings i.e., Rs..74 cr are NPAs in the books of banks. Bank-wise linkages Overdues / NPAs position is given in the Annexure 4.5Position of implementation of Government sponsored schemes during 06-7 Central Government: (Rs. In cr.) Disbursements during the quarter Outstanding as on from 0.0.6 to..06..6 Scheme No.of No.of a/cs A/cs Central Government Sponsored Schemes 455 6.7 47 55.6 (total of i to x) 580 4590.09 790 7.06 I SGSY / NRLM 078 88.04 5587 58. Ii SJSRY / NULM 9550 596.6 848. Iii PMRY / PMEGP 664.0 0.0 Vii ISHUP / RRY Agri Clinics / Agri Business 75 5.6 0.44 Viii Centres Dairy Entrepreneurship Development Scheme Renewable Sources of Energy Farmer Producer Organisation Ix X Xi.6 Outstanding No. 0480 Dec 6 7.90 Disbursement during the year 0.04.6 to..6 No.of A/cs 50704 5.67 740 8990 56 4 00.8 58.54 5.68 0.5.07 064 07.8 860 0.57 86 9.8 44. 4 0. 5 0. 0 0.00 0 0 0 0 Credit flow under DRI scheme DRI scheme as on..06 Period the financial year (Rs. In cr) Disbursement during the quarter (0/0/6 to //6) No. 458 0.50 Disbursement up to the quarter (0/04/6 to //6) No. 77.49 During the year up to Dec. 06, banks have sanctioned Rs..49 cr under DRI scheme. Bank-wise position as on..6 is given in the Annexure..7 Overdues / NPA position as on..6 Outstanding S.No. Particulars DRI 0480 Amt 7.90 (Rs. In cr) Overdues overdue s Balance in overdues a/c. 867.54 NPAs Actual overdues amount 6. (6.5%) 804 7.09 (8.7%) 8.7% of loans under DRI scheme are NPAs in the books of banks whereas 6.5% of outstanding loans are overdues. 40
Agenda - 4: Position of implementation of Government sponsored schemes during the financial year 06-7 Government of Telangana schemes: 4.. Targets 06-7 (all State Govt. Sponsored Schemes): District wise targets have been sent to respective Lead District Managers and accordingly, LDMs were allocated the same to banks. 4. State Govt. Sponsored schemes (all schemes) Period Outstanding No. Dec 6 887 Disbursement during the quarter (0/0/6 to //6) 50409.0 (Rs. In cr) No. 5507 Disbursement up to the quarter (0/04/6 to //6) No. 77.9 7040 6545.08 During the quarter under review, banks have financed 5507 beneficiaries with an outlay of Rs. 77.9 cr. During the year up to Dec. 06, banks have disbursed an amount of Rs.6545.08 cr to 7040 beneficiaries. 4. Performance of Govt. Sponsored schemes: (Rs. In cr) Outstanding as on..06 Scheme State Government Sponsored Schemes ( of i to xx) No.of a/cs Disbursements from 0.04.6 to..6 No.of A/cs 887 50409.0 7040 6545.08 i APMIP 995 5.77 58 0.5 ii RKVY 46 7.9 74 0.60 iii 6848 69.58 7 0.96 059 66.50 5.47 v Water Resources Development Animal husbandry / Milch Animal Units (including Pasukarnthi Pathakam) Sheeep & Goat (including Jeevakranthi Pathakam) 979 65.8 48.87 vi Fisheries - GSS 59 9.65 0 0.8 vii Horticulture 540 8.6 46 0.80 viii Poly-house 94 8.6 4 44.5 ix Sericulture 07 0.94 0.6 x SERP (SHG Bank Linkage - Rural) 45 467. 79 009.58 xi MEPMA (SHG Bank Linkage -Urban) 977 68.4 578 9.8 xii Weavers Credit Cards 7 9.46 85.59 xiii Handloom Weavers Groups 605.97 40 0.6 iv 4
xiv S.C.Action Plan 4779 076.65 5459 9.96 xv S.T.Action Plan 0097 449. 79. xvi B.C.Action Plan 48 49.99 545 6.44 xvii Minorities Finance Corpn. 78969 467.97 695 5.5 xviii Christian Finance Corpn. 646 6. 70.08 xviiii Rajiv Gruhakalpa 4 7.9. xx VAMBAY 50 7.05 56.78 xxi Rajiv Yuva Sakthi 75 99.79 8.47 xxii Renewable Sources of Energy 454.0 0 0. xxiii Economic Rehabilitation Scheme for Disabled 67 4.55 6 0.84 xxiv Others 0550 9.09 07 4950.89 Bank wise / scheme-wise (some) position as on..6 is given in the Annexures no. 5, 6, 7, 8, 9, 0,. 4.. Fisheries: Achievement as on..6 (Rs. in lac) Credit proposed for Govt. sponsored schemes in the credit plan Credit extended to Govt. sponsored schemes Direct loans to Fisheries sector by the Banks Rs. 54.00 966.00 4.. TS. Backward Classes Co-op. Finance Corporation- Performance as on..6: (Rs. in cr) Name of the District Adilabad Hyderabad Annual Targets benefi ciaries 407 Subsidy amount 89.99 Applications received units 670 beneficiries % to target 670 Bank consent s received Achievement beneficiaries 79 450 57.0 Subsidy amount released 740 700.00 4589 4589 6 679 48 48.58 Karimnagar 0 05.6 8 874 644.0 Khammam 74 077.70 9 9 0 480 50 84.99 Mahabubnag ar Medak 50 054.5 7 7 0 47 07 70.0 664 5.0 4697 4697 5 50 67 55.74 Nalgonda 90 764.9 909 909 0 484 69 444.5 Nizamabad 40 86.7 8687 8687 6 659 5.59 Rangareddy 067 894.76 58 58 40 8 0 7.90 Warangal 97 804.00 6865 6865 7 04 97 70.88 6909 5600.00 86 86 609 787 564.4 4
4.. TS. Minorities Finance Corporation- Performance as on..6: subsidy as per labs/ranges Sl.NO 4 5 6 7 8 9 0 Name of the District ADILABAD HYDERABAD KARIMNAGAR KHAMMAM MAHABOOBNAGAR MEDAK NALGONDA NIZAMABAD RANGAREDDY WARANGAL Minority population as per 0 census Target Category-I Unit cost upto Subsidy released Rs..00 lakh (80:0) 0796 747608 47568 60757 Phy 4 54 5 44 87 Fin 5 5.8.54 4.75.06 Phy 6 47 5 56 Fin 7.50 0.0.85.85 5775 60 6.45 48.86 44986 9006 96488 6786 9974 4559704 66 40 709 57 85 6.58.66 7.59.4.8 87.40 496 7 570 90 87 6555.96.8 4.56 7.8.0 5.44 Phy. 8 5 075 4 6 7 Fin. 9.08 8.60.80.4 0.89 57 86 4 445 9.97.49.80.47.9.80 subsidy as per labs/ranges Sl.NO 4 5 6 7 8 9 0 Name of the District ADILABAD HYDERABAD KARIMNAGAR KHAMMAM MAHABOOBNAGAR MEDAK NALGONDA NIZAMABAD RANGAREDDY WARANGAL Minority population as per 0 census Target Category-II Unit cost upto Subsidy released Rs..00.00 lakh (70:0) 0796 747608 47568 60757 Phy 4 54 5 44 87 Fin 5 5.8.54 4.75.06 5775 60 44986 9006 96488 6786 9974 4559704 66 40 709 57 85 Phy 0 8 478 68 44 Fin.6 6.69 0.95 0.6 6.45 9.9 6.58.66 7.59.4.8 87.40 94 5 09 7 55 48. 0.7.5.4 0.77 7.48 Phy. 4 4 7 4 0 Fin. 0.05.9 0.5 0.46 0 7 4 58 9 9 50 0. 0.57 0.78 0. 0.09 4.74 subsidy as per labs/ranges Sl.NO 4 5 6 7 8 9 0 Name of the District ADILABAD HYDERABAD KARIMNAGAR KHAMMAM MAHABOOBNAGAR MEDAK NALGONDA NIZAMABAD RANGAREDDY WARANGAL Minority population as per 0 census Target Category-III Unit cost upto Subsidy released Rs..00 0.00 lakh (60:40) 0796 747608 47568 60757 Phy 4 54 5 44 87 Fin 5 5.8.54 4.75.06 5775 60 44986 9006 96488 6786 9974 4559704 66 40 709 57 85 Phy 4 5 9 Fin 5.5 6.75 0.95 0.60 6.45 6.0 6.58.66 7.59.4.8 87.40 6 5 0 49 5 50.0 0.75.50.4 0.75 7.48 Phy. 6 Fin. 7 NIL 4
Sl.N O Name of the District Minority population as per 0 census Target Subsidy released Phy Fin 4 5 Phy. Fin. 8 9 0796 54 5.8 9. 747608 5.54 6 0.5 KARIMNAGAR 47568 44 4.75 78.9 4 KHAMMAM 60757 87.06 95.80 5 MAHABOOBNAGAR 5775 60 6.45 7 0.89 6 MEDAK 44986 66 6.58 74.0 7 NALGONDA 9006 40.66 7.06 8 NIZAMABAD 96488 709 7.59 0.58 9 RANGAREDDY 6786.4 40.59 WARANGAL 9974 57.8 454.8 4559704 85 87.40 54 8.54 ADILABAD HYDERABAD 0 Own your Auto Scheme: (Rs. In cr) Achievement 05-6 06-7 Target Phy. Fin. Phy. Fin. 4 476.78 75 5.4 5 76.9 76 0.7 77 65 4.77 79 5.96 S.No Name of the. district Hyderabad Ranga Reddy Phy 9 5 44 Fin. 8.7.0 0.7 4..4 TS. SC Co-operative Finance Corporation- Performance as on..6: Rs. In lac) Annual Targets Name of the District Adilabad Hyderabad Karimnagar Khammam Mahabubnagar Medak Nalgonda Nizamabad Rangareddy Warangal societi es 0 benefici aries 675 09 55 4058 550 4049 480 75 5758 4665 4544 Subsidy amount 4065.0 56.50 59.0 684.0 59.0 4478.80 5.60 058.80 8884.80 55.0 5445.50 Societies affiliated / identified units 659 669 4564 56 669 460 8998 4485 08 8667 66 beneficiari es 659 669 4564 56 669 460 8998 4485 08 8667 66 Applications received units 659 669 4564 56 669 460 8998 4485 08 8667 66 beneficiari es 659 669 4564 56 669 460 8998 4485 08 8667 66 % to target 79.7 86.5 7.07 0.0.00.86 94.97 6.99 5.54 64.5 58.6 Applications sanctioned & subsidy amount released to bank accounts No of bank consent received No.of units benefici aries 0 0 0 Subsidy amount 0 44
4..5 TS. TRICOR Economic Support report as on..6: Data as on 8th February 07 (Rs. In lac) Sl. No Target Name of the District Sanctions Subsidy released Phy Fin Phy Fin Phy Fin 4 5 6 7 8 Adilabad 59 8.85 0.0 784 69.08 Hyderabad Karimnagar 7 67 0. 8.9 7 7 8.75 5.85 68 5 0.55 94.09 4 Khammam 9 68.87 6 5.4 44 5.85 5 Mahaboobnagar 99 89.78 776 80.75 675 704.48 6 7 8 9 0 Medak Nalgonda Nizambad Ranga Reddy Warangal 85 846 95 0 08 87 76.9 879.7 40.5 49.85.7 7500 7 64 70 64 76 775 78.6 647.5 84.6 469.5 7.64 684. 55 464 6 4 67 58 6.56 498.67 0.74 44.5 0.0 5546.54 Agenda 5: Financial Inclusion Roadmap for Providing Banking Channels / Services: 5. Roadmap for opening brick and mortar branches in villages with population more than 5000 without a bank branch of a scheduled commercial bank RBI vide circular No. RBI /05-6 / 77, FIDD. CO. LBS. BC. No. 8 / 0.0.00 / 05-6 dated December, 05 informed that coverage of banking services in unbanked villages is skewed towards the BC model and the ratio of branches to BC is very low. For increasing banking penetration and financial inclusion, brick and mortar branches are an integral component. Therefore, it has been decided to focus on villages with population above 5000 without a bank branch of a scheduled commercial bank. This will also enable banks to provide quality financial services and timely support to BC outlets that would help in sustaining and strengthening the services provided through BCs and also ensures close supervision of BC operations. In this regard, RBI advised SLBC to identify villages with population of above 5000 which are without a bank branch of scheduled commercial bank and allot the villages among scheduled commercial banks including Regional Rural Banks for opening of branches. The opening of bank branches as per the proposed Roadmap should be completed by March, 07. SLBC has allocated 55 such centres to various Scheduled Commercial Banks / RRBs and conveyed the same to the respective banks. Progress made by banks during the quarter ended December 06 is enclosed as Annexure 56. 45
5. National Mission of Financial Inclusion Plan Pradhan Mantri Jan-Dhan Yojana (PMJDY): PMJDY Programme was launched by Hon ble Prime Minister of India on 8.08.04. Latest position of accounts opened in the state of Telangana as on 7/0/07 is shown hereunder: S.No. Type of Bank Accounts Rural Urban Male Female Deposit (Rs. PSBs RRBs Pvt. Sector (++) In 74 495 4698 0405 0567 088 485096 86840 5778 085 9695 7008 557947 80079 6886 Cr) 998.68 454. 76.7 4856 7064 8774 4679 854565 59.6 Accounts Zero Rupay Aadhaar Balance Card Seeded Account Issued 84508 0404 9444 50479 9996 50068 46990 5776 705500 4856 704785 6556606 (Source: PMJDY Mission Office) accounts opened in rural areas are 48,,56 and in urban areas are 7,,064 totalling to 85,45,65 accounts. Ru-Pay Debit Cards were issued to 7,04,785 (8.4%) account holders 65,56,606 accounts were seededlinked with Aadhaar (76.7%) 4,8,56 accounts are Zero Balance Accounts (8.4%) 5. District-wise Progress report on PMJDY accounts as on 7.0.7 S. N o. District ADILABAD 49749 074 5506 979 785 5.4 4584 446850 5987 HYDERABAD 40 97064 46045 60459 040404 0.59 545 96906 859904 KARIMNAGAR 86407 6848 46946 6799 090875 8. 969 856469 85486 4 KHAMMAM 9457 606 466 76557 507 7.09 757 45899 46095 5 MAHABUBNAGAR 849460 747 5475 6756 0607 0. 478 0860 85689 6 MEDAK 59409 686 40544 4506 85670.85 448 7565 64799 7 NALGONDA 5057 664 465 44989 86754 07.7 6855 67488 590670 8 NIZAMABAD 8784 865 49704 6445 56649 7.7 4649 4808 46609 6766 596 4667 4795 8900 5 47675 794544 7086 65544 40998 600 46 77556 89.8 4449 6659 66879 4856 7064 8774 4679 854565 59.6 4856 704785 6556606 9 0 Accounts Rural RANGA REDDY WARANGAL Urban Male Female Deposi t (Rs. In Cr) Accounts Zero Balance Accoun t RupayCar d Issued Aadhaa r Seeded (Source: PMJDY Mission Office) Bank-wise / district-wise performance under PMJDY is enclosed as Annexure 57 46
5.4 Deployment of Bank Mithras: Banks have to complete the process of deployment of Bank Mithras in all the pending locations. Wherever bank Mithras are appointed, banks have to ensure that they work from a fixed point location with online interoperable devices at the earliest so that the benefits of PMJDY can reach to the beneficiaries. Bank wise Bank Mithras list is enclosed as Annexure 58. 5.5 Social Security/Insurance schemes launched by Government of India. i. Pradhan Manthri Surkasha Bima Yojana an accident insurance scheme; ii.pradhana Manthri Jeevan Jyothi Bima Yojana, a life insurance scheme; iii. Atal Pension Yojana - pension scheme; The progress made by banks in the State as on //06 is furnished hereunder: Type of Bank PSBs PMSBY 998 PMJJBY 5559 APY 857 578058 Pvt. Sector Banks 7494 965 7807 8889 RRBs 6084 0668 805 9786 99 55 0 647 586058 6877 549 7594 Co-operative Banks Grand Bank-wise enrolment data is enclosed as Annexure 59. Bank-wise position on claims in respect of PMJJBY and PMSBY is enclosed as Annexure 60. 5.6 Unbanked Mandal / Mandals in which there is no bank branch in Mandal Head Quarters: There is no unbanked mandal in the State of Telangana. 5.7 Opening of branches in Tribal areas: No request has been received for opening of branches in tribal areas of Telangana State, during the quarter. 5.8 Online VIP Reference Tracking Module with Banks / SLBC: The system was operationalized w.e.f 0.06.05. No VIP references were received during the quarter. 47
5.9 Installation of ATMs: Govt. of India has advised all Banks including Regional Rural banks to establish onsite ATMs at their branches to enable the beneficiaries to draw the benefits as per their convenience. MoF also advised Banks to go for offsite ATMs wherever there is no possibility of provision of on-site and other infrastructures readily available at the branch. It is also advised that top priority is to be given for establishment of ATMs in all identified pilot districts under Direct Benefit Transfer Scheme. Onsite ATM means ATM installed at the branch or within 500 meters vicinity of the branch and in case of SBI, ATM of any SBI group of banks located within 500 meters vicinity will be considered as onsite ATM. All Banks to ensure that Micro ATMs are to be placed in all BC locations immediately to enable the DBT beneficiaries to draw the benefits. S.No. Quarter ended ATMs Dec'04 78 Mar'05 7944 Mar 06 85 4 Sept 06 8458 5 Dec 06 867 5.0 Financial Literacy Centres (FLCs) Position: Position in Telangana: Particulars No. of FLCs Number of FLCCs operating in the District Head Quarters Number of FLCCs operating in Lead District 0 Offices Number of FLCCs operating in Divisional Head 5 Quarters Number of FLCCs operating in Rural Areas 0 86 (Detailed statement enclosed as Annexure 6) As per directions from DFS to map Govt. ITIs / PRIVATE ITIs / Skilling Centres to FLCCs, 45 FLCCs have been mapped to Govt. ITIs / PRIVATE ITIs / Skilling Centres for imparting Financial Literacy. 48
5. Availability of standardized Financial Literacy material of RBI at FLCs As advised by Reserve Bank of India, Standardised literacy material was made available to all the FLC counsellors. The material is available in SLBC website, www.telanganaslbc.com also. Controlling offices of banks are requested to advise the counsellors to make use of the standardized financial literacy material. 5. Financial Literacy activity by rural branches and FLCs: The Financial Literacy Centres (FLCs) both in Districts and LDM offices opened by the Banks are meant to take up Financial Literacy activities on a regular basis but it is observed that activities are not conducted at anticipated scale. The performance of the FLCs during the quarter under review is: 86 FLCCs are running in the state. 77 special camps and 5 specific camps were conducted by FLC / FLCCs during the quarter under review. 5 special camps and 466 specific camps were conducted by 785 rural braches in the State of Telangana. At Rural Self Employment Training Institutes in the State, financial literacy material is made available and literacy sessions are made part of sessions in the training schedule. Report of financial literacy activities conducted by FLCs for the quarter ended December 06 is enclosed as Annexure 6. Report on conduct of financial literacy camps by rural branches for quarter ended December 06 is enclosed as Annexure 6. 5. Financial Literacy Centres: Revised format for submission of data: Reserve Bank of India, vide Cir.No.FIDD.FLC.BC.No./.0.08/06-7 dated 5.08.06, advised revision in formats of quarterly reports on Financial Literacy. The revised reporting formats Annex III - Part A and B for FLCs and Part C for rural branches of the banks were circulated to Banks, FLCs/LDMs are advised to submit the revised format within 5 days from the end of Quarter. The revised formats are made available in website of SLBC also. 5.4 Rural Self Employment Training Institutes in Telangana: Statement of performance of RSETIs during the quarter under review is enclosed as Annexure 64. 49
5.5 RSETIs Pending reimbursement of Claims: is operating 7 & State Bank of India is operating RSETIs in the state. These RSETIs have to receive pending dues from SERP, Govt. of Telangana. Govt. of Telangana is requested to reimburse the pending claims of Rs. 5.8 lac to SBI & SBH as per Annexure 65 at the earliest to enable the RSETIs to give better services to the rural youth attending the training programmes thereat, towards maintenance, create / provide better infrastructure at RSETIs. 5.6 Opening of bank branches in Left Wing Extremism (LWE) affected Districts - Khammam District We have been advised by DFS that 'Financial Inclusion' is a national priority of the Government as it is an enabler for inclusive growth. Financial Inclusion is important as it provides an avenue to the poor for bringing their savings into the formal financial system besides enabling them to get benefits of various schemes under Direct Benefit Transfer (DBT). Although all round improvement has been made in expansion of banking activities across the country in recent past yet the progress in Left Wing Extremism (LWE) affected Areas have not been at par with the country. Khammam District in Telangana is identified as one of the LWE affected districts of the country. To fasten the pace of expansion of banking activities in affected LWE districts, DFS advised SLBC Convener Banks to remain in constant touch with the State Administration regarding opening of branch/installation of ATMs, particularly at campuses of Central Paramilitary Forces stationed at such LWE affected districts. DFS further advised SLBC to monitor the issuance of RuPay Cards in all the eligible accounts and also ensure availability of Bank Mitras in these areas. Position of issuance of Rupay Cards and Bank Mitras is furnished hereunder. District Rupay Cards issued Bank Mitras Khammam 45899 40 AS ON.0.05.0.07 No. Of Branches RURAL SEMI URBAN URBAN 56 9 78 57 98 85 No. Of ATMS TOTAL 6 40 6 8 50
5.7 Need for expediting Aadhaar seeding into bank accounts of Mahatma Gandhi NREGA workers by banks. Director, DFS, MoF, New Delhi advised that consents for Aadhaar seeding of bank accounts in respect of Mahatma Gandhi NREGA accounts have been given to the banks by the O/o Commissioner, MGNREGA, Department of Rural Development, Govt. of Telangana, to all the Banks/LDMs. Letter enclosed as Annexure 66. LDMs of the districts are advised to co-ordinate with the officials of Rural Development/MGNREGA at District level to ensure that all the consents reach the respective banks/branches. We request the Controllers of banks to advise the branches under their control to complete Aadhaar seeding/mapping in respect of such consents received and confirm having completed the seeding and mapping the same on the NPCI mapper. As per the latest data made available by Dept. of Rural Development, Govt. of Telangana, the position is as under. Number of consent forms Status of Aaadhaar seeding as on handed over to the Banks 5//06 (Nos) 0557 5608* *(Source: MGNREGA, Department of Rural Development, Govt. of Telangana) Banks may contact the RD, Govt. of Telangana for their data on pending applications for Aadhaar seeding of MGNREGA accounts. 5
5.8 Success stories of RSETIs: RSETI Mahabubnagar: Smt Jyothi w/o Bhaskar Reddy (Beauty Parlour): Smt.Jyothi w/o Bhaskar Reddy is a graduate, hailing from Appampally village, Dhanwada mandal in Mahabubnagar district. Her husband is a farmer. After her marriage, she decided to start her own activity to support her family. She came to know about RSETI training programmes for unemployed rural youth through news paper. She joined SBRSETI and got trained in Beauty Parlour course in the year 05. After completion of course she started own Beauty Parlour, viz., M/s Pavani Herbal Beauty Parlour, in Marikal village. Now she is earning Rs.0,000/- per month. Her family members have extended moral support to her. She is thankful to RSETI for training extended by them. RSETI Mahabubnagar: Sri C Venkata Ramana s/o Tirupathaiah (Photo Studio): Sri Venkataramana s/o Thirupathaiah belongs to Mahabubnagar. He studied up to Intermediate and worked as daily wage labourer for few months which was not sufficient to run the family. He came to know through News Papers that RSETI, Mahaboobnagar provides skill development training in many activities which is free of cost. He joined in Basic Photography & Videography training and improved his skill and also gained the knowledge of Entrepreneurship. After completion of the training he worked in a Photo Studio as an employee for some time. The he started his own business, viz., M/s Balaji Digital Studio at Mahabubnagar with his own funds. Now he is earning Rs. 0000/- per month. RSETI Sangareddy: Sri Jambula Ashok s/o Sangappa (Dairy Farming): Sri Ashok s/o Sangappa is a resident of Khashimpur village of Zaheerabad mandal. He studied up to th Standard and started Dairy Farming business. He has undergone 6 days Dairy Farming training programme at RSETI, Sangareddy. The training at the Institute has helped him to acquire necessary skills to manage his milk business and earn a monthly income of Rs.5,000/- for his sustenance. He thanked SBIRSETI, Sangareddy, for providing quality training to improve his existing business in a profitable manner. He is now planning to buy more cattle by availing bank finance. RSETI Sangareddy: Sri G Jagan Mohan s/o Shivaiah (Dairy Farming): Sri G Jagan Mohan s/o Shivaiah, resident of Chinthalpally village of Sangareddy mandal, had studied up to 0th Standard and started Dairy Farming business. He had undergone 6 days Dairy Farming training programme at RSETI, Sangareddy from 9.09.06 to 04.0.06. The unique 5
training at the Institute has helped him to acquire necessary skills to manage his milk business and earn a monthly income of Rs.8,000/- for his sustenance. He thanked SBIRSETI, Sangareddy, for providing quality training to conduct his existing business in a profitable manner. He is now planning to buy more cattle by availing bank finance. RSETI Sangareddy: Smt K Navya w/o Ravinder (Dress Designing): Smt K Navya w/o Ravinder, resident of Muslapur village, Alladurg mandal had studied up to 0 th Standard and she came to know about the training programme through friends. She had undergone Dress Designing for Women training programme at RSETI, Sangareddy. The unique training helped her to acquire the necessary entrepreneurial skills. On completion of the training, she has established a Tailoring unit at her house by raising funds from her family and friends. She gained good name in the village for quality of stitching clothes and sale of falls, petticoats etc., Presently, she is earning Rs.6,000/- per month. She owed her success to SBIRSETI, Sangareddy, RSETI Sangareddy: Smt M Sunitha w/o Ravi (Tailoring): Smt M Sunitha W/o Ravi, resident of Pastapur village, studied up to 0th Standard. She had undergone Fashion Designing training programme at RSETI, Sangareddy. On successful completion of the training, she has established a Tailoring unit at her house by raising funds from her family and friends. She gained good name in the village for quality of stitching clothes and sale of falls, petticoats etc., Presently, she is earning Rs.6,000/- per month. She owed her success to SBIRSETI, Sangareddy, RSETI Utnoor: Sri Nanda Kishore s/o Narsaiah (Electrical Motor Winding): Sri P Nanda Kishore, s/o Narsaiah, aged 5 years, resident of Degam village, Bazarhathnoor th Mandal, Adilabad Dist. He studied up to 0 standard. He decided to start Electric Motor Rewinding & Pumpset Maintenance business, for his livelihood with own investment. He came to know about RSETI at an awareness programme organized by RSETI faculty and completed training on Electric Motor Rewinding & Pumpset Maintenance at RSETI Institute, Utnoor and gained sufficient knowledge. After successful completion of the training, he established a Electric Motor Rewinding & Pumpset Maintenance business with his own funds at Degam Village. Now he is earning Rs.,000/- per month and he expressed his gratitude for the excellent training given by RSETI. 5
RSETI Utnoor: Sri V Devidas s/o Ashok (Mobile Phone Servicing): Sir V Devidas s/o Ashok, aged 4 years, resident of Degoama village, Bazarhathnoor Mandal, Adilabad District, studied th standard and he is Physically Challenged. He decided to start a Mobile Phone Servicing centre, to get self employment and generate income for his livelihood. He came to know about the training provided by RSETI at free of cost/boarding/accommodation. He joined the multi phone servicing programme and developed skills and knowledge. After successful completion of training he established a Multi Phone Servicing unit, viz., M/s Devidas Multi phone servicing at his native village. Now he is earning Rs.7,000/- per month and expressed his gratitude for the excellent training given by RSETI. RSETI Utnoor: Smt K Swapa w/o Srinivas (Cloth Bag Manufacturing): Smt Swapna w/o Srinivas, aged 5 years, resident of Kasipet village, Tandur Mandal. She has studied up to 0th standard and she was married. To overcome the financial problems she decided to start Cloth Bag Making, to get self employment and generate income for her family. She came to know about RSETI Training programme which will be provided at free of cost/food/accommodation. She joined the program on Cloth Bag Making and on completion of the program she established a Cloth Bag Making unit by availing finance from. Now she is earning Rs. 6,000/- per month and she is reaping the benefits of her hard work, sincerity, accepting responsibility and strong desire to others. RSETI Utnoor: Sri Y Shanker s/o Raju (Taxi): Sri Yapala Shankar s/o Raju, aged years resident of RR Colony, Asifabad Mandal, Adilabad District, hails from a middle class family and studied up to 0th standard. To overcome the financial problems he decided to run a taxi for self employment as well as to generate income for his family. He came to know about RSETI Institute training program which will be provided at free of cost/food/ accommodation. As per his interest he joined the progamme of driving the Light Motor Vehicle. After successful completion of the training he had purchased a Tata Magic Vehicle by availing Bank Finance of Rs.4.0 Lacs and 54
support from ITDA, Utnoor. Now he is earning Rs. 8,000/- per month, and expressed his gratitude for the excellent training given by RSETI. RSETI Chilkur: Smt Vaishali w/o Ganesh (Mfg. of Agarbathis): Smt. Vaishali w/o Ganesh, aged 4 years, had completed her graduation. Her husband was doing Marketing business and the income is not sufficient to run the family and to meet the expenses to their two school going children. She was having some knowledge about Agarbathis and perfume products manufacturing. She has decided to establish own unit for manufacturing of Agarbathis. During the camp for Joint Identification she got selected under PMEGP scheme Canara Bank, Saidabad Branch. She attended the EDP training at RSETI Chilkur and got the inputs required for the activity. She expressed humble thanks to the institute for having teached the marketing, communication and behavioural skills. After successful completion of the EDP training, she established the agarbathi manufacturing unit by availing finance from the Bank. Now she is having satisfaction of providing employment to 5 labours in the unit, apart from her monthly earnings. RSETI Chilkur: Smt P Kavitha w/o Ravi Kumar (Textiles & Garments): Smt. P.Kavitha was running a small unit in her home, before she underwent training and getting financial assistance from the bank. She discontinued her studies in graduation and joined the business of Readymade garments business which was hitherto run by her husband. She faced lot of hardships to run the business from home. She joined the Fashion designing course at RSETI, Chilkur and gained skills for marketing and designing. After completion of the training programme she availed bank finance from Oriental Bank of Commerce under PMEGP scheme and introduced new designs in her business. The EDP programme provided by RSETI, Chilkur helped her to know the places where the Raw materials are available at cheaper rates, the way to deal with the customers, and marketing techniques. Now she is a successful entrepreneur running her business on profitable lines, providing employment to 4 people in her establishment. 55
Agenda 6: 6. Lead Bank Scheme Attendance in JMLBC/DLRC/DCC Meetings: It is brought to the notice of SLBC that in some districts due to non participation by the controllers of banks and representatives of Banks DCC/DLRC meetings were postponed by the District Collectors. This is a matter of serious concern and all banks are advised to take corrective steps and ensure attendance at appropriate level in JMLBC/DCC/DLRC meetings. LDMs are advised to maintain the attendance of meetings and inform the names of absentees to the controlling authorities of banks. Banks are advised to attend all JMLBC/DLRC/DCC meetings regularly and ensure 00% attendance in the meetings and participate in the deliberations. 6. Information to be submitted quarterly by banks and LDMs: All Banks and LDMs are advised to submit the quarterly information to be submitted to SLBC within 5 days from the end of the respective quarter to enable the SLBC to consolidate the position and to convene the SLBC meetings as per schedule. The delay in submission leads to delay in conducting of SLBC meetings. Hence, all banks and LDMs are advised to submit the data well on time to adhere to the time schedule of SLBC meetings. 6. Lead Bank Scheme Sensitization Programme for District Collectors & CEO of Zilla Parishas: As per Lead Bank Scheme guidelines issued by Reserve Bank of India, a sensitization programme for District Collectors & CEOs of Zilla Parishads of Telangana State has to be held. In this regard, SLBC has already requested IF Dept., GOT to advise a date on which the meetings could be held. We once again request Govt. of Telangana to advise an early date for holding the Collectors / CEOs of Zilla Parishad Conference. 56
Agenda 7: 7. Overdues / NPA position: Overdues / NPAs position as on..06 under various sectors (Amt. in cr.) Outstanding Sector Short Term crop production advances Overdue Amout balance in overdue accounts NPAs Actual overdue amount 48865 0.49 00 885.5 50.8 005 606.8 88706 680. 85900 479. 99.8 847 56. 8644 979 85.6 5977.0 94 659 8.69 557.95 64. 79.9 744 980 47.66 74.6 580650 5694.4 8965 44.6 786.60 84706 409. 80886 44746.87 50749. 56.0 87068 59.9 5588 074.88 748 56.5 665.79 566 6. 54 94.4 5.8 0.07 0 0 Priority Sector Advances 768758 40.57 54507 886.75 45.56 4885 058.44 Non-Priority Sector Advances 564840 75576.09 4807 994.9 7608.8 899 48. advances Break-up of Others'under PSA Education Loans 876 409686.66 7654 68778.68 74.7 504 490.75 86985 450. 77 478.4 5.6 60 4.66 Housing Loans 04898 480.9 499 840. 49.70 4896 78.54 799 5.86 54 6.08 8. 6 5. 55 59.08 6 4.7.45 76.6 769 7.88 9.46 897 799.8.70 0.99 90.08 5077 95.90 4.6 Agri. Term loans incl. Agric allied activities Agr. Infrastructure Agr. Ancillary Agri. Advances MSME Sector advances Others'under Priority Sector Advances Export credit Social Infrastructure Renewable Energy SHG - Non Farm Sector (Other than eligible under MSME) Others Bank-wise position on overdues / NPAs in Others under priority sector advances is enclosed as Annexure 7. Bank-wise position on overdues / NPAs under Priority Sector advances is enclosed as Annexure 8. 57
Bank-wise position on overdues / NPAs under Non-Priority Sector advances is enclosed as Annexure 9. Bank-wise position on overdues / NPAs under Advances is enclosed as Annexure 40. Short Term Agriculture Crop Production Loans: The total overdues at Rs.50.8 cr constitute 5.90% of outstandings and NPAs at Rs. 606.8 cr constitute 5.00% to total outstandings Agriculture Term Loans Including Allied Activities: The total overdues at Rs.99.8 cr constitute.46% of outstandings and NPAs at Rs.56. cr constitute 9.8% to total outstandings. Agriculture Infrastructure loans: The total overdues at Rs.64. cr constitute 5% of outstandings and NPAs at Rs.47.66 cr constitute.49% to total outstandings. Agriculture Ancillary activities: The total overdues at Rs.79.9 cr constitute.8% of outstandings and NPAs at Rs.74.6 cr constitute.95% to total outstandings. agriculture Advances: The total overdues at Rs.786.60 cr constitute.95% of outstandings and NPAs at Rs.409. cr constitute 7.7% to total outstandings. MSME Sector Advances: The total overdues at Rs.56.0 cr constitute.54% of outstandings and NPAs at Rs.59.9 cr constitute.05% to total outstandings. Other Priority Sector Advances: The total overdues at Rs.665.79 cr constitute.68% of outstandings and NPAs at Rs.85.75 cr constitute.7% to total outstandings. Priority Sector Advances: The total overdues at Rs.45.56 cr constitute.% of outstandings and NPAs at Rs.056.98 cr constitute 8.5% to total outstandings. Non-Priority Sector Advances: The total overdues at Rs.7608.8 cr constitute 6.6% of outstandings and NPAs at Rs..59 cr constitute 8.77% to total outstandings. Advances: The total overdues at Rs.74.7 cr constitute 8.0% of outstandings and NPAs at Rs.569.57 cr constitute 8.57% to total outstandings. Housing Loans Advances: The total overdues at Rs.49.70 cr constitute.5% of outstandings and NPAs at Rs.46. cr constitute.48% to total outstandings. Education Loans Advances: The total overdues at Rs.5.6 cr constitute.4% of outstandings and NPAs at Rs.07.5 cr constitute.87% to total outstandings. 58
Self Help Group Advances: The total overdues at Rs.0.99 cr constitute.86% of outstandings and NPAs at Rs..90 cr constitute.6 % to total outstandings. 7. Overdues / NPAs position under State Government sponsored scheme as on..6 (Rs. In cr) Outstanding S.No. Particu-lars State Govt schemes Overdues overdues Amt 887 50409.0 NPAs Balance in overdues a/c. 845 96.55 Actual overdues amount No.of 6690.85 (.7%) 79059 5040.4 (0.00%) Under State Government sponsored schemes, an amount of Rs. 5040.4 cr i.e., 0.00% of total outstandings are NPAs. Similarly,.7% of outstanding advances are overdues under State Govt. sponsored schemes. 7. Overdues / NPAs position under State Government sponsored scheme as on..6 (Rs. In cr) Outstanding as on..6 i ii Scheme State Government Sponsored Schemes ( of i to xx) APMIP iv RKVY Water Resources Development Animal husbandry / Milch Animal Units (including Pasukarnthi Pathakam) v vi Sheeep & Goat (including Jeevakranthi Pathakam) Fisheries - GSS iii Overdues including NPAs as on..6 Out of Overdues, NPAs as on..06 No.of A/cs Balance in overdues A/cs Actual overdues amount 887 995 50409.0 5.77 845 50 96.55 6. 6690.85.86 79059 09 5040.4 8.96 46 7.9 908 8. 6. 588 4.86 6848 69.58 48 48.4 5.5 549.46 059 66.50 0485 79.5 46.8 986 46.40 979 59 65.8 9.65 48 80 7.07 0.8 8.5 6.74 4 580 7.96. No.of a/cs No.of A/cs 59
Outstanding as on..6 No.of a/cs Scheme Overdues including NPAs as on..6 No.of A/cs Balance in overdues A/cs Actual overdues amount Out of Overdues, NPAs as on..06 No.of A/cs Vii viii Horticulture Poly-house 540 94 8.6 8.6 64 0 4.8 0.00.98 0.00 79 0 4.57 0.00 ix 07 0.94 58 4.67 4.49 8 4.7 45 467. 05 697.69 467.9 096 68.64 977 7 68.4 9.46 7 48 84.8. 45.05 0.7 90 65 8. 0.95 xiii Sericulture SERP (SHG Bank Linkage Rural) MEPMA (SHG Bank Linkage -Urban) Weavers Credit Cards Handloom Weavers Groups 605.97 66 6.07 8.50 840 7.7 xiv xv S.C.Action Plan S.T.Action Plan 4779 0097 076.65 449. 7678 854 6.9 50.60 98.5 9.79 58088 454 44.9 9.67 xvi B.C.Action Plan Minorities Finance Corpn. 48 49.99 07 479.40 46.0 569 84.7 78969 467.97 66 86.66 58. 6975 48.68 Christian Finance Corpn. 646 6. 95.6.7 446.06 Rajiv Gruhakalpa VAMBAY 4 50 7.9 7.05 855 559 50.98.47 7.47. 06 67 87.48 0.0 Rajiv Yuva Sakthi Renewable Sources of Energy 75 99.79 7560 7.88.87 5068 8.97 454.0 9 0.48 0.9 7 0.8 67 4.55 65 0.77 0.59 0.57 0550 9.09 50869 665. 464.8 5444 0.45 x xi xii xvii xvii i xvii ii xx xxi xxii xxii i xxi v Economic Rehabilitation Scheme for Disabled Others APMIP: 4.47% of the outstanding loans extended under APMIP scheme are overdues and.55% of the outstanding loans are NPAs. RKVY: 4.4% of the outstanding loans extended under RKVY scheme are overdues and 7.% of the outstanding loans are NPAs which is quite high. Water Resources Development units: 6.67% of the outstanding loans extended to Water Resources Development units are overdues and 6.47% of the outstanding loans are NPAs which is high. Milch animal units: 8.% of the outstanding loans extended to milch animal units are overdues and 7.87% of the outstanding loans are NPAs which is quite high. Sheep & Goat: 4.5% of the outstanding loans extended to sheep & goat units are overdues and 4.90_% of the outstanding loans are NPAs which s quite high. Fisheries-GSS: 9.8% of the outstanding loans extended to fisheries groups are overdues and 5.46% of the outstanding loans are NPAs which is quite high. 60
Horticulture units: 8.5% of the outstanding loans extended to horticulture units are overdues and 7.9% of the outstanding loans are NPAs which is quite high. Sericulture units: 4.04% of the outstanding loans extended to sericulture units are overdues and 8.4% of the outstanding loans are NPAs which is quite high. SERP:.% of the outstanding loans extended under SERP - SHG linkage are overdues and 8.85% of the outstanding loans are NPAs which is quite igh. MEPMA: 8.85% of the outstanding loans extended under MEPMA - SHG linkage are overdues and 4.96% of the outstanding loans are NPAs. Handloom weavers groups: 6.99% of the outstanding loans extended to Handloom weavers groups are overdues and.07% of the outstanding loans are NPAs which is quite high. SC Corporation: 7.69% of the outstanding loans extended to SC beneficiaries are overdues and.75% of the outstanding loans are NPAs which is quite high. ST Corporation: 48.9% of the outstanding loans extended to ST beneficiaries are overdues and 4.67% of the outstanding loans are NPAs which is quite high. BC Corporation: 0.7% of the outstanding loans extended to BC beneficiaries are overdues and 7.05% of the outstanding loans are NPAs which is quite high. Minorities Corporation:.79% of the outstanding loans extended to minorities community are overdues and.77% of the outstanding loans are NPAs which is quite high. Rajeev Gruhakalpa:.80% of the outstanding loans extended under Rajeev Gruhakalpa are overdues and 40.4% of the outstanding loans are NPAs which is quite high. VAMBAY: 4.9% of the outstanding loans extended under VAMBAY scheme are overdues and 4.9% of the outstanding loans are NPAs which is quite high. Rajeev Yuva Shakti:.94% of the outstanding loans extended beneficiaries under Rajeev Yuva Shakti are overdues and 9.0% of the outstanding loans are NPAs which is quite high. Renewable Energy: 9.6% of the outstanding loans extended under Renewable Energy are overdues and 8.95% of the outstanding loans are NPAs which is quite high. As all the loans extended under Govt. Sponsored schemes are registering increase in NPAs, we request the State Government to pass on necessary directions to the concerned departments to assist the banks in recovery to enable the banks to make fresh grounding within the time frame. 6
7.4 Overdues / NPAs position under Central Government sponsored schemes as on..6 (Rs. In cr) Scheme i ii iii vii Central Govt Sponsored Schemes SGSY / NRLM SJSRY / NULM PMRY / PMEGP ISHUP / RRY Agri Clinics / Agri Business viii Centres Dairy Entrepreneurship ix Develoment Scheme x Renewable Sources of Energy xi Farmer Producer Organisation Overdues including NPAs as on Out of Overdues,..6 NPAs as on..6 Balance in Actual No.of overdues overdues No.of A/cs A/cs amount A/cs 668 4.0 58.4 88 5.69 598 679.6 94.59 4 98.54 5587 7.5.09 69.74 75 4.75 0.5 078 5.5 448.84.8 60.7 Central Govt. Sponsored schemes: 66 4.59.9.89 65 94 0 9.68 0.50 0 48.44 0.9 0 6579 4 0 47.89 0. 0 9.% of outstandings in Central Government sponsored schemes are overdues and 8.55% of the outstandings are NPAs. SGSY/NRLM schemes: 4.4% of outstanding loans under SGSY scheme are overdues and 4.% of the outstanding loans are NPAs. SJSRY/NULM schemes:.8% of outstanding loans under SJSRY scheme are overdues and.88% of the outstandings are NPAs. PMRY/PMEGP schemes: 5.0% of outstanding loans under PMRY / PMEGP scheme are overdues and 4.09% of the outstandings are NPAs. ISHUP/RRY schemes: 59.00% of outstanding loans under ISHUP/RRY are overdues and 40.85% of the outstandings are NPAs. Agri Clinic / Agri business centres: 9.% of outstanding loans under Agri. Clinics / agri. Business centres scheme are identified by banks as overdues and.7% of the outstandings are NPAs. Dairy Entrepreneurship Development scheme:.% of outstanding loans under Dairy Entrepreneurship Development scheme are identified by banks as overdues and.04% of the outstandings are NPAs. Renewable Energy: 8.58% of outstanding loans under Renewable Energy scheme are identified by banks as overdues and 9.84% of the outstandings are NPAs. 6
Agenda 8: Regional Rural Banks 8. Performance of Regional Rural Banks on important parameters Regional Rural Banks main focus of lending is to Agriculture and allied activities in rural, semi-urban and urban area. Reserve Bank of India, NABARD and Sponsored Banks are reviewing the performance of RRBS at regular intervals. 8. Net work in Telangana No. Of branches as on 0.06.4 (Rs. In crore) S.No Name of the RRB No. Of branches as on.0.5 branches as on.0.6 branches as on 0.06.6 branches as on 0.09.6 branches as on..6 TGB 0 6 6 64 67 APGVB 474 474 484 485 485 480 TOTAL 777 806 847 848 849 847 On account of of shifting of 7 mandals to Andhra Pradesh from Khammam District, total branch network has come down to 480 in respect of APGVB Bank. Comparative position of branches: 8. Deposits (Rs. In crore) S.No Name of the RRB.0.5.0.6 TGB 4890.5 5867.68 58.54 596.9 6847.8 APGVB 576.5 678.45 706.55 778. 807.4 0.06.6 0.09.6..6 6
During the quarter under review: TGB has registered a growth of Rs. 884.99 cr (4.8%) in deposits. APGVB has registered a growth of Rs.89.09 cr (.9%). 8.4 Advances: (Rs. In crore) S.No Name of the RRB.0.5.0.6 0.06.6 0.09.6..6 TGB 46.54 4560.7 464.60 494.78 470.4 APGVB 687.67 7964. 8080.6 855.8 87.94 During the quarter under review, TGB has registered a decline of Rs..6 cr. Similarly, APGVB also registered a decline of Rs. 5.4 cr. 64
8.5 C D Ratio (%) S.No Name of the RRB TGB APGVB.0.5.0.6 0.06.6 0.09.6..6 85.% 77.7% 79.85% 8.90% 69.08% 9.44% 7.44% 5.7% 7.5% 0.49% TGB and APGVB have registered CD ratio of 69.08% and 0.49% respectively. Due to marginal decrease in advances and considerable growth in deposits, the CD ratio has declined for the both RRBs. 8.6 S. No. Agri. Advances % in total advances Advances outstanding as on Agricultural advances outstanding as on.0.5.0.6 0.09.6..6.0.5.0.6 0.09.6..6 46.54 4560.7 494.78 470.4 769.09 0.48 474.6 88.9 % of agriculture advances to total advances 66.5% 70.5% 70.8% 69.5% 7964. 855.8 APG 687.67 VB % of agriculture advances to total advances 555.84 569.74 5669.7 540.08 75.5% 66.7% 66.8% 65.68% Nam e of the RRB s TGB (Rs.in cr) 87.94 Out of total advances, the share of agriculture advances of TGB is at 69.5% and share of APGVB is at 65.68%. 65
8.7 S. No Break-up of Agricultural advances Name of the RRB (Rs. In cr) Crop Loans Term Loans.0.5.0.6 0.09.6..6.0.5.0.6 0.09.6..6 TGB 440.55 07.79 4.84 6. 8.54 0.69.78 5.88 APGVB 97.86 7.9 597.86 409.57 7.98 9.55 07. 99.5 8.8 Comparative position of Crop Loans: Bank TGB PGVB 8.9 Bank TGB APGVB (Rs. In cr) Dec 6 Mar'5 Mar 6 June 6 Sept 6 440.55 07.79 06.7 4.84 6. 97.86 7.9 67.7 597.86 409.57 Comparative position of Agri. Term Loans (Rs. In cr) Mar'5 8.54 7.98 Mar 6 0.69 9.55 June'6.95 960.9 Sept 6 0.78 07. Dec 6 5.88 99.5 66