agenda 118

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The meeting of State Level Bankers Committee (SLBC) Haryana will be heldon

Following issues shall be taken up for discussions in themeeting:-

The house may confirm the circulated minutes.

The Secretary, Department of Financial Services, Ministry of Finance, Govt. of Indiavide letter dated 19.08.2011 addressed to the Chairman of Convener Bank,

advised that each non defaulter farmer in the State of Haryana be provided withKCC facility by 30.09.2011, which was later extended to 15.10.2011. In order toaccomplish this task, Convener SLBC held a meeting with major Banks & Govt.Departments on 20.08.2011 & 23.08.2011. Seeing importance of the matter as alsothe short period at disposal, the convener SLBC vide letter dated 24.08.2011 alsorequested the Chief Secretary to Govt. of Haryana to issue suitable instructions tothe Dy. Commissioners in the State to actively involve the officials of Revenue,Cooperation, Panchayat, Rural Development Department for identifying such

Agenda & Background Papers of 118th Meeting of SLBC Haryana Page 1

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farmers who were not having KCC, for covering them under KCC/ Crop Loan. In thisregard, a special SLBC meeting was convened on 12.09.2011 which was chaired byFinancial Commissioner & Principal Secretary (Agri.) to Govt. of Haryana, whereinfollowing decisions were taken:-

1. Special DCC Meetings to be held and Action Plan as per Annexure A to letter

dated 07.09.2011 of Secretary, Department of Financial Services, MOF, Govt.Of India (circulated in the meeting) in respect of each district be put in placeand approved by DCC by 20.09.2011.

2. Each non-defaulter farmer is to be given a Kissan Credit Card by 15.10.2011.The list of farmers in each village can be had from Local Revenue office of thevillage concerned. The voter list of the village can also provide theinformation of the names of persons living in the village. The mapping of thelist with the list of loanee farmers in the books of the allocated bank underService Area Approach would give an idea if the farmer has a KCC or not.

3. Each bank is to work out a scheme, if none exists, for giving Savings cumOverdraft facility to the other families, which do not have any land & live inthe Rural Areas. This account is to have an OD limit up to ` 10,000/- againstpersonal guarantee of the villager and he is to use the bank account forsavings or for meeting the requirements of consumption purposes on a needbase basis.

4. Special Camps to be held in each district Bank-wise/ Block-wise every

Wednesday till 15.10.2011 for distribution of KCCs. First KCC DistributionCamp would be held on 21.09.2011. The bankers, LDMs, DDMs, State Govt.officials to actively participate in these camps. Dy Director (Agri) at Districtlevel would be the Nodal office to Coordinate the activities relating to KCCsissuance.

State Government to ensure active involvement/ presence of officials fromRevenue, Cooperative, Panchayat & Rural Development Department inidentifying the farmers for KCCs.

LDMs will report the progress to SLBC on weekly basis for reviewing theperformance.

5. - Payments of Subsidy/ grant loan to beneficiaries byGovernment Departments


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It was apprised that Govt. of India, Ministry of Finance has desired that w.e.f01.10.2011 all payments relating to govt. grants/subsidy be credited throughe-payments by the banks. The Directorate of Institutional Finance & CreditControl is requested to take up the matter with concerned departmentsuitably to ensure that the instructions of GOI, MOF are complied with letterand spirit.

In some of the districts during this period by-election of Lok Sabha, (HissarParliamentary Constituency) & SGPC Elections are to be held. StateGovernment was requested to ensure that adequate support from differentdepartments is provided to Banks/ LDMs so that process of providing KCCs tofarmers is not hampered.

The FC & PS (Agriculture) vide his letter dated 13-09-2011 advised all the Dy.Commissioners of all districts in the State to involve line departmentfunctionaries in identifying eligible KCC farmers. LDMs were advised byConvener Bank to accomplish the task by the stipulated date.

` `

1 2 3 4 5 6 7

1. - 89 277 81 243

2. 25 575 1303 575 1303

3. 4 1349 3893 1231 3621

4. - 1064 2768 1064 2768

5. 2 3249 3555 3249 3555

6. - 6279 5403 112 183

7. 138 2641 4752 2056 3624

8. 107 1048 2309 848 1770

9. 44 1635 3088 1458 2638


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10.

43 3498 5957 3498 5957

11.

356 3248 4980 2781 4682

12.

56 2544 7242 2544 7242

13.

- 1524 2345 1524 2345

14.

21 5766 4580 4719 3420

15.

11 6356 5088 6356 5088

16.

5 8240 4924 7364 3671

17.

160 4957 3136 4460 2825

18.

87 1469 1707 1012 1234

19.

82 19090 13000 19090 13000

20.

15 3376 2826 3376 2826

21. 12 6582 5718 4178 3125

The Office of Director General (Agriculture), Haryana vide communication dated

02.11.2011 advised all the Dy. Directors in the State to coordinate with the LDMs inidentification of eligible farmers & issuance of KCCs in the District.

The office of the Secretary Department of Financial Services vide letter dated 24-10-2011 advised all the Conveners SLBC that Service Area Plan of each district onFIP as per annexure A of their letter dated 7-9-2011 be uploaded on District


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website maintained by NIC. The Convener Bank has advised all LDMs in the State tocomply with the above instructions and send confirmation to Convener SLBC.

A meeting of Conveners of SLBC held on 03-11-2011 in the Conference Hall ofDepartment of Financial Services, MOF,GOI, New Delhi was Chaired by Shri DKMittal, IAS, Secretary, Department of Financial Services wherein following points

emerged :- All the bankers should ensure that the accounts of the migrant workers and

other poor segment of society are opened without any inconvenience to themby following liberalized KYC norms.

Bankers to have more pro customer approach and senior officials mayconduct weekly video conferencing to review the number of accounts openedof the above segment.

Bankers to popularize recently launched Swavalamban Project, whichenvisages an incentive of Rs 1000 to pensioner who saves any amount

between `1,000/- to `12,000/- in a year. Bankers to once again make an effort to sanction KCC loan to the eligiblefarmers in coordination with district authorities.

Managers of rural branches must visit each and every village, preferably 2villages in a week.

Banks to formulate General Credit Card (GCC)/ OD linkage scheme forpeople, who are not eligible for KCCs.

Joint review of the progress of RRBs by Sponsoring Bank, NABARD & RBIinstead of individual review by each of them.

Bankers should take up with Chief Secretary/ Concerned Department of the

State for E-payments of all State Govt. payments.

NABARD, RO Chandigarh in terms of communication dated 18.10.2011 has informedthat Ministry of Finance, Govt. of India has advised to cover all eligible farmers withKCC immediately and has asked to furnish the data on new crop loan accounts on a

monthly basis.

All Banks are requested to ensure that the following data in respect of their banks isreceived by the Convener Bank by 5th of succeeding month

to enable the Convener Bank to send bank-wise achievement toNABARD positively by 10th of every succeeding month.


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1. Commercial Banks

The Controlling Heads of all the Commercial Banks are requested to submit theabove information in time to Convener Bank on monthly basis.

The Convener Bank was informed by RBI, New Delhi that during the course ofmeeting between the Honble Chief Minister, Haryana and Honble Governor, RBI on15.10.2010, it was suggested to RBI that in case of default in the loan account, theland of the farmer held as collateral should not be auctioned instead be managedunder lease arrangement under which 50% income may be used to realize the bankdues & rest 50% should go to the farmer. The land mortgaged to the bank berestored to the borrower after full recovery of the loan amount.

The issue was discussed in 115th Meeting of SLBC Haryana held on 28.02.2011wherein it was decided that a sub-committee be constituted to resolve the issue.Accordingly, a sub-committee was constituted under the chairmanship of ShriRoshan Lal, IAS, FC & PS (Agriculture), Govt. of Haryana. The sub-committee heldits meeting on 08.04.2011 and after deliberations following views emerged:

There is no harm in trying the proposed system of management of land underby the banks.

In case the farmer does not give his consent for the same or if the recovery

of the loan could not be effected under lease arrangement up-to a specifiedperiod say seven years, the bank may resort to the recovery procedure byway of sale of land.

The bankers & NABARD were not in favour of the above recommendations.


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The issue was taken up in the 116th Meeting of SLBC Haryana held on 11.05.2011wherein the above views of the Sujb-Committee were discussed in detail and thehouse decided to refer the matter to RBI as it may have pan India repercussions.

The Convener Bank took up the matter with RBI, New Delhi vide letters dated08.06.2011 & 06.09.2011 for the decision on the issue of Management of Land on

Lease Arrangement. Now the Convener Bank has received a communication dated20-10-2011 from RBI, New Delhi vide which it is informed that the matter has beenexamined by their central office and it has been advised that such a scheme oflease arrangement will neither be feasible nor viable and it will vitiate the creditatmosphere in the state. It may invite legal complications for banks and credit toagriculture sector might be severely affected. Such a scheme will cause the banksresources to be diverted away from their core activities without making anysubstantial gain on the recovery front.

RBI further stated that as per Section 9 of BR Act 1949 - No banking companyshall hold any immovable property howsoever acquired, except such as it is requiredfor its own use, for any period exceeding seven years from the acquisition thereof orfrom commencement of this Act. The act therefore discourages the banks fromholding non banking assets beyond a specific period. If this scheme comes intoexistence, the banks may be forced to hold non banking assets beyond the specificperiod, as 50% of the lease rentals would not be sufficient to recover the loanswithin that period. Thus, such a scheme would also be violating the spirit of Section9 of the Act.

Therefore, RBI was not in favour of the proposal made by the State Government.

In the 117th meeting of SLBC Haryana held on 10.08.2011, it was informed by theDirector, IF & CC, Haryana that Secretary, Board of School Education has referredthe matter to NCERT and to the committee of experts for their view on the issueand further progress in the matter is awaited.

In the above-mentioned meeting Regional Director, RBI, Chandigarh stated that it isbeing implemented in the States like Karnataka & Kerala and the Govt. of Haryanashould pursue the issue appropriately.


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``

In the 117th Meeting of SLBC Haryana held on 10.08.2011, the house was informedthat Boards of PNB, OBC, UBI, HGB & SBI ,BOI, SBOP have approved raising the

debt swap limit from `50,000/- to `1,00,000/-. The Regional Director, RBI,Chandigarh mentioned that SLBC has already approved the enhancement of debtswap limit, therefore there should not be any problem in approving the same by theremaining banks.

As per Extant guidelines, at least 3% of the disbursements for Agriculture areearmarked for extending loans under Debt Swap Scheme.

The summarized position of achievement up to under DebtSwap Scheme is as under:-

(`In Lakh)

797608 23927 10913

(46%)60151 1805 0

(0%)174060 5222 1588

(30%)313160 9395 0

(0%)

The Bank wise position is available in

From the data, it is observed that an amount of ` 125.01 Crore has been grantedunder the captioned scheme upto September 2011, which is only 31% of theallocated target. Achievement of Pvt. Banks & Co-operative is NIL


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The Controlling Heads of banks are requested to advise their field functionaries tolend liberally under the scheme and get the farmers out of clutches of moneylenders.

1838 unbanked villages in the State of Haryana with population of more than 2000were allocated to different banks on the basis of service area approach forimplementation of Financial Inclusion Plan, the Controlling Heads of the Banks wererequested to get approved the roadmap from the respective boards specificallymentioning the time period (roadmap) and the mode of technology to be used inthis regard.

The break-up of villages allocated to Public Sector Banks/ Pvt. Sector Banks/ RRBs isas under:-

1. Public Sector Banks 18 13382. Private Sector Banks 2 2

3. RRBs 2 498

The target date for covering the allocated villages was initially fixed for 31.03.2011and was further extended to March 2012. Banks have revised their road maps andthe consolidated revised road map submitted by the member banks to Convener

Bank & progress made is given as under:-

2010-11 1135

2011-12 703Total 1838


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The progress (cumulative) made by banks under FIP as on 30.09.2011 is as under:-

29 1026 105547 1131 117859 1355 1414- 424

The progress made by Banks up to vis--vis the roadmapprovided by them is given below:-

502 468 34 490 12 438 443 44323 23 - - 23 - 1 1

7 7 - - 7 - - -

19 19 - 19 - 19 19 19

164 159 5 88 76 88 88 14462 40 22 62 - 57 57 57

42 42 - 11 31 11 11 11

10 10 - 10 - 10 10 1097 97 - 8 89 8 8 83 3 - 3 - 3 3 3

101 101 - 60 41 60 60 84216 213 3 190 26 190 199 216230 201 29 127 103 91 187 22510 10 - 9 1 9 10 10

21 21 - 8 13 17 21 -

1 1 - - 1 - - 132 22 10 10 22 29 30 30

268 265 3 24 244 24 30 15127 27 - 13 14 - - -1 1 - 1 - - -2 2 - 2 - - - -1 1 - 1 - 1 1 1

1838 1732 106 1135 703 1055 1178 1414


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While reviewing the progress of banks on FIP in the 117 th meeting of SLBC, held on10.08.2011, it was desired by the House that banks should first complete theprocess of FIP in respect of villages with population more than 2000 by January

2012, so that time is available with the banks to chalk out the strategies undersecond phase of FIP in respect of villages with population 1000-2000. In the saidmeeting the allocation of villages made by LDMs to banks in DCCs meetings,was also approved. However, some realignment was made by the LDMs in thenumber of unbanked villages with population 1000-2000. The District-wise andBank-wise allocation of 1716 unbanked villages is given on

The Convener Bank has received a communication from Head Office of State Bankof Patiala vide which it is requested that 16 villages with population more than 2000earlier allotted to their bank for FIP purpose in District Fatehabad, Rohtak & Jindbe allocated to Punjab National Bank as Village Morkheri in district Rohtak has beenallotted to PNB by the Lead District Manager. Similarly, Village - Dhand & Kirdhan inDistrict Fatehabad have been allotted to PNB by the Lead District Manager. Further,it is also recommended that following 13 villages where BCs of Punjab National Bankare working, be reallocated to PNB and delete the same from the list of State Bank

of Patiala:

Before placing the matter of reallocation of villages from SBOP to PNB to SLBC forfinal approval, Convener bank has requested the concerned LDMs to get the same

approved in DCC meetings.


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The progress report of disbursement of fresh loans to beneficiaries under DebtWaiver up is as under:-

(Amount ` in Lac)

Public Sector Banks 82364 40563 30037 24627Private Sector Banks 280 461 0 0RRBs 19017 7692 7257 6849Cooperative Banks 310754 102682 71336 33186

Bank-wise/ District-wise information is as per

Banks in Haryana have provided fresh credit amounting to `646.62Crore, which is 43 % of total waiver by covering 108630 accounts i.e26 % of farmers benefited under the scheme.

The Public Sector Banks have provided fresh loans to the extent of

61% of the amount waived, covering 36% of farmers under the scheme. RRBs have provided fresh loans to the tune of 89% of the amountwaived & 38% of farmers have been covered under the scheme.

The cooperative banks have given fresh loans amounting to ` 331.86Crore i.e.32 % of the amount waived, covering 23% of the farmers underthe scheme.

The progress report of disbursement of fresh loans to beneficiaries under DebtRelief up to is as under:-

(Amount ` in Lac)


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Public Sector Banks 59248 19480 15731 22546Private Sector Banks 677 227 0 0RRBs 6896 2232 3184 5845Cooperative Banks 100103 17877 79698 42995

Bank-wise/ District-wise information is as per

Banks in Haryana have provided fresh credit amounting to ` 713.86

Crore, which is 179% of total relief, covering 98613 accounts i.e 59% offarmers benefited under the scheme.

The Public Sector Banks have provided fresh loans to the extent of114% of the amount of relief, covering 9.7% of farmers under the scheme.

RRBs have provided fresh loans to the tune of 262% of the amount ofrelief & 46 % of farmers have been covered under the scheme.

The cooperative banks have given fresh loans amounting to `429.95Crore i.e. 240% of the amount of relief, covering 80% of the farmers underthe scheme.

The EBT implementing banks are requested to step up the pace of opening ofpension accounts of the remaining beneficiaries so that all of them are able to getthe pension through EBT.


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As at 21.10.2011, of 2118497 pensioners under EBT Scheme in the State ofHaryana, 1796037 are drawing pension through banks. The banks that have beenallocated districts for EBT are requested to step up the pace of opening of pensionaccounts of the remaining beneficiaries so that all the beneficiaries are able to getpension through banks electronically.

The progress of banks implementing EBT in the State of Haryana as atis given as under:-

1. Kurukshetra HDFC Bank Ltd. 91891 79364

2. Panchkula Corporation Bank 27876 23229

3. Hisar State Bank of India 158621 1475884. Panipat ICICI Bank Ltd. 83360 76023

5. Sonepat ICICI Bank Ltd. 131921 114515

6. Bhiwani ICICI Bank Ltd. 159282 148691

7. Ambala ICICI 93280 85046

8. Karnal AXIS Bank Ltd. 137107 124841

9. Kaithal AXIS Bank Ltd. 113538 104924

10. Sirsa do 133096 126933

11. Palwal do 79692 75812

12. Faridabad do 66796 53412

13 Yamunanagar ICICI 106901 84625

14. Jhajjar ICICI 92839 78122

15. Rewari Union Bank of India 80023 77561

16. Narnaul do 85500 82181

17. Fatehabad do 107020 103279

18. Mewat do 75065 62915

19. Jind OBC 134366 128040

20.A Rohtak Punjab National Bank 20387 18936

20.B Rohtak Punjab National Bank 81776 68019


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21. Gurgaon CBI 58160 33508

All the Controlling Heads of Banks implementing the Scheme are requested toinitiate suitable steps for its timely disbursement of social benefits as per terms &

conditions of the MOU.

The Convener Bank has not yet received any communication from the State Govtwith regard to designating an officer to issue income certificate to the students ofthe economically weaker section of the Society for availing interest subsidy on theeducation loans raised from the banks. A list received from the office of IBAindicating the authority appointed in the different states for the purpose was alsosent to the office of IF&CC and Revenue Department, Govt. of Haryana for takingearly decision in the matter.

The representative from IF & CC, Haryana informed in the 3nd Steering CommitteeMeeting held on 21.10.2011 that the matter has been taken up with RevenueDepartment and the response is awaited.

With a view to discuss the issue, a meeting is scheduled to be held in the office ofDirector, IF & CC, Haryana on 08.11.2010. The representative from IF & CC isrequested to apprise the outcome of the meeting as also the decision taken by theRevenue Department, Haryana on the issue.

The performance of Banks under this scheme is given below:

(Amt. ` In Crore)

September2009 30091 701.25 200.49 40.0 PPs


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September2010 33616 812.07 110.82 15.8 PPsSeptember2011 37072 877.03 64.96 8.0 PPsBank-wise data is given in

During the review period, the education loans in the state registered an increase of` 64.96 Crore from ` 812.07 Crore as at to ` 877.03 Crore as at

, thus showing YOY growth of 8 During the period ended2011, banks have disbursed ` 84.38 Crore to 5208 students.

Keeping in view the requirement of financial support to the meritorious studentswho wish to study further and also the importance of education being attached byHaryana Government, all banks are requested to improve the performance underEducation Loan scheme

Presently 9 RSETIs are functioning in the State of Haryana. With a view to openRSETIS in all the Districts of the State, it was resolved in the 116 th SLBC meetingheld on 11-05-2011 that State Govt should allot the land at the earliest forestablishing the remaining RSETIs.

Financial Commissioner & Principal Secretary (Development & PanchayatDepartment), Govt. of Haryana vide endorsement letter no. SBA-1-2011 dated04.07.2011 addressed to all the Dy. Commissioners in the State of Haryana hasinformed that the State Government has decided in principle that the identified

Gram Panchayats may be permitted to make available its shamilat land half () anAcre for the purpose of establishing and running of Rural Self Employment TrainingInstitutes (RSETIs) subject to the condition that bank would have to pay usagecharges at the rate of Rs. 12,000/- per half an Acre per year to the GramPanchayats and signing of Tripartite Memorandum. A detailed draft of Memorandumof Agreement to be used in this regard has been prepared in consultation with RuralDevelopment Department, Haryana and Convener (SLBC) Haryana.

In the 3rd steering Committee meeting held on 21-10-2011, the representative ofRural development department informed that possession of land has been taken in

District The remaining LDMs are requested to coordinate withdistrict authorities and concerned Panchayats for taking possession of the land forestablishing RSETIs.

From the performance of RSETIs as at 30.09.2011, it has been observed as under:-


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In total 604 batches, skill development programmes for 22604 trainees wereheld for self-employment under different fields like Agriculture EDPs, SkillEDPs, General EDPs, PMEGP/ Govt. Sponsored Programmes.

Of 604 batches, 414 programmes were held for SC/ ST and other minoritycommunities.

In 267 batches, 7063 women participated in the training programmes. In one batch, 158 handicapped participated in the skill development training

programme.

Performance of the RSETIs functioning in the State up to September 2011 is givenin

Banks have set up 21 FLCCs in the State of Haryana. Following 2 FLCCs werefunctioning on old model.

1.Rewari Gurgaon Gramin Bank 22.02.2008

2. Mewat Syndicate Bank 09.07.2007

The Convener Bank took up the matter with Gurgaon Gramin Bank & SyndicateBank for switching over the functioning of their FLCCs at Rewari & Mewatrespectively to New Model. The Gurgaon Gramin Bank has now informed that theFLCC of their bank at Rewari has been closed. LDM Rewari has been requested todiscuss the issue in the DCC meeting and then inform the outcome to SLBC.

The General Manager, Syndicate Bank was also requested to open FLCC at Gurgaonat the earliest as it was informed in the 116th Meeting of SLBC Haryana that FLCC atGurgaon would be opened in the month of June 2011. The response fromSyndicate Bank is awaited.

The progress made by Financial Literacy & Credit Counselling Centres as atSeptember, 2011 is given in


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As per the data, 37180 persons contacted FLCCs and made enquiriesregarding deposit accounts, loan accounts, debt swap scheme and soughtguidance regarding investment avenues.

After making enquires in FLCCs, 16227 persons have availed differentfinancial services from the banks up to the period under review.

FLCCs also organised 375 seminars wherein 18626 persons participated andwere made aware in respect of Financial Inclusion, preventive counselling andCustomer Rights.

The comparative position of Key Banking Parameters is given below:

(Amt. ` in Crore)

2205 2410 2653 205 (9.2%) 243 (10%)

90271 105704 126891 15433 (17.1%) 21187 (20%)60814 78328 92320 17514 (28.8%) 13992 (18%)32743 39757 45630 7014 (21.4%) 5873 (15%)

16808 19131 21348 2323 (13.8%) 2217 (12%)12393 14362 16520 1969 (15.9%) 2158 (15%)

8970 12154 15790 3184 (35.5%) 3636 (30%)6965 8471 8492 1506 (21.6%) 21 (0.25%)

6385 8070 11406 1685 (26.4%) 3336 (41%)

3.98 7.68 8.59 3.70 (92.9%) 0.91 (12%)

Bank-wise data is given on


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While reviewing the progress under key-parameters, following trends have beenobserved:

During the period October 2010 to September 2011,243 branches of Commercial

Banks and RRBs have been added thereby raising the total number of bankbranches in the State to2653 as at September 2011 from 2410 branches as atSeptember 2010.

Area wise analysis in regard to Branch Expansion is summarized below:-

Rural 793 842 923 49 81Semi Urban 520 570 666 50 96Urban 892 998 1064 106 66

- During the review period, increase of number of branches of banks inurban areas was of the order of 66.

- Semi-urban area registered an increase of 96 branches, whereas the

increase of branches in rural area is 81.

154 branch licenses were pending as at 30.09.2011 with banks for opening of newbranches. Some of the major banks with pending licenses are: Canara Bank (17),

Corporation Bank (9), SBI (9), UCO Bank (10), AXIS Bank (11), IDBI (18), HDFCBank (16).

Controlling Heads of these banks are requested to take steps for opening of thesebranches at the earliest.


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Bank wise and district wise position of licenses in hand is available at

Total deposits have increased by `21713 Crore from `105718 Crore as atSeptember 2010 to ` 126891 Crore as at September 2011, thereby shows agrowth of 21%.

Further, area-wise analysis of Deposit Mobilization has been summarized below:

(` in Crore)

Rural 15316 16636 19523 1320 8.6 2887 17%

Semi Urban 19100 20375 24936 1275 6.7 4561 22%Urban 55855 68692 82431 12837 22.9 13739 20%

During the review period, the growth of deposit mobilization in urban area is20 %.

In rural area the deposit grew by17% and in semi-urban area the growthwas22%.

Total advances have increased by `14217 Crore from `78103 Crore as at2010 to ` 92320 Crore as at 2011 showing a growth of18%.

Further, area-wise analysis of Aggregate Advances has been summarized below:

(Amt. ` In Crore)

Rural 8616 10874 12258 2258 26.2 1384 13%Semi Urban 12673 14088 16446 1415 11.2 2358 17%Urban 39525 53366 63616 13841 35.0 10250 19%


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The growth in urban area was19%. The growth in semi-urban area was17%,whereas the advances in rural area

witnessed growth of 13%.

Advances under Priority Sector have increased from `39757 Crore as atSeptember 2010 to `45630 Crore as at September 2011, thus showing anincrease of`5873 Crore or 15%. The share of incremental PS advances toincremental total advances during the period under review is 42%.

Total outstanding under agriculture advances increased from `19131Crore asat September 2010 to `21348Crore as at September 2011, showing an

increase of ` 2217Crore or 12 %. The share of incremental agricultureadvances to incremental total PS advances during the period under review is38%.

Advances to Micro & Small Enterpriseshave increased to `15790 Crore as atSeptember 2011 from ` 12154 Crore as at September 2010, therebyshowing an increase of ` 3636 Crore (30%). The share of incrementaladvances to Micro & Small Enterprises to incremental total PS advances

during the period under review is 45%.

Weaker Sector advances increased by `3336 Crore on year-on-year basisfrom ` 8070 Crore as at September 2010 to ` 11406Crore as at September

2011, showing a growth of41% as compared to 26% growth during the sameperiod last year.

The DRI advances have increased by ` 0.91Crore from ` 7.68Crore as atSeptember 2010 to ` 8.59Crore as at September 2011, registering a growthof12%.


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The performance of all Scheduled Banks in lending under DRI scheme is farbelow the stipulated target of 1% of aggregate advances of the previousyear.

Adequate number of persons falling within the bracket of above mentionedincome criteria is available in the society. The banks should take suitable

steps to extend finance to eligible persons under DRI.

As per the revised targets at least 10 loans per rural branch per quarter are to bemade by all the Scheduled Commercial Banks instead of earlier five loans per branchper quarter.

The progress achieved so far is summarized as under:-(Amt. ` in Lacs)

Public Sector Banks 11580 1395 143 12%Private Sector Banks 480 - - -

Bank-wise position is available at

- 67% 74% 73%60% 56% 65% 63%60% 66% 69% 66%40% 66% 55% 50%

18% 29% 27% 23%


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13.5% 21% 20% 18%

4.50% 8% 7% 5%

1% 0.006% 0.011% 0.09%

10% 11% 11% 12%

The Bank-wise position under National Goals is available

:

a) Under , the performance of the banking system hasbeen commendable as the achievement is well above the prescribed

b) Under the achievement is

c) Under the achievement is18 asagainst target of whereas under Indirect Agriculture theachievement is 5 against the target of

d) to total advances is.

e) Under , there has been growth of 0.09% but theNational Goal of 1 % is yet to be achieved by the banks.

The comparative position of overall CD Ratio is as below:

September 2009 67% -2PPsSeptember 2010 74% 7PPsSeptember 2011 73% -1PPs

During the period under review, Overall CD Ratio of Banks in State of Haryanadeclined by 1% from 74% as on September 2010 to73% as on September 2011.


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The comparative position of CD Ratio of Rural Areas in Haryana is as follows:

Sept 2009 15315 8616 56% -11PPsSept 2010 16636 10874 65% 9 PPsSept 2011 19523 12258 63% -2 PPs

During the review period, the CD Ratio of rural areas declined by 2 PPs from 65 %as at September 2010 to 63% as at September 2011.

The comparative position of CD Ratio of Semi Urban Areas in Haryana is as follows:

Sept 2009 19100 12673 66% -6%ppsSept 2010 20375 14088 69% 3%PPsSept 2011 24936 16446 66% -3%PPs

During the review period, the CD Ratio of Semi Urban areas declined by3 PPs from69% as at September 2010 to 66% as at September 2011.

.


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60%

60%

67%

72%

74%

78%

73%

77%

60% 77% 83% 82%

Overall CD Ratio in respect of Commercial Banks, RRBs & Cooperative Banksas at September 2011 is 77%.

The CD Ratio shows further improvement by 5PP i.e. from 77 % to 82%when the amount in respect of RIDF i.e. `6587crore as informed by NABARDis included in total credit.

However, CD Ratio of District Ambala (50%), Gurgaon (53%), Sonepat(48%), Narnaul (46%), Rohtak (51%) and Rewari (41%) is still below thestipulated level of 60% which needs further improvement.

The District-wise/ Bank-wise performance has been given at

After adding the figures of`6587 of investment made by banks in the State

Govt. Bonds with total credit of all banks amounting to ` 101002 , the credit+ investment to deposit ratio works out to 82

This indicates that besides credit deployment, large funds have also been investedby the banking system in State Government securities, which are ultimately utilizedfor the economic development of the State.

The Bank-wise position is given at


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The achievement under Annual Credit Plan (2011-12) up to September 2011 is givenbelow:-

(Amount ` in Crore)

15823 13450 85%3364 3595 107%3106 2424 78%

Bank-wise/ District-wise position is given in

As against target of ` 22293 crore upto Sept 2011, Banks havedisbursed loans to the order of` 19469 crore. The achievement comesto 87%.

As against target of ` 15823 crore under agriculture & allied sector,Banks have disbursed loans to the order of ` 13450 crore. Theachievement comes to 85 %.

Banks disbursed loans amounting to ` 3364 crore against the target of`3595 crore set forth for Micro & Small Enterprises Sector. Theachievement comes to 107%.

Banks disbursed loans to the tune of` 2424 crore under Other PrioritySectors against the target of` 3106 crore. The achievement comes to78%.

The perusal of district-wise progress for the period ended September 2011 under

ACP 2011-12, reveals as under: -

The overall targets have been exceeded in 4 districts namelyFaridabad, Panipat, Rohtak & Sirsa & missed by 17 districts. Similarly, the targets under Agriculture & Allied Sector have beenachieved in 4 districts namely Kaithal, Panipat, Rohtak and Sirsa.


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The targets under Small & Micro Enterprises have been exceededin 8 districts namely Ambala, Bhiwani, Faridabad, Kaithal, Panchkula,Panipat, Rohtak & Sonepat & remaining 13 districts missed the targets. The targets under Other Priority Sector have been achieved byFaridabad, Fatehabad, Gurgaon, Kurukshetra & Narnaul & missed byvarying margins in 16 districts.

The analysis of banking group-wise progress reveals as follows:-

As against target of` 15756 Crore, the Commercial Banks, have disbursedloans amounting to ` 14007 Crore. The achievement works out to 89%.

The RRBs have disbursed loans amounting to ` 1898 crore under PSadvances as against target of` 1649 crore, thus showing achievements of115%. Whereas, the Cooperative Banks have disbursed loans amounting to `3325 Crore against targets of ` 4815 crore. The achievement comes to69%.

As against target of` 9885 crore under this sector, the Commercial Banks,have disbursed loans amounting to ` 8578 crore, the achievement comes to

87%. The RRBs have disbursed loans amounting to ` 1741 crore under this sector

as against target of`1509 crore, thus achieving the target by 115 %. The Cooperative Banks have disbursed loans amounting to ` 3132 crore

against target of` 4430 crore, thus achieving the target by 71%.

As against target of` 3121 crore under this sector, the Commercial Banks,have disbursed loans amounting to ` 3245 crore. The achievement comes to104%.

RRBs have disbursed loans amounting to ` 31 crore under this sector asagainst target of` 24 crore, the achievement comes to 128%.

The Cooperative Banks have disbursed loans amounting to ` 80 crore againsttarget of` 145 crore, the achievement works out to 55%.


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As against target of` 2750 Crore under this sector, the Commercial Bankshave disbursed loans amounting to ` 2185 crore. The achievement works outto 79%.

RRBs have disbursed loans amounting to ` 126 crore under agriculture sector

as against target of`115 crore, thus showing achievement of 109%. The Cooperative Banks have disbursed loans amounting to `113 crore

against targets of` 240 crore. The achievement comes to 47%.

The Convener Bank has collected the position of Crop Loans (production credit) &investment credit under Agriculture Sector.

The analysis of the position is as under:-(Amt. ` in Crore)

Target Achievement % Achievement Target Achievement % Achievement

11925 9892 83% 3899 3558 91%

The Bank wise & District wise position is available in

The analysis of the data given in the above table indicates as under:-

Out of total Agri. Credit disbursements of` 13450 Crore, a sum of` 9892Crore has been given for production credit.

The credit for investment purposes was disbursed to the tune of` 3558 Croreagainst the target of` 3899 Crore showing an achievement of 91%.


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`

Total number of Beneficiaries(both SHGs & IndividualSwarozgaris) to whom loanshave been sanctioned

10198 NotApplicable 8012 NA

Out of whichSC Beneficiaries(Target being 50%)

5632(55%)

1619 4168(52%)

1706

Women Beneficiaries(Target being 40%)

8743(86%)

2440 6895(86%)

2717

Handicapped Beneficiaries(Target being 3%)

120(1.18%)

31 64(0.80%)

25

Target of CreditDisbursement

NotApplicable

6110 NotApplicable

7130

Total Credit Disbursed NotApplicable

3849 NotApplicable

2678

% age Achievement NotApplicable

63% NotApplicable

37%

`

Number of Self Help Groupsformed

22569 N.A. 25159 NA

Number of SHGs undertakingeconomic activities

915 N.A. 733 NA

Number of members of SHGsundertaking economic activities

9765 N.A. 13359 NA

Out of whichSC Beneficiaries 5535 N.A. 3987 NA


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(Target being 50% of total) (57%) (30%)Women Beneficiaries(Target being 40% of the total)

8505(87%)

N.A. 6691(50%)

NA

Handicapped Beneficiaries(Target being 3% of the total)

92(0.94%)

N.A. 38(0.28%)

NA

Loan disbursed 915 2706 733 2513Subsidy disbursed 943 729Total assistance 3649 3242Average assistance per member(Target)

NotApplicable

` 25000 NotApplicable

` 25000

Average assistance(Achievement)

NotApplicable

` 37743 NotApplicable

` 42860

`Particulars 2010-11

30.09.20102011-1230.09.2011

No. Amt. No. Amt.Number of cases sponsored 1009 N.A. 838 NA

Cases sanctioned 435 N.A. 757 NA

SC Beneficiaries

(Target being 50% of total)

97 N.A. 181 NA

Women Beneficiaries(Target being 40% of thetotal)

238 N.A. 204 NA

Handicapped Beneficiaries(Target being 3% of thetotal)

28 N.A. 26 NA

Loan disbursed

433

162

457

164

Subsidy disbursed 38 39

Total assistance 200 203Average assistance permember (Target)

N.A. ` 25000 N.A. ` 25000

Average assistance(Achievement)

N.A. ` 46298 N.A. ` 45312


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District-wise position is given in

As against annual target of` 7130 lakh for credit disbursement, banks

up to September, 2011 have disbursed loans amounting to ` 2678lakh, the %age achievement works to 37% as against 63% during thecorresponding period last year.

The targets of average assistance stand achieved both under individualswarozgaris as well as under SHGs.

Similarly, the cumulative targets of assistance to women & SCbeneficiaries have also been exceeded.

However, the benchmark for providing assistance to handicappedbeneficiaries has been missed.

On cumulative basis, 52% SC beneficiaries have been sanctioned loanagainst target of 50% under the scheme and 86% womenbeneficiaries have been sanctioned loan, against the target of 40%under the scheme, whereas the achievement of handicappedbeneficiaries is 0.80% against the goal of 3%, which may be due tonon-availability of eligible beneficiaries.

The Convener Bank has received a copy of the order dated 6th October 2011, issuedby Ministry of Rural Development, Govt of India that it has now been decided torename the National Rural Livelihood Mission (NRLM) as Aajeevika withimmediate effect.

)

During current financial year, the progress made by the banks up to 30.09.2011 is

as under:- `

Agenc Target 2011- Fresh Cases Pending Cases Sanctioned Cases


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y 12 Case

s

forwa

rded

**

as on

01.04.2011

(pertaining to

2010-11)

Disbursed/MM

released*

No. MM No. No. MM No. MM No. MM

KVIC 270 378.38 18 66 181.65 25 61.42 86 236.47

KVIB 270 378.37 - 224 472.28 18 59.59 162 376.53

DIC 360 504.50 6 250 394.35 92 104.23 244 396.18

Total 900 1261.2

5

24 540 1048.2

8

135 225.24 492 1009.18

Upto the period ended Sept 2011, 24 fresh cases have been forwardedto the banks, besides 540 cases pending as at the end of March 2011have also been carried forward to the current year.

Out of 540 applications forwarded to the banks, 135 cases involvingmargin money of` 225.24 lac have been sanctioned by the banks.

Banks have disbursed 492 cases involving margin money of` 1009.18lac.

As the progress under the scheme could not be provided by the department till thefinalization of Agenda papers, the comparative position could not be placed. Therepresentative from the office of SUDA Haryana informed telephonically thatprogress will be provided in the meeting itself as the same is under compilation.

Target 660 1716Cases Sponsored to banks 1353 1229Cases Sanctioned by banks 683 346Cases Disbursed by banks 536 147Ach. of sanction vis--vis target 103% 20%


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Ach. of disbursement vis--vis target 81% 8.56%

All the Banks are requested to achieve the targets under the scheme allocated by

the LDMs in each district.

The Convener SLBC has received a communication dated 10.10.2011 from RBI,Chandigarh vide which it is desired that SLBC, owing to its large membership,constitute Sub-Committees for Special Tasks to examine the specific issues in depthand should devise solutions/ recommendations for its consideration. It is alsoadvised in the said letter that Sub-Committees be constituted specifically for Govt.Sponsored Schemes, MSMEs, Export Promotion & FIP and hold periodical meetingsfor focussed discussion on listed agenda.

In the 3rd Steering Committee Meeting held on 21.10.2011 following Sub-Committees were constituted for different purposes. The house resolved that thesecommittees should have regular members as well as members on rotational basisfor participation in the meetings to be convened for discussions on different issues.

The detail of Sub-Committees is as under:-

1. Govt.SponsoredSchemes

RBI, NABARD, ConvenerBank, SponsoringAgency, Director IF &CC, SBI, SBOP, OBC,UBI,

HGB, CBI, CanaraBank,HDFC Bank & ICICIBank, GGB, AXIS Bank,BOI, PSB, BOB, Corpn.Bank, Indian Bank,


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Allahabad Bank, SyndicateBank, Dena Bank

2. MSMEs RBI, SIDBI, Director(Industries),Director MSME, Director

IF & CC, Representativesfrom Haryana Chamberof Commerce & Industries, ConvenerBank, SBI, SBOP, OBC,UBI, , CBI, Canara Bank,

HGB, CBI, Canara Bank,HDFC Bank & ICICI Bank,GGB, AXIS Bank, BOI ,PSB,

BOB, Corp Bank, IndianBank, Allahabad Bank,Syndicate Bank, DenaBank, Entrepreneurs ofMSMEs

3. ExportPromotion

RBI, EXIM Bank,Representative fromHaryana State Small

Industries & ExportCorporation Ltd., DirectorIF & CC, Convener Bank,SBI, SBOP, OBC, UBI,

CBI, Canara Bank, HDFCBank & ICICI Bank, , AXISBank, BOI,PSB, BOB, Corp

Bank, Indian Bank,Allahabad Bank syndicateBank, Dena Bank

4. FinancialInclusion Plan

RBI, DIF & CC, ConvenerBank, SBI, SBOP,Syndicate Bank, CanaraBank, CBI, OBC, GGB,HGB,

NABARD, Allahabad Bank,BOB, BOI, Corp Bank, IOB,PSB, BOM, Indian Bank,Indian Bank, UCO Bank

The performance as at September 2011 is as under:-

SGSY 25836(22692) 17279(15252) 67%(67%) 17255(15201) 67%(67%)

Non SGSY 19117(17115)

9781(9112)

51%(53%)

15528(13886)

81%(81%)


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(Figures in bracket are for corresponding period last year)

: There is an in number of SHGs

maintaining SF accounts with banks both under SGSY and non-SGSY schemes.The total number of SHGs has increased to 44953 as on from39807 as on September i.e. an increase of 5146 SHGs showing a growthof 13% during the period under review.

: Thehave been linked with bank credit up to as against creditlinkage of 24364 upto corresponding period last year, i.e. an increase of2696 or 11% which is . Bankers are requested to furtherimprove the performance keeping in view the thrust on SHGs and FinancialInclusion.

: 73% of the SHGs is women SHGs. Since September 2010, 3676more women SHGs have been added to the existing number of 29107 raising thetotal number of women SHGs to 32783 as at September 2011.

The comparative position of sector wise priority sector recovery is as follows:

Agriculture 74 72 73 - 2 PPs 1 PPsMSE 79 85 87 +6 PPs 2 PPsOther PS 70 72 77 +2 PPs 5 PPsOverall PS 74 74 76 No Change 2 PPs


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The overall recovery of PS Advances as at September 2011 is 76%. The recovery under Agriculture has shown an increase of 1 PPs from

72% as at Sept 2010 to 73% as at Sept 2011. The recovery under MSE has increased by 2 PPs from 85% as at Sept

2010 to 87% as at Sept 2011.

Whereas, the recovery under Other Priority Sector has witnessed anincrease of 5 PPs from 72 % as at Sept 2010 to 77 % as at Sept 2011. Some of the banks have not provided the information of recovery

under different segments of Priority Sector. Therefore, the actualposition of recovery in the State of Haryana under Agriculture, MSME,Territory & overall Priority Sector could not be ascertained.

The comparative position of recovery under various Government sponsoredschemes is as follows:

PMRY/PMEGP 45 49 37 +4 PPs -12 PPsSJSRY 51 54 63 +3 PPs 9 PPs

SGSY 58 54 52 -4 PPs -2 PPSHGsUnder SGSY 75 60 78 -15 PPs 18 PPsUnder other thanSGSY

78 71 78 -7 PPs 7 PPs

The recovery under PMEGP has declined from 49% as at Sept 2010 to37 % as at Sept 2011.

The recovery under SJSRY has shown an increase of 9 PPs from 54%as at Sept 2010 to 63 % as at Sept 2011.

The recovery under SGSY has declined by 2 PPs from 54% as at Sept2010 to 52% as at Sept 2011.

The recovery of SHG under SGSY has shown an increase of 18 PPsfrom 60% as at Sept 2010 to 78% as at Sept 2011.


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The recovery of SHG under other than SGSY has also shown anincrease of 7 PPs from 71% as at Sept 2010 to 78 % as at Sept 2011.

The position of recovery certificates as at September 2011 is given hereunder:

`

Total cases pending as at 30.06.2011 2332 34.42Cases filed during the quarter ended 30.09.2011 540 10.42Cases disposed of during the quarter ended 30.09.11 117 1.74Cases pending as at September, 2011

Up to 6 months 664 12.526 months to 12 months 266 6.891 year to 3 years 824 12.69Above 3 years 1001 11.00

Bank wise and District wise position of recovery under State Agricultural RecoveryAct called HACOMP (Haryana Agricultural Operations & Misc. Provisions) Act, 1973,is given in

No. of cases pending as at 30.09.2011 are 2755 as against 2332 as at30.06.2011.

During the quarter under review, banks have filed 540 Recovery Certificate Casesamounting to `10.42 .

As many as 117 cases amounting to ` 1.74 Crore have been disposed of duringthe period under review.

1001 cases are pending for more than involving an amount of` 11.

All the LDMs are requested to closely follow up with Revenue authorities and get thependency cleared at the earliest. The pendency may also be got reconciled with therecord available with Revenue Department.

Revenue Department, Haryana is also requested to provide support to theBanks/LDMs for clearance of old recovery cases.


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The Government of India, Ministry of Housing & Urban Poverty Alleviation (MH &UPA), has launched the Interest Subsidy Schemes of Housing for the Urban Poor(ISHUP) to address urban housing shortage in the country. The scheme providesfor interest subsidy of 5% per annum on loan amount upto Rs. 1 lakh for theeconomically weaker section (EWS) and Rs. 1.60 lakh for lower income group (LIG)in the urban areas for construction or acquisition of a new house.

District-wise progress under the scheme is given at

The progress achieved in implementing Swarozgar Credit Card Scheme up to30.09.2011 reveals that against an annual target of 10000 SCCs, 2351 cards havebeen issued which is 23.51% of the annual target.

The data received from banks is given in

:

In terms of the recommendations of Prime Ministers Task Force on Micro,Small & Medium Enterprises (MSMEs) under Chairmanship of Shri TKA Nair banksare advised as under;

I. Achieve a 20% Year on Year growth in credit amount to micro and smallenterprises to ensure enhanced credit flow,


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II. The allocation of 60% of MSE advances to the micro enterprises is to beachieved in stages viz. 50% in 2010-11, 55% in the year 2011-12 and 60% inthe year 2012-13,

III. Achieve a 10% annual growth in number of micro enterprise accounts.IV. It is further advised that banks should open more SME focused branch offices

at different MSE clusters which can also act as Counseling Centers for MSEs.

Each Lead Bank of a district may adopt at least one MSE cluster.

The comparative position of credit outstanding to MSME is as follows:-

(Amt. `in Crore)

158848

(18%)

4724

(18%)

182800

(15%)

5993

(27%)54903 8324 62429 9603213751 13048

74% 36% (75%) (38%)

2650 3284 10066 7567

In the State of Haryana, banks up to Sept. 2011 have provided credit to thetune of` 5993 crore to 182800 Micro Enterprises as against ` 4724 Croreto 158848 units as at Sept. 2010, thus registering a growth of 15% & 27% interms of number of units financed & outstanding credit respectively.

As at Sept. 2011, the banks have financed 62429 Small Enterprisesamounting to ` 9603 crore as against 54903 units amounting to ` 8324crore as at Sept. 2010.

The share of advances under micro enterprises to total MSE as at Sept. 2011is 75% against stipulated level of 50%.

Banks up to Sept. 2011 have financed 10066 Medium Enterprises amountingto ` 7567 crore.

Banks in the State have financed 255295 MSME units amounting to` 23163 crore as against 216401 units amounting to ` 16332 crore as atSept. 2010.


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The Commercial Banks and RRBs are required to add on an average at least

, small and medium enterprises at each of their semi urban and urbanbranches per year.

Summarized position of new units financed by banks during the period ended Sept.2011 is as under:

Commercial Banks 1623 2751 1.70RRBs 107 48 0.45

The above data reveals that 1730 Semi-Urban and Urban branches of commercialbanks and RRBs in Haryana have provided finance to 2799 new SME units duringthe current year up to Sept. 2011. The average per SU/Urban branch is unitsin respect of Commercial Banks and RRBs as against target of 5 Units per SU/Urbanbranch

Bank wise data of semi urban and urban branches and new units financed duringthe quarter ended Sept. 2011 is placed at

53 specialized SSI/ SME Branches in Haryana have sanctioned ` 323.03 Crore in

1115 cases during the year ended Sept. 2011 and disbursement has been made in1088 cases amounting to ` 282.53 Crore, including cases disbursed which weresanctioned during previous quarters. A total outstanding advance as at Sept. 2011 is` 2250.21 Crore to 16245 units.

Bank wise position is given on


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The position of sick SME units as at Sept. 2011 is as follows:`

2274 11312 3 427 2271 10885 2 426 2 12

The bank wise data is available at

`

The progress of financing by the banks under Collateral free loans upto `10 lakhto MSE sector as at Sept. 2011 is summarized below:-

(Amount `in Lakh)`

9660 21472 4456

(46%)

10885

(51%)

The study of above data reveals that banks have provided loans upto `10 lakh to9660 MSE units and out of which collateral free loans have been provided to 4456units, which means the coverage is 51%.

The Credit facility upto ` 100 Lakh sanctioned to MSEs (both Manufacturing &Service Sector) are eligible to be covered under CGTMSE. During the SLBCmeetings, all Banks were requested to avail the benefit of the Scheme and to get alleligible units covered under the Scheme. Progress under the scheme up toSeptember 2011 is given below:-

(Amount `in Lac)


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1495 13148 1098 9203 -397 -3944 -26 -30 9642 63953

Bank wise & District wise information of accounts covered under the scheme isgiven in

The data reveals that 1098 cases have been covered during the year up to Sept.2011 as against 1495 cases covered under the scheme during the correspondingperiod last year showing negative growth of 26%. Total number of applicationsapproved since inception is 9642

:

Credit requirement of identified SSI clusters are being reviewed as a regular agendaitem of SLBC Meetings. District Consultative Committees prepare separate AnnualCredit Plans for these clusters.

The performance of these clusters up to Sept. 2011 is as under: -

` `

Rice Milling 741 291 39%Auto Mobile 42 8 18%Rice Milling 282 117 42Agri. Implements 36 25 69

Plywood Industries 80 9 11%

From the table given above, it is observed that performance of banks in the clustersexcept Agri. Implements (Distt. Karnal) is not satisfactory.

.


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The comparative position of outstanding advances to minority communities is givenbelow:

(`In lacs)

Muslim 121137 73880 120364 84154 144469 136351Sikh 222780 210542 225977 254470 215708 370942Christian 1206 1817 1006 5237 2135 6476Buddhist 1039 520 366 250 1137 490Zorastrian 7 8 8 8 49 34

Bank wise data on loans outstanding as at Sept. 2011 is given on

It is observed that the total outstanding to Minority Community in the State is `5142.93 C to 363498 beneficiaries up to Sept. 2011 as against `3441.19C as at Sept. 2010 which shows of 49 during the reviewperiod.

The RBI has identified districts with concentration of Minority Communities, outof which, two districts of Haryana have been identified for this purpose.

The progress is as under:-

(Amount `in Lac)

206 413 - - - -


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81936 43810 22433 14552 83116 44511

0 0 0 0 0 01333 6660 5 2 6 18

0 0 0 0 0 0

- 335042 7324 4443 - 22463

(Amt. ` In lac)

7 3 5 1 534 161 27 34 314 2000 0 - - -

56598 73849 23158 46756 57312 82050 0 0 0 0

91042 107274 34280 85561 100816 16806

As District Mewat has been carved out of Gurgaon District, theprogress of advances made to minorities during the half year ended30.09.2011 is placed for review.

During the period under review 22433 beneficiaries of Muslimcommunity have been extended advance to the tune of Rs. 145.52Crore.

To other communities Rs. 44.43 Crore has been extended in 7324accounts.


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In District Sirsa, the outstanding advances to Minority communitieshave gone up by 38% as at Sept 2011 compared to the position ofSept 2010.

The empowerment of women is one of the Primary objectives of Government ofIndia. RBI has already issued instructions to the banks to advance at least 5% oftheir Net Bank Credit to Women Beneficiaries. This aspect is being closely monitoredat DCC as well as at SLBC levels.

The comparative position of advances to women beneficiaries is given below:(` in Crore)

2921 706 32% 5%3364 443 15% 5%4158 794 24% 5%

It is observed that Commercial Banks and RRBs have achieved the target of 5% asprescribed by RBI.

The Overall Advances to Women Beneficiaries witnessed an increase of `794Crorefrom `3364 rore as at Sept 2010 to `4158 Crore as at Sept 2011, thus registeringa growth of 24%.

During the quarter ended Sept. 2011, the Banks have disbursed advances to thetune of`123.03 Crore to 12486 women beneficiaries.

Bank-wise data depicting the performance during the year up to September 2011 isgiven in

The comparative position of outstanding advances under HousingFinance is as follows;

(Amount Rs. in crore)As At Accounts Amount Increase

Absolute %age


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September 09 137955 7270.37 1081.98 17.5September 10 167201 7883.00 612.63 8.43September 11 150447 7396.59 -486.41 -6.17

During the review period, the outstanding advances under Direct Housing Financehave registered decline of Rs. 486.41 crore from Rs. 7883.00 crore as at September2010 to Rs. 7396.59 crore as at September 2011.

The Office of Director General (Agriculture), Haryana vide their communication no.5416-19/Stat dated 04.07.2011 has informed that the Weather Based CropInsurance Scheme will be implemented by the Insurance Companies as under:-

1. Ambala II Block of District Ambala by ICICI Lombard GIC Limited.2. Babbain Block of District Kurukshetra by Agriculture Insurance Co. of India

Ltd.

3. Tohana Block of District Fatehabad by IFFCO Tokyo GIC Ltd.4. Madlouda Block of District Panipat by HDFC ERGO GIC Ltd.

The Scheme has been implemented as per guidelines issued by AgricultureDepartment, Govt. of Haryana as well as Govt. of India. The scheme wascompulsory for Loanee farmers having sanctioned credit limit for Paddy Crop andoptional for Non-Loanee farmers.

National Agriculture Insurance Company launched modified National AgricultureInsurance Scheme during Khariff 2011 for Paddy Crop in District Karnal and Kaithalon pilot basis. As per the scheme, cut-off date for receipt of consolidateddeclaration of Loanee & Non-Loanee farmers by Insurance Company from NodalBanks was 20.09.2011, which was later extended to 27.09.2011 as per Govt. ofHaryana notification no. 7778-80/Stat dated 16.09.2011.


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The Kissan Union lodged a protest with the banks by handing over a memorandumto the banks in Karnal wherein it is mentioned that Modified Agriculture InsuranceScheme in its present form cannot be accepted.

The representative from NAIS & Agriculture Department, Govt. of Haryana apprised

in 3rd Steering Committee meeting held on 21-10-2011 that the scheme isbeneficial for the farmers, however, adequate awareness could not be createdamongst the farmers about the benefits of the scheme.

During the period ended Sept 2011, total 12 projects have been received byNational Horticulture Board and of this only project has been processed andremaining 11 projects are pending for decision.

The approved calendar of holding of SLBC Meetings during the current year hasalready been conveyed to the banks by the Convener Bank with the request tosubmit the data timely & error free to convene the meeting on the pre-decideddates.

As already informed that the Convener Bank has developed a SLBC Data Portalhttps://www.mypnb.in/slbc for Collection & Consolidation of Quarterly ProgressReport by uploading the data by the banks on-line for the period ended June 2011.All the Member Banks had also been given for access tothe portal in the training programme held at Regional Staff College, Panchkula ofConvener Bank.

https://www.mypnb.in/slbchttps://www.mypnb.in/slbc

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As some of the banks have not yet uploaded the data for the period ended June &Sept 2011, it is again requested that the same be done immediately so that Systemis stabilized.

The banks were required to submit data for September 2011 by 15.10.2011 forSLBC meeting fixed for 14.11.2011 through Email/ physical form as also push it

electronically to Web Portal but the same was yet to be received from some banks& LDMs very late.

Despite the laid down guidelines of Reserve Bank of India for the submission of dataprescribed within time limit of 45 days from close of the quarter to SLBC,following banks have submitted the information to Convener Bank on the datesmentioned below against their names The non-submission of data within timeschedule makes it difficult for the Convener Bank to compile/ consolidate the datafor the preparation of Agenda papers. The Convener Bank also made follow-upthrough email & telephonically with the defaulting banks but the data for theprevious quarter has to be repeated.

1. IDBI Bank Not submitted upto 5-11-2011

2. Federal Bank Not submitted upto 5-11-2011

3. Kotak Mahendra Bank Ltd. Not submitted upto 5-11-2011

4. United Bank of India Not submitted upto 5-11-2011

5. Karnataka Bank Not submitted upto 5-11-2011

6. Karur Vysya Bank ltd. Not submitted upto 5-11-2011


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The Ministry of Women & Child Development has introduced a new scheme forPregnant & Lactating women called Indira Gandhi Matritva Sahyog Yojna (IGMSY),which is a conditional Cash Transfer Scheme. The Scheme aims to improving thehealth and nutrition of Pregnant and Lactating women.

Under the Scheme, a cash incentive of ` 4000/- is to be provided in threeinstallments to every Pregnant and Lactating Woman, 19 years and above, subjectto certain conditions. The amount shall be disbursed through a Bank or Post Officeaccount only.

The programme is being implemented in Haryana on pilot basis in Panchkula Districtthrough Department of Women & Child Development, Haryana

In the Special DCC Meeting of district Mewat held on 16.09.2011, it was informed bythe LDM that one of the issues emerged in the Video Conference held withSecretary, Department of Financial Services, Ministry of Finance, Govt. of India, was

installation of Rural ATMs in the Financial Inclusion Villages by the banks withCommon Service Provider. The Lead District Manager Mewat vide his letter dated22.09.2011 has mentioned that issue of common vendor be got approved in SLBCso that common tender can be floated. The bank-wise detail of tobe installed in the Rural Areas is as under:-

1 Syndicate Bank Tauru, Chharora, Ferozpur Namak, Tain, Chilla,Niwana, Agone

2 Canara Bank Dadoli, Punahana

3 GGB Ghasera, Sudakar, Revasan, Aakera, Indana,Indri, Jamalgarh, Punhana, Jiwant, Singlheri,Hathan, Gulalta, Saroli, Khoriskhokha, Bhadas,Nagina, Ghaghas, Tigaon, Khori Kalan, Nai, 21Tauru, Ferozpur Jhirka

4 Union Bank of India Rehna5 SBI Sahpur Nagli, Tapkan, Devla Nagli, Sanghel,


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Sohinga Kalan6 Oriental Bank of

CommerceKhanpur Ghati, Rithath

It has also been informed by Syndicate Bank that during the course of meeting withSecretary, Deptt. Of Financial Services, Ministry of Finance, Govt. of India, it hasbeen directed to advise all Banks in District Mewat that

Convener Bank received a communication from the NABARD, Regional Office,Haryana, Chandigarh, vide letter dated 27.09.2011 that enactment of a Law on thelines of Government of Andhra Pradesh be taken up with the State Government andinclude this as Agenda item in next SLBC meeting. This will facilitate adequateprovision of institutional credit to tenant farmers/ oral lessees and share croppers inthe State.

The Official from NABARD may brief the house about the same and House maydeliberate.

########


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As on , Banks have sanctioned working capital limits to 4877small manufacturing units amounting to ` 1079.76 Crore out of which 4163working capital limits were sanctioned as per Nayak Committee Norms. Thus, banks

have sanctioned 85% cases as per Nayak Committee Norms during the period underreview.

Bank-wise data is given in

The comparative position under the scheme is as under:

(Amt. ` in Crore)

Sept 2009-10 3005 118 176 6%Sept 2010-11 3120 102 214 7%Sept 2011-12 869 39 55 6%

The Banks have disbursed ` 39Crore to 869 beneficiaries during the period ended

Sept. 2011 as compared to `102Crore disbursed to 3120 beneficiaries during sameperiod of last year. Out of 869 beneficiaries, the share of SC/ STs is 6 %. Bankersare requested to further increase the credit disbursement under this sector as loansare fully secured and percentage of Recovery is also satisfactory. As per theguidelines, banks should include all the housing loans made in rural areas under thisscheme irrespective of the amount of loan advanced.

The data provided by Banks is given in

It is observed that the banks have issued 40810 cards amounting to ` 9913.62 lacup to 30.09.2011 since inception of the scheme. Since there is great thrust of RBI/Government of India on total Financial Inclusion, banks are requested to issuemaximum number of GCCs as the maximum amount under the scheme is only `25000/- and the procedure for identification and issuance of cards is very simple.

The data received from banks is given in


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The Regional Office of NABARD, (Haryana) Chandigarh has informed that there aretotal 6 types of credit linked Govt. sponsored schemes, where subsidy is routed

through NABARD. The Cumulative Position of sanctions under various Govt.Sponsored Programmes implemented through NABARD, in the State of Haryana isas under:

(` In Lacs)

1. Cold Storage 113 13575.96 7804.66 2573.892. Rural Godown 1243 30756.12 20659.53 4380.453. ACABC 3 26.9 14.2 6.93

4. CLCSS 235 16489.49 9484.16 1228.215. AMI 824 20906.09 14236.46 3768.116. NPOF 129 981.16 593.70 148.88

The comparative position of Farmers Clubs formed by the banks in the State of

Haryana is as under:

As on Sept. 2009 1477 214As on Sept. 2010 1699 222As on Sept. 2011 2119 420

Banks have formed 2119 Farmers Clubs up to Sept. 2011 (Cumulative) as against1699 up to Sept. 2010. However, out of 2119 clubs, 1972 are active and 147 are

dormant.

All Banks are requested to form more such clubs and create awareness amongstfarmers about the banking facilities and help them in becoming knowledgeablefarmers. This will also help in bankers drive towards Complete Financial Inclusion.

NABARD is also requested to advise their DDMs to coordinate with LDMs forlaunching of these Clubs wherever launching is pending.


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Bank wise position is given at

The data reveals that 99 farmers were sanctioned loans with disbursement of `5.12 Crore for purchase of land during the current financial year uptoThe progress has been reported by PNB (3), Syndicate Bank (2), HGB (30), HARCOBank (3), HSARDB (58) & Canara Bank (3).

Bank-wise position is given at

Upto Sept. 2011, the banks have issued 194 cards amounting to ` 217.23 lac. Thecumulative position under ACC scheme since inception is 4525 cards amounting to `2812.27 lac of which 698 cards are covered under CGTMSE with an amount of`292.11 lac.

Major participating banks in the scheme are PNB (2405), SBOP (729), SyndicateBank (335), SBI (417), Bank of Baroda (134), Bank of India (163), OBC (59) andUCO Bank (91). The data also reveals that some of the banks have notimplemented the scheme so far.

The data received from Banks is given in

It is observed that 613 cases involving ` 183.41 Lac were filed before the LokAdalats out of which 266 cases amounting to ` 79.34 Lac were settled during theyear upto

Bank wise data is given in

It is observed that Banks have sanctioned 3029 cases amounting to ` 2584 lacduring the year ended Sept. 2011. Disbursement has been made in 3026 cases


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amounting to ` 2545 lac. Loans outstanding as at 30.09.2011 were ` 22325 lac in42976 cases as compared to ` 19527 lac in 42238 cases as at 30.09.2010.

Bank-wise and district-wise data is given on

From the data, it is observed that banks have disbursed ` 273 lac to 252 borrowersup to the period ended Sept. 2011.

(Amt. `in lac)

Bank wise data is given on

Rural 197 34 231Semi-Urban 424 61 485

Urban 1084 115 1199

Bank wise position is given on

1. KCCs outstanding as at31.03.2005

1447178Amount outstanding `5224.69 Crore

2. KCC issued since inceptionof the Scheme

2802030

3. Amount Sanctioned ` 24132.66Crore4. Outstanding Card Nos. 1927829


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5. Amount Outstanding `15575.44 Crore

The number of farmers as per the data available with the Agriculture Department,Haryana, is as under:-

1. Small Farmers 2.94 lakh2. Marginal Farmers 7.04 lakh3. Other Farmers 5.30 lakh

It may be observed from the above data that the no. of KCCs outstanding as on30.09.2011 is more than the no. of farmers in the State. The difference may be onaccount of issuance of more than one KCC to a farmer family depending upon theland ownership in the Revenue Record provided by the farmer to the LendingInstitution.

Bank-wise data of progress under Kissan Credit Card Scheme as at 30.09.2011 isgiven in

The Ministry of New & Renewable Energy (MNRE), Government of India hasintroduced a subsidy linked credit scheme for Solar Off-grid (Photo-voltaic &thermal). The scheme provides for routing the capital subsidy & the interestsubsidy on bank loan availed by the clients from the banking system for solarenergy conversion/ user systems and devices under the scheme through NABARD.

To promote off-grid application of solar energy both (PV & Solar Thermal) and toencourage replacement of non-renewable energy sources like fossil fuels, keroseneand diesel with solar energy to energy requirement.

The scheme will be co-terminus with phase-I of the Jawaharlal Nehru National SolarMission i.e. up-to March 2013 and is applicable throughout the country.


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MNRE (Ministry of New & Renewable Energy) in consultation with IREDA & NABARDhas approved 11 models.

All commercial banks including private banks and RRBs are eligible to avail refinance

from NABARD.

Presently the capital subsidy would be to the tune of 30% of benchmark subject tothe boundaries conditions.

The eligible capital subsidy would be released upfront to the banks on receipt of thedrawl application format after sanction of the loan by the bank. The capital subsidycomponent would, however, be released to the supplier on behalf of the borrowerby the financing bank.

Borrower is to contribute 20% of the project cost.

Maximum period not exceeding 5 years with minimum lockingperiod of 3 years for availing the benefit of subsidy.

5% Per Annum.

As per the existing RBI guidelines.

The banks would be eligible to draw 100% of the loan outstanding as refinancefrom NABARD on an automatic basis. The refinance would carry an interest rate of2% p.a. Repayment of refinance alongwith interest would be made by the banks toNABARD on a half-yearly basis.

MNRE/NABARD/IREDA will monitor the scheme.


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In the 117th SLBC meeting held on 10.08.2011 while reviewing the progress ofdisposal of cases sponsored by Haryana Scheduled Castes Finance & DevelopmentCorporation, it was observed that large no. of cases were pending in the bankbranches for disposal and banks were requested to expeditiously dispose of thesame. However, from the position of pending cases as at September 2011 receivedby our office, it has been noticed that 9199 cases out of 14848 cases sponsored to

different banks were still pending.

The Controlling Heads of all Banks are requested to advise branches of their banksin Haryana to dispose of the cases on merits within the prescribed time frame. LeadDistrict Managers are also requested to review the progress under the scheme inDCC/ DLRC Meetings. HSCFDC Department, Govt. of Haryana is also requested toadvise their District Manager to personally visit the branches where the pendency isold and is on higher side.The house may discuss.

The Managing Director, Haryana Backward Classes and Economically WeakerSections Kalyan Nigam, convened a meeting to discuss the modalities and scope forimplementation of collateral free lending to PwDs under Credit Guarantee Scheme.The meeting was chaired by Shri Harsh Bahl, IIS, CMD, NHFDC and representatives,among others, from our office, both RRBs in the State of Haryana also attendedthe same. It was apprised in the meeting that there were 4.55 lakh PwDs in theState and approximately 7000 have so far been financed by different agencies.

In order to boost lending to PwDs, Govt. of India has launched Credit GuaranteeScheme under which collateral free loans are to be provided. Besides the lending,

bankers will be refinanced by NHFDC. The main features of the scheme of NHFDC topromote Socio Economic Development of PwDs are as under:-

1. The PSBs & RRBs will provide loan to the persons with disability (PwDs) asper the norms and provisions of the Credit Guarantee Scheme of Governmentof India. Guarantee cover is provided under Credit Guarantee Scheme.Hence, there is no need to take collateral security from the borrower.


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2. The loan to eligible persons with disability (PwDs) will be provided by PSBs/RRBs at the National Handicapped Finance & Development Corporation(NHFDC) interest rates. The applicant should have a certificate for 40% ormore disability and the maximum loan shall be limited to ` 25 lakhs.

3. The PSBs/ RRBs will be allowed to retain 3% interest margin as per theprovision of the lending policy of NHFDC.

4. NHFDC will refinance all such loans given to eligible persons with disabilitiesby the PSBs/ RRBs. The refinance shall be repaid by PSBs/ RRBs inaccordance with the schedule of repayment/ quarterly demand notices raisedby NHFDC.

5. Under this collaborative arrangement, NHFDC will not insist on guaranteefrom the implementing agency or State Government. Also the implementingagency will not take any collateral guarantee from the beneficiaries asstipulated in the Credit Guarantee Scheme.

6. The one time Guarantee fee and annual service fee under Credit GuaranteeScheme will be charged as per the norms and procedure of the PSBs/ RRBs.

7. In case of default by the borrower, the lending PSBs/ RRBs can recover upto85% of loan under procedures laid down in Credit Guarantee Scheme

Two RRBs in the State of Haryana and our Bank, being the lead Bank have beenidentified for lending to PwDs under the above scheme. It was also apprised in themeeting that NHFDC has already taken up the matter with our Corporate Office forassociating our bank under the scheme on Pan India basis.

Keeping in view the interest margin of 3% available to the banks as also the

guarantee cover upto 85% of the loan amount in case of default, we request you toexamine the scheme for implementation by the bank branches in the State ofHaryana and decision may kindly be advised to us.

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