state level bankers committee, odishastate level bankers committee, odisha यoक ब क, सर...

STATE LEVEL BANKERS COMMITTEE, ODISHA

यकूो बैंक, सर्कि ल कायािलय, यकूो बैंक भवन, ततृीय तल , सी-2, अशोक नगर, भुवनेश्वर – 751009

UCO Bank, Circle Office, UCO Bank Building, 3rd Floor, C-2, Ashok Nagar, Bhubaneswar – 751009 Phone: 0674-2533002, 2531152, 2392553. Fax: 0674-2532890

E-mail: [email protected]

संदर्भ स/ंLt No-SLBC/ODI/360/2016-17 ददन ंक / Date: 10.08.2016 To

राज्य स्तरीय बैंकसस समममत, उड़ीशा के सभी सदस्य

All the Members of State Level Bankers’ Committee, Odisha

महोदय/महोदया Sir/Madam,

मिषय: ददनाांक 19 अगस्त 2016 को होने िाले 144िें एस.एल.बी.सी. बैठक हेतु कायससूची नोट एिां पृष्ठभूमम पत्र । Sub: Agenda Note & Background Papers for 144th SLBC Meeting

to be held on 19th August 2016.

हमारे पत्र सांख्या एसएलबीसी/ओडीआई/ 322 /2016-17 ददनाांक 26.07.2016 के अनुक्रम में, हम कायससूची नोट एिां पृष्ठभूमम

पत्र आपके मिनम्र अिलोकन एिां ददनाांक 19 अगस्त 2016 को मेफेयर कनिेंशन , भुिनेश्वर के दक्रस्टल हॉल में होने िाले 144िें

एस.एल.बी.सी. बैठक में सहभामगता हतेु सांलमित कर रह ेहैं ।

Further to our Letter No. SLBC/ODI/322/2016-17 dated 26.07.2016; we are enclosing herewith

the Agenda Notes and Background Papers for your kind perusal and participation in the

144th SLBC Meeting to be held on 19th August 2016 at Crystal Hall of Mayfair Convention,

Bhubaneswar as per the details below:

ददनाांक / Date : 19.08.2016 (शुक्रिार Friday)

समय / Time : 10:30 AM स्थान / Venue : दक्रस्टल हॉल ( मनचली मांमिल), मेफेयर कनिेंशन, होटेल मेफेयर, भुिनेश्वर Crystal Hall (Ground Floor) in Mayfair Convention, Hotel Mayfair, Bhubaneswar.

हम आपसे मनिेदन करते हैं दक आप बैठक में अिश्य भाग लें तथा राज्य की प्रगमत एिां मिकास हतेु अपने बहुमूल्य सुझाि से हमें

अिश्य अिगत कराएां ।

We would request you to kindly make it convenient to attend the Meeting and give your

valuable suggestions for growth and development of the State.

सादर / With regards,

भिदीय / Yours faithfully,

(अमनल कुमार/ Anil Kumar) महाप्रबांधक, यूको बैंक, ि सांयोिक, एस.एल.बी.सी., उड़ीशा

General Manager, UCO Bank cum

Convener, SLBC, Odisha

अनुलिक Enclo: यथोक्त As stated above

C O N T E N T S Sl

No Particulars

Page

No

1 Banking at a glance in Odisha as on 30th

June 2016 1

2 Confirmation of Proceedings of 143rd

SLBC Meeting 3

3 Action Taken Report on major decisions taken in 143rd

SLBC Meeting 3

4 Fresh Issues 13

5 Branch & ATM Network 14

6 Banking Key Indicators 15

7 Achievement of Annual Credit Plan(ACP) 2016-17 under Priority Sector 17

8 NPA & Overdue position as on 30th

June 2016 18

9 Finance to Agriculture Sector 19

10 Finance to MSME Sector 21

11 RSETI Issues 23

12 Finance to Weaver Sector 25

13 Finance to Handicrafts Sector 26

14 Finance to Self Help Groups 27

15 Progress under Govt. Sponsored Programmes 28

16 Finance under Education Loan 31

17 Finance under Housing Loan 31

18 Implementation of Prime Minister’s New- 15 Point Programme 32

19 CGTMSE Scheme 32

20 Disposal of loan applications under various Govt. schemes 32

Annexures Particulars Page No

1 Bank wise progress under Roadmap for providing Banking Services 34-35

2 Pradhan Mantri MUDRA Yojana (PMMY) Performance 36-37

3 Bank wise performance under PMJDY 38-39

4 Bank wise District wise BSBDA 40-41

5 Enrollment status of PMSBY, PMJJBY & APY 42-42

6 Claim Settlement Status of Social Security Schemes 43-43

7 Status of Direct Benefit Transfer to LPG Consumers 44-44

8 Status of Aadhaar Generation. 45-45

9 Bank wise District wise Branch Network 46-47

10 Bank wise District wise Branch Opened Report 48-49

11 ATM Network in Odisha 50-51

12 Key Indicators 52-53

13 Area wise CD Ratio 54-55

14 Annual Credit Plan (A.C.P) 2016-17 56-61

15 Revised Annual Credit Plan Target for the year 2016-17 62-67

16 Scheme wise NPA,Overdue & Recovery Position 68-75

17 Particulars of cases filed under OPDR Act and OACOMP Act. 76-78

18 SARFAESI Cases pending with District Magistrate 79-80

19 Finance under Agriculture 81-81

20 Finance under KCC 82-82

21 Finance under Allied Agriculture 83-83

22 PMFBY - Implementation during Kharif 2016 84-87

23 Credit flow to MSME 88-91

24 List of Unrecognised Clusters under MSME 92-94

25 Study to find out list of unrecognised clusters under MSME 95-95

26 Sick MSME Report 96-96

27 RSETI Achievement as on 30.06.2016 97-97

28 Performance of RSETIs in Odisha as on 30.06.2016 98-98

29 RSETI Grading / Residential Training / Building Construction Status 99-99

30 Revised PMEGP Target for SC/ST Category 100-101

31 Finance under Weaver Credit Card 102-102

32 Finance under Self Help Group 103-103

33 PMEGP Margin Money Claim Certificate 104-104

34 RSETI Claim Pending Status 105-105

35 Finance under SC / ST Sector 106-107

36 Finance under JLG 108-108

37 Finance under ACC 109-109

38 Finance under SCC 110-110

39 Finance under Education loan 111-111

40 Finance under Housing Loan 112-112

41 Credit facility to Minority Community 113-113

42 Credit Facility under CGTMSE 114-114

43 Disposal of loan applications under various sectors 115-122

44 Staff Strength as on 30.06.2016 123-123

LIST OF ANNEXURES

1

BANKING AT A GLANCE IN ODISHA

AS ON 30th JUNE 2016

(Rs. in Crore)

Sl No Particulars As on 30th

June 2016

1 Total Deposit 2,19,482.54

2 Total Advance utilized in the state 1,72,434.02

Total Advance sanctioned and utilized in the state 1,17,277.87

3 Total Business (Deposit + Advance) 3,91,916.56

4 Credit Deposit (CD) Ratio (%) Benchmark-60% 78.56

5

Credit Deposit Ratio excluding advance sanctioned in

other state and utilized in our state 53.43

CD Ratio of Rural Branches 66.32

CD Ratio of Semi Urban Branches 47.77

CD Ratio of Urban Branches 50.08

CD Ratio of Commercial Banks excluding RIDF& advance

sanctioned in other state and utilized in our state 45.80

6 Total PS Advance 73,428.48

7 % of PS Advance to Total Advance Benchmark - 40% 62.61

8 Agriculture Advance 38,937.31

9 % of Agriculture Advance to Total Advance Benchmark- 18% 33.20

10 MSME Advance 27,047.62

11 % of MSME Advance to total advance 23.06

12 Advance to Weaker Section 22,462.10

13 % of Advance to weaker section to PS Adv. Benchmark – 25% 30.44

14 Total DRI Advance 224.95

15 Total Advance to Minority community 2,738.89

16 % of Advance to Minority community of Total PS Advance 03.71

17 Advance to Women 15,877.72

18 % of Advance to Women 13.54

19 Credit Investment to Deposit Ratio % 79.32

20

NPA in % (Average in the state) 12.86

Public Sector Banks 15.89

Private Sector Banks 00.80

RRBs 23.35

Cooperative Banks 07.16

21

Total No. of Branches 4920

a) Rural Branches 2700 (54.88%)

b) Semi Urban Branches 1271 (25.81%)

c) Urban Branches 949(19.29%)

2

22 Education loan B/o 2,197.03

23 Housing Loan B/o 9,644.66

24

Achievement under ACP 2016-17 vis-à-vis Annual Target

under priority sector in % 19.01

Agriculture 18.39

MSME 30.25

Export Credit 10.76

Education 07.16

Housing 06.70

Social Infrastructure 04.58

Renewable Energy 00.77

Others 11.06

25

Lead Districts : 30

a) SBI 19

b) UCO 7

c) BOI 2

d) Andhra Bank 2

26

RSETIs : 29

a) SBI 17

b) UCO 7

c) BOI 2

d) CBI 1

e) Andhra Bank 2

RUDSETI : Canara Bank & Syndicate Bank 1

27

FLCs 145

SBI 19

UCO Bank 7

Andhra Bank 2

Bank of India 2

a) OSCB 104

b) RRB 11

28

c) Staff Strength 34,235

d) Officers 16,209

e) Clerical Staff 11,461

f) Sub- Staff 6,565

29 g) Total Deposit Accounts 5,08,63,091

30 h) Total Advance Accounts 82,44,335

3

AGENDA NOTES OF 144th

SLBC MEETING

AAGGEENNDDAA NNOO.. 1

Confirmation of Proceedings of 143rd SLBC Meeting held on 18.05.2016 at

Bhubaneswar.

The Proceedings of the 143rd SLBC Meeting held on 18.05.2016 at Bhubaneswar

was circulated among all the members of SLBC vide our letter No.

SLBC/ODI/306/201-17 dated 18.07.2016. Since no comments have been received

from any quarter, the same may please be confirmed.


Action Taken Report on major decisions taken in 143rd SLBC Meeting held

on 18.05.2016.

Progress of Implementation of Financial Inclusion Plan in the State

1. Opening of Brick & Mortar Branches.

Banks have opened 31 branches in the state for the period 01.04.2016 to

30.06.2016, out of which 15 are in rural centres. 7 branches have been opened in

Unbanked GPs.

Provision of banking outlets in unbanked villages with population below

2000

As on 30.06.2016, Banks have covered 40289 villages constituting 87.80 % of the

total target. Out of these villages, 539 are covered through B & M Branches and

rest by branchless modes mainly through BC mode. Details are at Annexure - 1.

2. Roadmap for opening of Brick & Mortar branches in villages having

population more than 5000 without a bank branch of a Scheduled

Commercial Bank.

78 identified villages having population more than 5000 without a bank branch of

a scheduled commercial bank have been allotted by SLBC among various Banks

for opening of branches by March 2017.

SLBC has requested concerned banks to submit quarterly progress report in a

prescribed format starting from quarter ended March, 2016 by the 15th of the

following month to SLBC. The concerned banks are requested to adhere to the

time norm for submission of the progress report. The progress is reviewed by

Department of Financial Services, Ministry of Finance on weekly basis.

4

3. Branch opening in Unbanked Gram Panchayats Target Vs Achievement is given below for perusal.

Sl Name of the Bank

Targ

et for

the

year

2014-

15

Achieve

ment

2014-15

Target

for 2015-

16

(includin

g

backlog)

Achieve

ment

2015-16

Achieve

ment

01.04.201

6 to

30.06.16

Total

achieve

ment

(01.04.14

to

30.06.16

1 Allahabad Bank 32 5 44 2 1 8

2 Andhra Bank 60 6 86 3 0 9

3 Bank of Baroda 30 11 49 1 0 12

4 Bank of India 60 5 108 1 0 6

5 Bank of Maharashtra 5 0 10 0 0 0

6 Bhartiya Mahila Bank 4 0 8 0 0 0

7 Canara Bank 40 11 69 3 0 14

8 Central Bank of India 29 1 57 0 0 1

9 Corporation Bank 20 4 36 3 0 7

10 Dena Bank 9 5 13 0 0 5

11 IDBI Bank 20 6 34 5 0 11

12 Indian Bank 30 1 58 2 0 3

13 Indian Overseas Bank 60 1 82 0 0 1

14 Oriental Bank of Commerce 20 5 35 3 0 8

15 Punjab & Sind Bank 7 0 13 0 0 0

16 Punjab National Bank 34 0 62 0 1 1

17 State Bank of B & J 3 0 6 0 0 0

18 State Bank of Hyderabad 7 2 12 0 0 2

19 State Bank of India 115 16 214 11 2 29

20 State Bank of Mysore 3 0 6 0 0 0

21 State Bank of Travancore 3 0 6 0 0 0

22 Syndicate Bank 25 1 49 2 1 4

23 UCO Bank 60 2 97 4 0 6

24 Union Bank of India 60 0 86 0 0 0

25 United Bank of India 60 0 80 0 0 0

26 Vijaya Bank 8 0 16 2 0 2

Total of Public Sector Banks 804 82 1336 42 5 129

27 Axis Bank Ltd 38 0 76 0 0 0

28 Bandhan Bank 0 0 0 4 0 4

29 DCB 12 0 24 0 0 0

30 Federal Bank 9 5 13 3 0 8

31 HDFC Bank 36 15 57 8 2 25

32 ICICI Bank 39 3 75 3 0 6

33 IndusInd Bank 10 0 20 0 0 0

34 ING Vysya Bank Ltd. 5 0 10 0 0 0

35 Karnataka Bank Ltd. 5 0 10 0 0 0

36 Karur Vysya Bank 4 0 8 0 0 0

37 Kotak Mahindra Bank Ltd 6 0 12 0 0 0

38 Laxmi Vilas Bank 3 0 6 1 0 1

39 South Indian Bank Ltd 3 0 6 0 0 0

40 Yes Bank 6 0 12 0 0 0

Total of Private Sector Banks 176 23 329 19 2 44

41 Odisha Gramya Bank 66 8 124 2 0 10

42 Utkal Grameen Bank 72 6 137 5 0 11

Total of RRBs 138 14 261 7 0 21

T o t a l 1118 119 1926 68 7 194

During the June 2016 quarter only 7 branches have been opened in Unbanked Gram Panchayats.

5

Second State Level Financial Inclusion Committee was held on 09.08.2016

under the Chairmanship of the Chief Secretary, Odisha.

Chief Secretary suggested the following action points for implementation.

1) Business correspondent model to be strengthen by all banks in the

unbanked areas for providing banking services at door step.

2) Potential & Credible SHG members may be engaged as individual BC by

banks in the unbanked areas.

3) Banks may ensure qualitative credit flow under MUDRA scheme and

achievement of the given target.

4) Completion of Aadhaar & Mobile number seeding in the account of all

beneficiaries. He informed that State Government is putting all efforts to

facilitate enrollment of Aadhaar number and seeding in camp mode.

5) All Banks were advised to avail the benefit of setting up Solar Power V-SAT

connectivity to fixed BC/CSPs in the sub-service area (SSAs) by availing

financial support under Financial Inclusion Fund of NABARD.

6) It was decided to form one DBT Cell and one DBT Advisory Board at the

State level for carrying forward the activities for implementation Direc

Benefit Transfer (DBT) in the State.

Setting up of Solar Powered V-SAT

NABARD has sanctioned an amount of Rs.2035.16 lakh for installation of 511 Solar

Powered V-Sat at Fixed Kiosks or CSPs in the areas having connectivity issues in

the State. The details of sanction for Odisha are as under:

Name of the Bank No. of VSATs Sanctioned amt (Rs. in lakhs)

Canara Bank 3 9.00

State Bank of India 79 316.00

UCO Bank 90 360.00

Union Bank of India 04 16.00

United Bank of India 333 1332.00

Punjab National Bank 02 2.16

T o t a l 511 2035.16

The Banks may take necessary steps for setting up Solar based V-SAT in the

difficulty areas on missionary mode and convey the developments regarding the

matter to NABARD and SLBC on monthly basis.

Post Office as Banking Outlet:

The proposed India Post Payment Bank is likely to get RBI license by March, 2017.

This will enable the vast network of rural post offices to serve as possible banking

outlets in hitherto unbanked areas. The Chief Post Manager General has informed

that there are 1201 Post Offices including 35 Head Offices and 1166 Sub Post

Offices and 6971 Branch post Offices. After rolling out of CBS in the Odisha Circle,

1004 Post Offices, 35 Head Offices and 969 Sub Post Offices have been migrated

6

to CBS platform. However, still 194 Post Offices have not been migrated to CBS

due to non feasibility of BSNL Network.

4. Progress of Pradhan Mantri MUDRA Yojana 08.04.2015 to 30.06.2016

(Both by Banks and NBFC – Micro Finance Institutions)

Schemes No. of Accounts

sanctioned

Disbursed amount

(Crores)

Shishu 22,81,495 3,753.86

Kishore 51,401 977.75

Tarun 10,365 704.65

Total 23,43,261 5,436.26

Progress of Pradhan Mantri MUDRA Yojana (PMMY) 08.04.2015 to

30.06.2016 (Commercial Banks only)


sanctioned

Disbursed amount

(Crores)

Shishu 3,15,240 620.00

Kishore 50,615 973.07

Tarun 10365 704.65

Total 376220 2297.72

Against a target of Rs.4011 Crore, achievement of banks was Rs.2297.42 crore

Bank wise performance under PMMY is available at Annexure – 2.


08.08.2016

(Both by Banks and NBFC – Micro Finance Institutions)


sanctioned

Disbursed amount

(Crores)

Shishu 659617 1175.36

Kishore 11263 210.58

Tarun 1663 118.30

Total 672543 1504.24


08.08.2016 (Banks only)


sanctioned

Disbursed amount

(Crores)

Shishu 50406 113.63

Kishore 11175 209.97

Tarun 1663 118.30

Total 63244 441.90

Target for the year 2016-17 of Public Sector Banks and RRBs is Rs 2537.87 Crore.

7

Based on the experience of implementation of the scheme in the first year, the

Ministry of Finance, Department of Financial Services vide their letter

No.F.No.29/2/2016-IF-2 dated 23.06.2016 has advised to operationalize the

following points.

1. Activities allied to Agricultures- e.g. pisciculture, bee-keeping, poultry,

livestock, rearing, grading, sorting, aggregation agro industries, dairy, fishery,

agri-clinics and agri-business centres, food & agro-processing etc.(excluding

crop loans, land improvement ,such as , canals , irrigation, wells) and Services

supporting these, which promote livelihood or are income generating shall be

eligible for coverage under PMMY in 2016-17.

2. MUDRA Loan may be extended on cluster basis in addition to existing individual

cases as a present.

3. Further, as per Code of Bank‟s commitment, loan applications should be

disposed of for credit limit up to Rs.5.00 lakh within 2 (two) weeks, and for credit

limit above Rs.5.00 lakh within 3(three) weeks from the date of receipt, provided

the application is complete in all respects and is accompanied by documents as

per „check list‟ provided. Reasons for rejection have also to be recorded on the

application.

5. Implementation of Pradhan Mantri Jan Dhan Yojana (PMJDY)

PMJDY Accounts at a glance in Odisha as on 30.06.2016

Total No. of villages covered 47765

Total No. of Sub Service Area covered 6276

Total No. of Wards covered 1729

100% Saturation (Each household having

minimum one Saving Bank Deposit Account)

30 Districts

No of accounts opened from 16.08.2014 to

30.06.2016 Rural –66.75 lac

Urban -30.02 lac

96.77 lac

No. of accounts opened with Zero balance 23.85 lac

% of Zero balance accounts to total account

opened

24.65

Total deposit balance under PMJDY accounts. Rs. 1575.38 Crore

No. of Overdraft sanctioned 47,459

No. of RuPay Cards issued 75.21 lac(77.72%)

No. RuPay Cards activated 54.48 lac(72.43% of issued)

No. of Pass Books issued 72.98 lac

No. of Aadhaar seeded accounts

% of Aadhaar seeding

33.35 lac

34.46 %

No. of active BC Agents (Bank Mitra) 4859

Bank wise performance under PMJDY as on 30.06.2016 is at Annexure – 3.

District wise report under PMJDY as on 30.06.2016 is at Annexure – 4.

8

Implementation of 2nd Phase of Pradhan Mantri Jan Dhan Yojana

Performance of Commercial Banks as on 30.06.2016

Name of Scheme No. of Enrollments in lac

PMSBY 31.91

PMJJBY 8.57

APY 1.21

Bank wise performance in the three Social Security Schemes is available in

Annexure – 5.

Banks have come a long way in achieving various targets given for financial

inclusion like opening of the bank accounts under PMJDY along with associated

actions. Still number of tasks remain to be achieved, like seeding of bank

accounts of various categories with Aadhaar number, mobile number,

distribution and activation of RuPay cards to name a few. Now it is the time to

finish this task in mission mode on or before stipulated time frame.

Apart from this, henceforth all such new accounts being opened should be

simultaneously seeded with Aadhaar number, mobile number and RuPay card

distribution and activation.

To achieve the target, DFS has decided to adopt the common strategy based on

the inputs provided by the Banks. Since new strategy is based on the common

inputs provided by the ground actors, it is hoped, this is to be psychologically

and administratively adopted in right spirit to achieve the target so set.

Further, DFS will continue to monitor the achievement through weekly VCs. It is

desirable that the authority concerned who all are monitoring the target and its

achievement, would monitor the progress on daily/weekly basis and in case of

any backlog the same should be covered in next day/week, so that no extra

burden is carried forward. This strategic approach should be taken seriously by

all of us in the right spirit to achieve the targets well before the set deadline.

Banks will continue to operationalize their effort in camp mode on daily basis. In

addition to that, the camps indicated below are the Super Camp Mode wherein all

out concentrated efforts need to be channelized by the branches and associated

entities to achieve the target in mission mode.

We hope each one of us will put our sincere effort to achieve the target and come

up with flying colours.

9

6. Atal Pension Yojana (APY)

In order to improve the performance under APY scheme, PFRDA, Ministry of

Finance has planned two campaigns named “EACH ONE FETCH ONE APY 1” to

be celebrated on 17th and 18th August, 2016 and next “EACH ONE FETCH ONE

APY 2” to be celebrated on 29th & 30th August, 2016.

All Banks are requested to percolate this important message to branch level

asking the entire employee to source one account each during the campaign

period.

Insurance Claim Details under Social Security Schemes as on 30.06.2016

BANKS Claimed Settled Returned/Rejected Pending

RuPay Debit Card (Rs. 1,00,000/-)

TOTAL 4 1 0 3

PMJJBY (Rs. 2,00,000/-)

TOTAL 797 721 12 64

PMSBY (Rs. 2,00,000/-)

TOTAL 149 86 5 58

Life Insurance Coverage under PMJDY (Rs 30,000/-)

TOTAL 50 47 0 3

Bank wise and Scheme wise details are enclosed at Annexure – 6.

7. Direct Benefit Transfer for LPG(DBTL)

Progress on implementation DBTL in our State

LPG and Bank Seeding Status as on 31.07.2016 (Annexure - 7)

1. Total no of LPG distributors in the State – 569

2. No of LPG Consumers – 3418074

3. % of LPG Aadhaar Seeding– 67.37

4. % of Bank Aadhaar Seeding (ATC)– 50.97

5. % of Bank Account Seeding verified (BTC)– 42.32

6. % of Cash Transfer Compliant (CTC= ATC + BTC) – 93.29

8. Aadhaar Number Seeding

It is reported by the UIDAI that (Annexure - 8)

i) As on 20.07.2016; total population eligible for Aadhaar enrolment- 4,43,69,416.

ii) Total Enrolment- 40343889

iii) Enrolment % on population- 90.93

iv) Aadhaar generated- 34070381 (76.79%)

v) Balance Aadhaar to be generated- 10299035

vi) Aadhaar Rejection-5696657

100% enrollment on population – Khordha & Bhadrakh districts.

Lowest % enrollment on population – Malkangiri (71.43%)

10

Aadhaar seeding through Camps

Referring to DO letter No.1-11011/4/2015-NSAP‟ dated 19th May,2016 from

Secretary MoRD, Joint DO letter from Secretary DFS and secretary MoRD

addressed to “The Principal Secretary/Secretary In-charge MNREGA” along with

consent letter to be obtained requesting the state and administration to organize

camps we request all banks to use the services of Business and Correspondents

to participate in the special camps being organized for Aadhaar seeding and to

ensure availability of the consent forms in sufficient quantity both at branch and

at Bank Mitra outlet for seeding of Aadhaar number in bank accounts in order to

achieve 100 percent seeding.

9. Review on Banking Developments in Odisha in Key Indicators as on

30.06.2016

Parameters June15 June 16

Variation

over June

2015

% of

growth

No. of branches 4687 4920 233 4.97

Deposits 199837.87 219482.54 19644.67 9.83

Advances 141484.35 172434.02 30949.67 21.87

CD Ratio in % 71.65 78.56 6.91

Credit Investments to Deposit Ratio 71.47 79.38 7.91

Priority Sector Advances 58640.54 73428.48 14787.94 25.22

% of P S Advances to Total Advance 59.79 62.61 2.82

Agriculture Advances 29804.57 38937.31 9132.74 30.64

% of Agri Advances to Total Advance 30.38 33.20 2.82

MSME Advance 20628.60 27047.62 6419.02 31.11

Education Loan 1990.86 2197.03 206.17 10.35

Housing Loan 8698.86 9644.66 945.80 10.87

Advance to Minority Communities 2614.88 2738.89 124.01 4.74

Advances to Weaker Sections 19522.96 22462.10 2939.14 15.05

% of Weaker Section Adv. to PS Adv 33.29 30.44

DRI Advances 56.56 224.95 168.39 297.71

Branch Network

As at the end of June 2016, the total number of Bank Branches in Odisha increased

to 4920. During the period 01.04.2016 to 30.06.2016, Banks have opened 31 new

branches in the State. Out of which, Public Sector Banks and Private Sector Banks

have opened 23 & 8 branches respectively.

11

Deposit Growth

Deposits of the Banks in the state have increased from Rs. 199837.87 Crore as of

June 2015 to Rs. 219482.54 Crore as of June 2016, registering an increase of Rs.

19644.67 Crore. The year on year incremental deposit growth is 9.83%

Credit Expansion

The total outstanding advances increased from Rs. 141484.35 Crore as of June

2015 to Rs. 172434.02 Crore as of June 2016, registering an increase of Rs.

30949.67 crore. The year on year incremental advance growth is 21.87%.

CD Ratio

The Credit Deposit Ratio of all Banks in the state increased from 71.65 % as of

June 2015 to 78.56 % as of June 2016. Overall CD ratio is above the benchmark of

60%.

Priority Sector Advances

The percentage of priority sector advances is 62.61 % as of June 2016 against the

national norm of 40 %.

The incremental growth on year to year basis is 25.80 %.

Agriculture Advances

The aggregate of agriculture advances extended by Banks in Odisha have

increased from Rs29804.57 Crore as of June 2015 to Rs. 38937.31 Crore as of June

2016, thus registering an increase of Rs. 9132.74 Crore in absolute terms and

30.64 in percentage terms. The share of agricultural credit in total advances as

of March 2016 is 33.20 % against the national norm of 18 %.

Micro, Small & Medium Enterprises (MSME)

The advances to MSME during the period under review have witnessed an

increase from Rs. 20628.60 Crore as at June 2015 to Rs.27047.62 Crore as at June

2016, thus registering an increase of Rs.6419.02 Crore in absolute terms and

31.11 in percentage terms on year to year basis.

Education Loan

An increase of Rs. 206.17 crore in balance outstanding as on 30.06.2016 over

30.06.2015 under Educational Loan represents annual growth of 10.35 %.

Housing Loan

The housing loan balance outstanding has increased from Rs.8698.86 crore as on

30.06.2015 to Rs.9644.66 as on 30.06.2016 registering an increase of Rs.945.80

crore in absolute terms. The incremental growth on year to year basis is 10.87 %.

12

Advances to Weaker Sections

The advances to Weaker Sections increased from Rs.19522.96 crore as of June

2015 to Rs.22462.10 Crore as at June 2016.The share of weaker section advance to

Priority Sector advance is 30.44 % against the bench mark 25 %.

8. Bank wise & Scheme wise under various Schemes of Agriculture & Allied

Sector Interest Subvention & Subsidy (State Govt.) utilization as on

10.08.2016 (Figures in Rs)

Utilization

during the

period

Crop loan Agriculture

Term Loan

Short

Term

Fishery

Loan

Term Loan

Fishery

Short

Term

Dairy

Loan

Long

Term

Dairy

Loan

PDE

Up to

31.03.2014 35569575 669024 0 0 0 17532 60442382

From

01.04.2014

to

31.03.2015

336163136 12760597 400456 1116414 125822 1298792 102627927

From

01.04.2015

to

31.03.2016

431891401 55751089 1651076 2368697 2798731 8170487 111527248

From

01.04.2016

to

10.08.2016

86270117

48759810

488432

4186412

2414217

2115883

42621986

Total

Utilization

889894229

117940520

2539964

7671523

5338770

11602694

317219543

Total fund

received

from Govt.

900000000 160000000 62147000 140819000 6998000 11626000 358896500

Balance 10105771

42059480

59607036

133147477

1659230

23306

41676957

SLBC has requested to Registrar of Cooperative Societies to release further a sum

of Rs.40.00 crores in the current account – Interest Subvention for crop loan for

utilization in the current year (2016-17).

SLBC has already submitted utilization certificate for interest subvention as on

31.03.2016 to the concerned department.

9. Relief measures undertaken by Banks in areas affected by recent

Drought.

As on 30.06.2016, 27602 number of crop loan accounts involving Rs. 151.86 Crore

have been converted into medium term loan by different banks.

13


FRESH ISSUES

Concessional Credit to Person with Disabilities (PWDs) in the State of

Odisha

1. The representative of National Handicapped Finance and Development

Corporation, New Delhi has requested to give a small presentation on Refinance

Scheme through banks for flow of concessional credit to the Persons with

Disabilities (PwDs) for employment and higher education. They want to tie up

with various Public Sector Banks.

2. “Doubling Farmers’ Income by 2022”.

A National Seminar on “Doubling Farmers‟ Income by 2022” was organized by

NABARD on 12th July 2016 at New Delhi which was attended by, among others,

Hon‟ble Union Minister of Agriculture and Hon‟ble Union Minister of State for

Finance. Some of the action points that emanated from the seminar are as follow:

i) Doubling of farmer‟s income should be included as a regular agenda item in

the SLBC/DCC/BLBC meetings.

ii)Visit by Branch Managers of every rural branch to the villages on a pre

determined day of the week with prior intimation to the Panchayat of the

concerned village to interact with the borrowers and people is an effective tool

to understand the ground situations of the farmers to design and implement

suitable interventions.

SLBC may discuss the above issues with the banks to introduce such a system.

This can be initiated with RRBs and one or two major CBs initially and

expanded in due course. There is a scope for further simplifying the agriculture

loan application forms of banks, streamlining the process so as to facilitate

easier processing of applications and speedier sanction of loan, etc. These

issues may be discussed in the SLBC forum for redressal.

For doubling the income of farmers, apart from increasing his income, it is

equally important to study his expenditure, avoidable visits to the bank branches

for loan/saving purpose etc. These issues need to be studied and discussed in

various forums like, SLBC, DCC, and BLBC etc. so as to cut down the avoidable

expenditure of farmers thereby indirectly contributing to increasing farmers‟

income.

3. Waiver of Stamp Duty on Agriculture Loans

As per suggestion of Indian Banks Association, SLBC Odisha, vide its Letter No

SLBC/ODI/221/2016-17 dated 16.06.2016 has requested State Government for

complete waiver of stamp duty on Agriculture Loans. Finance Department has

referred the matter to Revenue & Disaster Management Department for taking

needful action.

14


Branch Network: Area Wise

Year Rural Branch Semi-Urban

Branch Urban Branch

Total

Branches

31.03.2012 1959(54.49 %) 901(25.06 %) 735(20.45%) 3595

31.03.2013 2055(53.74%) 1021(26.70%) 748(19.56%) 3824

31.03.2014 2335(54.54%) 1143(26.70%) 803(18.76%) 4281

31.03.2015 2554(54.73%) 1220(26.14%) 892(19.13%) 4666

31.03.2016 2685(54.91%) 1268(25.94%) 936(19.15%) 4889

30.06.2016 2700(54.88%) 1271(25.83%) 949(19.29%) 4920

Branch Network: Bank Wise

Year

Public

Sector

Bank

Private

Sector

Bank

RRBs

Total

Commercial

Banks

Co-

operative

Banks

Total

Branches

31.03.2012 2157 216 886 3258 337 3595

31.03.2013 2313 269 901 3483 341 3824

31.03.2014 2637 350 951 3938 343 4281

31.03.2015 2896 444 983 4323 343 4666

31.03.2016 3041 514 991 4546 343 4889

31.06.2016 3064 522 991 4577 343 4920

Branch network as on 30.06.2016 is available at Annexure –9.

Bank wise and District wise branch opened during the period 01.04.2016 to

30.06.2016 is available at Annexure – 10.

Position of ATM installation in the State as on 30.06.2016

Sl. No. ATM Position Number

1 No. of Onsite ATMs 2793

2 No. of Offsite ATMs 3245

3 Total No. of ATMs 6038

Out of which

I No. of ATMs in Rural Branch 1827

II No. of ATMs in Semi-Urban Branch 2178

III No. of ATMs in Urban Branch 2033

Bank wise and District wise ATM position are available at Annexure – 11.

The present status of branch & ATM opening in the state indicates that Banks are

yet to give due importance for opening of new branches in unbanked areas.

15


Banking Key Indicators

The details of Bank wise deposit, advances & important Banking key indicators

are available at Annexure – 12.

CD Ratio (All Banks):

Banks

Basing on total utilization

(including sanctioned in outside

State) of advance in the state

Basing on advance

sanctioned and

utilized in the state

30.06.2016 30.06.2016

Public Sector 77.46 41.26

Private Sector 82.04 68.64

RRBs 55.45 55.45

Cooperative 129.96 129.96

State 78.56 53.43 (including

RIDF)

CD ratio of the State as on 30.06.2016 computed on the advance figure of

sanctioned in other state but utilized in our state as per Thorat Committee is 78.56

%. CD Ratio computed on advance sanctioned and utilized in the state is 53.43 %.

Area wise CD Ratio is at Annexure – 13.

Sambalpur district registered low CD ratio on account of MCL deposit of Rs.13066

Crore. If this amount is excluded, the CD Ratio will be 60.54%

It is observed that

i) 5 districts – Dhenkanal, Bargarh, Boudh, Kalahandi and Sonepur have achieved

CD ratio of more than 60%.

ii) 12 districts have registered CD ratio below 40 %.

Angul, Sambalpur, Deogarh, Gajapati, Ganjam, Jagatsinghpur, Kendrapara,

Malkangiri, Nuapada, Puri, Kandhamal and Mayurbhanj.

The LDMs of those districts and the Lead Banks should take needful action for

improvement in CD ratio in the coming quarters.

Sambalpur and Dhenkanal districts have registered lowest (13.99%) and highest

(84.55%) CD ratio respectively in our State.

16

District wise CD ratio (%) as of 30.06.2015 & 30.06.2016 for all Districts of

Odisha

(Amt. in Rs. Crore)

SL.

NO

DISTRICT

NAME

30.06.2015 30.06.2016

Deposit Advance CD

Ratio Deposit Advance

CD

Ratio

1 ANGUL 6316.56 2591.12 41.02 8621.16 3367.93 39.07

2 BALASORE 7046.67 3779.09 53.63 8251.95 4626.28 56.06

3 BHADRAK 3392.29 1787.65 52.70 4027.90 2145.16 53.26

4 BARAGARH 3162.76 2400.24 75.89 3794.94 2714.27 71.57

5 BOLANGIR 3838.87 1672.89 43.58 4208.99 1932.69 45.92

6 BOUDH 608.90 365.68 60.06 729.51 462.08 63.34

7 CUTTACK 15266.31 7747.72 50.75 17511.48 8941.22 51.06

8 DEOGARH 725.09 291.59 40.21 928.50 302.92 32.63

9 DHENKANAL 3221.85 3007.91 93.63 4222.49 3569.94 84.55

10 GAJAPATI 1460.21 327.00 22.39 1664.58 389.35 23.39

11 GANJAM 12021.86 4425.09 36.81 13797.92 5073.81 36.77

12 JAGATSINGHPUR 6073.20 1467.09 24.16 6968.48 2024.82 29.06

13 JAJPUR 4843.68 2514.38 51.91 5705.35 3065.43 53.73

14 JHARSUGUDA 2958.88 1522.11 51.44 3932.85 1963.42 49.92

15 KALAHANDI 2313.81 1258.42 54.39 2713.47 1764.92 65.04

16 KANDHAMAL 1468.34 511.10 34.81 1629.07 600.62 36.87

17 KENDRAPARA 3379.68 1215.36 35.96 3879.85 1418.59 36.56

18 KEONJHAR 6709.04 2668.65 39.78 7393.77 2895.32 39.16

19 KHURDA 58776.16 32349.79 55.04 64703.75 37435.89 57.86

20 KORAPUT 3523.92 11549.97 43.98 3986.13 1882.90 47.24

21 MALKANGIRI 943.73 240.76 25.40 1092.53 319.34 29.23

22 MAYURBHANJ 6189.56 2233.62 36.09 7181.91.91 2587.95 36.03

23 NAYAGARH 2015.50 914.26 45.36 2385.85 1353.90 56.75

24 NABARANGPUR 1168.41 687.71 58.86 1409.01 838.41 59.50

25 NUAPADA 1180.78 412.50 34.93 1286.88 501.42 38.96

26 PURI 4929.36 2039.24 41.37 5759.19 2250.86 39.08

27 RAYAGADA 2302.88 936.70 40.68 2597.70 1196.86 46.07

28 SAMBALPUR 16960.51 2357.88 13.90 21668.76 3031.99 13.99

29 SONEPUR 1221.21 648.04 53.07 1340.16 815.92 60.88

30 SUNDARGARH 12438.15 6211.42 49.94 14713.55 7065.55 48.02

17


(A) Target Vs. Achievement of Annual Credit Plan(ACP) 2016-17 under

Priority Sector:-

Achievement under Annual Credit Plan (District wise & Bank wise) as on

30.06.2016 (LBS-MIS-II) is available at Annexure – 14. Performance under major

segments of Priority Sector is reproduced below.

Particulars Target Achievement %age

Crop Loan 21397.45 4598.06 21.49

Agri Term Loan 6061.29 860.52 14.20

Fishery 829.32 17.68 2.13

Dairy 1328.74 48.63 3.66

Farm Credit 29616.80 5524.89 18.65

Agriculture Infrastructure 2069.52 61.29 2.96

Ancillary Activities 512.74 335.95 65.52

Agri Total 32199.06 5922.13 18.39

Micro Enterprises 4772.21 1928.04 40.40

Small Enterprises 4127.09 1313.67 31.83

Medium Enterprises 4127.09 1313.67 31.83

Khadi & Village Industries 612.33 5.17 0.84

Others under MSME 1443.60 226.34 15.68

MSME Total 13317.93 4029.33 30.25

Export Credit 720.15 77.51 10.76

Education 1109.94 79.48 7.16

Housing 3938.65 264.01 6.70

Social Infrastructure 173.27 7.94 4.58

Renewable Energy 81.80 0.63 0.77

Others 7326.78 810.44 11.06

Priority Sector Total 58867.59 11191.47 19.01

The overall achievement under ACP for the quarter ended June 2016 is 19.01%.

The ACP for 2016-17 projects a credit flow of Rs. 58873.50 crore for the State of

Odisha, indicating an increase of 23.28 % over the last year target (Rs 47757.13

crore for 2015-16). Revised Targets for FY 2016-17 under PS Advance is available

at Annexure – 15.

(B) Share of different banks in Agriculture Credit Outstanding on 30.06.2016

(Amount in Crores)

Name of the banks Amount outstanding Share in %

Public Sector Banks 12762.64 44.39

Private Sector Banks 3143.96 10.93

RRBs 3628.78 12.62

OSCB 9216.29 32.06

Total 28751.67(Excluding RIDF) 100.00

18


NPA & Overdue position as on 30.06.2016

The NPA % of the State is 12.86 and overdue % is 39.54 which is at much higher

side and alarming. Rising NPA in Odisha is a matter of great concern The Bank

wise and Sector wise NPA & Overdue position is given in Annexure – 16. For

PMRY / PMEGP / SJSRY (NULM)/ SHG (NRLM) / WCC, the NPA & Overdue % is

too high, which can only be rated as unsatisfactory. The Banks are facing

problem to recycle the funds owing to non repayment of loans, mounting overdue

and rising NPA %. Banks & Govt. Departments have to make joint efforts with

specific strategies to improve the recovery performance for better recycling of

funds.

Sector wise NPA & Overdue % as on 30.06.2016.

Sl. No. Sector NPA % Overdue

%

1. Short Term Crop Loan 11.30 36.98

2. Agriculture Term Loan 20.46 50.19

3. Agriculture Allied 12.99 45.67

4. Total Agriculture 13.30 38.36

5. MSME Sector 13.07 39.65

6. Education Loan 16.84 56.90

7. Housing Loan 07.61 33.65

8. Total Priority Sector 13.03 40.39

9. Total Advance 12.86 37.63

Scheme wise NPA & Overdue % as on 30.06.2016

Sl. No. Sector NPA % Overdue

%

1. PMEGP & PMRY 37.93 62.43

2. SHG 24.51 39.60

3. NULM 24.08 68.59

4. Weaver Credit Card 22.27 77.57

Bank wise NPA position as on 30.06.2016

Banks NPA % Overdue %

Public Sector Bank 15.89 38.51

Private Sector Bank 00.80 07.19

RRBs 23.35 29.03

O. S. C. B 07.16 41.40

19

Status of OPDR cases as on 30.06.2016

16902 no. of OPDR cases involving Rs 136.13 crore are pending as on

30.06.2016.Highest number of cases( 1901) are pending in Khordha district

followed by Cuttack district (1444 cases).All District Collectors may be advised

by State authority for early disposal of pending OPDR cases. All the Lead District

Managers may put their coordinated efforts to yield desired result. District wise &

Bank wise report is available at Annexure – 17.

SLBC is yet to receive communication from State Government regarding the

amendment in OPDR Act as suggested for improving the recovery position in the

State.

Applications for attachment of property under Section 14 of SARFAESI Act

pending with District Magistrates

315 numbers of applications involving Rs.256.53 of different banks for attachment

of property under section 14 of SARFAESI are pending with District Magistrates.

We request Development Commissioner cum Addl. Chief Secretary to advise the

District Magistrates for early action.

District wise and bank wise pending list enclosed at Annexure – 18.


AGRICULTURE

Bank wise Performance of Crop Loan & Term loan for the period 01.04.2016 to

30.06.2016 is available at Annexure - 19.

A) Kissan Credit Card (KCC):-

The Bank wise achievement made under KCC as on 30.06.2016 is available at

Annexure – 20. It is observed that Banks have disbursed Rs. 4377.84 crore in

1293720 KCC accounts during 01.04.2016 to 30.06.2016, out of which fresh KCC

has been issued in 185372 accounts disbursing Rs. 890.39 crore. Total outstanding

balance as on 30.06.2016 is Rs. 16648.54 crore in 6342098 No. of KCCs.

No KCC has been issued so far by the following Banks:

Public Sector Banks

State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Mysore,

State Bank of Travancore & Punjab & Sind Bank.

Private Sector Banks

Karnataka Bank, Federal Bank, City Union Bank, IndusInd Bank, Karur Vysya

Bank, Kotak Mahindra Bank Ltd., Laxmi Vilas Bank, The South Indian Bank Ltd,

Standard Chartered Bank, Yes Bank, DCB Bank and Bandhan Bank.

20

B) Agriculture Allied Sectors (Fishery & Dairy).

Bank wise progress made on Financing under different schemes of Allied

Agriculture Sector is given in Annexure – 21.

Disbursement for the period 01.04.2016 to 30.06.2016

Name of the scheme No. of account Amount in Rs Crore

Dairy 10051 48.63

Fishery 2147 17.70

Poultry 488 05.68

Other allied (Goatery, piggery etc) 2452 14.88

Total 15138 86.89

All Banks may give top priority for achieving the target given under ACP for

different schemes of allied sector which is supported by subsidy and interest

subvention scheme of state government. All Banks are requested to dispose of the

pending loan applications and ensure timely sanction and disbursement of loan

application. Any return / rejection of application are to be informed to the loan

application sponsored Department with reasons.

Implementation of Pradhan Mantri Fasal Bima Yojana (PMFBY) during

Kharif 2016 Crop Season.

The copy of the notification No. 5826 dated 04.08.2016 ( Annexure - 22 )issued by

Cooperation Department, Government of Odisha has already been circulated

among all banks and Lead District Managers in the State for implementation.

1. Cut-off date for receipt of Proposals of Farmers / Debit of premium from farmers

account ( Loanee & non-loanee) – 10th August, 2016

2. Cut- off date for receipt of consolidated Declarations / proposal of Loanee

farmers covered on compulsory basis and non-loanee farmers covered on

Voluntary basis – 25th August, 2016 for loanee farmers.

17th August, 2016 for non-loanee farmers.

3.Uploading of soft copy of the details of individual insured farmers by

Commercial Banks/ RRBs/ PACS - 25th August 2016.

Provisional Crop Insurance Coverage under NAIS for Rabi & Kharif 2015-16

Particulars Rabi 2015-16 Kharif 2015-16

Number of Farmers covered 106281 2152590

Area Insured 102582 Hectares 1944615 Hectares

Sum Insured Rs. 484.17 crore Rs. 7117.10 Crores

Gross Premium Rs.9.70 Crore Rs. 180.81Crores

Subsidy amount Rs. 0. 73 Crores Rs. 14.79 Crores

Net premium Rs. 8.97 Crore Rs. 166.03 Crores

Source- AICIL, RO, Bhubaneswar

21

CC)) PPrrooggrreessss ooff PPlleeddggee FFiinnaanncciinngg oonn NNeeggoottiiaabbllee WWaarreehhoouussee RReecceeiippttss ((NNWWRRss)) ttoo

ffaarrmmeerrss..

In our State only State Bank of India has pledge financing against NWRs. During

01.04.2016 to 30.06.2016 no amount has been disbursed. Balance outstanding as

on 30.06.2016 is Rs 3.47 crore against 8 accounts.


Finance to MSME Sector

Micro, Small and Medium Enterprises (MSMEs)

Micro Enterprises – A target of 7.5 % of ANBC or Credit equivalent amount off-

balance sheet exposure, whichever is higher has been prescribed for micro

enterprises to be achieved in phased manner i.e.; 7 % by March 2016 and 7.5 %

by March 2017. The position of finance to Micro & Small Enterprises in the State as

on 30.06.2016 is as follows..

Amount in Rs. crore

Particulars

Balance outstanding as

on 30.06.2015

Balance outstanding as

on 30.06.2016

A/cs Amount A/cs Amount

Micro Enterprises 503106 9120.16 847434 14413.55

Small Enterprises 109656 8076.20 134342 9515.05

Total MSE 612762 17196.36 981376 23928.61

Share of advances of

Micro Enterprises to

MSE (% )

82.10 53.03 86.31 60.23

Total MSME 614676 20628.60 987343 27047.62

Observations:-

The advance to MSME as on 30.06.2016 has registered a growth of 31.11 % over

June 2015

Against a target of 7.5% of ANBC, Banks have achieved 12.29 % under Micro

Enterprises.

Year on year growth of outstanding advance to MSE sector is 39.15 % which is

above the stipulated target of 20%

Year on Year growth in number of micro enterprises is 68.36 % as aginst the Task

Force parameter of 10%

The allocation of Micro sector to MSE advance at the end of June 30, 2016 is 60.23

% which confirms to T.K.A Nair Committee recommendation.

Detailed report of Bank wise position under MSME is available at Annexure – 23.

The target under ACP for MSME sector (Priority Sector} for the year 2016-17 is

Rs.13317.90 crores.

The achievement as on 30.06.2016 is Rs.4029.33 crore which is 30.25% of the

target.

The share of MSME advances to total advances as of 30th June 2016 is 23.06 %.

22

Performance of Commercial Banks under Manufacturing Sector as on

30.06.2016

Manufacturing

Sector

Disbursement (01.04.2016

to 30.06.2016) Balance O/S

A/C Amt in

Crores A/C

Amt in

Crores

Micro

Enterprises 45820 1233.96 476218 8179.36

Small Enterprises 5582 848.08 76575 5423.58

Medium

Enterprises 354 355.90 3176 1777.81

TOTAL 51756 2437.94 555969 15380.75

Stand Up India Scheme

As on 30.06.2016 Rs.89.58 crore has been disbursed in 686 accounts to SC/ ST

applicants and Rs. 70.76 crore has been disbursed in 1379 accounts to Women

applicants.

Time norm for disposal of applications

Process loans within the timeframe as stipulated in Code of Bank‟s Commitment

to SME borrower.

Application for loan

i) up to Rs. 5 lakh within 2 week.

ii) Between Rs 5-25 lakh in 3 Weeks

iii) Above Rs25 lakh in 6 Weeks from the date of receipt of application provided

the application is complete in all respects and is accompanied by required

documents.

Role of Lead District Managers in implementation and monitoring of Stand

Up India Scheme.

Department of Financial Services, Ministry of Finance, Government of India has

communicated that LDM has a pivotal role in effective implementation and

monitoring of Stand Up India Scheme.

This, inter alia, includes the following:-

i) providing guidance to potential borrowers.

ii) working with local offices of SIDBI and NABARD for problems solving and

support for the Stand up India Scheme in the district.

iii) sensitizing the concerned bank branch on potential cases likely to come up or

are entered on the Stand Up India portal (www.standupmitra.in).

iv) updating the list of connect centers of the district as available on the portal and

above SIDBI & NABARD of any change if required.

http://www.standupmitra.in/

23

v) ensuring updation of data by banks on the portal.

LDMs are requested to login on the online portal on regular basis.

Identification of unrecognized clusters of MSMEs in Odisha in order to

facilitate availability of banking outlets and credit flow in such clusters

RBI, Bhubaneswar has carried out a survey for unidentified/unrecognized clusters

in Odisha and found 43 clusters comprising of 2605 Micro and Small Unities in 14

districts (Annexure- 24). Out of above, only 1347 units (52%) have credit

linkages with banks.

In view of the above, all banks are requested to extend banking facilities to such

clusters/agglomerations either through Brick & Mortar branch or through

Banking Correspondents.

A quarterly progress report as per prescribed format (Annexure-25) may be

submitted to us by 7th of succeeding month.

Rehabilitation of Sick Units (Micro & Small Units) for the quarter ended

March 2016. (Amount in Rs crore)

Total No. of

Sick Units

Units in which

Bank is yet to

take decision

on viability

Potentially

Viable Units

Non Viable

Units

Viable Units

put under

Nursing

No. of

Units

Amt

(Cr)

No. of

Units

Amt

(Cr)

No. of

Units

Amt

(Cr)

No. of

Units

Amt

(Cr)

No. of

Units

Amt

(Cr)

42230 3048 1299 1153.76 1187 38.82 39744 1855.42 1006 33.02

Detailed report is available at Annexure – 26.


RSETI

1. Performance during FY 2016-17.

3641 rural BPL/NRLM Target group youth have been trained against annual

target of 18000 as on 31st March 2017. (20.% achievement). Annexure – 27.

The overall number of candidates trained as on 30th June 2016 is 4666

against a target of 23148. (Achievement is 20%)

The detail of achievement is available at Annexure – 28.

The Bank-wise performance under BPL as on 30.06.2016 is as follows.

Bank Bank of

India RUDSETI CBI SBI

Andhra

Bank

UCO

Bank

%age

Achievement 30% 6% 22% 13% 13% 17%

The percentage of candidates settled as on 30th June 2016 (Cumulative) is

69% against national average 62%.

24

The percentage of candidates settled with Bank Finance as on 30th June

2016 (Cumulative) is 47 % against national average 43%.

2. Status of Infrastructure in RSETI:

Issuance of permissive possession letter is pending in Puri district.

Land is yet to be allotted to Cuttack and Dhenkanal district.

In 9 numbers of RSETIs the building construction has been completed,

In 12 number of RSETIs the construction is in progress

In 5 RSETI, the construction has not yet started. Details are at Annexure – 29

BPL/NRLM Target group Training Target for FY 2016-17

Claim pending for reimbursed of training cost of BPL candidates from State

Government.

State Bank of India & UCO Bank are yet to get reimbursement Rs 81.97 & 61.51

lakh respectively from State Government. RSETI wise and year wise claim

pending is enclosed at Annexure – 30.

Claim pending for reimbursed of EDP training cost of PMEGP candidates

from KVIC

UCO Bank & SBI have lodged claim before KVIC, Bhubaneswar and they are yet

to get reimbursement Rs.17.68 & Rs.81.97 lakh respectively.

Request for waiver of payment of Annual Ground Rent, Cess and

miscellaneous charge in respect of sanction of Government land for

construction of Rural Self Employment Training Institute( RSETI).

We would like to reiterate that Government of Odisha allots land to RSETIs on free

of premium for establishment of RSETIs in different districts in the State. For

sanction of Plan by local body and execution of Lease Deed for construction of

RSETI Building, District Administration demand payment of certain annual dues

by the RSETI.

Annual Dues are:-

i) Ground Rent @ 1 % of the market value of the allotted land

ii) Cess @ 75% of the annual ground rent.

iii) Miscellaneous ( Establishment / Contingency)

25

RSETIs are centers of Entrepreneurship promotion which aim at solving the

unemployment problem in rural areas through Self Employment and

Entrepreneurship.

Keeping in view the importance of RSETIs, SLBC requested State Government to

waive payment of Annual Ground Rent, Cess and miscellaneous charge in respect

of sanction of Government land for construction of Rural Self Employment

Training Institute (RSETI).


Finance to Weaver Sector:

The bank wise information on fresh finance to the handloom sector is enclosed at

Annexure – 31.

The following points have been reported by the Director, Handlooms & Textiles,

Odisha.

Features of MUDRA Weavers Scheme

1. It has been decided by Govt. of India to substitute the Weavers Credit Card

Scheme with MUDRA weavers scheme all over India. The Scheme will be now

implemented in identified Handloom clusters in a project mode with participation

of willing banks having presence in those clusters.

2. Concessional credit component for Handloom Sector will now be available only

through MUDRA Yojana for individual Weavers & Weaver entrepreneurs. The

applications pending under Weavers Credit Card Scheme will be sanctioned by

the concerned banks up to 31.08.2016 only. After that the operation of Weavers

Credit Card scheme shall be no effect.

3. The credit limit will be fixed based on assessment of working capital

requirements as well as cost of tools and equipments required for carrying and

weaving/allied activity. Minimum loan for loom for cotton products should be

Rs.50,000/- and around Rs.1,00,000/- for silk products. As the limit sanctioned

would normally have a validity of three years, the need to accommodate

incremental working capital requirement may be kept in view.

4. The limit is expected to be utilized as a revolving cash credit and will provide for

any number of withdrawals and repayment within the limit. RuPay Card will be

issued for withdrawal of working capital. Banks may, however, fix a repayment

schedule for portion of loan availed for the purchase of tools & equipments.

5. A centralized online system will be developed which will have the facility of

crediting the margin money directly into the loan account of weaver and interest

subvention to concerned Bank. Till such system in place, the funds will be

provided in advance to participating Banks Head Offices directly by O/o

Development Commissioner for Handlooms.

26

6. Facility of Bunkar Facilitator will be available under MUDRA Yojana. Banking

correspondences are also eligible as Bunkar Facilitator.

7. Loan products will be designed separately for self Help Groups & Joint Liability

Groups.

Year wise Action Plan under MUDRA Weavers Scheme

(Rs. in lakh)

Sl.No. Year No. of weavers

to be covered

Amount of loan expected to be

sanctioned by banks

1 2 3 4

1 2016-17(30%) 3000 1500.00

2 2017-18(35%) 3500 1750.00

3 2018-19(35%) 3500 1750.00

Total: 10,000 5000.00

AAGGEENNDDAA NNOO. 12

Finance to Handicrafts Sector.

1. “Modernization & Technical Up- gradation of Handicraft Industries”.

Scheme (M.T.U.H.I)

In order to enhance the productivity of the handicraft items, under the scheme

“M.T.U.H.I. an amount of Rs.55.00 lakh is available towards release of subsidy.

The project cost ranges from Rs.3.00 lakh to Rs.50.00 lakh. 20% subsidy

(maximum Rs.10.00 lakh) is given to general category entrepreneurs while 30%

subsidy (maximum Rs.12.00 lakh) is given to special category entrepreneurs.

During 2016-17, 200 nos. of applications have been received in different districts

& the process Sponsoring of application is under progress. Banks are requested

to take credit decisions early on receipt of applications from DICs/RICs.

2. Silpi Unnati Yojana (SUY)

Margin money assistance is provided to individual artisans @ 20% of the project

cost (up to Rs.1,00,000 in seven crafts and up to Rs.50,000.00 in rest 43 crafts) per

artisan to avail bank loan for setting up of own handicraft production unit. During

2016-17, 1467 nos. of applications have been received in different districts & till

date 15 nos. of applications have been sponsored to banks. RICs/DICs have been

instructed to sponsor the eligible applications to the concerned Bank Branches

immediately after scrutiny. The Bankers are requested to take credit decisions

early on receipt of application from DICs/RICs.

27


Financing under Self Help Groups (SHGs)

Performance under SHG-Bank Linkage during FY 2016-17:

Achievement under SHG-Bank Linkage during 01.04.2016 to 30.06.2016 is

Rs.144.18 Cr credit linkage to 10706 WSHGs against target of Rs.966.05 Cr to

75000 WSHGs,

Physical Achievement is 14% and Financial Achievement is 15%. Bank wise

performance is available at Annexure – 32.

Mission 2.64’: A unique initiative of Odisha Livelihood Mission for improving the

focus and extend the reach to 2.64 lakh households in 700 Gram Panchayats of 88

blocks. Odisha Livelihoods Mission is working with 15 lakh rural households with

intensive approach.

The mission aims to bring quality support for sustainable agriculture, livestock

rearing and Non Timber Forest Produce (NTFP) and non-farm sector activities.

The Krishi-mitras, Prani-mitras and Udyog-mitras developed through NRLM

would create enabling ecosystem for a better livelihoods scenario in rural

landscape of Odisha. The credit support will be mobilized on a priority basis to

support the livelihoods plan. All the families would be targeted under insurance

schemes like Aam Aadmi Bima Yojana, Pradhan Mantri Surakshya Bima Yojana

and Pradhan Mantri Jeevan Jyoti Yojana to reduce household vulnerability. These

SHGs would also practice DASA sutras that include Panchasutras and

strengthening community agenda on health and nutrition, access to entitlement,

sustainable livelihoods, convergence and education.

All the banks are requested to extend full cooperation for successful

implementation of Mission 2.64.

Strategy for FY 2016-17

There shall be Kharif and Rabi Bank Linkage plan. 35% of annual target to

be achieved by 31st July 2016. Local Livelihoods Centric Credit Linkage and

Entrepreneurship promotion to be given importance. Entrepreneurship Training

under RSETI to be provided to members of WSHGs identified for Bank linkage to

enhance credit absorption capacity.

All Cash credit loans eligible for renewal during FY 2016-17 to be

identified on a priority basis and renewed by Bank branches. Necessary

instruction in this regard to be communicated by Controlling Heads.

OLM in partnership with NABARD will organize Bankers Sensitization

programmes at State Level and District level. Controlling Heads to ensure

participation of concerned Banks officials in the programme.

28

Bank Linkage and Recovery Committee to be formed in all Bank Branches.

OLM will provide support to Banks in SHG-NPA recovery. Controlling Heads to

issue necessary instructions to branches.

OLM has positioned Bank Mitras in 725 Bank branches in the State. Bank

Mitras to be positioned in Non-Intensive blocks as well. Banks to consider

appointment of these Bank Mitras as B.Cs/B.C Agents/ Recovery Agents.

OLM will support Banks in engaging SHG members as B.C Agents/ BCs in

unbanked and under banked GPs.

Community based Financial Literacy Intervention will be implemented

during FY 2016-17. Banks to provide necessary support to OLM in this regard.


Progress under Govt. Sponsored Programmes

A) PMEGP

Salient features of the revised modalities of the operation of PMEGP to be

effected from 2016-17

1. Application to be received through online only and no off-line application will be

received.

2. KVIC/KVIB/DICs after the preliminary scrutiny will forward the finally corrected

application simultaneously to the DLTFC as well as to one of the Financing Bank

opted by applicant and the Lead District Manager.

3. DLTFC Meeting will be held at least once in every month preferably on every 1st

Monday of the month. There shall preferably be no Interviews by the DLTFC. If

the DLTFC does not clear within 45 days, the Banks can appraise the projects on

their own.

4. The Bank will appraise the projects and take their own credit decision on the

basis of viability of each project.

5. Either sanction or reject the loan applications within a stipulated period of 30

days. If sanctioned, copy of the sanctioned order will be sent to the applicant (by

e-mail / hard copy as well as to KVIC/KVIB/DIC). The sanction advice will also be

automatically forwarded to concern RSETI / RUDSETI for EDP training.

6. The Financing Branch will claim the Margin Money subsidy online through the

online portal of KVIC of Corporation Bank / KVIC portal. KVIC will validate the

subsidy claim and upload the same to Nodal Bank portal within three days.

Pending PMEGP Margin Money Claim

It has been communicated by state Director, KVIC, Bhubaneswar that

1. Pending Margin Money claims available with the financing Bank Branches

need to be settled. Accordingly, it has been decided that the Financing

Bank Branches will furnish the pending PMEGP margin money claims along

with certifying that the claims are fulfilling the PMEGP Scheme norms along

29

with Transient Account Number in which the margin money is to be

deposited before it is transferred to TDR Account.

2. Hence, it is requested to the controlling heads of all participating banks to

instruct their financing Branches to submit their margin money claims to

the State Office, Khadi & V.I. Commission, Bhubaneswar immediately along

with a certificate enclosed at Annexure – 33 certifying that the margin

money claims have been scrutinized by them as per PMEGP norms.

kind co-operation of financing bank branches is solicited.

District wise and Bank wise targets under PMEGP for the year 2016-17 has

already been communicated among the banks and Lead District Managers.

The details of target in respect of three implementing agencies are as under:-

SL.

NO. AGENCY

Target for 2016-17

No. of Projects M.M.

(Rs. in Lakhs)

Empl.

(in nos.)

1 KVIC 780 1560.50 6240

2 KVIB 780 1560.50 6240

3 DIC 1041 2080.65 8328

TOTAL 2601 5201.65 20808

The State Director, KVIC has informed vide their letter No.

OZ/PMEGP/Target/2016-17 dated 02.08.2016 that the Director, KVIC, Mumbai

has communicated the revised Margin Money Target for SC & ST as mentioned

below.

Revised District wise SC/ST Targets under PMEGP for the year 2016-17 is

enclosed at Annexure - 34 for approval of SLBC.

Target for SC and ST are as below:

Agency SC ST

No. of

Projects

M.M.

(Rs. in

Lakhs)

Empl.

(in

nos.)

No. of

Projects

M.M.

(Rs. in

Lakhs)

Empl.

(in nos.)

KVIC 134 267.26 1072 178 356.57 1424

KVIB 134 267.26 1072 178 356.57 1424

DIC 178 356.35 1424 238 475.44 1904

TOTAL 446 890.87 3568 594 1188.58 4752

30

B) National Urban Livelihood Mission (NULM)

Mission Director, DAY-NULM has informed that

1. Till now 24 Urban Local Bodies have completed taskforce meeting and sponsored

2069 applications under SEP- Individual, 42 applications under SEP- Group and

446 applications under SHG bank linkage to banks.

2. Only 77 applications under SEP-I, 3 applications under SEP–G and 6 applications

under SHG bank linkage have been disbursed during the first quarter of FY-2016-

17.

3. In spite of repeated follow up and official reminders from SLBC and SUDA on

branch wise credit target distribution, the banks namely HDFC Bank, Kotak

Mahindra Bank, Bandhan Bank and DCB bank have not responded till date. Due to

non-response of these banks, the target distribution has been delayed.

4. Utkal Grameen Bank (UGB) has expressed their concern and declined to sanction

loan under DAY-NULM, since the bank is not eligible to cover the loan under

CGTMSE.

5. DAY-NULM is extended to all 110 Urban Local Bodies.

C) Financing under SC/ST Schemes:-

The representative of Odisha Schedule Casts & Schedule Tribe Development

Finance Co- operative Corporation limited (OSCSTDFCC Ltd) informed that

during the current financial year 2016-17, the Corporation has fixed target for

financing 21000 Sch. Caste families through 2100 Self Help Groups, 5300 Sch.

Tribes through individual and SHGs under Credit Linked Income Generating

Schemes through Banks. It has also been decided to finance SC individual

applications during 2016-17 where group applications are not available but the

individuals should not be more than 30% of total target of a district. But in case of

ST Sector, there is no limitation for financing individual ST candidates. District

wise achievement under SC & ST sector is given at Annexure – 35.

Because of restriction on transfer of immovable property by a member of a

Scheduled Tribe for execution of mortgage in favour of any bank for securing a

loan, the deserving ST applicants are deprived of availing loan from banks. We

request State Government for necessary amendment in Odisha Scheduled Areas

Transfer of Immovable Property ( By Scheduled Tribes) Regulation.

D) Joint Liability Group (JLG):-

Total amount disbursed for the period 01.04.2016 to 30.06.2016 is Rs. 70.27 crore

in 15006 accounts against target of 40000 and balance outstanding as on

30.06.2016 is Rs. 882.51 crore in 147327 accounts.

Bank wise achievement as on 30.06.2016 is given in Annexure – 36.

31

E) Artisan Credit Card (ACC):-

The state of Odisha is having abundant scope for skill development of Rural

artisans. Issuance of Artisan Credit Cards should be a priority of Banks & Banks

should take steps to finance more under Artisan Credit Card (ACCs) to all

eligible persons.

During the period of 01.04.2016 to 30.06.2016, the Banks in the state have issued

69 no. of Artisan Credit Cards involving total amount of Rs35 lakh. The balance

outstanding as on 30.06.2016 is Rs.31.94 crore against 7731 accounts.

The Bank wise achievement is furnished in Annexure – 37.

F) Swarozgar Credit Card (SCC):-

704 SCCs have been issued for the period 01.04.2016 to 30.06.2016. The balance

outstanding as on 30.06.2016 is Rs. 112.60 crore against 50444 accounts. No SCC

has been issued by Private Sector Banks and a few Public Sector Banks. The

performance of other Banks is not at all impressive and needs lot of improvement.

The Bank wise achievement is furnished in Annexure – 38.


Education Loan

All Commercial Banks have disbursed Rs.66.20 crore in 2948 accounts during

01.04.2015 to 30.06.2016. The balance outstanding as on 30.06.2016 is Rs2197.03

crores in 80421 accounts. The Bank wise performance is available at Annexure –

39.


Housing Loan

Performance of all Banks under Housing Loan as on 30.06.2016 is given below.

Disbursement made during the

current year (01.04.2016 to

30.06.2016)

Balance outstanding as on

31.03.2016

No. of A/c Amt. (Crores) No. of A/c Amt. (Crores)

6559 455.73 182788 9644.66

Bank wise performance as on 30.06.2016 is available at Annexure – 40.

32


Implementation of Prime Minister’s New- 15 Point Programme for Welfare

of Minorities – Progress / Achievement made for 2016-17 – Financing under

Minority Communities.

Ministry of Finance, Govt. of India has advised that the share of credit flow to

minority communities of Public Sector Banks (PSB) should be 15% of the Priority

Sector Advances.

During 01.04.2016 to 30.06.2016, the Banks have extended credit of Rs. 72.60

crore to 6126 beneficiaries of minority community. The outstanding balance as on

30.06.2016 is Rs. 2738.89 crore in 312298 accounts. Bank wise performance is

available at Annexure – 41. Lead District Managers have been requested to

discuss the matter in DCC meeting and monitor the progress.


Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)

Scheme – Progress made by Banks for the last five years.

SIDBI, Bhubaneswar has given the following information on CGTMSE Coverage in

our state (Year wise).

At the end of the year Proposals covered during the year

No. of Accounts Amount in Rs. Crore

31.03.2009 3117 91.42

31.03.2010 6681 285.21

31.03.2011 13929 631.18

31.03.2012 14383 650.66

31.03.2013 16533 648.04

31.03.2014 15777 661.02

31.03.2015 14845 783.60

31.03.2016 19060 710.17

30.06.2016 8322 323.18

Odisha ranks 10th among all the States in India in respect of MSME coverage

under the guarantee scheme of CGTMSE. Bank wise and District wise CGTMSE

coverage approval is available at Annexure – 42.


Disposal of loan applications under various Govt. schemes

Status of disposal of loan applications under various Govt. schemes is available at

Annexure – 43.

33


Timely submission of error free data by Banks to SLBC

Timely submission of correct data by all Banks is of prime importance for

effective functioning of Lead Bank Scheme. Delayed/Non submission of data to

SLBC hampers in verification, compilation and consolidation of data. It also

debars the Convenor, SLBC bank to submit complied data to RBI, NABARD,

Central and State Government on various items as and when asked for.

All Banks need to make lot of improvement in this area.

Laxmi Vilas Bank, Kotak Mahindra Bank Ltd, State Bank of Mysore, State Bank of

Travancore and State Bank of Hyderabad have not submitted the online SLBC

Statement as on 30.06.2016 to SLBC within the set time period. We have repeated

their balance outstanding figures as on 31.03.2016.

AAGGEENNDDAA NNOO..2211

Any other issue with permission of the Chair.

Fixed

Location

Banking

through BC

visits every

week

Banking

through BC

visits once in a

fortnight

Banking through

BC visits more

than once in a

fortnight

BCs-sub total

=6+7+8+9

1 2 4 5 6 7 8 9 10 11 12 12

1 Axis Bank 90 22 6 58 0 0 64 0 86 95.56

2 Andhra Bank 1256 8 0 897 0 0 897 8 913 72.69

3 Allahabad Bank 652 4 68 525 43 0 636 12 652 100.00

4 Bank of Baroda 809 22 793 0 0 0 793 0 815 100.74

5 Bank of India 2541 36 22 2483 0 0 2505 0 2541 100.00

6 Canara Bank 544 25 0 524 0 0 524 0 549 100.92

7 Central Bank 684 9 72 603 0 0 675 0 684 100.00

8 Dena Bank 20 6 0 0 0 0 0 0 6 30.00

9 Federal Bank 20 5 0 0 0 0 0 0 5 25.00

10 HDFC Bank 56 13 6 0 60 0 66 0 79 141.07

11 ICICI Bank 77 5 15 54 8 0 77 0 82 106.49

12 IDBI Bank Ltd 28 0 34 0 0 0 34 0 34 121.43

13 Indian Bank 738 15 0 725 0 0 725 0 740 100.27

14 Indian Overseas Bank 1471 11 1461 0 0 0 1461 0 1472 100.07

15 Indusind Bank 33 0 3 27 0 3 33 0 33 100.00

16 OGB 7587 191 540 3395 0 0 3935 0 4126 54.38

17 Oriental Bank of Commerce 84 4 17 64 0 0 81 0 85 101.19

18 PNB 1170 34 41 669 264 59 1033 0 1067 91.20

19 SBH 8 0 2 3 3 0 8 0 8 100.00

20 SBI 12380 55 724 11069 0 0 11793 0 11848 95.70

21 Syndicate Bank 342 7 330 0 0 0 330 0 337 98.54

22 UCO Bank 2713 6 0 2713 0 0 2713 0 2719 100.22

23 Union Bank 839 1 0 839 0 0 839 0 840 100.12

24 United Bank of India 1555 1 0 0 1565 0 1565 0 1566 100.71

25 UGB 10191 59 0 0 8943 0 8943 0 9002 88.33

45888 539 4134 24648 10886 62 39730 20 40289 87.80

0 60 18 28 20 0 66 0 126

45888 479 4116 24620 10866 62 39664 20 40163 87.52

After Deducting the achievements made

by banks in districts which are not

alloted to them

TOTAL

Annexure - 1

Branches

BC

other

modes

Grand Total

= 5+10+11

SR Name of the Bank

No. of

villages

allotted %ge of

Achievement

Roadmap for providing banking services in every village having population below 2000 - Progress as on 30th June 2016

Name of State/UT: ODISHA

Out of Roadmap prepared for less than 2000, No. of villages where banking outlet opened upto the end of the reporting Quarter

Fixed

Locations

Banking

through BC

visits every

week

Banking

through BC

visits once in a

fortnight

Banking through

BC visits more than

once in a fortnight

BCs-sub

total

=6+7+8+9

1 2 4 5 6 7 8 9 10 11 12

1 Angul 1726 27 235 1044 65 21 1365 0 1392 80.65

2 Balasore 2472 13 204 1678 144 3 2029 1 2043 82.65

3 Bargarh 1037 5 66 530 431 0 1027 2 1034 99.71

4 Bhadrakh 1083 6 81 796 117 0 994 2 1002 92.52

5 Bolangir 1690 5 130 534 1002 4 1670 0 1675 99.11

6 Boudh 1090 3 3 663 380 0 1046 0 1049 96.24

7 Cuttack 1659 54 167 1017 65 0 1249 4 1307 78.78

8 Deogarh 697 1 27 482 169 0 678 0 679 97.42

9 Dhenkanal 968 18 105 720 28 0 853 0 871 89.98

10 Gajapati 1510 6 56 565 734 0 1355 0 1361 90.13

11 Ganjam 2859 18 349 1327 1075 0 2751 0 2769 96.85

12 Jagatsinghpur 1112 24 131 583 162 0 876 3 903 81.21

13 Jajpur 1364 22 225 896 69 0 1190 1 1213 88.93

14 Jharsuguda 316 6 25 156 127 0 308 0 314 99.37

15 Kalahandi 2030 4 186 708 842 5 1741 0 1745 85.96

16 Kandhamal 2517 0 28 1930 234 12 2204 0 2204 87.56

17 Kendrapara 1392 22 245 866 90 0 1201 2 1225 88.00

18 Keonjhar 1975 43 169 1542 22 0 1733 0 1776 89.92

19 Khordha 1253 27 228 626 49 0 903 1 931 74.30

20 Koraput 1874 9 180 458 1100 0 1738 1 1748 93.28

21 Malkangiri 1106 6 10 280 454 0 744 0 750 67.81

22 Mayurbhanj 3401 49 146 2288 383 0 2817 0 2866 84.27

23 Nabarangpur 760 7 77 135 489 0 701 0 708 93.16

24 Nayagarh 1485 15 308 722 23 0 1053 1 1069 71.99

25 Nuapada 632 5 32 214 228 0 474 0 479 75.79

26 Puri 1714 35 245 984 0 0 1229 2 1266 73.86

27 Rayagada 2591 12 272 1013 1086 0 2371 0 2383 91.97

28 Sambalpur 1201 16 33 555 480 17 1085 0 1101 91.67

29 Sonepur 791 2 52 297 438 0 787 0 789 99.75

30 Sundergarh 1583 19 101 1011 380 0 1492 0 1511 95.45

45888 479 4116 24620 10866 62 39664 20 40163 87.52

0 60 18 28 20 0 66 0 126

45888 539 4134 24648 10886 62 39730 20 40289 87.80

After adding achievement

made by banks in districts

which are not alloted to

TOTAL

%ge of

Achievem

ent

Roadmap for providing banking services in every village having population below 2000 - Progress as on 30th June 2016

Name of State/UT: ODISHA

SRName of the

District

No. of

villages

allotted

Annexure - 1

Branches

BC

other

modes

Grand Total =

5+10+11

Out of Roadmap prepared for less than 2000, No. of villages where banking outlet opened upto the end of the reporting Quarter

No Of A/CsDisbursement

AmtNo Of A/Cs Disbursement Amt No Of A/Cs Disbursement Amt No Of A/Cs Disbursement Amt

SURYODAY MICRO FINANCE

LIMITED

58427 117.41 0 0 0 0 58427 117.41

Annapurna Microfinance Pvt. Ltd. 140170 242.82 62 0.36 0 0 140232 243.18

JAGARAN MICROFIN PVT LTD. 1821 2.1 0 0 0 0 1821 2.1

Spandana Sphoorty Financial Limited 184001 342.29 0 0 0 0 184001 342.29

Ujjivan Financial Services 72647 153.01 724 4.32 0 0 73371 157.33

ASMITHA MICROFIN LIMITED 56203 111.89 0 0 0 0 56203 111.89

JANALAKSHMI FINANCIAL

SERVICES LIMITED

55689 87.29 0 0 0 0 55689 87.29

Arohan Financial Services Pvt. Ltd. 30877 44.21 0 0 0 0 30877 44.21

SKS Microfinance Limited 1366420 2032.84 0 0 0 0 1366420 2032.84

Total 1966255 3133.86 786 4.68 0 0 1967041 3138.54

State Bank of India 38468 42.9 9259 216.34 4343 288.16 52070 547.4

State Bank of Bikaner and Jaipur 55 0.17 81 2.56 51 3.81 187 6.54

State Bank of Hyderabad 690 1.11 187 5.33 83 7.13 960 13.57

State Bank of Mysore 48 0.16 17 0.55 22 1.89 87 2.6

State Bank of Patiala 12 0.05 9 0.26 5 0.45 26 0.76

State Bank of Travancore 0 0 0 0 2 0.16 2 0.16

Total 39273 44.39 9553 225.04 4506 301.6 53332 571.03

Allahabad Bank 6484 8.9 1204 25.39 221 16.34 7909 50.63

Andhra Bank 9724 27.35 2110 41.76 512 37.09 12346 106.2

Bank of Baroda 3483 8.54 1758 31.72 166 12.83 5407 53.09

Bank of India 12135 33.86 4456 87.91 593 38.61 17184 160.38

Bank of Maharashtra 105 0.31 103 2.53 51 4.18 259 7.02

Canara Bank 14815 18.69 4409 72.15 602 42.85 19826 133.69

Central Bank of India 4543 9.9 1180 26.52 201 14.83 5924 51.25

Corporation Bank 1499 3.72 746 8.66 141 5.8 2386 18.18

Dena Bank 1400 0.9 139 2.44 25 1.72 1564 5.06

Indian Bank 1988 7.07 1273 20.18 64 4.33 3325 31.58

Indian Overseas Bank 3002 7.61 1512 23.84 149 9.36 4663 40.81

Oriental Bank of Commerce 2467 7.69 986 24.13 279 21.1 3732 52.92

Punjab National Bank 12621 30.43 2364 40.26 603 38 15588 108.69

Syndicate Bank 3970 7.39 2546 49.61 319 20.13 6835 77.13

Union Bank of India 3680 11.78 1618 26.61 111 6.48 5409 44.87

United Bank of India 5126 16.23 1793 35.35 245 18.74 7164 70.32

Punjab & Sind Bank 523 0.9 157 3.48 35 2.68 715 7.06

UCO Bank 45936 54.1 1862 26.73 149 10.26 47947 91.09

Vijaya Bank 1315 4.08 558 10.28 127 9.31 2000 23.67

IDBI Bank Limited 1933 7.89 1042 24.98 372 31.36 3347 64.23

Bharatiya Mahila Bank 413 0.91 14 0.29 3 0.23 430 1.43

Total 137162 268.25 31830 584.82 4968 346.23 173960 1199.3

Catholic Syrian Bank 0 0 3 0.02 0 0 3 0.02

Federal Bank 36 0.14 25 0.56 9 0.6 70 1.3

Karnataka Bank 13 0.06 23 0.66 7 0.25 43 0.97

Karur Vysya Bank 16 0.01 127 4.1 97 6.65 240 10.76

City Union Bank 1 0 2 0.1 2 0.2 5 0.3

South Indian Bank 2 0.01 10 0.17 6 0.46 18 0.64

Tamilnad Mercantile Bank 9 0.04 2 0.06 1 0.06 12 0.16

ICICI Bank 184 0.51 168 6.1 117 7.93 469 14.54

Axis Bank 37962 64.02 287 10.29 188 13.65 38437 87.96

IndusInd Bank 15201 56.05 4167 65.54 63 4.67 19431 126.26

Yes Bank 0 0 506 9.68 0 0 506 9.68

HDFC Bank 77024 153.93 1089 22.42 143 9.41 78256 185.76

DCB Bank 0 0 116 4.33 8 0.68 124 5.01

Kotak Mahindra Bank 0 0 0 0 1 0.1 1 0.1

Total 130448 274.77 6525 124.03 642 44.66 137615 443.46

Citibank 0 0 0 0 1 0.07 1 0.07

Total 0 0 0 0 1 0.07 1 0.07

Odisha Gramya Bank 6797 27.49 2167 27.26 178 8.33 9142 63.08

Utkal Grameen Bank 1535 5.02 540 11.92 70 3.76 2145 20.7

Total 8332 32.51 2707 39.18 248 12.09 11287 83.78

NON NBFC-Micro Finance Institutions 25 0.08 0 0 0 0 25 0.08

Total 25 0.08 0 0 0 0 25 0.08

Grand Total 2281495 3753.86 51401 977.75 10365 704.65 2343261 5436.26

Kishore

(Loans from Rs. 50,001 to Rs. 5.00

Lakh)

Tarun

(Loans from Rs. 5.00 to Rs. 10.00

Lakh)

Micro Finance Institutions

Annexure - 2

PMMYPerformance under MUDRA from 08.04.2015 to 31.03.2016

SBI and Associates

Public Sector Commercial Banks

Private Sector Commercial Banks

Foreign Banks

Regional Rural Banks

Total

Bank Name

Shishu

(Loans up to Rs. 50,000)

NBFC-Micro Finance Institutions

No Of A/CsDisbursement

AmtNo Of A/Cs Disbursement Amt No Of A/Cs Disbursement Amt No Of A/Cs Disbursement Amt

SURYODAY MICRO FINANCE

LIMITED

21342 43.89 0 0 0 0 21342 43.89

Annapurna Microfinance Pvt. Ltd. 16150 34.31 18 0.16 0 0 16168 34.47

JAGARAN MICROFIN PVT LTD. 1369 1.93 0 0 0 0 1

state level bankers committee, odishastate level bankers committee, odisha यoक ब क, सर...

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