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DATA BASE ISSUES IN INDIAN

COOPERATIVE CREDIT SYSTEM

(Paper prepared for Seminar on ‘Data Base Issues in Financial Sector’, March 13, 2010)

By

BHIMA SUBRAHMANYAM

Managing Director

NATIONAL FEDERATION OF STATE COOPERATIVE BANKS

(NAFSCOB)

J.K. CHAMBERS, PLOT NO. 76, SECTOR-17, VASHI, NAVI

MUMBAI – 400 703, INDIA

Phone: 91-22-27892741/2789269727892738. Fax: 91-22-27892604

E-mail: [email protected]

Website:http://www.nafscob.org

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Data Base Issues in Indian Cooperative Credit System*

Bhima Subrahmanyam**

I) Prelude:

Indian Cooperatives have played a significant role in the development of

economy and more specifically development of agriculture and rural development. The

contribution of dairy cooperatives, fertilizer cooperatives, agriculture marketing

cooperatives have been immense to the country. Infact, there are a number of important

segments within the Indian cooperative movement. The important segments are:

Agricultural Credit (short term) Cooperatives which are responsible for production credit,

Agricultural Credit (long term) Cooperatives which are responsible for investment credit,

Urban Cooperative Banks (UCBs) are responsible for delivery of non-agricultural credit,

other types of cooperatives are marketing cooperatives, tribal cooperatives, fertilizer

cooperatives, consumer cooperatives, weavers cooperatives, sugar cooperatives,

cooperative spinning mills, industrial cooperatives, dairy cooperatives, fisheries

cooperatives, housing cooperatives, labour cooperatives, poultry cooperatives, etc. The

agricultural credit cooperatives which are part of the Indian cooperative credit system

have played an exemplary role in ensuring smooth flow of credit for agriculture and rural

development. The Indian cooperative credit system through out is responsible for the

development of agricultural credit in India. It may be instructive to peruse the structure of

the Indian cooperative credit system – the most important segment within the Indian

cooperative movement.

II) Structure of Indian Cooperative Credit System:

The institutional rural cooperative credit system (RCCS) more particularly credit

delivery system has been envisaged as an effective channel for creating an environment

for socio-economic development in the society. The institutional rural cooperative credit

system for agriculture comprises of (1) short term (ST) and long term (LT) cooperative

* A paper prepared for presentation in the Seminar on ‘Data Base Issues in Financial Sector’ organized by

EPW Research Foundation in collaboration with Indira Gandhi Institute of Development Research

(IGIDR), Mumbai on March 13, 2010. **

Managing Director, National Federation of State Cooperative Banks (NAFSCOB), Navi Mumbai

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credit institutions, (2) Commercial Banks (CBs), (3) Regional Rural Banks (RRBs), (4)

National Bank for Agriculture and Rural Development (NABARD) and (5) Reserve Bank

of India (RBI). The institutional credit delivery system for urban areas comprises of (1)

CBs, (2) UCBs and (3) Urban Cooperative Credit Societies (UCCS).

The RCCS consists of two wings namely ST and LT. The ST cooperative credit

structure deals with medium term credit also for agricultural purposes and it is federal in

character. It is mostly based on a three tier pattern with the State Cooperative Banks

(SCBs) at the Apex Level, District Central Cooperative Banks (DCCBs) at the

intermediary level and Primary Agricultural Credit Societies (PACS) at the village level.

While the CBs and RRBs with a network of about 43,331 branches put together

account for 47 percent of the agri-rural credit network system, the rural cooperative credit

system, in existence for more than a century and consisting of 1,09,759 outlets purveys

53 percent of the total agri-rural credit network system. Indeed, the above facts cover

both ST and LT cooperative credit institutions comprising 31 SCBs with 986 branches

and 20 State Cooperative Agriculture and Rural Development Banks (SCARDBs) with

868 branches at Apex level, 372 DCCBs with 13,151 branches at intermediary level and

93,634 PACS and 697 Primary Cooperative Agriculture and Rural Development Banks

(PCARDBs), indicating that the structure has a formidable rural presence in terms of

geographical coverage (Illustrative Chart I & II). Appreciating the above facts as well as

its potential and spatial spread, the cooperative banking system is being continuously

assigned a very critical role in the economic development of the rural areas in so far as

the dispensation of the credit is concerned right from the commencement of planning in

India.

At national level the National Federation of State Cooperative Banks Ltd

(NAFSCOB) was established on May 19, 1964 with a view to facilitate the operations of

State and Central Cooperative banks in general and development of cooperative credit in

particular.

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III) Organisation of the Paper:

An attempt has been made in this paper to discuss the issues relating to data base

of short term cooperative credit institutions. The paper also highlights the initiatives and

recommendations of a number of committees on data base, identify the agencies

maintaining the data base in terms of collection, compilation, analyses and dissemination

of the data. The paper also reviews the present status of the data base in terms of its

utilization, its reliability and also identifies the data gaps. A sincere attempt has also been

made to extend suggestions to bridge the data gap and efforts to be made in strengthening

the data base in the cooperative credit system. The paper also made a reasonable analysis

on the efforts being made by the agencies such as NAFSCOB, RBI, NABARD and

National Cooperative Union of India (NCUI).

IV) Data Base versus Recent Committees/Working Groups/Policy Initiatives:

A number of Committees right from Sir Maclom Darling (1957) till the Task

Force on Revival of Rural Cooperative Credit Institutions under the Chairmanship of

Prof. A. Vaidyanathan (2005) have been constituted to study the status of credit

cooperatives in India. The other important Committees that have been studied the status

of cooperative credit system in India heavily depended on the data to analyse and to draw

the most important conclusions are : All India Rural Credit Survey Committee by A.D.

Gorwala (1951-54), Sir Malcom Darling Report (1957), Committee on Cooperation

under the Chairmanship of Shri Ram Niwas Mirdha (1964-65), All India Rural Credit

Review Committee by B. Venkatappaiah (1966-69), Committee on Integration of

Cooperative Credit Institutions by Dr. R.KL. Hazari (1976), Committee to Review

Arrangements for Institutional Credit for Agriculture and Rural Development by B.

Sivaraman (1978-81). It may be instructive to recall the excellent contribution made by

the Agricultural Credit Review Committee popularly known as Senior Expert Group

under the Chairmanship of late Dr. A.M. Khusro (1984) in terms of collection,

compilation and analysis of the data to draw most important conclusions on Indian

cooperative credit system. After a gap of almost 15 years, yet another important

Committee/Task Force has been set up to study the cooperative credit system and suggest

measures for its strengthening under the Chairmanship of Shri Jagdish Capoor in 2000.

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This Task Force has also made valuable contribution in terms of collection, compilation

and analysis of the data pertaining to cooperative credit delivery system. Subsequent

Committees have heavily depended upon the available data for estimating the

recapitalization support to the short term cooperative credit institutions. The Agriculture

Debt-Waiver and Debt Relief Scheme (2009) was formulated based on the estimated data

by NABARD. The scheme would have been made more effective and beneficial to many

farmers, had information/data on default farmers as on March 31, 2007 and overdue as on

December 31, 2007 and also data of farmers classified into farmers from irrigated and

non-irrigated land areas covered. Similarly, the National Commission on Farmers under

the Chairmanship of Prof. M.S. Swaminathan (2006), Committee on Financial Sector

Plan for North Eastern Region by Usha Thorat (2006), Expert Group on Agricultural

Indebtedness by Prof. R. Radhakrishna (2007) and Committee on Report on Condition of

Work and Promotion of Livelihoods in the Unorganised Sector (2007) headed by Dr.

Arjun Sengupta demonstrated the need and important of data base towards policy

initiatives in the Indian cooperative credit system.

Available data on Indian cooperative credit system has immensely contributed in

drawing up of appropriate conclusions by the High Powered Committee on Cooperatives

(2009) under the Chairmanship of Shri Shivajirao G. Patil (2009) and a Working Group

on Human Resource Policy for Short Term Cooperative Credit Structure under the

Charimanship of Shri S.K. Mitra (2009). The Committee on Financial Sector Assessment

(CFSA) jointly constituted by the Government of India and RBI under the Chairmanship

of Dr. Rakesh Mohan (2009) made recommendations which will have far reaching

consequences on the rural cooperative credit and banking institutions and such a

recommendation could be possible only because of the importance accorded to the data

base issues. The Banking Institute of Rural Development (BIRD), an institution

sponsored by NABARD, established (2009) a Centre for Professional Excellence in

Cooperatives (C-PEC). The focus of C-PEC would be its efforts on building an effective

network to develop a cadre of technical and professional competence in the cooperatives

with due emphasis on banking operations and delivery of financial services. The C-PEC

heavily depended on the available data maintained by NAFSCOB to suggest measures to

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streamline training system in the cooperative credit structure in terms of (a) arranging

specialized training, (b) certification of training institutions, (c) designing of standardized

and need based training modules, (d) certification of professional competencies and

finally (e) accreditation.

All those important Committees/institutions have used the data maintained at the

level of national level agencies. The Task Force on Revival of Rural Cooperative Credit

Institutions also entirely depended on data base of ST Credit Cooperatives including

SCBs, DCCBs and PACS maintained by NAFSCOB. The committee had studied

impairments in governance of credit cooperative societies (CCS), management, and

financial impairment. Task Force also provided remedial measures and approach. To

draw conclusion about impairments of CCS, the committee had to rely on data base of

CCS maintained at the levels of RBI, NABARD and NAFSCOB.

V) Agencies Maintaining Data Base:

The sources of data are normally include published data from government offices,

cooperative organizations, research institutes, NGOs etc. On the other hand, informal

source of data is the research output brought out by a large number of researchers.

Though not a regular source of data on any particular area, they help to have a greater

understanding on the official data or to bridge some of the gaps.

The major agencies maintaining data on Indian cooperative credit system and

other sectors in India are as follows:

1) NAFSCOB, (2) NCUI, (3) NABARD, (4) RBI, (5) National Level Sectoral

Federations viz., National Cooperative Agriculture and Rural Development Banks’

Federation Ltd. (NAFCARD) and National Federation of Urban Cooperative Banks and

Credit Societies Ltd. (NAFCUB), (6) Indian Farmers Fertilizer Cooperative Ltd.(IFFCO),

(7) Krishak Bharati Cooperative Limited (KRIBHCO), (8) National Cooperative

Development Corporation (NCDC), (9) Ministry of Agriculture and Cooperation, GoI,

(10) Centre for Monitoring Indian Economy (CMIE), (11) Indian Banks Association

(IBA), (12) Ministry of Statistics and Programme Implementation (MOSPI), (13) National

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Sample Survey Organisation (NSSO), (14) Central Statistical Organisation (CSO), (15)

National Statistical Commission (NSC), (16) Economic and Political Weekly Research

Foundation (EPWRF) and (17) other National and State level research institutions.

Agencies involved in data collection, compilation, analysis and publication of data

exclusively on Indian rural cooperative credit delivery system and cooperative banking

are (i) NAFSCOB, (ii) National Level Sectoral Federations viz., NAFCARD and

NAFCUB (iii) NCUI, (iv) NABARD, (v) RBI. The list of publications of some of the

above agencies are presented in Annexure-I.

VI) Collection, Compilation, Analysis and Dissemination of data:

Different organizations collect data from various sources viz., primary data,

secondary data, surveys, sample surveys, by post, by canvassing questionnaire/format to

respondents etc. depending upon the purpose. The present paper identifies the methods of

data collection and maintenance of data base adopted by RBI, NABARD, NCUI and

NAFSCOB. Each of these organisations employs different method of data collection.

After collection of data, the next step is to compile them according to different

parameters. Other important aspects of Data base are analysis of data, status, trend,

findings and finally dissemination of data.

i) RBI:

RBI has a long and rich practice of compilation, analysis and dissemination of

data and information. It is the pioneer in compilation and analysis of data related to

Indian Economy, which includes monetary and banking, and provides comprehensive

picture by analyzing these data. RBI brings annual, half yearly, quarterly publications in

which a detail analysis of data on financial sector is presented. RBI also took lead and

paved the way in disseminating data and information through different methods viz., hard

copy publications, uploading data in its data base maintained in website (www.rbi.org.in).

The RBI disseminates information, data analysis and views about credit cooperatives

including ST credit, LT credit and UCBs. As explained earlier, the main channels of

dissemination are publications-periodical, press releases, Governor’s bi-annual

announcements of monetary and credit policies, speeches, reports, circulars and manuals

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etc. Besides the paper based channels, the RBI’s website is also being utilized for

disseminating information in electronic form since August 19961.

The RBI utilises data generated by NABARD and NAFSCOB for data of SCBs,

DCCBs and PACS in India. RBI also refers the data maintained at the level of sectoral

federations to analyse identified data parameters. Apart from these sources, the RBI

depends upon the data generation through survey reports, committee reports, and

evaluation reports of its own and conducted from Government of India/ state

governments etc. RBI publishes the data on selected parameters.

ii) NABARD

NABARD being an apex level agency has different roles to perform towards

development of credit cooperatives in India. All credit cooperatives have to send their

financial progress report to NABARD. It uses these data in bringing its publications

related to agricultural credit cooperatives. It also collects data of SCBs, DCCBs and

PACS on regular intervals through structured questionnaires.

On the other hand, NABARD mainly depends on paper based channels for

compilation, analysis and dissemination of data and information in the form of Annual

Reports, Cooperative Credit Structure: An overview of ST and LT, since 2001-2002.

However, NABARD is to yet maintain time series data of credit cooperatives in its

electronic form (www.nabard.org). But NABARD fall behind in compilation, analysis

and dissemination of data related to credit cooperatives as compared to RBI. The time

series data of credit cooperatives (SCBs, DCCBs and PACS) for a decade is yet to be

made available in a single publication at NABARD level.

iii) NCUI:

NCUI as the apex union of cooperatives in India, brings annual publication of

Indian Cooperative Movement – A Profile. It covers data of all types of cooperatives in

India, NCUI collects data and information time to time from its members. It established

National Cooperative Data Bank (NCDB) exclusively for bringing the publications

related to cooperatives in India. NCDB presents sectoral trends through data analysis of

1 www.rbi.org.in

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cooperatives and try to sensitise the policy makers and planners in India2. NCUI also

draws a significant quantum of data generated by NAFSCOB on credit cooperatives

under ST cooperative credit structure.

iv) NAFSCOB:

NAFSCOB collects, compiles and disseminates data by publication of

performance of short term (ST) cooperative credit and banking in India. It has established

Computer Services Division (CSD) for looking after the needs of data collection and

publications. It collects information of State Cooperative Banks (SCBs), District Central

Cooperative Banks (DCCBs) and Primary Agricultural Credit Societies (PACS) through

well designed format of parameters directly from them and from the offices of Registrar

of Cooperative Societies.

At grass root level, PACS maintains data base of credit disbursed to farmers and

rural artisans. PACS report these data to respective branches of DCCB in their area,

further these branches forward data of PACS to head office of DCCB. Major parameters

of data base are quantum of credit provided to agriculture and priority sector, sources of

funds including deposit base and share capital. At state level, SCBs maintain data base of

credit cooperatives and also submit them to the State Level Bankers Committee (SLBC),

further, SLBC submit state level information to department of finance, Government of

India etc.

NAFSCOB has adopted both paper and electronic media channels for

dissemination of data related to ST credit cooperatives. After receiving data from

member banks, DCCBs and PACS through filled in formats, personnel in CSD compile

the same in software designed for the purpose in computer. Compilation of data is made

by parameter-wise and state-wise in the case of Basic Data on Performance of SCBs, on

the other hand, Basic Data on Performance of DCCBs are presented by parameter-wise

and state-wise and DCCB-wise. In the case of PACS, data are presented by parameter-

wise and State-wise. Region-wise (viz., Central, Eastern, North-Eastern, Northern,

Southern and Western) data are disseminated in all above mentioned three types of

publications. Besides this, a decadal performance with major parameters is also presented

2 www.ncui.net

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in the publications. The data dissemination in paper channel was started long back, but

the method of data dissemination in channel of electronic media started during 2002-

2003.

VII) Present Status of Data Base in Cooperative Credit System:

Data base of NAFSCOB is one of major sources of data for credit cooperatives

(ST) in India. RBI and NABARD depend on NAFSCOB data for their annual

publications viz., Trends and Progress of Banking in India and Structure of Credit

Cooperatives – An Overview respectively. Task Force on Revival of Rural Cooperative

Credit Institutions by Prof. A. Vaidyanathan heavily depended on data available at the

level of NAFSCOB.

Presently data pertaining to ST seasonal agricultural operations are collected on

weekly basis. Data of disbursement and recovery of investment credit and other types of

credits are collected and disseminated on monthly basis. Returns to NABARD/RBI are

on quarterly/half yearly or on annual basis. However, audited accounts are prepared on

financial year basis.

SCBs and DCCBs use data analysis techniques in their annual reports. The techniques

used in data analysis are (i) Percentage variation in actual achievement and target, (ii)

Performance as compared to previous years, (iii) Graphics viz., Bar Charts, Pie-diagrams

etc.

VIII) Utilisation of Data:

The requirement of the data base management system is apparent in policy

formulation of a firm. Data are used by all types of departments, organizations,

institutions, NGOs, researchers etc. At government level, data are useful in preparation of

five year plans, agriculture credit policy, budget, financial allocation to different sectors

for socio-economic development.

Most of the data available in the area of credit cooperatives are user friendly. The

RBI3 provides ready access to a large data base on variety of subjects and pre-formatted

reports based on these data for meeting routine requirements of in-house users. It is also

3 www.rbi.org.in

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intended to enable users to explore the data base to answer a very wide range of questions

of fact and interpretation beyond the preformatted reports. Users ask for a facility by

which the system not only provides data but also allows basic statistical data analysis

(calculation of growth rates, trends, correlation, etc.) preparation and formatting of charts

in single unified environment. At national level, policy makers utilize the available data

of cooperative credit institutions in preparation of credit policy.

IX) Method of Collection of Data and Reliability of data:

In many cases the available data goes in for repeated changes/updations from

estimates to provisional and to actual. In some cases, sometimes certain errors sneak in

due to human error and it may not be possible to cross-check all the data elements.

Human errors mostly occur at the time of data entry in a prescribed format. For example,

NAFSCOB use to send formats by post/courier to its members (SCBs and DCCBs) with

request to send back duly filled in these formats to NAFSCOB with all required data and

information. After several reminders they send formats back with filled in data and

information. But it is very difficult to judge the reliability of the data and cross check the

same. In the case of data related to PACS, the NAFSCOB entirely depend on

SCBs/DCCBs and offices of Registrar of Cooperative societies. There is no mechanism

to check the reliability of data. Some time data of PACS received from registrar of

cooperative societies and data received from SCBs/DCCBs differ. In most cases exact

sources are not indicated. It is observed that in many cases data are taken as published by

the source agency or as reported by it to Central Data base Management System

(CDBMS) in RBI. There are revisions in estimates as well as changes in scope and

classifications, which are not always promptly reported to CDBMS. This gives rise to

apparent inconsistencies between data in the CDBMS and other sources. Reliability of

data is more difficult in the case where secondary sources are used.

X) Problems in Data Base of Cooperative Credit System:

Apart from the reliability/quality of data, there are other problems such as data

gaps, absence of timely availability of latest data, data errors and duplication leading to

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conflicting statistics and inordinate delays in transmission and publication of data. Data

gaps exist with credit cooperatives also.

There is a need for NABARD and other major agencies to improve the quality

and timeliness of data relating to co-operative credit system and also to initiate surveys

on PACS. The major problems existed in data base of cooperative credit banks are as

follow:

i) Errors in data collection, compilation, analysis and dissemination:

Absent of computerization, Common Accounting System (CAS) etc. and relying

exclusively on manual operations may result in a number of problems/problem areas.

ii) Non-Similarity:

A large number of tabulated information flows from PACS to DCCBs and the

Registrar’s office which in turn is passed on to NABARD. It is observed that on most

occasions the information on the same aspects received from two or more agencies

differs significantly.

iii) Lack of good monitoring system:

Due to lack of good data base at branch/PACS level, there is no proper

monitoring system for recovery of agricultural loans disbursed to their members.

iv) Lack of customer service:

Apart from the agricultural credit operations, other banking operations and its

management are also an essential part of the cooperative banking structure. Due to lack

of data base, there is no improvement in customer service and house keeping at the

branch of DCCBs.

v) Delay and inconsistency in reporting

vi) Difficulty in retrieval of historical data for analysis

vii) Duplication:

There is problem of duplication due to multiplicity of agencies collecting and

documenting information on cooperatives. There are both state-level and national level

agencies involved in the process. A major problem is that there is no coordination

between the different agencies, and hence, there often occurs inconsistencies in the data

published by them. Therefore, it is suggested that an effective and viable coordinating

mechanism needs to be worked out among the various agencies.

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The mismatch in the data could be attributed to the data gaps as a result of not capturing

the data from the source of origin. The data gaps of credit cooperatives create problems in

audit, inefficiency in the income recognition and provisioning and therefore, the

accounting data, which is forwarded to the higher tier also unreliable.

XI) Data gaps in Data Base of Cooperative Credit System:

An attempt has been made to identify the data gaps of cooperative credit system

in the data base maintained by apex level government organizations, union and

federations viz., NAFSCOB, NCUI NABARD and RBI, (Table-1). In order to identify

the data gaps, an exercise has been made by listing of all parameters covered in

publications viz., (i) Statistical Tables Relating to Banks in India, (ii) Report on Trend

and Progress of Banking in India, (iii) Cooperative Credit Structure: An Overview, (iv)

Indian Cooperative Movement: A Profile and (v) Basic Data on Performance of

SCBs/DCCBs/PACS etc. and the same has been presented in Annexure - II. The

parameters which are not covered by aforesaid four agencies are depicted in Annexure-

III.

A quick perusal of the analysis indicated that NAFSCOB as compared, among

four apex level organizations has been covering maximum number of parameters in

collecting bank-wise/district-wise data. On the other hand, NCUI has a special cell of

National Resource Centre (NRC) for maintaining of data base of cooperatives in India.

But the data covered about credit cooperatives are very limited as it does not provide

state-wise data of SCBs/DCCBs/PACS. In the case of NABARD a similar scenario of

data base of credit cooperatives are observed as it does not give the data of state-wise and

bank-wise. RBI is the apex bank and covered minimum data of credit cooperatives in

India. RBI, mainly covered data of balance sheet of SCBs/DCCBs and profile of PACS in

India in its publications.

While the area-wise data gaps as identified are depicted in Table-1, they may be

summerised as i) data on trained employees, ii) educational qualification-wise number of

employees, iii) governance (management) of cooperatives/details of BoDs (Board of

Directors), iv) details of license of SCBs/DCCBs, v) number of SCBs/DCCBs

complianced with prudential norms, vi) productivity/financial ratios, vii) details of

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CRR/SLR, viii) Non-Performing Assets (NPAs), ix) details about Core Banking Solution

(CBS), x) network of ATMs, xi) number of families covered under financial inclusion,

xii) data of inter-bank cheque clearances, xiii) no updated information, xiv) lack of

comparable data at par with Commercial Banks, xv) no census of PACS, xvi) lack of data

on transactions through retail electronic payment methods.

Table-1: List of Data Gaps observed in Data Base of Cooperative

Credit System in India

Sl.

No.

Name of Parameters not included in Data Base of Credit Cooperatives

I Financial Parameters:

A) Income data

i) Interest receivable on investments

ii) Interest receivable on loans and advances

iii) Discount

iv) Commission exchange and brokerage

v) Subsidies and donations

vi) Other receipts

B) Expenditure data

i) Interest paid on deposit

ii) Interest paid on borrowings

iii) Other expenditures

C) Others

i) Types of loans and their respective interest rates/Prime Lending Rate (PLR).

ii) Cost of fund on:

a) Borrowings.

b) Deposits.

iii) Parameters considered in calculation of ‘Transaction cost’.

iv) Rate of interest on Saving Bank Rate/Deposit rate

II

Training:

A) No. of trained employees.

i) Total no. of Officers trained.

ii) Total no. of Clerks trained.

iii) Total no. of other staff trained.

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Sl.

No.


B) Types of training.

a) Business development

b) Branch Management

c) Agriculture, retail lending

d) SHG & non-farm sector

e) Basic Computer skills

f) Software based training

g) Network management

h) Personality development

i) MDP

j) Attitude development

k) Leadership & motivation

l) Profit planning

m) NPA management

n) ALM

o) Investment management

p) Inspection

q) House keeping

r) Accounting procedures

s) Others

C) Budget for training

D) Actual amount spent on training

E) Frequency of training

III Management of Cooperatives:

i) Elected Boards.

ii) Education-wise classification of members of BoDs.

iii) Gender-wise classification of members of BoDs.

iv) Caste-wise classification of members of BoDs.

v) No. of trained members of BoDs.

IV Technical development:

i) No. of branches under core banking solution.

ii) Details of ATMs.

a) No. of on-site ATMs.

b) No. of off-site ATMs.

iii) Details of transaction through Retail Electronic Payment Methods.

a) Volume of transactions.

b) Value of transactions.

V Others:

i) No. of SCBs/DCCBs having license.

ii) No. of SCBs/DCCBs complying with Prudential Norms.

iii) Details of CRR/SLR maintained by SCBs.

iv) Details of Financial Inclusion.

a) No. of no-frills accounts opened.

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Sl.

No.


VI PACS level data/information

i) Survey of PACS

ii) Assessment of credit requirement

iii) PACS’s profile (detail with assets and liabilities)

iv) Member profile

a) General

b) Borrower

v) Season-wise disbursement

vi) Category-wise/village-wise list of default members

vi) Availability of Net Credit Limit (NCL) statement

vii) Profitability analysis

VII Status of AIMAS

i) Types and no. of banks participating

ii) Volume of transactions.

iii) Value of transactions.

XII) Suggestions:

There is an urgent need to strengthen data dissemination practices of the

NABARD. There is also a need to consolidate the process of compiling data of PACS

and this should be done by a professional statistical organisation. In this regard it is

proposed to suggest measures to overcome the problems and bridge the data gap of data

base relating to cooperative credit system and same are given as below:

1) Establishment of national level agency:

Appropriate steps may be initiated to establish a single agency at the national

level to ensure collection and compilation and maintenance of data base on Indian

cooperative credit institutions.

2) Support to apex level agencies:

Apex level agencies such as RBI, NABARD, NAFSCOB, NCUI and other

sectoral federations have been doing fairly good job in addressing the issue of

maintenance of data base. Therefore, they should be encouraged to continue to work in

the direction of maintenance of data base on the Indian cooperative credit system.

3) Cross-checking mechanism:

Office of Registrar of Cooperative Societies should take steps in cross checking of

data base at levels of SCBs, DCCBs and PACS.

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4) Standardised format:

Developing standardized, uniform and comprehensive formats, preferably in local

languages is required in collection of data/information to reduce incidences of

duplication, error in data furnishing, multiplicity of data collection and for bridging data

gap etc.

5) Computerisation:

Process of computerization at the level of PACS, particularly under the revised

revival package, needs to be implemented in all its seriousness, equip the PACS with

adequate trained personnel to develop and implement core data base as well as collect

and compile data/information as per the prescribed format by the higher tier/agencies. To

remove problems and achieve desired results in maintaining data base in rural credit

cooperative system, it is necessary to computerize whole rural cooperative credit system.

Benefits of computerization are portrayed as below:

a) Computerisation will improve the monitoring system for agriculture credit. A data

base containing detailed information of PACS operations vis-à-vis members will

enable better monitoring, help to expedite recovery and show improved

performance.

b) It will assist the staff of rural cooperative credit system in compilation of

statistical information required by statutory authorities.

c) Computerisation will help in capturing the basic information once and

transmitting the same to various agencies, thereby eliminating duplicate efforts

and improving the reliability of information.

d) Computerisation will help rural cooperative credit system to capture the basic

member-wise data, process and generate reports for all levels and agencies and

store the data over a period of time for analysis.

e) Apart from the agricultural credit operations, other banking operations and its

management are also an essential part of the cooperative banking structure.

Computerisation of the branch functions will help to improve customer service

and house-keeping at the branch.

17

6) Adoption of CAS and MIS:

Adoption of Common Accounting System (CAS) and Management Information

System (MIS) will be greater support in ensuring standardization of data requirements.

7) Coordination of data base at NAFSCOB level:

NAFSCOB proved its excellent potentiality in maintaining comprehensive data

base of SCBs, DCCBs, and PACS. Therefore, this responsibility needs to be entirely

handled by the three/two tiers of the ST credit structure at the state level and coordinated

by NAFSCOB at national level. It should be appropriately supported by central

government, RBI and NABARD in the form of infrastructure and finance to help to build

data base on the rural cooperative credit system on all required parameters to bridge the

data gap.

8) Need for improvement in efficiency:

Each of the sectoral federations responsible for data collection, compilation,

analysis and dissemination of the data, will have to develop a mechanism to ensure

efficiency level of data entry/feeding to the system. National level agencies namely RBI,

NABARD, NAFSCOB and NCUI need to coordinate their efforts collectively to ensure

authenticity, accuracy, accountability to prevent duplication of data collection, loss of

time and also to ensure easy, smooth and regular flow of data information.

9) Assessment of credit needs of the farmers:

None of the national level agencies have ever undertaken an exercise to assess the

credit needs of the farmers, certainly a major data gap. In view of the emerging

importance accorded to farmers towards development of agriculture, there is a need for

undertaking an in-depth study on “Assessment of Credit Needs of the Farmers”.

Therefore, an independent agency may be engaged to conduct the study on this aspect

once in five years.

10) Census of Indian cooperative credit system:

Similarly, as has been done in the case of small scale industries, handlooms, power

looms and population census etc., a separate mechanism may be developed to conduct

survey of the entire Indian cooperative credit system. This work may be entrusted to one

of the reputed organizations.

18

11) NABARD and data base:

NABARD in consultation with national level federations including NAFSCOB

may initiate all necessary steps in ensuring maintenance of data base and their

appropriate dissemination. Further NABARD may take initiative to organize a one day

consultation in order to discuss recommendations of various committees and to

appreciate the methods adopted by different agencies in collection, compilation, analysis

and dissemination of data to standardize formats for data collection.

12) Appropriate methodology:

The recommendations made by National Statistical Commission and also the

recommendations made by the High Level Committee on Estimation of Savings and

Investments under the Chairmanship of Dr. C. Rangarajan, such as measures to improve

the present system of collection of data, timely availability of publication on Statistical

Statement Relating to the Cooperative Movement in India, bridge the time gap in

bringing out the publication and other important recommendations may be given wider

publicity. Further, it is worth to peruse the existing procedures adopted by the agencies

such as RBI, NABARD, NAFSCOB etc. in collecting the data of cooperative credit

institutions.

XIII) Conclusion:

An attempt has been made in this paper to discuss the status of data base in

cooperative credit system in India. The highlights of recommendations of a number of

committees on data base, the status of data gaps and suggestions to bridge these gaps are

also presented in the paper. Sincere efforts to strengthen the data base of rural

cooperative credit system may be made. The problems like duplication of data, lack of

computerization, time gap in publication of data base and data gap etc. need to be

addressed for improving the efficiency of data base system of rural cooperative credit

system. Mechanism to maintain regular availability of data, standardization of formats,

and ensure reliability of data may have to be developed. Finally, efforts to set-up national

level agency for maintaining data base of rural cooperative credit system may be made.

Alternatively, NAFSCOB may be assisted to address issues involved in data base of

cooperative credit system.

19

Reference:

1) www.nafscob.org

2) http://searchsqlserver.techtarget.com/sDefinition/0,,sid87_gci211895,00.html

3) http://www.tech-faq.com/database.shtml#

4) http://mospi.gov.in/nsc_background.htm

5) http://mospi.gov.in/mospi_about_cso.htm

6) http://mospi.gov.in/nsso_4aug2008/web/nsso.htm

7) http://mospi.gov.in/mospi_citizen_charter.htm

8) http://www.domain-b.com/economy/general/20090318_rangarajan_panel.html#

9) Report of the High Level Committee on Estimation of Savings and Investment

(March 2009) - Dr. C. Rangarajan.

10) Report of the Expert Group on Investment Credit (June 2005)- YSP Thorat.

11) Expert Group on Internet Deployment of Central Data base Management System

(September, 2004)- A. Vaidyanathan.

12) Report of the Expert Group on Agricultural Indebtedness (July 2007)- R.

Radhakrishna.

13) Report of the Technical Group on Statistics for International Trade in Banking

Services (March, 2007) – Dr. KSR Rao.

14) Report of Committee on Financial Sector Assessment (CFSA-2009)- Rakesh

Mohan.

15) Report of Advisory Group on Data Dissemination in Indian Financial Sector

(December, 1999) – Dr. Y.V.Reddy.

16) Report on the conditions of work and promotion of Livelihood in the

Unorganisaed Sector (2004)- Arjun Sengupta.

17) “Feasibility Study for Computerisation in Short Term Cooperative Credit

Institutions”, NAFSCOB.

20

Illustrative Chart-I:

Institutional Arrangement for Agriculture & Rural Credit

(as on 31.03.2009)

RBI /GOI

NABARD

COOP Banks

RRBs (86) Commercial Banks(170)

Short Term Long Term

SCBs (31) Brs (986)

DCCBs (372) Brs (13151)

PACS (Apprx. 93634)

SCARDBs (20)

Branches (868) PCARDBs (697)

Metropolitan Brs (15013)

Urban Brs (16614)

Semi Ur Brs (19082)

Rural Brs (31699)

Metropolitan Brs (91)

Urban Brs (671)

Semi Ur Brs

(2750)

Rural Brs (11632)

(Coop. Outlets 1,09,759) Depositors &

Borrowers (CBs & RRBs Outlets 97808)

21

Illustrative Chart- II:

22

Annexure - I: List of publications

A) RBI

The contribution of RBI, in bringing out the publications, covering financial

sector data, is immense. Some of the most relevant documents covering data on

cooperative credit system are as follow:

1.

2.

Trend and Progress of Banking in India.

A Profile of Banks.

3.Handbook of Statistics on Indian Economy.

4.

5.

Statistical Tables Relating to Banks in India.

Monetary and Credit Policy Documents.

B) NABARD

1.Statistical Statements Relating to the Cooperative Movement in India Part – I Credit

Societies (1982-83 to 1993-94) combined publication for SCBs, DCCBs, PACS and

LDBs with 592 pages.

2.Statistical Statements Relating to the Cooperative Movement in India Part – II Non

Credit Societies (1982-83 to 1993-94) combined publication for SCBs, DCCBs,

PACS and LDBs with 852 pages.

3.Important Items of Data of Credit and Non Credit Cooperative Societies 1983-84 to

1992-932 with 81 pages.

4.Dossier on Cooperatives – State Wise Status of the Cooperative Credit Structure ( ST

& LT) March 1996 to 2000-01

5.Cooperative Credit Structure: An Overview for Short Term and Long Term from

2001-02 to 2005-06

6.Quarterly Bulletin of Statistical Information, Issue No 5 (April - June 2008)

7.Quarterly Bulletin of Statistical Information, Issue No. 6 July - September 2008

8.Quarterly Bulletin Of Statistical Information, Issue No.3 September –December 2007

9.Quarterly Bulletin Of Statistical Information, Issue No.4 January –March 2008

C) NCUI

1.Analytical Study of Primary Agricultural Cooperative Societies in India

(1960-61 to 2000-2001) ( Third Edition ).

2.State-wise Analysis of State CBs & DCCBs.

3.State-wise Analysis of State Cooperative Land/Agricultural Development

Banks & Primary Cooperative Agricultural & Rural Development Banks.

4. Indian Cooperative Movement -A profile.

23

D) NAFSCOB:

1.Basic Data on Performance of State Cooperative Banks (SCBs) from 1976-77 to

2007-08 with 121 parameters as on 31st March and as on 30

th June with 42

parameters.

2.Basic Data on Performance of District Central Cooperative Banks (1981-82 to 2007-

08) with 121 parameters as on 31st March.

3.Basic Data on Performance of Primary Agricultural Credit Societies (1993-94 to

2007-08) with 119 parameters as on 31st March.

4.Review of Disbursement of Short Term Agricultural Loans for Rabi & Kharif Crops

Month Wise / State Wise data with 7 parameters from 1994-95 to 2008-09.

5.Status of Computerisation at SCBs and DCCBs level from 1999-2000 to 2007-08.

E) State Level – SCBs/RCS :

A number of SCBs bring out their own publications incorporating the data on ST

cooperative credit institutions periodically. Gujarat SCB regularly brings annual

publication of “Statistical data of SCB, DCCBs and PACS in Gujarat state”. Maharashtra

SCB for the first time brought out “Statistical information relating to DCCBs in

Maharashtra, bank-wise as well as region-wise from 1990-91 to 2007-08”. Registrars of

Cooperative Societies in all states are included in collection of data from PACS.

24

Annexure-II: Parameters of Credit Cooperatives Covered in Data Base Maintained by Important National

level Organisations NAFSCOB NCUI NABARD RBI

A) STATE COOPERATIVE BANKS

Name of Publication: Basic Data

on Performance of State

Cooperative Banks

Name of Publication: Indian

Cooperative Movement: A

Profile

Name of Publication: “Cooperative

Credit Structure: An Overview”.

Name of Publication: (i) Statistical

Tables Relating to Banks in India, (ii)

Report on Trend and Progress of

Banking in India. 1) Financial Review.

2) Managerial Review.

3) Productivity Review. 1) Region-wise distribution of offices of

SCBs and DCCBs.

2) State-wise distribution of number of

branches of SCBs and DCCBs.

3) State-wise distribution of liabilities

and assets of SCBs.

1) SCBs at a glance (for a decade).

2) SCBs at a glance (Region-wise).

i) Number of Offices,

ii) Membership,

iii) Paid up Share Capital,

iv) Reserve and other Funds,

v) Deposits - Source-wise & type

wise,

vi) Borrowings - from RBI

/NABARD/Govt/Commercial

Banks,

vii) Working Capital , Cash and

Balances with Banks,

viii) Investments,

ix) Loans Issued-purpose-wise-

Short Term (Agricultural &

Non-Agricultural),

x) Loans Issued – purpose-wise-

Medium Term (Agricultural &

Non-Agricultural),

xi) Loans Outstandings- purpose-

wise Short Term ( Agricultural

& Non-Agricultural),

xii) Loans Outstandings- purpose-

wise Medium Term

(Agricultural & Non-

Agricultural),

i) No. of Banks,

ii) No. of Branches,

iii) Total Membership,

a) of which cooperatives,

iv) Total share capital,

a) of which Govt’s share,

v) Borrowings,

a) From NABARD,

vi) Reserves,

vii) Deposits,

a) of which from cooperatives,

viii) Working capital,

ix) Loans Advanced,

a) of which ST (agri),

b) of which MT (agri),

c) of which ST (non-agri),

d) of which MT(non-agri.),

e) othesr including LT,

x) Percentage of overdues to

demand,

xi) Branches in profit/loss,

xii) Cost of Management,

xiii) No. of employees,

1) Financial Review: i) Structure, spread and growth of SCBs,

ii) Share capital & support from State

Governments,

iii) Resources (Own funds, Deposits and

Borrowings),

iv) Credit Outreach,

v) Recovery Performance,

vi) Costs and Margins,

vii) Non Performing Assets (NPAs),

viii) Accumulated Losses,

2) Managerial Review: i) Management of Cooperatives (Elected

boards under Supersession),

ii) Audit Classification,

3) Productivity Review: i) Per Staff Deposits,

ii) Per Staff Avances,

iii) Per Staff Collection,

iv) Per Staff NPAs,

v) Per Branch Deposits,

vi) Per Branch Advances,

vii) Per Branch Collection,

viii) Per Branch NPAs.

4) No. of SCBs Comply with Section 11

(1) of B.R. Act., 1949.

A) Liability i) Capital,

ii) Reserves,

iii) Deposits,

iv) Borrowings,

v) Others.

B) Assets i) Cash in hand &

balances with

banks,

ii) Investments,

iii) Loans &

advances,

iv) Other assests,

v) Accumulated

losses.

25

NAFSCOB NCUI NABARD RBI

xiii) Demand (ST-MT/Agri./Non-

agri.),

xiv) Collection,

xv) Balance (Overdues),

xvi) Percentage of Overdues to

Demand,

xvii) Cost of Management &

Number of Employees,

xviii) Profit & Loss, Dividend

declared, Number of branches

in Profit/Loss and Audit

Classification,

xix) Details of Kisaan Credit

Cards,

xx) Total Business, Yeild on

Employees, Cost of Funds,

Cost of Deposits and Non-

Performing Assets.

4) Income, Expenditure and Profit/Loss.

5) Asset Quality Classification.

6) NPAs to Loans Ratio.

26


B) DISTRICT CENTRAL COOPERATIVE BANKS

1) District Central Cooperative

Banks at a Glance (For a

decade).

2) State-wise and DCCB-wise

parameters:

i) No. of Banks,

ii) No. of Bffices,

iii)Total Membership,

a)of which cooperatives,

iv)Total share capital,

a)of which Govt’s share,

v) Total Deposits,

a) of which cooperatives,

vi) Borrowings,

a) from Govt,

b) from commercial banks,

c) from SCBs (NABARD),

vii) Reserves,

viii) Working capital,

ix) Loans Advanced,

a)of which ST,

b)of which MT,

c)of which LT,

x) Demand,

xi) Percentage of Overdues to

demand,

xii) Branches in Profit/Loss,

xiii) Cost of Management,

xiv) No. of employees,

1) Financial Review.

2) Managerial Review.

3) Productivity Review.

1) Financial Review:

i) Structure, spread and growth of SCBs,

ii) Share capital & support from State

Governments,

iii) Resources (Own funds, Deposits and

Borrowings),

iv) Credit Outreach,

v) Recovery Performance,

vi) Costs and Margins,

vii) Non Performing Assets (NPAs),

viii) Accumulated losses,

2) Managerial Review: i) Management of Cooperatives (Elected

boards under Supersession),

ii) Audit Classification,

3) Productivity Review:

i) Per Staff Deposits,

ii) Per Staff Avances,


iv) Per Staff NPAs,




viii) Per Branch NPAs,

1) State-wise distribution of liabilities

and assets of DCCBs.

Same parameters as given in case of

SCBs.

2) Region-wise Income, Expenditure

and Profit/Loss of DCCBs.

3) Asset Quality Classification

4) NPAs to Lloans Ratio.

27


i) Number of Offices and Membership,

ii)Paid up Share Capital,

iii)Reserve and other Funds,

iv)Deposits - Source-wise & type wise,

v)Borrowings - from RBI / NABARD

/Govt/Commercial banks,

vi)Working Capital , Cash and Balances with

Banks,

vii)Investments,

viii)Loans Issued-purpose-wise- Short Term

(Agricultural & Non-Agricultural)

ix)Loans Issued – purpose-wise- Medium

Term (Agricultural & Non-Agricultural)

xx)Loans Outstandings- purpose-wise Short

Term ( Agricultural & Non-Agricultural)

xi)Loans Outstandings- purpose-wise

Medium Term (Agricultural & Non-

Agricultural )

xii)Demand (ST-MT/Agri./Non-agri.)

xiii)Collection

xiv)Balance (Overdues)

xv)Percentage of Overdues to Demand

xvi)Cost of Management & Number of

Employees,

xvii)Profit & Loss, Dividend declared,

Number of branches in Profit/Loss and Audit

Classification.

28


PRIMARY AGRICULTURAL COOPERATIVE SOCIETIES (PACS)

a. Details of PACS (a decade).

b. Details of PACS (region-

wise).

c. State-wise, type-wise details

of PACS.

i) Total no. of PACS,

ii) Villages covered by PACS,

iii) Rural households covered by Coops,

iv) Per cent of viable PACS,

v) Per cent of potentially viable,

vi) Total membership,

vii) Membership per PACS,

viii) Total Share Capital,

ix) Share Capital per PACS,

x) Total Deposits,

xi) Total Reserves,

xii) Reserves per PACS,

xiii) Total Loans Advanced,

xiv) Loans Advanced for Agri,

xv) Loans Advanced for Non-Agri,

xvi) Loans Advanced per PACS,

xvii) Total Working capital,

xviii) Total Demand,

xix) Total Overdues,

xx) Per cent of Overdues to Demand,

xxi) PACS with own Godowns,

xxii) PACS with full time Secretary,

xxiii) PACS in Profit,

xxiv) PACS in Loss,

xxv) Employment in PACS,

xxvi) Per cent of Trained Employees.

i) Numbers,

ii) Membership,

iii) Borrowing Membership,

iv) Coverage of villages by PACS,

v) Share Capital,

vi) State-wise average Deposits per

PACS,

vii) Own Funds,

viii) Borrowings,

ix) Loans Outstanding,

x) Loans issued,

xi) Viability of PACS.

1) No. of Societies.

2) Membership.

(a) SC, (b) ST.

3) Liability & Asset.

1) Liabilities: 2) Assets:

i) Total Resources,

ii) Owned Funds,

iii) Deposits,

iv) Borrowings,

v)Working Capital.

i) Total Loans

Issued,

ii) Total Loans

Outstanding.

i) Details of Membership of

Primary Agricultural Credit

Societies,

ii) Details of Paid up Capital,

Total Reserves, Total Deposits,

Total Borrowings and Working

Capital,

4) Overdues: i) Total Demand,

ii) Total Collection,

iii) Total Balance,

iv) Percentage of Overdues to total

Demand.

29


iii) Details of Number of Borrowers and its Category Wise details,

iv) Details of Total Loans Issued of which Short Term Loans Issued (Category

Wise),

v) Details of Total Loans Issued of which Medium Term Loans Issued

(Category Wise),

vi) Details of Total Loans Outstandings of which Short Term Loans

Outstandings (Category Wise),

vii) Details of Total Loans Outstandings of which Medium Term Loans Outst -

andings (Category Wise),

viii)Details of Total Demand of which Short Term (Category Wise),

ix)Details of Total Demand of which Medium Term (Category Wise),

x) Details of Total Collection of which Short Term (Category Wise),

xi) Details of Total Collection of which Medium Term (Category- Wise),

xii) Details of Total Overdues of which Short Term (Category Wise),

xiii) Details of Total Overdues of which Medium Term (Category Wise),

xiv) Details of Percentage of Overdues to Demand for Total and Short Term

(Category- Wise),

xv) Details of Percentage of Overdues to Demand for Total and Medium Term

(Category- Wise),

xvi) Details of Purpose Wise Loans Issued and Loans Outstanding,

xvii) Details of Purpose Wise Demand and Collection,

xviii) Details of Purpose Wise Balances (Overdues) and percentage of

Overdues,

xix) Details of Societies in Profit & Loss, Number of Societies having their own

Godowns with its Capacity and Number of Villages covered by the

Societies,

xx) Details of Staffing Pattern of Societies,

xxi) Details of Total Cultivated, Uncultivated Lands and Total Population.

5) Region-wise select

indicators of PACS: i) No. of PACS,

ii) No. of Villages covered,

iii) Average Deposits,

iv) Working Capital,

v) Societies in Profit,

vi) Societies in Loss.

30

Annexure: III Gaps Observed in Data Base of Credit Cooperatives in India


I) Training:

A) No. of trained employees:

i) Total no. of Officers trained,

ii) Total no. of Clerks trained,

iii) Total no. of other staff

trained.

B) Types of training.

Database of NCUI does not

cover below mentioned data on

credit cooperatives:

I) Training:

A) No. of trained Employees:




trained,

B) Types of training:

I) Training:

A) No. of trained Employees:




trained.

B) Types of training. i) Demand, Collection &

Balance,

II) Management of

Cooperatives:

i) Elected Boards.

ii) Details of Kisaan Credit

Cards (KCC),

II) No. of SCBs/DCCBs having

license.

II) No. of SCBs/DCCBs having

license.

iii) Total Business, Yeild on

employees, Cost of Funds, Cost

of NPAs,

III) Details of CRR, SLR

maintained by SCBs.

III) Details of CRR maintained

by SCBs. III) Accumulated Losses.

IV) No. of SCBs/DCCBs

having license. IV) Recovery of NPAs. IV) Details of NPAs recovered.

iv) Lack of State-wise data of

SCBs/DCCBs/PACS. V) No. of SCBs/DCCBs

complying with Prudential

Norms.

V) Provision made for NPAs. V) ) No. of branches under core

banking solution.

VI) No. of branches under core

banking solution.

VI) Details of ATMs.

i) No. of on-site ATMs,

ii) No. of off-site ATMs. VII) Details of ATMs.

i) No. of on-site ATMs.

ii) No. of off-site ATMs. VI) No. of SCBs/DCCBs

Complying with Section 11(1)

of B.R. Act.1949.

VII) Details of transaction

through Retail Electronic

Payment Methods.

i) Volume of transactions,

ii) Value of transactions.

VIII) Details of transaction

through Retail Electronic

Payment Methods.



31


VII) Productivity: i) Per Staff Deposits,

ii) Per Staff Advances,


iv) Per Staff NPAs,




viii) Per Branch NPAs.

IX) Status of SHGs linkage. VIII) Status of SHGs linkage.

IX) Details of Financial

Inclusion.

i) No. of no-frills accounts

opened.

X) Lack of state-wise data of

SCBs/DCCBs.

XI) Productivity.

XII) Data of KCC.

XIII) Advances Purpose-wise.

XIV) Purpose-wise Demand,

Recovery and Balance.

X) Details of Financial

Inclusion.

i) No. of no-frills accounts

opened.

XI) Lack of state-wise data of

SCBs/DCCBs/PACS.

VIII) Details of CRR maintained by

SCBs.

IX) Details of SLR maintained by

SCBs/DCCBs.

X) Recovery of NPAs.

XI) Provision made for NPAs.

XII) No. of Branches under Core

Banking Solution.

XIII) Details of ATMs.

i) No. of on-site ATMs,

ii) No. of off-site ATMs.

XIV) Details of transaction through

Retail Electronic Payment Methods.



XV) Status of SHGs linkage

XVI) Details of Financial Inclusion.

i) No. of no-frills accounts opened.