State Level Bankers’ CommitteeHimachal Pradesh

Convenor: UCO BANKSecretariatGENERAL MANAGER & CONVENOR HP SLBCUCO Bank, Himland Hotel Annexe, Shimla 171001

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0177-2623093 01772625061contact@slbchp.com

No.GM/SLBC/2014-15/131 20.5.2014

All the Participants of State Level Bankers CommitteeHimachal Pradesh

Dear Sir,

REG: PROCEEDINGS OF THE 131ST SLBC MEETING OF HIMACHAL PRADESH HELD ON 24.4.2014 AT SHIMLA.

We enclose the proceedings of 131ST SLBC meeting of Himachal Pradesh held on 24.4.2014 at Shimla.

We would request you to initiate action on the points related to your Department/office/Organization immediately and send us the Action Taken Report as early as possible.

With regards,

Yours faithfully,

(U.C.Sharma)Encl: As above Deputy General Manager

Copy to:1. The Chief Secretary, Govt. of HP, HP Secretariat, Shimla2. Sh. Ateesh Singh, IAS, Director,FI, MOF,DFS, New Delhi3. The CMD’s Secretariat, UCO Bank, Head Office, Kolkata4. The EDs Secretariat-1, UCO Bank, Head Office, Kolkata5. The ED’s Secretariat-2, UCO Bank, Head Office, Kolkata6. The General Manager, SLBC, UCO Bank, Head Office, Kolkata7. The General Manager, RBI, RPCD, Shimla8. The Chief General Manager, NABARD, Shimla.

MINUTES OF 131ST SLBC MEETING OF STATE LEVEL BANKER’S COMMITTEE- HIMACHAL PRADESH HELD ON 27.12.2013 AT HOTEL HILDAY HOME, SHIMLA (H.P.) WELCOME AND KEY NOTE ADDRESS DELIVERED BY DR.S.K.NANDI, GENERAL MANAGER & CONVENOR SLBC, HIMACHAL PRADESH: The meeting commenced at 11.00 AM. The list of participants is annexed. Dr. S.K. Nandi, General Manager, UCO Bank & Convenor SLBC HP welcomed Sh. Shrikant Baldi, Principal Secretary to the Govt. of Himachal Pradesh, Sh. I.S.Negi, Regional Director, RBI, Shimla, Sh. S.C.Negi, IAS, Director SOMA, Sh. Priyatu Mandal, IAS, Addl. Director Rural Development , Sh.S.S.Saha, General Manager, NABARD, Sh. Vinay Kumar, General Manager, Punjab National Bank, Sh. Gurnam Singh, General Manager, SBOP and other distinguished guests from Govt. Departments/Banks for attending the 131st HP SLBC meeting.

Dr. Nandi, General Manager, UCO Bank at the outset informed that the meeting was delayed on account of Annual Closing of bank accounts. The Chief Secretary has given his consent to chair the meeting but he has left to New Delhi to attend some urgent meeting.

Dr. Nandi informed that we have to observe code of conduct imposed by Election Commission and restrict our discussions in a way that not to violate the directions and maintain a disciplined atmosphere. Dr. Nandi informed that performance of the banks during the period under review was excellent and Banks have surpassed the quarterly target fixed under Annual Credit Plan (2013-14) by surpassing 115% achievement over the financial targets fixed upto December, 2013.

He said that Priority Sector loans covering Agriculture, MSE and OPS achieved by 98% and disbursed loan amounting to Rs.6728 Crores. The Non Priority Sector Advances occupied a dominant place witnessing excellent achievement of 212% and disbursed a fresh loan worth Rs.2537 Crores against the quarterly target fixed at Rs.1194 Crores.

He further informed that aggregation of district level targets under Annual Credit Plan for the year 2014-15 has been completed to arrive the state credit plan under which a target of Rs.12932 Crores is finalized in line with potential credit estimates worked out by NABARD. The outlays of the current plan has been increased by 12% over the last year targets.

Dr. Nandi requested the LDMs to comply with the instructions given by RBI for reporting the progress data under ACP in the revised MIS formats w.e.f. 1.4.2014. Henceforth, revised MIS data will be reviewed both at district and State level for review of progress achieved by banks from first quarter ending June, 2014.

Dr. Nandi touched the implementation of DBT/DBTL and stressed the banks to link Aadhaar numbers in the bank accounts of all customers deliberation on the DBT has been temporarily been suspended due to election process but this will be in the regular agenda for the SLBC after issue of new directions from DFS.

Dr. Nandi expressed concern on slow pace of progress so far achieved under RBI roadmap for expansion of Banking Services in all unbanked villages. It is also a matter of concern that LDMs after repeated requests could not identify the potential villages for opening of Brick and Mortar type of banking out let as a result Controller of Banks is taking time to take a decision for opening of rural branches/USBs in accordance with the target given in the roadmap.

Dr. Nandi proposed that all of us will deliberate on the issue regarding inclusion of unbanked villages who are getting regular banking services from the rural branch in a radius of 1-5 Kms so as to treat these villages as financially included and banks should not be insisted to appoint BCAs.

Dr. Nandi announced that maiden branch of Bhartiya Mahila Bank, State Bank of Hyderabad and Catholic Syrian Bank (foreign bank) opened in the state.

Dr. Nandi placed before the August House the performance highlights of the quarter ended December, 2013

- The total Deposits of the Banks as of Dec, 2013 has grown by 15.35% over the corresponding period December, 2012 and advances have y-o-y growth of 17.04%. The growth of advances over deposits has taken a reverse trend. In absolute terms, the total business of the banks in the State has a net increase of Rs.12420 Crores as of December, 2013 over December, 2012 and registered y-o-y of 15.84%

- Priority Sector Advances constitute about 72.41% of the total advances denoting the high flow of credit to the preferred sectors in the hilly State. It is a matter of satisfaction that Banks have achieved all the important national parameters set by RBI except DRI advances.

- The CD Ratio (CDR) of Banks in the State has declined to 58.20% as of December, 2013 from the corresponding position of 63.19% as of December, 2012 mainly due to decline of Investments made by banks in State Government Security/Bonds which form a component of credit for calculation of CD Ratio under Thorat Committee.

- Banks penetration in the State is well set up by having branch net work of 1760 branches as of December, 2013 with more than 80% branches are located in rural areas. Banks have added 54 new branches during the quarter ended December, 2013. Based on Census 2011 data the State has per branch population coverage of 3900 which is good indicator of availability of banking services and one of the best averages

in the country. Banking Sector has further strengthened the alternate delivery channels of providing banking services by adding 249 new ATM during the quarter ended December, 2013 and the total numbers of ATMs increased to 1305 as of December, 2013 in the State.

During the period under review Banks in the State have issued 14882 new Kisan Credit Cards (KCCs). I urge my banker friends to intensify distribution of Rupay Credit Card to all KCC holders. Banks have reported the issuance of 64177 numbers of Rupay Credit Card to Farmers in the State.

During the period under review the position of NPA of the Banks in the State has declined to 5.38% of the total advances as of December, 2013 from 5.53% as of Sept, 2013, However, there is need for speedy disposal of pending Certificate recovery Cases of bank by the State designated authority. At this juncture I request the State Government to make provision in the recovery act for lodging of Certificate Cases with Tehsildar/Naib Tehsildar in addition to SDO Civil so that cases filed by banks would get quick disposal.

Dr.Nandi shown his concern regarding the performance of banks under various Govt. sponsored schemes like NRLM, PMEGP and SJSRY was not upto the mark over the allocated targets. The new concept of lending under NRLM requires more sensitization at the branch level and BDOs may assist the Women SHGs about preparation of Micro Credit Plan for getting multiple dozes of bank loan. It is a matter of appreciation that all Coop.Banks in the State has consented to implement NRLM scheme.

Dr. Nandi informed the House that UCO Bank and PNB has finalized their construction agency for construction of RSETI buildings on allocated Government land in 10 districts except District Chamba where the possession of Government land is awaited.

Dr.Nandi informed the House that it is a good opportunity to have an interaction with Hon’ble Governor RBI visiting Shimla in connection with RBI Central Boad of Directors Meeting on 15.5.2014. Last Central Board meeting was held at Shimla in 2007. The Convenor Bank has already communicated the Banks/LDMs for collection of Flash data as of March, 2014 which should reach the Convenor by 28.4.2014 to enable us to prepare a note for special SLBC meeting. He personally requested the Controlling Heads of the Banks to ensure the submission of data of their bank and LDMs in the State.

Dr. Nandi was hopeful that the agenda papers for 131st SLBC meeting is placed before you for detailed discussions. I hope that deliberations in the presence of representative from RBI & NABARD and Government Departments will be result oriented and decisions taken by August House will boost the economic development and inclusive growth in the State.

HIGHLIGHT DR. SHRIKANT BALDI. IAS, PRINCIPAL SECRETARY FINANCE TO THE GOVERNMENT OF HIMACHAL PRADESH ON THE OCCASION OF 131 ST SLBC MEETING HELD ON 24.4.2013

Dr.Baldi appreciated the Convenor Bank for regularly convening the SLBC meetings in the State and said thatit is an appropriate place to discuss banking related issues and arrive decision amicably in a coordinated manner. However, the implementation of decision by bank/line departments appears to be slow and needs appropriate action from the Controllers of Banks.

Dr. Baldi while reviewing the performance data of Banks said that Banking sector growing in the State in a satisfactory manner. As of December, 2013 total 1760 branches are functioning in the State. He said that Banks has opened 126 new branches from December, 2012 to December, 2013.

Average per branch serving population in the State is best in comparison with other states as a result the growth in deposit is increasing and people of the State are keeping their Savings with banks. This is a good indicator for capital formation.

Dr. Baldi informed that Banks have successfully carried out DBT transactions worth Rs. 30 Crores under which amount of subsidy has been transferred in the beneficiary’s bank account through Aadhaar platform. However, the scheme is temporarily suspended in the wake of directions given by Supreme Court.

Dr.Baldi appreciated the role of Banks for achievements of targets fixed under Annual Credit Plan 2013-14 upto the quarter ended December, 2013.

Dr.Baldi realized that some of the banking related issues are pending for a long time and are rolling in the Agenda Papers which is not a healthy picture for us.

He shown concern over the CD Ratio position of the Banks in the State particularly CD Ratio in terms of Domestic deposits and advances which is only 41.57% whereas CD Ratio in terms of Thorat Committee where we add finance from outside is reached at the level of 58.20% as of December, 2013. The decline of CD Ratio by 5% over the position of December, 2012 is a matter of concern which is a adverse impact of lowering down of investment portfolio worth Rs. 1876 Crores in the corresponding period. At present 8 districts in the State having CD Ratio less than 40% and there is a disparity of CD Ratio among the districts in the State. The CD Ratio is high in district having industrial belts. He invited pro-active deliberation on CD Ratio to find out ways and means both from Government side as well as from Banker side to bring improvement in the overall CD Ratio of the State. We should initiate action for productive investment which leads to gear up economic activities in the State.

Regarding expansion of Banking Services in accordance with the roadmap prepared by banks, Dr.Baldi observed that Banks have opened 126 new branches which is comparatively low against the target fixed under the roadmap. He advised the bankers to concentrate on opening of new branches in the rural areas of the State. At present one bank branch is serving three Gram Panchayats. Under the adverse topographical condition

the BC model is the best option left for Banks to enlarge their activities in the un-banked area. He stressed for improvement in working of BC model in terms of Financial Transactions. He guided the banks to install more ATMs in the rural area and the number of ATMs should be at par with the number of bank branches.

Dr. Baldi shown concern on non achievement of 1% DRI targets by banks. He observed that there may be gap about the awareness of the scheme at the branch level and reluctancy exist in providing loan @ 4% to eligible beneficiaries.

Dr.Baldi shown concern on the delay took place in construction of RSETI building on Government land and requested to expedite the matter.

Dr.Baldi also shown concern on the overall recovery position particularly recovery performance of Cooperative Banks.

Dr.Baldi informed that Governor RBI visiting Shimla and we have an opportunity to discuss the banking related issues on 15.5.2014. He requested the Banks to submit the unresolved issues where RBI Governor Intervention is required.

Thereafter the agenda items were taken up by Shri U.C.Sharma, Deputy General Manager, UCO Bank.

AGENDA ITEM NO.1Confirmation of Minutes of the last 130 ST meeting held on 27.12.2013

The forum unanimously adopted the minutes of the 130th meeting of SLBC HP held on 27.12.2013 which was forwarded to the members vide Convenor’s Bank letter No.GM/SLBC/2013-14/130 dated 4.1.2014

AGENDA ITEM NO.2

Action Taken Report (ATR) on the action points emerged during the 131ST HP SLBC meeting held on 24.4.2014

Action Point No.

Action Point Emerged Action Taken up to Date

1 Holding of sub committee meetings of DCC constituted for the purpose of improvement in CD Ratio above 40% minimum level prescribed by RBI and preparation of special plan thereof.

LDMS of eight districts where CD Ratio is less than 40%, are again advised to continuously hold the sub committee meetings of DCC for improvement of CD Ratio.

The LDMs of many districts explained that CD Ratio is low on account of various reasons among others the demand for bank loan is low due to less credit absorption capacity in the farm sector and spread of Industrial units is not equal in all districts in the State.

The General Manager, NABARD supplemented the discussions and said that they have instructed their DDMs to identify activities/areas in the district where the

potential is available but not yet exploit for the productive purposes. This will step up the credit level of the banks.

The Principal Secretary Finance, Govt. of HP observed that all are pin pointing the CD Ratio in connection with Industrial Units, however, we cannot say that other sectors like Education, Transport and Services activities may also help to bring more credit absorption. He advised the banks/Line Departments to identify activities first and then think how to promote it with the help of bank finance. Dr.Baldi also desired that a move should be initiated to bring down rate of interest applicable for Industrial finance on account of high rate the actual availment of loan is less.

2 Implementation of NRLM – Scheme.

The issue was discussed in detail under Agenda Item No. 7

3 On-line access of Land Records to Banks – Adoption of “Bhoomi Bank Integrated Project” for online creation of charge on land – holding of sensitization workshop.

The Convenor Bank informed that as per the decision taken in the last SLBC, a small meeting was held on 17.2.2014 under the Chairmanship of Sh. Deva Singh Negi, Inspector General of Registration cum DLR to consider the proposal of SLBC for online creation of charge on land. The discussion took place on five aspects viz. Role and responsibility of Banks, Role and responsibility of State Revenue Deptt, The procedure adopted by other States, Relief to common people availing bank loans, Bank Project for online creation of charge in line with Karnataka model.

At present two different methodologies are being adopted in the State for recording the lien of banks in the ROR (Records of Rights) in respect of land being mortgaged with the banks. Where the mortgage deeds are being registered with the Sub-Registrar offices, the mutations on the basis of these registered deeds are being attested and owning to these mutations the remarks are being entered/updated in the Jamabandi/RoR. In the second method, the application for recording the lien are being forwarded by the banks to the concerned Tehsildar/NTs, who forward the application to Patwari through concerned Kunungo. The Patwaris make a Rapat in his Rapat Rojnamcha and on the basis of this Rapat, an entry to this effect is also made in the ROR and intimation to this effect is given to the concerned Bank through Tehsildar.

Additional Director Land Record, HP informed that the procedure of the instant mutation at Tehsil/Sub

Tehsil level adopted by the Govt. of HP vide its notification No. Rev.B.A(3)-1/2004-vol.1 dated 9th

January 2012 has already been withdrawn by the Govt. of HP vide notification No. Rev.B.A(3)-5/2013 dated 22.10.2013. Now the option to get the mutation entered by the Revenue officer concerned at the Tehsil/Sub-Tehsil headquarter is not available. So the procedure, which was earlier applicable in the Pradesh, is presently continued. At present, a person requiring a mutation regarding any right, which he/she has acquired in any Land/Property, shall have to get the mutation entered by the Patwari concerned at the patwar circle.

Participating in the deliberation Sh. Anil Semwal, Deputy Director, IT, informed that the Department have e-district projects under which all activities are to be computerized at the district level including Him Bhoomi application to be upgraded, it will take atleast one year to upgrade the software after that offsite data will switch over to online data in the state website.

In addition The matter regarding the decision of State Government to delegate the powers to bank for creation of charge on land is a policy decision since this power is at present vested with Tehsildar/ Naib Tehsildar.

Dr.Shrikant.Baldi, Principal Secretary Finance said that issue is complicated and is inter related with more than one department. In order to take a step by step action a small committee of SLBC may be constituted to deliberate on the issue. It has decided that Convenor Bank should prepare a self contained note elaborating the actual isues/constraints being faced by bankers and what changes are required in the notifications issued by State Government in connection with operational process for creation of equitable mortgage aiming to simplify the procedure. Finally decision on the matter will be given by FC Revenue. The self contained note should be prepared within 2/3 weeks and sent to office of the FC Revenue with a copy to Finance Department .After this the Principal Secretary Finance will fix a date for convening a joint meeting under the chairmanship of FC Revenue to settle the issues.

The Regional Director RBI suggested that a sub committee of SLBC is to be formed to have threadbare discussions on the complicated issues in accordance with the provision made in the Lead

Bank Scheme it will facilitate the process more quickly.

DGM, PNB suggested that SLBC agenda for online creation of charge on land is deleted since the NIC/DIT will complete the online land record data within a year. Bankers has requested the State Government that physical presence at Bank staff the time of creation of charge should not be made mandatory.

In the meanwhile the Convenor Bank have received a letter dated 23.4.2014 from NABARD, Head Office Mumbai originally addressed to Chief Secretary, Govt. of HP about computerization of land records and requested to adopt Bhoomi Project of Karnataka in the State of Himachal Pradesh. The letter contains that The Revenue Department; Govt. of Karnataka with the technical assistance from National Informatics Centre (NIC) Bangalore has built and operationalized the “Bhoomi” Project throughout the State. “Bhoomi” , meaning land, is a project of on line delivery and management of land records in Karnataka. It has a provision of mutation management, up-dation, maintenance and dissemination of RoR maintained under the Land Revenue Act, 1964 in Karnataka.

Database from all talukas have been uploaded into central data base and land record kiosks have become operational in Karnataka under “Bhoomi” project. Govt. of Karnataka has also permitted private parties to set up a land records kiosks at select locations. The entire system of management of land records has been computerized. Mutations are electronically managed through a transparent first in first out (FIFO) mechanism. Appropriate changes have been made to Karnataka Land Revenue Act, 1964, making the hand written land records invalid and computer generated land records the only legally valid document.

Bhoomi Project has benefited the farmers since they are able to obtain transparent, clearly visible, up to date, secured and tamper-proof land record on the same day by paying a nominal amount. This has in one way facilitated timely sanction of bank credit to farmers as the banks could view and record charges on land on-line.

SH.V.K.Goyal, DGM, PNB raised a n issue with regard to section 118 under which permission is required from State Government when the Industrial Unit is built in Agriculture Land and the

said permission is again required at the time of its disposal. It delays the process and Banks money is held up. He informed that the matter has already been referred to State Revenue Department requesting not to insist for getting permission under Section 118 when the Industrial Unit has already built in the Agriculture Land. This is a cumbersome procedure which delays the realization of bank funds. The Principal Secretary Finance suggested that Revenue Department may expedite the matter in favour of banks.

Finally it has decided that the Convenor Bank will form a sub-committee and list out all inter-related issues pertains to bank recovery, Certificate cases – delegation of powers to Banks, auction of property under SARFESI Act mentioning about requirement of permission under section 118.

4 Performance of Business Correspondents (BCs) engaged by Banks under Financial Inclusion in HP.

The House have reviewed the performance of BCAs in terms of Financial Transactions took by them. The DGM PNB informed that the bank is utilizing the services of Lok Mitra Kendras as BCAs from September, 2013. So far about 300 BCs are made active in the State and financial transactions worth Rs. 2 Crores were carried out by them. The DGM, SBI informed that BCAs are giving three type of banking services i.e. Deposits, Micro Insurance and remittances and likely to introduce remittance facility. So far OD facility has been extended to 500 SB accounts opened by our BCs in the State. Bank is facing the viability concept of BC model particularly in view of opening of rural branches where BC are already working.

The Director SOMA, informed that national social welfare pension payment for the quarter ended March were not disbursed in district Una through BC model and requested the State Bank to look into the matter on priority. The Convenor Bank proposed that a small committee of bankers should be constituted to study the BC model adopted by various banks in the State and suggest the best model which can be replicated by other banks. The Regional Director, RBI advised the banks to give the details about the name of villages, name of BCA and name of service provider of BCAs engaged by them at various places so as to verify their activities in the field. The feed back given by banks will be reviewed in the next SLBC

meeting.5 Printing of Financial

Literacy MaterialThe Convenor Bank informed that their Corporate Printers has got printed the FLC material and the consignment has reached Shimla. These materials will be distributed amongst various banks in accordance with the guidelines provided by RBI. The Convenor Bank after completing the job will submit the proposal for reimbursement pf cost in due course

6 Construction of RSETI buildings

UCO Bank, has allotted the construction work to BSNL, and PNB has allotted the construction work of RSETI to LIC. Soon the construction work will start. The constraints highlighted are as under:

RSETI Chamba is facing demarcation problem.RSETI Shimla is also facing the same problem

7 Relief to farmers availed bank loans under old Poly House Scheme

The farmers of Old Poly House Scheme wanted a relief package from State Government

The matter is sub-judice in the HP High Court hence, no decision could be arrived in the meeting. The DGM, SBI apprised that amount of subsidy in most of the cases wee not routed through banks as a result there is a misappropriation of funds and it pose problem to bank to offer any compromise proposal.

8. RBI Central Board Meeting proposed on 15.5.2014 at Shimla

The RD, RBI informed that a special SLBC is to be held during RBI Governors visit to Shimla on account of RBI Central Board Meeting. In such special meeting only those issues are discussed in which policy decisions are to be taken.

The banks are not furnishing the SLBC data in time resulting delay in conduct of SLBC meetings. RD RBI appealed to the Controlling Heads of Banks and LDMs to ensure timely submission of data.

3.1 PROGRESS UNDER DIRECT BENEFIT TRANSFER (DBT)

AGENDA ITEM NO.-3

The Convenor Bank informed that so far 23026 DBT transactions amounting to Rs.29.30 Crores has been carried out by banks under 17 schemes using Aadhaar/ NPCI platform in the State wherein the amount of subsidy/scholarship has directly been transferred in the banks accounts

Bank-wise / Scheme-wise DBT position as of 7.2.2014 was reproduced as under during the meeting:Scheme-wise Total

DBT Transactions

Amount Sponsor bank

SVUCY806 8,060,000.00

State Bank of Patiala

JSY4 2,800.00

Punjab National Bank

IGMSY 5,296 8,591,720.00 Union BankPost Matric OBC

1,73321,428,889.0

0State Bank of Patiala

Post Matric SC6,150

188,443,359.00

State Bank of Patiala

Post Matric ST720

38,063,368.00

State Bank of Patiala

Pre Matric Minority 755 1,928,485.00 Bank of BarodaTop Class Education SC 44 2,131,341.00

State Bank of India

Top Class Education ST 15 1,653,451.00

State Bank of India

Kalpana Chawala204

3,060,000.00

UCO Bank

Dr. Ambedkar Medhavi Chhatravrity Yojna 636 6,360,000.00

State Bank of Patiala

MARIT CUM MINE 21 539,333.00 UCO BankNSAP

6,25111,875,500.0

0UCO Bank

POST MATRIC MINORITY 13 58,965.00

UCO Bank

SCHOLARSHIP SCHEMES OF UGC 19 168,000.00

  

ICSSR FELLOWSHIP1 8,903.00

  

Unclean Occupation 358 662,300.00 Bank of BarodaTotal

23,02629,30,36,41

4.00  The above progress was noted by the house.

3.2 DIRECT BENEFIT TRANSFER ON LPG (DBTL):

The Convenor Bank informed that LDMs has done a wonderful job for linking the Aadhaar numbers in the LPG Consumer as a result about

1758707 DBTL records has been completed in 10 districts of the State. It has informed that due to imposition of code of conduct announced by Election Commission and old status quo has made for distribution of LPG in the State review of DBTL position will be discussed in the next SLBC meeting after receiving the fresh guidelines from the Ministry. The LDMs have raised the issue relating to inquiry made by public about non transfer of subsidy in the bank account and OMCs/LPG distributors are not cooperating with the situation.

Review of progress under RBI Roadmap 2013-16 – Extension of Banking Services in all unbanked villages:

The Convenor Bank informed about the progress achieved under the roadmap in the State as of December, 2013 about 4051 unbanked villages were covered through various ICT based mode, however, Banks has reported opening of 11 rural branches and 19 villages were covered through other modes.

The Convenor Bank informed that a special review meeting under the chairmanship of Regional Director, RBI was held on 12.2.2014 which was attended by all LDMs except Kinnour and L&S. The important decision arrived in the meeting are as under:

1. Identify the un-banked village, most suitable for opening of Brick and Mortar/USB type of banking outlet with year-wise breakup 2013-16

2. Obtain concurrence from Controlling Heads of Banks regarding time schedule for opening of banking outlet.

3. List out the name of un-banked villages already getting regular banking services from the existing rural branch within a radius of 1-5 Kms. Such villages may be treated as Financial Included village and there is no need to deploy BCA.

4. Explore the possibility of installation of more ATMs at convenient places to serve as an alternate banking outlet.

Participating in the discussions, the Regional Director, RBI re-directed the LDMs to expedite the matter on point 1 otherwise it will be difficult for the Controlling Heads of Banks to expedite the matter for opening of USB/Rural branches in the State. The LDMS were requested to furnish the year-wise data to Convenor Bank within a fortnight positively.

(ACTION : LDMS)

AGENDA ITEM NO.-4

AGENDA ITEM NO.-5

Review of Performance under Annual Credit Plan 2013-14 – Disbursement by Banks in the State of Himachal Pradesh as of December, 2013.

A Power point presentation has been made to review the achievement data under Annual Credit Plan 2013-14 under which Banks in the State has shown satisfactory performance on implementation of ACP 2013-14 witnessing overall disbursement to the tune of Rs. 9265.19 Crores against the target fixed at Rs.8083.52 Crores upto December, 2013 surpassing by 114.62% achievement.

The summary position of progress is as under

PRORESS UNDER ANNUAL CREDIT PLAN 2013-14

POSITION AS OF DEC, 2013 AT A GLANCE (Amount in Crores)S.No

Sector Annual Target 2013-14

Targets DEC, 2013

Achievement, DEC, 2013

%age Ach. Over qtl tgts

Fresh Units

Amount

1 Agriculture 4065.44 2845.81

269740 2968.28

104.30

2 MSE 3157.08 2209.96

42417 2273.57

102.88

3 Other Priority Sector

2619.92 1833.94

40901 1486.64

81.06

A Total Priority Sector

9842.44 6889.71

353058 6728.49

97.66

4 Non Priority Sector 1705.44 1193.81

54338 2536.70

212.49

B Grand Total ( A +B) 11547.88

8083.52

407396

9265.19

114.62

The House appreciated the above performance under Agriculture Sector, MSE where the performance of the Banks is more than 100%.

The progress in this regard was appreciated by the Members. The LDMs were directed to initiate necessary action for collection of bankwise progress under Annual Credit Plan 2014-15 strictly in the revised MIS format advised by RBI with effect from 1.4.2014.

(ACTION : LDMS)

FINALIZATION OF TARGETS UNDER ANNUAL CREDIT PLAN 2014-15

The State Credit Plan 2014-15 based on the aggregation of District level Annual Credit Plan has been distributed to all members The highlights of the ACP 2014-15 is as under:

HIGHLIGHT OF ACP 2014-15

Sector NABARD PLP 2014-15

ACP TGTS 2014-15

GROWTH IN ACP OVER 2013-14

Agriculture 4847.58 4710.45 15.86%MSE 3624.66 3588.27 13.66%OPS 2843.62 2666.28 2.00%Total Priority 11315.86 10965 11.41%Non Priority 0 1966.62 15.31%Grand Total 11315.86 12931.62 11.98%

The House consented that Priority Sector estimates worked out by NABARD to the tune of Rs. 11315.86 Crores should not be redcued and districtwise outlays for priority sector advances should match with the PLP. The LDMs having r educed the PLP are requested to increase the Priority Sector targets accordingly.

(ACTION : LDMS)

REVIEW OF STATISTICAL BANKING DATA AS OF DEC, 20136.1 COMPARATIVE BANKING KEY INDICATORS AS OF DEC, 2013

Review of Banking Sector Performance on Key parameters in Himachal Pradesh as of December, 2013.

The data collected from Banks indicates that there is a positive growth in Bank’s Deposits, Advances & PS Advances as of December, 2013 in comparison with corresponding figure of Dec, 2012. However, there is a sharp decline in Investment Portfolio of banks as a result CD Ratio of the State calculated in terms of Thorat Committee guidelines reduced to 58.20% as of December, 2013 from 63.19% as of December, 2012.

It is a good indication that growth of advances witnessed at about 17.04% as of December, 2013 whereas 15.35% annual growth in deposits registered as compared to the figures of December, 2012.

The Sectoral component under Priority Sector i.e. Agriculture/MSE/OPS, the outstandings of the banks has increased . Banks in the State have surpassed the three important parameters except DRI & CD Ratio.

AGENDA ITEM NO.6

POSITION OF NATIONAL PARAMETERS AS OF DEC, 2013 IN HIMACHAL PRADESH

Sr No.

Sector %age of advances

as on 31.12.201

1

%age of advances

as on31.12.2012

%age of advances

as on31.12.201

3

National Paramete

r

1 Priority sector advances 62.86 70.86 72.41% 40%

2. Agriculture advances 19.21 18.34 19.68% 18%3. MSE Advances(PSC) 42.63 54.72 49.05%

4. Other Priority Sectors(PSC) 26.81 19.00 23.77%

5. Advances to weaker sections 18.50 20.68 19.61% 10%

6. DRI Advances to total advs. Of previous year

0.04 0.05 0.07% 1%

7 Advances to women 6.23 7.97 7.93% 5%8 C.D. Ratio 68.83 63.19 58.20% 60%9 Advances to S/Cs

(PSC)14.90 14.11 13.15%

10 Advances to S/Ts (PSC)

4.73 4.91 4.41%

11 Advances to Minorities(PSC) 3.23 3.86 4.11%

*Credit Deposit Ratio of the State of HP as of DEC, 2013 = 58.20%Components taken for calculation of Credit Deposit Ratio (CDR) as per Thorat Committee Recommendations as of DECEMBER, 2013 (Amount in Crores)

i) Advances from Banks (within State) - 26670.43 Crs.ii) Advances from Banks (outside the State) - 7690.91 Crs.iii) RIDF (Bal. outstanding as of DEC, 2013) - 1620.71 Crsiv) Investment made by Banks in Govt. loans/Bonds Securities. 1359.68 Crs. TOTAL (Credit Component) 37341.73 Crs.

The above review of Banking Sector Performance on Key parameters in HP was noted by the House.

6.3 BRANCH NET WORK During the period under review, 16 banks have reported the opening of 54 new branches in the State. Canara Bank has opened 22 branches during the quarter. The position of new branches opened during quarter ended December 2013 is as under:

  NEW BRANCH OPENED DURING THE QUARTER DEC, 2013 Sl. No.  Name of Bank

Rural Semi Urban

Urban Total

1 Andhra 0 0 1 12 Bank of India 1 0 0 13 Bank of Maharashtra 0 1 0 14 Canara Bank 19 3 0 225 Central Bank of India 1 0 0 16 Dena Bank 1 0 0 17 IDBI 1 0 0 1

8Oriental Bank of Commerce 2 1 0 3

9 Punjab & Sind Bank 0 1 0 110 UCO Bank 4 0 0 411 Union Bank of India 1 0 0 112 United Bank of India 0 1 0 113 State Bank of Patiala 6 0 0 614 HDFC 2 2 1 515 HPSCB 4 0 0 416 KCCB 1 0 0 1

TOTAL 43 9 2 54 RD, RBI asked the Banks to give stress for opening of new bank branches in unbanked areas.

The position of banking outreach in Himachal Pradesh which was placed during the meeting was also noted by the house.

S.No.

Position Status as of Sept, 2013

1 Total number of branches 17062 Total number of rural branches 13673 Total number of Semi Urban branches 2534 Total number of Urban branches 865 Total CBS branches 16466 Total Non CBS Branches ( LDB 49, KCC

11)60

7 ATMs installed by Banks 10568 Branches dealing in foreign business 419 Branches having currency chest 5410 Branches dealing Treasury Business 9211 Branches having Clearing Houses 2512 Branches having Extension counters 3413 Branches specified SME 5014 Branches specified USB 4615 Branches having BC model 17016 Branches having Business facilitator 302

VIP REFERENCES FOR OPENING OF NEW BANK BRANCHES IN THE STATE:

The Convenor informed that the Hon’ble Finance Minister has recommended to open new bank branch at village Garadoo, Samoh, Kulwal and Tiharar on priority. UCO Bank has conducted the survey of village Samoh and recommended for opening of new branch whereas SBI has declined the proposal for opening of branch at Kulwal on account of viability concept. The remaining two villages has been recommended by LDM Mandi to cover with BC/USB Model. The State Bank of India has assured to open a branch at Tikkar Didwin in district Hamirpur before 31.3.2014. The concerned LDMs are requested to update the Convenor Bank about opening of new bank branches in VIP recommended areas so that the Ministry has been updated accordingly.

(ACTION – LDMs)

Review of Performance under Centrally Sponsored Schemes:

7.1 IMPLEMENTATION OF NATIONAL RURAL LIVELIHOOD MISSION (NRLM) BY BANKS IN HIMACHAL PRADESH

The Convenor Bank informed that formal letters has been received from all the Cooperative Banks of the State confirming to implement the NRLM scheme by their branches in the State. The scheme has picked up on account of Mass sensitization work done by banks/nodal departments and 527 loan applications amounting to Rs.8.21 Crores was disbursed upto December, 2013.

The Convenor Bank informed the outcome of the sub committee of SLBC meeting held on 28.2.2014 under the chiarpersonship of Addl.Chief Secretary (RD) to the Govt. of HP. The Sub Committee has recommended the following points for compliance by Banks/LDMs are as indicated in point No. 1-2-3 and point No. 4 is related to Deptt. of Rural Development as under:

1. Preparation of Comprehensive SHG data base by banks to be utilized for multi purpose uses and coverage of NRLM enabled women group by banks. A modified data reporting format approved by NABARD has been circulated to LDMs.

2. LDMs has been directed to constitute Distt. Level Coord.Committee and holding of quarterly meeting under the Chairmanship of Deputy Commissioner.

3. It has recommended that Women SHG programme implemented in Sirmour and Mandi districts will be covered with same interest norms (7%)as applicable to other districts in the State. However, District Mandi identified in category-I will also get additional benefit of 3% on prompt repayment.

4. Rural Dev.Department has agreed in principle to take up the matter with State Government regarding waiver of stamp duty on SHG finance.

AGENDA ITEM NO -7

All the LDMs except Solan, Bilaspur and Shimla are requested to confirm the Convenor Bank about constitution of District level Coordination Committee of NRLM and also give feed back about holding of meeting under the Chairmanship of Deputy Commissioner.

(ACTION: LDMS/Banks/Rural Dev. Deptt)

7.2 PROGRESS UNDER PRIME MINISTER EMPLOYMENT GENERATION PROGRAMMES (PMEGP) 2012-13 AS OF December, 2013

The Convenor Bank informed that 782 loan applications as per agencywise/Districtwise data furnished below has been sanctioned by banks upto December, 2013.

Agency Target 2013-14

Revised Proposal sanctioned by banks

Amt. disbursed in Crores

KVIC 485 105 4.10KVIB 485 181 11.96DIC 649 496 20.44TOTAL 1619 782 36.50

Agencywise progress under PMEGP as of 31.12.2013 (Amt. in Crores) Sl District Tgt

2013-14

PMEGP-KVIC

PMEGP KVIB

PMEGP DIC

PMEGP TOTAL

1Bilaspur

1268

0.36 5 0.32 8 0.23 21

0.91

2Chamba

13127

0.41 1 0.19 43 1.01 71

1.61

3 Hamirpur

12913

0.96 25 1.04 26 0.97 64

2.97

4Kangra

16922

0.27 21 0.67 58 1.69

101

2.63

5 Kinnour 94 0 0 0 0 0 0 0 06

Kullu131

10.09 26 1.39 25 0.88 52

2.36

7L&S

920 0 2 0.09 5 0.3 7

0.39

8Mandi

18211

0.98 29 3.7 26 1.74 66

6.42

9Shimla

16811

0.56 24 1.67 93 5.75

128

7.98

10 Sirmour

1356

0.27 2 0.03 45 0.11 53

0.41

11 Solan

1320 0 23 2.24

147 7.21

170

9.45

1 Una 130 6 0.2 23 0.62 20 0.55 49 1.3

2 7 

TOTAL1619

105 4.1

181

11.96

496

20.44

782

36.5

The representatiave from Industries Deptt. informed that against the target allocated to DIC i.e. to finance 649 proposals for the year 2013-14 out of which 765 applications were sanctioned upto March, 2014. However, the target for the year 2013-14 has been reduced by CEO - KVIC at the fag end of the year. There are 331 proposals of DIC are sanctioned by banks but the loan has not been disbursed due to not having match margin money. In fact the margin money target for the year 2013-14 has been revised from Rs. 16.19 crores to Rs. 14.18 Crores which created a mismatch problem. The representation to this effect has already been sent to Central office by Industries Department requesting to allocate additional margin money but the decision is awaited.

The Chairman desired that Industries Deptt. should again take up the matter with KVIC either to sanction additional margin money requirement in order to disburse the sancationed loan applications otherwise we do not have any option to roll out these cases for the next financial year 2014-15. The Department should ensure availability of sufficient margin money requirements to banks having sanctioned and disbursed the loan proposal under the scheme.

(Ac tion: Director KVIC/Industries Deptt.)

7.3 PROGRESS UNDER SWARAN JAYANTI SHAHRI ROJVAR YOJANA (SJSRY) FOR THE QUARTER ENDED December, 2013

The Convenor Bank informed that target under the scheme for the State has been fixed to finance 350 proposals for the year 2013-14 out of which only 39 loan proposals were sanctioned by banks upto December, 2013. The representative from Urban Dev. Deptt. informed that the Department have received the money from Govt. of India only on 25th March, 2014 as a result the progress is low. She informed that the left out funds will be utilized under National Urban Livelihood Mission.

7.4 IMPLEMENTATION OF RAJIV RINN YOJANA (RRY)

The Convenor Bank informed that a new scheme has been launched for construction of Houses meant for economically weaker section of society /low income groups. The scheme has a provision to provide fixed interest subsidy of 5% on interest charged on the loan account sanctioned to EWS/LIG segments. The Govt. of India has fixed a target to finance 500 dwellings for 2014-15. Banks are requested to expedite the implementation fo the scheme.

7.7 PROGRESS UNDER WEAVER CREDIT CARD

The Convenor Bank informed that against the target to issue 1500 WCC (2013-14) banks has so far issued 165 Weaver Credit Card upto quarter ended December, 2013. The

representative from Industries Deptt. informed that the target for the State as received from Ministry of Textile has been allocated to Handloom concentrated distsrifcts i.e Kullu, Mandi, Kinnour, Chamba and Kangra and so far 179 WCCs were issued mostly in district Mandi and Kullu. The reason low off take of the scheme is charging of higher rate of interest on WCC over the KCC.

The Department has been requested to organize a few awareness camps in cluster mode aiming to porpularise the scheme in the State.

(Action: Industries Deptt.)

8.1 Review of Recovery Performance of Banks in Himachal Pradesh.

The powerpoint presentation of recovery data for the quarter ended December, 2013 has been displayed for the information of the house.

BROAD SECTOR WISE RECOVERY POSITION as of DEC, 2013

(Amt. in lacs)Sl. No

Sector Demand Recovery Overdue %age of Recovery

1 Agriculture 108908 82092 26816 75.382 MSE 268149 206288 61861 76.933 Housing 92187 68287 23900 74.074 Education 9952 7189 2763 72.245 OPS 44433 32644 11789 73.47A Total Priority 523629 396500 127129 75.721 Medium

Enterprise44926 34530 10396 76.86

2 Other Non Priority

167344 130779 36565 78.15

B TOTAL-Non Priority

212270 165309 46961 77.88

Grand Total (A+B)

735899 561809 174090 76.34

8.2 Recovery Position under Govt. Sponsored Programmes: ( Amt. in Crorcs)

Sl. No. Sector Demand Recovery Overdue %age of Recovery

1 SGSY 4193 2641 1552 62.992 PMRY 1295 641 654 49.503 PMEGP 1803 1050 753 58.244 SJSRY 131 77 54 58.78

AGENDA ITEM NO.8

5 SLRS 51 39 12 76.476 REGP 437 245 192 56.067 RURAL

HOUSING381 290 91 76.12

8 OTHERS 5615 3655 1960 65.09TOTAL 13906 8638 5268 62.12

8.3 Agency-wise Recovery Position (Amount in lacs)

S. N

Agency Demand Recovery Overdue %age ofRecovery

1 Public Sector Banks

575341 449578 125763 78.14

2 RRBs 40873 34264 6609 83.833 Cooperative

Banks117777 77131 40646 65.49

4 Private Banks 1029 836 193 81.24TOTAL 735020 561809 173211 76.43

8.4 Position of Certificate cases under HP Public Money Recovery Act, 2000 as of DEC, 2013 ‘Amt in Rs lacs

Position as of DECEMBER, 2013S.NO Particulars No. Amt.

1 Previous Pending recovery cases as of SEPTEMBER, 2013

4905 6096.07

2 Fresh cases filed during the quarter 312 454.793 Cases disposed off during the quarter 63 96.014 Cases pending as of DECEMBER, 2013

Out of item 4 cases pending5154 6454.85

5 A – up to period of one year 568 982.786 B – Beyond one year 4586 5472.07

8.5 Non Performing Assets (NPAs) of Banks as of DEC, 2013 in HP (Amount in Crores)Sl. No.

Particulars Position as of Dec 2013

1 Total Advances as on 30.12.2013 26670.432 Total NPA as on 30.12.2013 1434.443 %age of NPA as on 30.12.2013 of

Total Advs5.38

Sector-wise position of NPA Sl. No.

Sector Amount in Crores %age of NPA

1 Agriculture 378.22 26.372 MSE 323.63 22.563 OPS 447.85 31.224 NPS 284.74 19.85

TOTAL NPA 1434.44 100

The Convenor Bank informed that despite State Govt. assistance the disposal of Certificate cases are very low at the SDO level and it is a matter of concern for the bankers. There are about 5154 no. of certificate cases were pending as of December, 2013, the bankers has requested the State Government to intervene in the matter.

(Action : Revenue Department)

Review of progress under Non Sponsored Programmes.9.1 Progress under Kisan Credit Cards (KCC):

The progress data received from banks observed that 14882 new KCCs were issued during the quarter ended December, 2013, taking the cumulative position reach upto 589971 KCCs issued by banks in the State

Banks has reported issue of 64177 numbers of Rupay Credit Cards to KCC Holders upto December, 2014.

The above was noted by the house.

9.2 Progress under Self Help Groups

During the period under review Banks has reported formulation of 720 new SHGs and 681 groups were given Bank Credit. The cumulative position regarding formation of SHGs under Micro Finance goes upto about 68215 SHGs out of which 65767 groups were given credit linkage having balance outstanding of Rs. 290.35 Crores. The above was noted by the house.

9.3 Review of performance under Education Loans

During the period under review banks has sanctioned 771 fresh loans amount to Rs.25.68 Crs. and cumulative position reached to 17628 number of Education loans having balance outstanding Rs. 392.21 Crs.

The above was noted by the house.

9.4 Review of performance under Housing Loans

The feedback data received from Banks observed that Banks in the State has sanctioned 4658 fresh Housing Loans amounting to

AGENDA ITEM NO.9

Rs.270.35 Crores and cumulative position reached to 91376 number of Housing loans having balance outstanding Rs. 3891.33 Crores.

The above was noted by the house.

9.5 Progress under other Misc. schemes

CONSOLIDATED PROGRESS UNDER PMEGP UPTO DECEMBER, 2013 (Amt. in Crores)

Sl. No.

Scheme Ach. During December, 2013 quarter

Cumulative position at the end of December, 2013

No. Amount in lacs

No. Amount in lacs

1 All type of Credit Cards(GCC/SCC/ACC)

1537 589.35 58015 7338.14

2 Joint Liability Group(JLGs)

13 15.76 871 749.03

3 Basic SB Deposit Accounts

42838

696.49 1100425

66465.27

4 Migrate Labour a/cs opened

434 294.59 2824 759.66

5 Street Vendor a/cs opened

262 4.69 977 16.76

6 Weaver Credit Card 43 36.00 65 128.88

The Convenor Bank informed that the progress under joint liability group has not picked up in the State in comparison with other states and requested the NABARD to organize a few awareness camps in order to increase the JLG accounts in the rural areas.

The Deputy General Manager, NABARD apprised that there is a potential of the scheme in the State and NABARD is having a scheme to provide incentive for promotion of JLGs. Under this incentive scheme NABARD will provide Rs. 2000 per account for financing of JLGs to whom NABARD will give a prior sanction. This incentive will be relieved in three phases i.e. Rs. 1000/- for extending credit to JLG, Rs. 500/- for reporting the receipt of first repayment and again Rs.500/- for reporting the satisfactory repayment of entire loan. The incentive will be released

for JLGs financed after the date of receipt of sanctioned letter from NABARD. The Deputy General Manager NABARD requested the banks to submit proposal for sanction of grant assistance for their potential branches. NABARAD assured the Bankers that they will conduct the Awareness programme under the pockets selected under JLG finanacing. LDMS to identify the potential branches and send the same to Convenor Bank.

(Action : Banks and NABARD)

AGENDA ITEM NO. 10Misc. & Fresh Issues.10.1 Review of performance under FLCCs during the quarter ended DECEMBER, 2013.

The House was informed of the progress made by all the 12 FLCCs in the State which was found satisfactory.

10.2.Review of performance under RSETI

The status for construction of RSETI building by UCO Bank and SBI has already been covered under ATR.

The House was informed of the data compiled on training programmes conducted by RSETIs it is observed that total 59 batches of training was conducted for imparting training 1433 beneficiaries during the quarter ended December, 2013.

The cumulative position for batches conducted by RSETIs in the State upto December, 2013 is as under:

Sector No. of batches No. of traineesAgriculture EDPs 174 4392Skill EDPs 17 352General EDPs 9 276Process EDPs 235 5804Production EDPs 245 6353TOTAL 680 17177

10.3 MORTGAGE OF LAND IN TRIBAL AREAS OF HIMACHAL PRADESH

The Convenor Bank informed that the matter has already been covered during deliberation in ATR and the issue will be taken care of.

ANNEXURE-I

131 st STATE LEVEL BANKERS COMMITTEE MEETING OF HIMACHAL PRADESH HELD ON 24 TH APRIL, 2014 AT REGENCY HALL, HOTEL HOLIDAY HOME SHIMLA.

List of Participants

I. Chief Guest Dr. Shrikant Baldi, IASPrincipal Secretary Finance to the Govt. of HP

II. Chairman Dr.S.K.NandiGeneral ManagerUCO Bank

III Government of Himachal Pradesh & Related Agencies:

SARVASHRI:1 R.K.Sharma Spl.Secy. Law, Govt. of HP, Shimla2 Priyatu Mandal, Additional Director, RDD, Govt. of HP, Shimla3. S.C.Negi Director SOMA, Deptt. of SJ&E, Govt. of HP,4 Anil Semwal Dy.Director, IT, Govt. of HP, Shimla5. Man Singh

VermaAddl.Director, Land Records, Govt. of HP,Shimla

6 Dr. J.C.Rana Director Agriculture, Govt. of HP, Shimla7 Dr.Gurdev Singh Director Horticulture, Govt. of HP, Shimla8 Sanjay Sharma Dy.Director Industries, Govt. of HP, Shimla9 Sunita Kapta Addl. Director, Urban Dev. Govt. of HP,

Shimla10 R.S.Guleria Dy. Director, WCD, Govt. of HP, Shimla11 DR.D.R.Sharma Joint Registrar Coop. Soc. Govt. of HP, Shimla12 Dr. U.S.Rana Dy.Director, Animal Husbandry, Govt. of HP,

Shimla13 Gopal Prasad Director KVIC, Shimla14. Sanjeev Justa Nodal Officer, KVIB, Shimla15 S.C.Kapur SPM, NRLM, Govt. of HP, Shimla16 Rakesh Kumar EO. KVIC, Shimla17 Jayant Sharma Information officer, Dte. Of Public Relations,

Govt. of HP, Shimla18 Jasvir Singh Clerk, Industries Deptt. Govt. of HP, Shimla.

IV RESERVE BANK OF INDIA, NABARD, NHB,SIDBI

SARVASHRI:1 Sh. I.S.Negi Regional Director, RBI, Shimla2 S.S.Saha General Manager, NABARD, Shimla3 G.Nagbhushanam DGM, NABAD, Shimla4 Ravi Rawal Asst. General Manager, RBI, Shimla5 S.Thangavelu DGM, SIDBI, Shimla

V LEAD DISTRICT MANAGERS:SARVASHRI

1 K.C.Sharma LDM- Bilaspur2 P.K.Agarwal LDM-Hamirpur3 R.S.Rohil LDM - Kangra4 P.K.Walia LDM - kullu5 Amar Singh Thakur LDM-Mandi6 RakeshVerma LDM-Sirmaur7 Kartar Singh LDM- Shimla8 K.K.Verma LDM-Solan 9 B.S.Saini LDM-Una

COMMERCIAL BANKS: SARVASHRI

1 Vinay Kumar GM, PNB, Shimla2 Gurnam Singh GM, SBOP, Chandigarh.3 U.C.Sharma DGM, UCO Bank, Zonal Office, Shimla4 V.K.Goyal DGM, PNB, Circle Office, Shimla5 A.K.Sahu DGM, SBI, Shimla6 Pradeep Chauhan DRM, CBI, Shimla7 T.N.Sharma AGM, UCO Bank, ZO, Dharmshala8 Manjeet Singh AGM, SBOP, Regional Office, Shimla9 Parmjit Singh AGM, SBI, ZO, Shimla10 Vikas Mehta Chief Manager, Canara Bank, Shimla11 R.S.Chauhan Chief Manager, BOI, Shimla12 S.S.Kharbanda Chief Manager, P&SB, Shimla13 V.Natarajan Chief Manager, IOB, Shimla14 P.N.Swamp Chief Manager, Indian Bank, Shimla15 P.L.Karpa Sr.Manager, Dena Bank, Shimla16 Jitender Singh Sr.Manager, IOB, Shimla17 S.L.Kaokip Manager, Corp. Bank, Shimla18 M.J.Amla Sr.Manager, SLBC, UCO Bank19 O.P.Panta Sr.Manager, P&D, UCO Bank20 Sunil Sharaf Security Officer, UCO Bank21 Gurdeep Kansal Officer, UCO Bank, HP22 A.K.Ghatak Officer, UCO Bank, HP23 Jasbir S Rajput Officer, UCO Bank24 Devinder Kalsi OLfficer, IT, UCO Bank

VII COOPERATIVE & REGIONAL RURAL BANKS:SARVASHRI

1 S.S.Negi GM, HP State Coop. Bank, Shimla2 Satish Sharma AGM, KCCB, Dharmshala3 R.S.Rathore Managing Director, JCCB, Solan4 R.S.Thakur Sr.Manager, JCCB

5 Dr.,Pankaj Lalit Managing Director, LDB, ShimlaVII PRIVATE BANKS:

SARVASHRI1 Santosh Banyal Customer Service Officer, ICICI Bank Ltd.2 Mohinder Singh Senior Manager, J&K Bank, Shimla