Sangola Taluka Shetkari Shikshan Prasarak Mandal’s VIDNYAN ...
· Review of Performance under ACP 2017-18 Chhatrapati Shivaji Maharaj Shetkari Sanman Yojana...
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Transcript of · Review of Performance under ACP 2017-18 Chhatrapati Shivaji Maharaj Shetkari Sanman Yojana...
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1
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INDEX
Agenda for 138th SLBC meeting dtd. 22.02.2018 at Mumbai
INDEX
Agenda Pt. No. Particulars
Page No.
1 Confirmation of minutes of 137th SLBC Meeting dtd. 07.12.2017
1
2 Disbursement of Crop Loans under Annual Credit Plan Review of Annual Credit Plan The comparative position of Annual Credit Plan for the last 3 years
Review of Performance under ACP 2017-18
Chhatrapati Shivaji Maharaj Shetkari Sanman Yojana (CSMSSY) 2017
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3 Financial Inclusion
64
4 Setting up and functioning of RSETI and FLCs in Maharashtra
96
5 Review of performance under various Government sponsored Schemes
102
6 Impact of Low Level Credit Services in Scheduled Areas
209
7 Regular issues to be discussed during SLBC meetings Dairy Entrepreneurship Development Scheme
Sanction of loans by banks to trained candidates under the Central
Sector Scheme Establishment of Agri-Clinics and Agri-Business Centres (ACABC)
210
8 Pradhan Mantri Awas Yojana (PMAY) 211
9 Aligning Roadmap for unbanked villages having population more than 5000 with revised guidelines on Branch authorization Policy
216
10 Use of Marathi in ATMs and Day to Day Transactions by Banks
217
11 Zero Balance Accounts
228
12 Relief Measures by Banks in Areas Affected by Natural Calamities
230
13 Flow of credit to Micro and Small Enterprises 244
14 Monitoring Flow of Credit to Various sectors of Economy & Credit to Minority Communities
246
15 Any other Issue with the Permission of the Chair.
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Confirmation of minutes of 137th SLBC Meeting dtd. 07.12.2017 The minutes of the 137th SLBC meeting were circulated vide our letter no. AX1 / SLBC / 2017-18 / 4929-5058 dtd. 26.12.2017 and are also available on SLBC website. > The Minutes of 137th SLBC meeting held on 07.12.2017 are taken on record. Copy of the minutes is enclosed as Annexure 1.1 to this agenda note.
Agenda No. 1
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2
Convener - SLBC Maharashtra
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No. AX1 / SLBC 137 / Minutes / 2017-18 December 08, 2017
Minutes of the 137th SLBC Meeting held on December 07, 2017 at Mumbai
137th SLBC meeting was convened on 07.12.2017 at Mumbai. Shri A. C. Rout, ExecutiveDirector, Bank of Maharashtra, presided over the meeting. The meeting was attended by MsVandita Kaul, Joint Secretary, Department of Financial Services, Ministry of Finance,Government of India, Shri D.K. Jain, Additional Chief Secretary, Finance, Government ofMaharashtra, Shri Debashish Chakrabarty, Principal Secretary, Planning, Government ofMaharashtra, Shri Shyam Tagade, Principal Secretary, Minority Development, Governmentof Maharashtra, Shri Bijay Kumar, Principal Secretary, Agriculture, Government ofMaharashtra, Dr. S Rajagopal, Regional Director, Reserve Bank of India, Maharashtra &Goa, Smt. Indrani Banerjee, Regional Director, Nagpur, Reserve Bank of India, Smt. R.Vimala, CEO, MSRLM and other State Government officials. Shri Sumnesh Joshi, Asstt.Director General, UIDAI, Dr.R.N.Kulkarni, CGM NABARD, General Managers of memberBanks, senior executives of Reserve Bank of India, NABARD, other member Banks andLead District Managers also attended the meeting.
Shri A.B. Thorat, Dy. General Manager, Member Secretary, SLBC welcomed all dignitaries &participants and requested all to actively participate in the SLBC meeting.
Shri A.C. Rout, Executive Director, Bank of Maharashtra welcomed the dignitaries andinformed the house about the agenda items that would be covered during the course of themeeting. He quickly recapitulated the achievements under ACP, crop loan disbursements,network of branches in the State etc. during the quarter ended September 2017. He agreedthat the performance of the State during the first half year of 2017-18 was low as comparedto the corresponding period of the previous year. However, he assured the house thatdespite initial hiccups in disbursements owing to announcement and implementation of farmloan waiver by the State Government, once the implementation was over, routine cycle offresh disbursements, recovery, reschedulements if any etc. would pick up during the comingmonths. He stressed the importance of bringing uncovered farmers under the banking foldand requested member banks to resubmit the updated files to Lead District Managers. Healso urged the Lead District Managers to update the portal at the earliest so that the villagewise number of uncovered farmers could be ascertained and the further efforts for coveringthem could gather momentum. He informed the house about requests received by SLBC forvarious kinds of data / information. He appealed members for allowing sufficient time forcompilation of data that was not readily available with SLBC and to check SLBC website foravailable data before putting in any request. He urged member banks to accord priority to
Annexure 1.1
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3
Convener - SLBC Maharashtra
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opening of CBS enabled banking outlets at the allotted centres by 31.12.2017 and to put upa status note to Reserve Bank of India and SLBC.
Further, he requested the State Government to:
(1) Look into the long standing demands of the bankers in respect of notifying all DistrictHeadquarter Towns, all Talukas / Tehsil Headquarter Towns etc. for creation ofEquitable Mortgage in the State of Maharashtra and
(2) Introduce a new Maharashtra State Recovery Act so as to encompass recoveryproceedings by banks.
Ms Vandita Kaul, Joint Secretary, Department of Financial Services, Ministry of Finance,Government of India and Nodal Officer for SLBC Maharashtra congratulated all memberbanks for their continuing hard work. However, she felt that because of lot of changeshappening very fast, bankers must gear up for more hard work to face the challenges thatlay ahead. She urged that focus on flow of credit, especially priority sector credit, must notbe lost in any case. She expressed her concern over submission of data to SLBC. Sheopined that timely submission of accurate data was of utmost importance as a good andstrong data base formed the basis for proactive decision making for any organization.According to her, recovery was another area of concern. She thought that perfectdocumentation at the initial stage of disbursement would go a long way in strengthening theefforts for recovery in future. She informed that Department of Financial Services was easilyapproachable and policies were released after due assimilation of various inputs. Sherelated her experience of receiving appreciation at a world conference about the hugeaadhaar seeding exercise undertaken by the Indian Government and requested to push alittle harder to complete the same in the stipulated time period. She stressed the importanceof SLBC forum and urged to use it for effective communication.
Shri D.K. Jain. ACS, Finance, Government of Maharashtra expressed happiness overimplementation of Chhatrapati Shivaji Maharaj Shetkari Sanman Yojana (CSMSSY-2017)and thanked all member banks, DCCBs and SLBC for their cooperation. He informed thatbenefit of waiver amount were being transferred to the farmers accounts and appreciatedthe round the clock working by all concerned. He urged the member banks to convey writtenacceptance of the one-time settlement scheme for specified NPA accounts proposed byGovernment of Maharashtra expeditiously as the same was beneficial to the borrowers aswell as the banks. He informed about the tough targets in respect of Pradhan Mantri AwaasYojana received from Government of India and appealed for all out efforts by all concernedso as to make the dream of providing 2 lakh affordable houses to the needy by 2022 cometrue.
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Convener - SLBC Maharashtra
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Shri V.U. Mhaske, General Manager, Bank of Maharashtra & Convener, SLBC, Maharashtrapiloted agenda wise discussions. He appraised the house about agenda items that would bediscussed and importance of SLBC meetings. He thanked all the stake holders for theiractive support and assured all the officials of the State Government that SLBC under theguidance of Reserve Bank of India, NABARD and with active cooperation of all the memberbanks shall continue to work hand in hand with the State Government and other stakeholders to attain new heights for the State even under the challenging Scenario.
Regional Director, Maharashtra and Goa, Reserve Bank of India, Mumbai summed up theproceedings. He expressed satisfaction over the fruitful discussions. He opined that withconcerted efforts, all issues in respect of MUDRA / SUI loans, SHG bank linkage that werepointed out during the discussions would be considered and addressed quickly. He felt surethat bankers would achieve various ambitious targets despite adverse conditions.
Asstt. General Manager, FI & SLBC, Bank of Maharashtra proposed vote of thanks.
Agenda Item-wise discussions and action points are given in the Annexure I
The list of officials who participated in the meeting is given in the Annexure II
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5
Con
vene
r-SL
BC
Mah
aras
htra
4/2
3
Ann
exur
e
I
Sr.
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iscu
ssio
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eld
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mat
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h
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hSL
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gdt
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.09.
2017
wer
epl
aced
asan
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xure
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enda
.
The
min
utes
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6th
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mee
ting
wer
eco
nfirm
ed.
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rsem
ento
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nual
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red
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low
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rman
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first
two
quar
ters
wou
ldim
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rsch
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nmen
tis
over
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info
rmed
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usre
late
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wer
edi
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mm
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mee
ting
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nce,
Gov
ernm
ento
fMah
aras
htra
and
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or,B
ank
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ahar
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plor
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ance
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form
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ate
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-
6
Con
vene
r-SL
BC
Mah
aras
htra
5/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
Actio
nPo
int
Actio
nby
SLBC
mee
ting
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ged
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ssue
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impl
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-201
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gto
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ssun
deri
mpl
emen
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nof
the
sche
me.
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info
rmed
abou
tthe
one-
time
settl
emen
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hem
efo
rspe
cifie
dN
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coun
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ady
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.
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nce,
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ernm
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htra
urge
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rtici
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hem
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tend
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the
dead
line
to31
.03.
2018
.Ban
kers
conv
eyed
thei
rac
cept
ance
fort
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me.
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nce,
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ernm
ento
fMah
aras
htra
urge
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com
plet
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lfor
mal
ities
unde
rC
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7at
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tsst
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ssue
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vant
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ficat
esan
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sure
that
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farm
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eel
igib
lefo
rfre
shfin
ance
.
Mem
berb
anks
toco
vey
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ptan
ceof
the
OTS
sche
me
toth
eSt
ate
Gov
ernm
ent.
Mem
ber
Bank
s
-
7
Con
vene
r-SL
BC
Mah
aras
htra
6/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
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nPo
int
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nanc
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PM
MY
Con
vene
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edth
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ance
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-18
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edia
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utiv
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irect
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ank
ofM
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rictw
ise
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rget
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info
rmed
toSL
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2.20
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sto
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sto
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ise
targ
ets
for2
017-
18un
derP
MM
Yto
SLBC
by14
.12.
2017
.
Mem
ber
Bank
s
Mem
ber
Bank
s
-
8
Con
vene
r-SL
BC
Mah
aras
htra
7/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
Actio
nPo
int
Actio
nby
Stan
dU
pIn
dia
(SU
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vene
r,SL
BCin
form
edab
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UD
RA
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otio
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pur,
Mum
baia
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nedu
ring
Oct
ober
2017
.
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vene
r,SL
BCob
serv
edth
atth
epe
rform
ance
unde
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ndU
pIn
dia
Sche
me
was
notu
pto
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mar
kan
dur
ged
tom
ake
conc
erte
def
forts
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ving
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etof
one
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don
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oman
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nch.
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or,B
ank
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asht
raen
quire
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outc
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ofm
embe
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ksif
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Bank
ers
info
rmed
that
ther
ew
asno
prob
lem
abou
tget
ting
wom
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rrow
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hey
wer
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ding
itdi
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ltto
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ctor
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ento
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ager
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ance
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me
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ers
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nker
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ngne
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sion
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este
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sto
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ratu
repr
ovid
edby
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DC
tobe
circ
ulat
edam
ong
mem
berb
anks
forf
urth
erco
mpl
ianc
e.
Mem
ber
Bank
s
SLBC
-
9
Con
vene
r-SL
BC
Mah
aras
htra
8/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
Actio
nPo
int
Actio
nby
APY
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JJBY
/PM
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lmen
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ough
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s
Con
vene
r,SL
BCin
form
edth
eho
use
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tth
esc
hem
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dre
ques
ted
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berb
anks
tom
ake
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forts
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umnu
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rof
enro
llmen
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derA
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edth
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nof
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and
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Yin
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e.H
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ques
ted
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sure
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llmen
tsas
wel
las
rene
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eal
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ques
ted
toen
sure
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ctio
nof
prem
iaon
time.
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vene
r,SL
BCin
form
edab
outl
ates
tG
over
nmen
tofI
ndia
dire
ctiv
esdt
d.09
.11.
2017
and
04.1
2.20
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resp
ecto
fAa
dhaa
rEnr
ollm
entt
hrou
ghBa
nks
and
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este
dto
note
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isio
nsfo
rco
mpl
ianc
e.
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t.D
irect
orG
ener
al,U
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info
rmed
abou
tthe
train
ing
prog
ram
mes
cond
ucte
dby
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dap
peal
edm
embe
rban
ksto
ensu
reth
atth
em
aste
rtra
iner
sal
read
ytra
ined
byU
IDAI
train
mor
etra
iner
sin
turn
.H
eex
pres
sed
conc
ern
over
the
fact
that
only
263
cent
res
wer
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erat
iona
lized
and
urge
dto
oper
atio
naliz
eth
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mai
ning
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tifie
dce
ntre
sby
31.1
2.20
17.H
ein
form
edth
atm
any
bran
chm
anag
ers
wer
eno
taw
are
ofth
eva
rious
prov
isio
nsan
dex
pres
sed
anur
gent
need
ofse
nsiti
zing
them
.
Mem
berb
anks
tore
gist
erm
axim
umnu
mbe
rofe
nrol
lmen
ts
Mem
berb
anks
tosc
out
forf
resh
enro
llmen
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gres
sive
lyas
wel
las
ensu
rere
new
als
and
colle
ctio
nof
prem
iaon
time.
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berb
anks
tono
teth
epr
ovis
ion
for
com
plia
nce.
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berb
anks
toop
erat
ioni
lse
iden
tifie
daa
dhaa
renr
ollm
ent/
upda
tece
ntre
sw
ithin
stip
ulat
edtim
elim
it.
Mem
ber
Bank
s
Mem
ber
Bank
s
Mem
ber
Bank
s
Mem
ber
Bank
s
-
10
Con
vene
r-SL
BC
Mah
aras
htra
9/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
Actio
nPo
int
Actio
nby
4Se
tting
upan
dfu
nctio
ning
ofR
SETI
and
FLC
sin
Mah
aras
htra
Con
vene
r,SL
BCin
form
edth
eho
use
that
vario
usis
sues
perta
inin
gto
RSE
TIs
and
FLC
sw
ere
disc
usse
din
the
SLBC
sub-
com
mitt
eem
eetin
ghe
ldon
23.1
1.20
17at
Pune
.He
requ
este
dG
oMto
look
into
the
issu
esin
resp
ecto
flan
dal
lotm
ent/
perm
issi
ons
atso
me
ofth
edi
stric
tsan
dre
ques
ted
fora
llotm
ento
falte
rnat
ela
ndfo
rco
nstru
ctio
nof
RSE
TIs.
Gen
eral
Man
ager
,Can
ara
Bank
requ
este
dfo
rallo
tmen
tofl
and
toR
SETI
spon
sore
dby
Can
ara
Bank
&Sy
ndic
ate
Bank
atTa
lega
on,D
istri
ctPu
ne.
ACS,
Fina
nce,
GoM
assu
red
tolo
okin
toth
em
atte
rbut
info
rmed
that
land
allo
tmen
twill
beas
perg
uide
lines
issu
edby
the
Cen
tral
Gov
ernm
ent.
Con
vene
r,SL
BCex
pres
sed
the
need
for
stre
ngth
enin
gof
FLC
s.H
eur
ged
tous
elit
erat
ure
mad
eav
aila
ble
inlo
call
angu
age
and
sugg
este
dto
use
FLC
sfo
rim
prov
edpe
rform
ance
unde
raad
haar
seed
ing,
RuP
ayca
rdac
tivat
ion
etc.
Con
cern
edde
partm
ent
ofG
oMto
look
into
the
issu
esab
outl
and
allo
tmen
t.
RD
D,G
oM
5R
evie
wof
perfo
rman
ceun
der
vario
usG
over
nmen
tspo
nsor
edSc
hem
es
Con
vene
r,SL
BCin
form
edth
atth
eta
rget
sfo
r201
7-18
and
prog
ress
unde
rvar
ious
GSS
sw
ere
men
tione
din
agen
dano
tes
and
appe
aled
toal
lim
plem
entin
gag
enci
esto
Alli
mpl
emen
ting
agen
cies
topr
ovid
eda
tare
gula
rlyat
fixed
perio
dic
inte
rval
s.
Res
pect
ive
impl
emen
ting
agen
cies
-
11
Con
vene
r-SL
BC
Mah
aras
htra
10/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
Actio
nPo
int
Actio
nby
prov
ide
data
regu
larly
atfix
edpe
riodi
cin
terv
als.
He
also
urge
dth
em
embe
rban
ksfo
rqui
ckdi
spos
alof
Gov
ernm
ent
Spon
sore
dlo
anpr
opos
als
fora
chie
vem
ent
ofta
rget
sse
tfor
vario
ussc
hem
es.
CEO
,MSR
LMga
vea
deta
iled
pres
enta
tion.
She
urge
dth
eba
nker
sto
shar
eda
taon
NR
LMpo
rtala
ndto
disp
ose
offa
llpe
ndin
gca
ses
urge
ntly
.She
took
deta
iled
bank
wis
e,di
stric
twis
e,di
visi
onw
ise
revi
ewof
perfo
rman
cean
dap
peal
edLe
adBa
nks
toco
ncen
trate
upon
impr
ovin
gpe
rform
ance
asth
ese
bank
spl
aya
maj
orro
lein
achi
evem
ento
fove
rall
targ
ets.
She
requ
este
dfo
rcle
arin
gpe
nden
cyin
resp
ect
ofop
enin
gof
acco
unts
ofSH
Gs
and
tofo
llow
Res
erve
Bank
ofIn
dia
guid
elin
esas
inst
ance
sof
insi
sten
ceon
PAN
card
ofev
ery
mem
bero
faSH
Gw
ere
repo
rted.
Con
vene
rSLB
Cin
form
edth
atva
rious
rela
ted
issu
esw
ere
disc
usse
din
deta
ildu
ring
aSL
BCsu
b-co
mm
ittee
mee
ting
held
atPu
neon
23.1
1.20
17.
Exec
utiv
eD
irect
or,B
ank
ofM
ahar
asht
raob
serv
edth
atM
ahar
asht
raw
asw
ayah
ead
ofm
any
stat
esin
resp
ecto
fpro
gres
sun
der
SHG
bank
linka
gepr
ogra
mm
e.H
eco
ngra
tula
ted
the
priv
ate
sect
orba
nks
for
thei
rgoo
dpe
rform
ance
.
Bank
ers
toup
date
data
onN
RLM
porta
lre
gula
rly,d
ispo
seof
fall
pend
ing
case
s,an
dob
serv
eR
eser
veBa
nkof
Indi
agu
idel
ines
whi
leop
enin
gac
coun
tsof
SHG
s.
Mem
ber
Bank
s
-
12
Con
vene
r-SL
BC
Mah
aras
htra
11/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
Actio
nPo
int
Actio
nby
MD
,MPB
CD
Cin
form
edab
outc
erta
inin
form
atio
nth
atw
asst
illaw
aite
dfro
mso
me
ofth
em
embe
rban
ksin
resp
ecto
fthe
irde
btw
aive
rsch
eme
2011
.He
requ
este
dth
ese
bank
sto
com
ply
with
requ
ired
form
aliti
esat
the
earli
est.
He
also
requ
este
dm
embe
rban
ksto
clea
rall
case
ssp
onso
red
byM
PBC
DC
onpr
iorit
yba
sis
and
topr
ovid
eut
ilizat
ion
certi
ficat
ew
ithou
tfai
l.
Exec
utiv
eD
irect
or,B
ank
ofM
ahar
asht
raop
ined
that
thou
ghLe
adD
istri
ctM
anag
ers
wer
eno
tsan
ctio
ning
auth
oriti
es,t
hey
can
revi
ew/m
onito
rpro
gres
sof
sanc
tions
/di
sbur
sem
entb
yba
nks
unde
rGov
ernm
ent
Spon
sore
dSc
hem
esdu
ring
bloc
kle
vela
nddi
stric
tlev
elm
eetin
gs.
ACS,
Fina
nce,
Gov
ernm
ento
fMah
aras
htra
sugg
este
dth
atD
istri
ctC
olle
ctor
sw
hoar
ech
airp
erso
nsof
dist
rictl
evel
fora
may
bein
volv
edac
tivel
yin
the
proc
ess.
Join
tSec
reta
ry,D
epar
tmen
tofF
inan
cial
Serv
ices
sugg
este
dca
seby
case
anal
ysis
fori
mpr
oved
perfo
rman
ce.
Rep
rese
ntat
ive
ofKV
ICur
ged
bank
ers
toin
form
sanc
tions
/rej
ectio
nsim
med
iate
lyto
avoi
dpe
nden
cy.
Con
cern
edm
embe
rba
nks
toco
mpl
ete
the
form
aliti
esur
gent
ly.
Mem
berb
anks
tocl
ear
allp
endi
ngca
ses
urge
ntly
and
prov
ide
utiliz
atio
nce
rtific
ate
Mem
ber
Bank
sas
per
listp
rovi
ded
inth
eag
enda
note
s
Mem
ber
Bank
s
-
13
Con
vene
r-SL
BC
Mah
aras
htra
12/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
Actio
nPo
int
Actio
nby
Con
vene
r,SL
BCin
form
edth
eho
use
abou
tba
nkw
ise
/dis
trict
wis
edi
sagg
rega
tion
ofN
ULM
targ
ets
for2
017-
18an
dav
aila
bilit
yon
SLBC
web
site
.He
obse
rved
that
NU
LMta
rget
sre
ceiv
edfro
mD
irect
orat
eof
Mun
icip
alAd
min
istra
tion
wer
eno
tco
nsis
tent
with
thos
ein
form
edby
Min
istry
ofH
ousi
ngan
dU
rban
Pove
rtyAl
levi
atio
nth
roug
hR
BI.H
ere
ques
ted
Dire
ctor
ate
ofM
unic
ipal
Adm
inis
tratio
n,M
umba
ito
clar
ifyth
eis
sue
soth
atre
alis
ticta
rget
sfo
rthe
year
2017
-18
coul
dbe
conv
eyed
toal
lco
ncer
ned.
Rep
rese
ntat
ive
ofIF
CIi
nfor
med
abou
tC
redi
tEnh
ance
men
tGua
rant
eeSc
hem
efo
rSc
hedu
led
Cas
tes
(CEG
SSC
).H
eur
ged
all
conc
erne
dto
take
bene
fitof
the
sche
me
asad
vanc
esun
dert
hesc
hem
ew
ere
cove
red
unde
rits
guar
ante
ean
dth
ere
wer
eno
chan
ces
ofsl
ippi
ngof
any
acco
unti
nto
NPA
cate
gory
.
Exec
utiv
eD
irect
or,B
ank
ofM
ahar
asht
rare
ques
ted
repr
esen
tativ
eof
IFC
Ito
prov
ide
rele
vant
liter
atur
efo
rdis
sem
inat
ion
amon
gba
nks.
Dire
ctor
ate
ofM
unic
ipal
Adm
inis
tratio
n,M
umba
ito
clar
ifyth
eis
sue
rega
rdin
gin
cons
iste
ncy
inN
ULM
targ
ets
for
2017
-18.
IFC
Ito
prov
ide
liter
atur
eab
outt
heir
sche
me
DoM
A,G
oM
IFC
I
-
14
Con
vene
r-SL
BC
Mah
aras
htra
13/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
Actio
nPo
int
Actio
nby
6Im
pact
ofLo
wLe
velC
redi
tSe
rvic
esin
Sche
dule
dAr
eas
Toim
prov
eth
elo
wle
velo
fcre
diti
nth
esc
hedu
led
area
bloc
ks,C
onve
ner,
SLBC
sugg
este
das
unde
r:
He
requ
este
dth
eG
over
nmen
taut
horit
ies
toex
plor
eth
epo
ssib
ility
ofcr
eatin
gad
equa
tein
frast
ruct
ure
fori
ncre
asin
gth
ele
velo
fcr
edit.
Furth
er,h
esu
gges
ted
that
the
mov
emen
tofS
HG
befo
cuse
din
the
area
soas
toha
veco
mm
unity
finan
cing
inth
ear
ea.H
eal
sosu
gges
ted
stre
ngth
enin
gof
Bank
Mitr
asin
the
sche
dule
dar
eas
tom
obiliz
ecr
edit.
He
urge
dth
eLD
Ms
tore
view
prog
ress
offin
ance
and
ACP
achi
evem
ents
inD
LCC
mee
tings
regu
larly
.
The
Stat
eG
over
nmen
tto
expl
ore
the
poss
ibilit
yof
crea
ting
adeq
uate
infra
stru
ctur
ein
the
sche
dule
dar
eas.
Bank
sto
stre
ngth
enba
nkm
itras
depl
oyed
byth
emin
the
sche
dule
dar
eas
and
focu
sle
ndin
gto
SHG
sin
the
sche
dule
dar
eas.
LDM
sto
revi
ewpr
ogre
ssof
finan
cean
dAC
Pac
hiev
emen
tsin
DLC
Cm
eetin
gsre
gula
rly.
Con
cern
edde
partm
ento
fG
oM
Mem
ber
Bank
s
LDM
s
7R
egul
aris
sues
tobe
disc
usse
ddu
ring
SLBC
mee
tings
Dai
ryEn
trepr
eneu
rshi
pD
evel
opm
entS
chem
e
Sanc
tion
oflo
ans
byba
nks
totra
ined
cand
idat
esun
dert
heC
entra
lSec
torS
chem
eE
stab
lishm
ento
fAgr
i-Clin
ics
Rep
rese
ntat
ive
ofN
ABAR
Dur
ged
mem
ber
bank
sto
log
inre
gula
rlyon
ENSU
RE
porta
lof
NAB
ARD
and
shar
ein
form
atio
n.
Rep
rese
ntat
ive
ofM
ANA
GE,
Hyd
erab
adob
serv
edth
atth
ere
was
cons
ider
able
dela
yin
clai
min
gsu
bsid
ype
rtain
ing
topr
opos
als
unde
rAC
ABC
sche
me
and
urge
dm
embe
r
Mem
berb
anks
tosh
are
info
rmat
ion
bylo
ggin
gin
regu
larly
onEN
SUR
Epo
rtal.
Mem
berB
anks
todi
spos
eof
fall
the
pend
ing
prop
osal
sun
dert
hesc
hem
e,
Mem
ber
Bank
s
Mem
ber
Bank
s
-
15
Con
vene
r-SL
BC
Mah
aras
htra
14/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
Actio
nPo
int
Actio
nby
and
Agri-
Busi
ness
Cen
tres
(AC
ABC
)ba
nks
tosu
bmit
rela
ted
clai
ms
toN
ABAR
Dat
the
earli
est.
He
also
appr
aise
dth
eho
use
abou
tlar
gepe
nden
cyof
prop
osal
sun
der
ACAB
C.
He
info
rmed
the
hous
eab
outa
nin
terfa
ceof
bank
ers
and
agrip
rene
urs
tobe
cond
ucte
dby
MAN
AGE
atPu
nesh
ortly
.
subm
ital
lpen
ding
clai
ms
and
repo
rtco
mpl
ianc
eto
NAB
ARD
.
MAN
AGE
will
cond
uct
the
inte
rface
MAN
AGE
8Pr
adha
nM
antri
Awas
Yoja
na(P
MAY
)R
epre
sent
ativ
eof
NH
Bin
form
edab
out
the
prog
ress
ofth
esc
hem
ein
the
Stat
e.Fo
rsu
cces
sful
impl
emen
tatio
nof
CLS
Sin
the
Stat
e,it
has
been
sugg
este
dby
NH
Bas
unde
r:
1.SL
BCis
the
SLN
Afo
rth
isve
rtica
lw
here
asth
eM
issi
onD
irect
orat
eis
the
SLN
Afo
rth
eot
her
3ve
rtica
lsvi
z.In
-Si
ture
deve
lopm
ent,
Affo
rdab
leH
ousi
ngin
Partn
ersh
ips
and
bene
ficia
ryle
dco
nstru
ctio
ns.
Invi
ewof
two
SLN
Asin
the
stat
e,co
-ord
inat
ion
isdi
fficu
ltan
dSL
BCm
ayta
keup
this
issu
ew
ithth
eSt
ate
Gov
ernm
entf
ora
sing
leSL
NA
2.Th
eBa
nks
have
been
assi
gned
targ
ets
byN
HB
and
itsh
ould
beth
eir
ende
avou
rto
achi
eve
the
targ
ets
3.Ea
chBa
nksh
ould
have
anin
depe
nden
tTo
llFr
eeN
o.fo
ran
swer
ing
quer
ies
rela
ted
toPM
AY-C
LSS
asm
any
ofth
equ
erie
sar
edi
rect
lyra
ised
byth
e
Gov
ernm
ento
fM
ahar
asht
rato
look
into
the
mat
ter.
Mem
berB
anks
tom
ake
focu
sed
effo
rtsto
impr
ove
perfo
rman
ceun
derP
MAY
and
achi
eve
targ
ets.
Hou
sing
Dep
t.G
oM
Mem
ber
Bank
s
-
16
Con
vene
r-SL
BC
Mah
aras
htra
15/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
Actio
nPo
int
Actio
nby
borr
ower
sto
NH
Bw
ithou
tap
proa
chin
gth
ere
spec
tive
Bank
s4.
Ther
ear
ece
rtain
com
plai
nts
rais
edby
the
borr
ower
san
dth
ese
are
regi
ster
edat
the
cent
ralis
edco
mpl
aint
sce
llat
NH
Ban
dfo
rwar
ded
toth
eBa
nks
from
time
totim
e.Th
eBa
nks
need
sto
addr
ess
thes
eco
mpl
aint
squ
ickl
yas
thes
ear
eal
som
onito
red
atth
eve
ryhi
ghes
tlev
els.
5.A
join
tw
orks
hop
tobe
cond
ucte
dby
NH
Ban
dth
eSL
BCin
Pun
e/M
umba
iat
the
earli
estt
opr
opag
ate
the
sche
me
asw
ell
asa
book
let
onth
esc
hem
ein
clud
ing
the
succ
ess
stor
ies
ofth
eBa
nks
can
bere
leas
edon
this
occa
sion
.
Mem
berb
anks
tore
dres
sgr
ieva
nces
ifan
yat
the
earli
est
NH
Ban
dSL
BCto
cond
ucta
join
tw
orks
hop
Mem
ber
Bank
s
NH
Ban
dSL
BC
9Al
igni
ngR
oadm
apfo
runb
anke
dvi
llage
sha
ving
popu
latio
nm
ore
than
5000
with
revi
sed
guid
elin
eson
Bran
chau
thor
izat
ion
Polic
y
Con
vene
r,SL
BCin
form
edab
outR
eser
veBa
nkof
Indi
as
inst
ruct
ions
toal
ign
the
road
map
with
revi
sed
guid
elin
eson
Bran
chAu
thor
isat
ion
Polic
yan
dob
serv
edth
atbr
anch
esw
ere
open
edon
lyat
18ce
ntre
sof
the
iden
tifie
d28
0.H
eur
ged
toen
sure
that
the
unba
nked
rura
lcen
tres
with
popu
latio
nab
ove
5000
are
bank
edfo
rthw
ithby
open
ing
ofC
BSen
able
dba
nkin
gou
tlets
by31
.12.
2017
.He
also
info
rmed
that
the
deta
iled
listo
fdis
trict
wis
ece
ntre
sw
here
bank
bran
ches
/CBS
enab
led
bank
ing
outle
tsw
ere
tobe
open
edw
asav
aila
ble
onSL
BCw
ebsi
te.H
ere
ques
ted
LDM
sto
Bank
sto
peru
seth
elis
tan
dsu
bmit
ast
atus
repo
rton
open
ing
ofth
eirb
ranc
hes
/CBS
enab
led
bank
ing
outle
tsat
the
allo
tted
cent
res
toR
eser
veBa
nkof
Indi
aw
itha
copy
endo
rsed
toSL
BC.T
heex
erci
sebe
com
plet
edby
31.1
2.20
17.
Lead
Dis
trict
Man
ager
sto
subm
ita
mon
thly
Mem
ber
Bank
s
LDM
s
-
17
Con
vene
r-SL
BC
Mah
aras
htra
16/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
Actio
nPo
int
Actio
nby
subm
ita
mon
thly
repo
rton
stat
usof
open
ing
ofC
BSen
able
dba
nkin
gou
tlets
inpr
escr
ibed
form
atw
ithef
fect
from
31.0
7.20
17.
repo
rton
stat
usof
open
ing
ofC
BSen
able
dba
nkin
gou
tlets
inpr
escr
ibed
form
at.
10U
seof
Reg
iona
lLan
guag
eC
onve
ner,
SLBC
info
rmed
abou
tva
rious
quer
ies
from
mem
ber
bank
sab
out
use
ofre
gion
alla
ngua
gein
day
toda
yba
nkin
gac
tiviti
es.H
eas
ked
the
mem
bers
tore
fert
oR
eser
veBa
nkof
Indi
aci
rcul
ardt
d.01
.07.
2015
inth
isre
gard
and
requ
este
dto
note
the
prov
isio
nsan
den
sure
stric
tim
plem
enta
tion
ofth
esa
me.
Mem
berB
anks
tore
fer
toth
eR
eser
veBa
nkof
Indi
aci
rcul
ardt
d.01
.07.
2015
and
com
ply
acco
rdin
gly.
Mem
ber
Bank
s
11Le
adBa
nkSc
hem
e
Con
duct
ofSt
ate
Leve
lBan
kers
Com
mitt
ee(S
LBC
)mee
tings
fort
heye
ar20
18
The
cale
ndar
ofpr
ogra
mm
efo
rSLB
Cm
eetin
gsfo
r201
8w
assu
bmitt
edfo
rco
nsid
erat
ion
byth
eho
use.
Con
vene
r,SL
BCin
form
edth
atm
eetin
gsw
ould
beco
nduc
ted
aspe
rthe
cale
ndar
.
Con
vene
r,SL
BCal
soad
vise
dal
lthe
Lead
Dis
trict
Man
ager
sto
info
rmth
eca
lend
arfo
rD
LCC
mee
tings
tobe
held
durin
g20
18to
SLBC
.
Cal
enda
rfor
SLBC
mee
tings
tobe
held
in20
18st
ands
appr
oved
byth
eho
use.
AllL
ead
Dis
trict
Man
ager
sto
info
rmD
LCC
cale
ndar
for2
018
toSL
BCan
dto
ensu
rest
ricta
dher
ence
toth
eca
lend
arin
resp
ecto
fco
nduc
tofD
LCC
mee
tings
.
AllL
ead
Dis
trict
Man
ager
s
-
18
Con
vene
r-SL
BC
Mah
aras
htra
17/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
Actio
nPo
int
Actio
nby
12Fl
owof
cred
itto
Mic
roan
dSm
all
Ente
rpris
esC
onve
ner,
SLBC
requ
este
dal
lmem
ber
bank
sto
note
the
Prim
eM
inis
ters
Task
Forc
eTa
rget
sas
unde
r:
Min
imum
10%
annu
algr
owth
innu
mbe
rof
mic
roen
terp
rise
acco
unts
To
achi
eve
60%
allo
catio
nof
Mic
roEn
terp
rises
toto
tale
xpos
ure
ofM
icro
and
Smal
lEnt
erpr
ises
To
achi
eve
a20
%ye
ar-o
n-ye
argr
owth
incr
edit
toM
icro
and
Smal
lent
erpr
ises
toen
sure
enha
nced
cred
itflo
w.
He
info
rmed
that
vario
usre
late
dis
sues
wer
edi
scus
sed
inde
tail
durin
ga
SLBC
sub-
com
mitt
eem
eetin
ghe
ldat
Pune
on24
.11.
2017
and
urge
dth
em
embe
rban
ksto
com
ply
with
Res
erve
Bank
ofIn
dia
guid
elin
eson
fram
ewor
kfo
rrev
ival
and
reha
bilit
atio
nof
MS
MEs
byre
ferri
ngac
coun
tsun
derS
MA
cate
gory
toth
eco
mm
ittee
with
spec
ific
emph
asis
onch
roni
cca
ses
with
outf
ail.
He
info
rmed
abou
tRBI
ssu
rvey
tofin
dou
tcl
uste
rsof
MS
MEs
that
are
notf
orm
ally
iden
tifie
d/r
ecog
nise
das
MS
ME
clus
ters
byM
inis
tryof
MS
ME,
UN
IDO
etc.
and
stre
ssed
the
need
tofa
cilit
ate
cred
itflo
wto
thes
eun
itsth
roug
hba
nkin
gch
anne
ls.
Bank
ers
tono
teth
ecl
uste
rsan
dca
tert
oth
ecr
edit
need
sof
thes
eun
its.
Mem
berb
anks
tono
teth
egu
idel
ines
for
com
plia
nce
Mem
ber
Bank
s
Mem
ber
Bank
s
-
19
Con
vene
r-SL
BC
Mah
aras
htra
18/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
Actio
nPo
int
Actio
nby
He
requ
este
dLe
adD
istri
ctM
anag
ers
tom
onito
rthe
activ
ityan
dsu
bmit
repo
rtto
SLBC
inth
efo
rmat
prov
ided
.
Lead
Dis
trict
Man
ager
sto
mon
itort
heac
tivity
and
subm
itqu
arte
rlyre
port
toSL
BCin
pres
crib
edfo
rmat
.
LDM
s
13M
onito
ring
Flow
ofC
redi
tto
Vario
usse
ctor
sof
Econ
omy
&C
redi
tto
Min
ority
Com
mun
ities
Prin
cipa
lSec
reta
ry,M
inor
ityD
evel
opm
ent,
GoM
obse
rved
that
only
6ba
nks
coul
dac
hiev
eth
est
ipul
ated
targ
etof
15%
asat
the
end
ofth
efir
stqu
arte
roft
hecu
rren
tfin
anci
alye
ar.H
ein
stru
cted
the
bank
ers
tola
unch
spec
iald
rives
inm
inor
ityco
ncen
trate
ddi
stric
tsfo
rach
ievi
ngta
rget
byM
arch
2017
.
Con
vene
r,SL
BCin
form
edth
atth
elis
tof
min
ority
conc
entra
ted
dist
ricts
was
alre
ady
shar
edw
ithal
lcon
cern
edan
dw
asal
soav
aila
ble
onSL
BCw
ebsi
te.H
eal
soin
form
edth
atva
rious
rela
ted
issu
esw
ere
disc
usse
din
deta
ildu
ring
aSL
BCsu
b-co
mm
ittee
mee
ting
held
atPu
neon
02.1
2.20
17.
Exec
utiv
eD
irect
or,B
ank
ofM
ahar
asht
rasu
gges
ted
that
cons
ciou
sef
forts
byba
nks
inth
ear
eas
ofda
tacl
eani
ngan
dpr
oper
repo
rting
wou
ldim
prov
eth
epe
rform
ance
toa
larg
eex
tent
.
Mem
berb
anks
tola
unch
spec
iald
rives
inth
em
inor
ityco
ncen
trate
ddi
stric
tsof
Mah
aras
htra
and
mak
eal
lout
effo
rtsto
achi
eve
the
stip
ulat
edta
rget
.
Mem
berB
anks
togi
vesp
ecia
latte
ntio
nto
data
clea
ning
and
prop
erre
porti
ngin
resp
ecto
ffin
ance
tom
inor
ityco
mm
uniti
es.
Mem
ber
Bank
s
Mem
ber
Bank
s
-
20
Con
vene
r-SL
BC
Mah
aras
htra
19/2
3
Sr.
No.
Agen
daIte
mD
iscu
ssio
nsH
eld
Actio
nPo
int
Actio
nby
Oth
erIs
sues
Prad
han
Man
triAw
asYo
jana
G
ram
in(P
MAY
G
)
Gen
eral
Con
vene
r,SL
BCin
form
edab
out
com
mun
icat
ion
rece
ived
from
Stat
eM
anag
emen
tUni
t-R
ural
Hou
sing
,G
over
nmen
tofM
ahar
asht
ra.I
thas
been
requ
este
dth
atun
derP
MAY
-Gsc
hem
eof
Gov
ernm
ento
fMah
aras
htra
,ben
efic
iarie
sof
SC,S
Tan
dla
ndle
ssla
bour
ers
befa
cilit
ated
toav
aili
nstit
utio
nalf
inan
ceup
toR
s.70
,000
/-.
Lead
Dis
trict
Man
ager
,Hin
goli
enqu
ired
abou
tsec
urity
fora
dvan
ces
toG
reen
Hou
ses
and
scal
eof
finan
ceth
ereo
n.
Con
vene
r,SL
BCin
form
edth
atas
finan
ceto
gree
nho
uses
cam
eun
derp
riorit
yse
ctor
,re
late
dgu
idel
ines
beob
serv
ed.A
sre
gard
sco
llate
rals
ecur
ity,h
ein
form
edth
atit
was
unde
rthe
purv
iew
ofin
divi
dual
bank
s.H
ein
form
edth
atsc
ale
offin
ance
fora
dvan
ces
togr
een
hous
esw
asav
aila
ble.
Mem
berB
anks
tono
teth
epr
ovis
ions
for
com
plia
nce.
Mem
ber
Bank
s
-
21
Convener - SLBC Maharashtra
20 / 23
Annexure II
List of Participants of 137th SLBC Meeting held on 07.12.2017 at Mumbai
Sr.No. Name of the Participant Designation / Institution
Central Government1 Ms Vandita Kaul Jt. Secretary, DFS, Ministry of Finance2 Shri R.B. Gupte Director, MSME Dev. Institute3 Shri C. Ramesh Rao Dy. Gen. Manager, NSFDC4 Shri Amit Bhatia Manager, NSFDC5 Shri Manoj Kumar Thakur HT, EPFO
State Government1 Shri D.K. Jain Additional Chief Secretary, Agri & Finance2 Shri Shyam Tagade Principal Secretary, Minorities Development3 Shri Debashish Chakrabarty Principal Secretary, Planning4 Shri Bijay Kumar Principal Secretary, Agriculture5 Smt R. Vimala CEO, MSRLM6 Shri Rajesh Doiphode Dept. of Industries7 Mrs. A.S., Puranik Manager, LIDCOM8 Shri A.B. Waghmare Asstt., LIDCOM9 Shri Anil Bansode Jt. Director Agri
10 Shri S.K. Kenjale Dy. CEO, KVIB11 Shri Anil Kadwadkar Sr. Executive, KVIC12 Shri M.T. Wankhede Asstt. Director, KVIC13 Shri M.S. Wankhede Asstt. Director, KVIC14 Shri M.S. Karol Asstt. Director, KVIC, Mumbai15 Ms Aruna Dalvi Sr. Asstt. KVIB, Mumbai16 Shri Rakesh Bedh M.D., MPBCDC Ltd.17 Shri D.K. Magar Dy. Gen. Manager, LASDC18 Shri P.B. Temghare MM ( FI) , MSRLM- Mumbai19 Shri Pankaj Jadhav MSRLM- Mumbai20 Shri A.S. Lomte Dy. General Manager, MSOBCFDC21 Shri R.M. Meshram Asstt. General Manager, MSOBCFDC22 Shri Mahesh Kokare Dy. Manager, MAVIM23 Shri M.N. Hire Jt. Director DMA, Mumbai24 Shri Nilesh Dange SMM-HR & CBT, DMA, Mumbai25 Shri V. Ashish Kumar NRP, NRLM26 Shri R.N. Kolte Representative Textiles Dept, GoM, NagpurReserve Bank of India1 Dr. S. Rajagopal Regional Director, Maharashtra & Goa2 Smt. Indrani Banerjee Regional Director, Nagpur3 Shri Madhukar Jadhav General Manager, FIDD, Mumbai4 Shri B.M. Kori Asstt. General Manager, FIDD, Mumbai5 Shri G. Rajsekaran Manager, Nagpur
NABARD1 Dr. R N Kulkarni Chief General Manager, MRO, Pune2 Shri Raymond B DSouza Dy.Gen Manager, NABARD, Pune3 Ms Usha Mahesh Asstt. Gen Manager, NABARD, Pune
HUDCO1 Shri Praveen K.K. Asstt. Gen. Manager
-
22
Convener - SLBC Maharashtra
21 / 23
Sr.No. Name of the Participant Designation / Institution
Apex Banks1 Shri A.C. Mouli Dy.Gen Manager, SIDBI2 Rekha Surti Regional Manager, National Housing Bank
Commercial Banks.1 Shri A.C. Rout Executive Director, Bank of Maharashtra2 Shri J.A. Onkar Chief Manager, Allahabad Bank3 Shri G. Malleswara Rao Chief Gen. Manager, Andhra Bank4 Shri A.D. Parulkar General Manager, Bank of Baroda5 Shri K S Prakash Dy. General Manager, Bank of India6 Shri Dipesh Dipankar Manager, Bank of India7 Shri M.M. Kulkarni Chief Manager, Bank of Maharashtra8 Shri Shriram Bhor Sr. Manager, Bank of Maharashtra9 Shri R.K. Swain General Manager, Canara Bank
10 Shri S.R. Khatik General Manager Central Bank of India11 Shri S.B. Humne Chief Manager, Central Bank of India12 Shri P. Rajendran Dy. Gen. Manager, Corporation Bank13 Shri P.K. Sahu Dy. Gen. Manager, Dena Bank14 Shri Ajit Ingle General Manager. IDBI Bank15 Shri V. Joogulappa Dy. Gen. Manager, IDBI Bank16 Shri Anil Kumar Dy. Gen. Manager, Indian Overseas Bank17 Shri Mahesh Ghule Manager, Indian Overseas Bank18 Shri Jayant Verma Chief Manager, Oriental Bank of Commerce19 Shri Ramesh Kumar Malhan Asstt. Gen. Manager, Punjab National Bank20 Shri Bipin Aharwar Sr. Manager, Punjab & Sind Bank21 Shri Devendra Kumar General Manager , State Bank of India22 Shri Naval Kishore Mishra Dy. Gen. Manager, State Bank of India23 Shri Vivek Newalkar Chief Manager, State Bank of India24 Shri N.G. Hegde Asstt. Gen. Manager, Syndicate Bank25 Shri S.S. Chahande Dy. Gen. Manager, UCO Bank26 Shri JKV Menon Asstt. Gen. Manager, UCO Bank27 Shri M. Venkatesh Gen. Manager, Union Bank of India28 Shri Prashant Talekar RDO, Union Bank of India29 Smt. Archana Kukian Chief Manager, United Bank of India30 Shri Jaikishan M. Asstt. Gen. Manager, Vijaya Bank31 Shri Ashish Ganorkar DVP, Axis Bank32 Shri Vijay Dubey AVP, Axis Bank33 Shri Philip Abraham DVP, Federal Bank34 Shri R. Vardharajan Head, Key Accounts, HDFC Bank35 Dr. Sameer Agrawal VP, HDFC Bank36 Shri Vilas Dhurandhar Asstt. Gen. Manager, ICICI Bank37 Shri Sameer Kulkarni Regional Manager, ICICI Bank38 Shri Satheesha Shetty Dy. Gen. Manager, Karnataka Bank39 Shri Rahul Kadam VP, Kotak Mahindra Bank Ltd.40 Shri Naresh Kumar Head, Rural Banking, RBL Bank41 Shri Vijay Parab Business Project Manager, Yes Bank42 Shri Gaurav Singh Sr. Manager, Bandhan Bank43 Smt. Manasi Mulik Sr. Manager, Indusind Bank44 Shri S.S. Naykal Manager, Indusind Bank
-
23
Convener - SLBC Maharashtra
22 / 23
Sr.No. Name of the Participant Designation / Institution
Small Finance Banks1 Shri Imran Sarang Cluster Head AU SF Bank2 Smt. Namrata Maheshwari ROSM, AU SF Bank3 Shri Jatin Ahi Sr. V.P. Equitas SF Bank4 Shri Atul Patil DVP, Equitas SF Bank5 Shri Sajid Shaikh DVP, Equitas SF Bank6 Shri Yogesh Dixit CRF, Suryoday SF Bank7 Shri Vikram Shingade Regional Manager, Ujjivan SF Bank8 Shri G.S. Reddy Head, Treasury, Utkarsh SF Bank9 Shri Clifford Pereira Branch Head, Utkarsh SF Bank
Regional Rural Banks1 Shri S D S Carapurcar Chairman, Vidharbha Konkan Gramin Bank2 Shri Sitaram Sawant Gen. Manager, Vidharbha Konkan Gramin Bank3 Shri U.V. Rao Chairman, Maharashtra Gramin Bank4 Shri Gangadhar Wakade Chief Gen. Manager, Maharashtra Gramin Bank
M.S. Cooperative Bank1 Dr. Ajit Deshmukh Managing Director2 Shri S.B. Jadhav Joint Manager
Lead District Managers1 Shri T.D. Gaikwad LDM, AKOLA2 Shri Jitendra Kumar Jha LDM,AMRAVATI3 Shri P.S. Kutwal LDM, AURANGABAD4 Shri Vijay Chavan LDM, BEED5 Shri R.S. Khandekar LDM, BHANDARA6 Shri P.N. Shrote LDM, BULDHANA7 Shri S.K. Jha LDM, CHANDRAPUR8 Shri Pradeep Gilankar LDM, DHULE9 Shri P.M. Bhosale LDM, GADCHIROLI
10 Shri D.K. Silare LDM, GONDIA11 Shri P R Shinde LDM, HINGOLI12 Shri N.M. Ilamkar LDM, JALNA13 Shri S G Kininge LDM, KOLHAPUR14 Shri S.R. Burde LDM, LATUR15 Shri S. V. Sapte LDM, Mumbai City16 Shri Gadadhar Sethi LDM, MUMBAI SUBURB17 Shri Ayub Khan LDM, NAGPUR18 Shri B.V. Barve LDM, NASIK19 Shri Nilesh Mohan Vijaykar LDM, OSMANABAD20 Shri Anil Sawant LDM, PALGHAR21 Shri Ram Kharatmal LDM, PARBHANI22 Shri A.V. Bedekar LDM, PUNE23 Shri A.M. Nandanwar LDM, RAIGAD24 Shri S.U. Adsul LDM, RATNAGIRI25 Shri C.B. Gudaskar LDM, SANGLI26 Shri M.Y. Shirolkar LDM, SATARA27 Shri R.R. Kumhar LDM, SINDHUDURG28 Shri Datta Kulkarni OFFICER, LBO, SOLAPUR29 Shri Anil Sawant LDM, THANE30 Shri W H Kohad LDM, WARDHA
-
24
Convener - SLBC Maharashtra
23 / 23
Sr.No. Name of the Participant Designation / Institution
UIDAI1 Shri Sumnesh Joshi Asstt. Director General
Other1 Shri Sunil Kasture State Director, RSETIs2 Shri Dharam Pal Rauhilla Dy. Gen. Manager, IFCI Ltd.3 Shri Suresh Kumar Asstt. Gen. Manager, IFCI Ltd.4 Shri Mahesh Mane Consultant, MANAGE
Convener Bank Bank of Maharashtra1 Shri V.U. Mhaske General Manager, Convener, SLBC2 Shri A.B. Thorat Dy. Gen. Manager, Member Secretary, SLBC3 Shri D.B. Deshmukh Asstt. Gen. Manager, FI & SLBC4 Shri S.P. Zele Chief Manager, SLBC5 Shri Amit Teke Senior Manager, SLBC6 Shri P.M. Walunjkar Manager, SLBC
-
25
Disbursement of Crop Loans under Annual Credit Plan A) Review of Progress under lending for Crop Loans under ACP 2017-18
Special emphasis is given to lending for crop loans so that each farmer in the state is provided with credit facility. The progress is reviewed frequently at various forums. The present status of achievement vis--vis targets for crop loans is as under:
Comparative Performance ` in crore
Sr. No. Agency
31.01.2017 31.01.2018 YoY %
growthTarget Ach % Ach Target Ach % Ach
1 Public Sector Banks 26515 18779 71 29005 9805 34 -48
Share 52 51 53 44
2 Private Sector Banks 4127 2715 66 4570 2531 55 -7
Share 8 7 8 11
CBs 30642 21494 70 33575 12336 37 -43Share 60 58 62 56
3 RRBs 3045 2029 67 3055 665 22 -67Share 6 5 6 3
Sub total SCBs 33686 23522 70 36630 13001 35 -45Share 66 63 68 59
4 DCCBs 17549 13577 77 17591 9093 52 -33Share 34 37 32 41
Total 51235 37099 72 54221 22095 41 -40
As of 31.01.2018, the overall achievement by banks in the State is 41% of the annual target of Rs.54,221 crore showing negative YOY growth. Achievement during same period of the previous year was to the extent of 72%. Reasons for low credit off take this year can be attributed to the announcement / implementation of farm loan waiver scheme by Government of Maharashtra.
District wise, Bank wise and Agency wise position of crop loans as of 31.10.2017 as reported by Lead District Managers is given in Annexure 2.1 to 2.3. Government of India as well as Government of Maharashtra have allowed interest subvention to Private Sector Banks. The targets were allotted in view of the same. During the current year, these banks have shown negative YoY growth (-7%) in crop loan disbursement over last year. Their achievement level is 55% as against 66% for last year.
Agenda No. 2
-
26
However, there is a need to gear up the machinery for achievement of targets. We request all the bankers to speed up the process of disbursement of crop loans and surpass the annual targets well ahead of time. Various issues pertaining to crop loan disbursements were discussed in a SLBC sub-committee meeting held on 15.02.2018 at Pune. Minutes of the meeting are being circulated separately.
Review of Annual Credit Plan 2017-18 The comparative position of Annual Credit Plan for the last 3 years is as under:
` in crore
Sector 2014-15 2015-16 2016-17
Tar. Ach. % Ach Tar. Ach. %
Ach Tar. Ach. %
AchAgriculture 57292 55961 98 66748 72865 109 77458 96778 125Of which Crop Loans 39432 34100 86 44319 40581 92 51235 42173 82
Other Priority 100000 90085 90 119871 127566 106 177445 147631 83Total Priority 157292 146046 93 186619 200431 107 254903 244409 96Non Priority 142708 879065 616 165862 954183 575 197351 819111 415Grand Total 300000 1025111 342 352481 1154614 328 452254 1063520 235
Review of Performance under ACP 2017-18
For the year 2017-18, SLBC has accepted an ambitious target of Rs. 2,90,829 crore (Annexure 2.4) under priority sector, which, at 14 % growth over earlier year, is one of the highest in the country. Highlights of disbursements and outstandings as of 31.12.2017 are given below:
` in crore
Ann Tar Disb %
Ach O/S Ann Tar Disb %
Ach O/S
2016-17 Dec - 16 Dec - 16 2017-18 Dec - 17 Dec - 17 Agriculture 77,458 83,402 108 3,22,567 77,207 41,020 53 1,63,297Other Pri 1,77,445 80,391 45 2,41,787 2,13,622 1,23,884 58 2,62,891Total Pri 2,54,903 1,86,298 73 5,64,354 2,90,829 1,64,904 57 4,26,188
In the third Quarter of the year 2017-18, the achievement is 57% of the Priority Sector target. During the corresponding period of previous year the achievement was 73%. In absolute terms, disbursements under agricultural loans as well as overall Priority Sector loans showed negative growth Year to Year owing to low off take in Agri sector. However, disbursements under Other Priority sector constituting of MSME, Export Credit, Education, Housing, Social Infrastructure, Renewable Energy and others, showed a rise of Rs. 43,493 crore in absolute terms at 54% Year to Year.
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27
Detailed information on disbursements and outstanding balances is given in MIS II & III formats (Annexure 2.5 and 2.6). The highlights are given below:
Chhatrapati Shivaji Maharaj Shetkari Sanman Yojana (CSMSSY) 2017
Chhatrapati Shivaji Maharaj Shetkari Sanman Yojana (CSMSSY) 2017 is being implemented in the State of Maharashtra and Government of Maharashtra is keenly monitoring the progress under the same. Honble Chief Minister of Maharashtra, during meeting dtd. 08.02.2018 for review of implementation of the scheme observed that some banks were recovering interest from the accounts w.e.f. 01.08.2017 that are eligible for waiver under CSMSSY 2017 and advised to ensure that banks are not recovering interest from these accounts. However, we have been informed that some of the member banks have implemented the guidelines issued by Government of Maharashtra. In this respect, we request reference to Page 5, Point 8 (D) (5) (iv) from Implementation Guidelines on CSMSSY 2017 issued and circulated by Government of Maharashtra for this purpose (Annexure 2.7). Please refer to the letter dtd 09.02.2018 to the above effect from SLBC. We request you to ensure that these guidelines are implemented in letter and spirit. Kindly arrange to report compliance of implementation of the guidelines directly to Government of Maharashtra under copy to SLBC.
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28
Annexure 2.1
Accounts Amount Accounts Amount Accounts Amount1 AHMEDNAGAR 313596 121020 251328 194778 28828 58638 62 48 434616 280156 253416 582 AKOLA 114055 6042 47672 39114 1616 2024 34 33 120097 49288 41138 343 AMRAVATI 159254 34845 41668 43367 1457 2576 27 7 194099 43125 45943 244 AURANGABAD 115185 28851 105820 53944 12881 8024 47 28 144036 118701 61968 435 BEED 192700 34072 62013 33339 10020 8377 17 25 226772 72033 41716 186 BHANDARA 54540 2870 69154 33543 2351 1148 62 40 57410 71505 34692 607 BULDHANA 135600 10200 31500 26246 1775 2657 19 26 145800 33275 28904 208 CHANDRAPUR 85901 7572 73273 48047 1024 1545 56 20 93473 74297 49592 539 DHULE 95000 13000 30435 26872 1666 2398 28 18 108000 32101 29270 27
10 GADCHIROLI 19462 2538 21998 8482 15 10 44 0 22000 22013 8492 3911 GONDIA 21000 2000 34757 14892 118 148 71 7 23000 34875 15040 6512 HINGOLI 88525 15621 38089 15968 984 1010 18 6 104146 39073 16978 16
SLBC MAHARASHTRA : CONVENER - BANK OF MAHARASHTRA
ALL DISTRICTS - MAHARASHTRA STATE
Disbursements under Crop Loans - 31.01.2018Rs. in Lakh
Total
Kharif Rabi Kharif Rabi Kharif Rabi Target Achmnt %
Sr. No. District
Crop Loan Target
ACP 2017-18
Cumulative Achievement from 01.04.17 % Achievement
12 HINGOLI 88525 15621 38089 15968 984 1010 18 6 104146 39073 16978 1613 JALGAON 266780 23219 145466 152355 6986 13514 57 58 289999 152452 165869 5714 JALNA 116719 24447 54292 26192 1824 2594 22 11 141166 56116 28786 2015 KOLHAPUR 129756 86606 143940 107364 30120 20219 83 23 216362 174060 127583 5916 LATUR 154835 38713 173745 72611 48116 20247 47 52 193548 221861 92858 4817 MUMBAI CITY 0 0 0 0 0 0 #DIV/0! #DIV/0! 0 0 0 #DIV/0!18 MUMBAI SUBURB 0 0 0 0 0 0 #DIV/0! #DIV/0! 0 0 0 #DIV/0!19 NAGPUR 83099 30634 55997 58573 5046 5075 70 17 113733 61043 63648 5620 NANDED 152041 40487 91109 42368 3660 5636 28 14 192529 94769 48004 2521 NANDURBAR 55290 13823 16034 22101 1743 3270 40 24 69113 17777 25371 3722 NASIK 280613 120537 39925 78808 9454 22260 28 18 401150 49379 101068 2523 OSMANABAD 130732 56031 64276 40243 8608 6470 31 12 186763 72884 46713 2524 PALGHAR 12000 3000 13629 8981 3846 2104 75 70 15000 17475 11085 7425 PARBHANI 140089 28084 54541 40630 2123 1778 29 6 168173 56664 42408 2526 PUNE 263842 113231 227022 206106 40573 36286 78 32 377073 267595 242392 6427 RAIGAD 18925 3175 28261 14785 3500 2458 78 77 22100 31761 17243 7828 RATNAGIRI 17285 35586 67647 16316 8247 14965 94 42 52871 75894 31281 5929 SANGLI 111321 91685 112910 80988 35640 27564 73 30 203006 148550 108552 5330 SATARA 164956 110070 237172 116802 16720 13928 71 13 275026 253892 130730 4831 SINDHUDURG 23865 6635 29548 20461 5468 4544 86 68 30500 35016 25005 8232 SOLAPUR 157759 237599 58609 91681 33030 57939 58 24 395358 91639 149619 3833 THANE 15364 5136 16577 9916 1256 926 65 18 20500 17833 10842 5334 WARDHA 66000 7000 24245 26560 1683 2168 40 31 73000 25928 28728 3935 WASHIM 115000 5400 37029 30371 226 753 26 14 120400 37255 31124 2636 YAVATMAL 183631 7648 62109 51942 572 1456 28 19 191279 62681 53398 28
Total 4054720 1367377 2561790 1854746 331176 354709 46 26 5422098 2892966 2209456 41
1 Konkan 87439 53532 155662 70459 22317 24997 81 47 140971 177979 95456 682 Marathwada 1090826 266306 643885 325295 88216 54135 30 20 1357133 732101 379431 283 Vidarbha 1037542 116749 499402 381137 15883 19561 37 17 1154291 515285 400698 354 Western Maharashtra 1838913 930790 1262841 1077855 204760 256016 59 28 2769703 1467601 1333871 48
T t l 4054720 1367377 2561790 1854746 331176 354709 46 26 5422098 2892966 2209456 41
MAHARASHTRA - REGION WISE SUMMARY
Total 4054720 1367377 2561790 1854746 331176 354709 46 26 5422098 2892966 2209456 41
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29
Accounts Amount Accounts Amount Accounts Amount1 Allahabad Bank 25398 5612 9630 11049 676 708 44 13 31010 10306 11757 382 Andhra Bank 9144 2346 1341 1668 592 340 18 14 11490 1933 2008 173 Bank of Baroda 95039 32956 22392 37526 3399 5825 39 18 127995 25791 43351 344 Bank of India 192178 97822 85657 93530 25555 37489 49 38 290000 111212 131019 455 Bank of Maharashtra 360611 131335 90537 124747 13168 32903 35 25 491946 103705 157650 326 Bharatiya Mahila Bank7 Canara Bank 52287 20960 8668 9648 1713 1973 18 9 73247 10381 11621 168 Central Bank of India 211216 50140 50785 91834 7200 16222 43 32 261356 57985 108056 419 Corporation Bank 20409 8220 2574 4820 448 1088 24 13 28629 3022 5908 21
10 Dena Bank 76202 24106 16882 25243 3555 5783 33 24 100308 20437 31026 3111 IDBI Bank 80767 33375 18633 29606 2787 6621 37 20 114142 21420 36227 3212 Indian Bank 8027 3728 2066 2896 180 365 36 10 11755 2246 3260 28
SLBC MAHARASHTRA : CONVENER - BANK OF MAHARASHTRA
ALL BANKS - MAHARASHTRA STATE
Disbursements under Crop Loans - 31.01.2018Rs. in Lakh
Total
Kharif Rabi Kharif Rabi Kharif Rabi Target Achmnt %
Sr. No. Bank
Crop Loan Target
ACP 2017-18
Cumulative Achievement from 01.04.17 % Achievement
13 Indian Overseas Bank 17937 6867 5377 8041 894 1986 45 29 24804 6271 10026 4014 Oriental Bank of Commerce 7800 3341 1004 2428 296 738 31 22 11141 1300 3166 2815 Punjab & Sindh Bank 1634 695 32 68 0 0 4 0 2329 32 68 316 Punjab National Bank 29744 10199 5967 9070 2190 2854 30 28 39943 8157 11924 3017 State Bank of Hyderabad18 State Bank of India 804908 215013 198719 282649 37121 51535 35 24 1019922 235840 334184 3319 Syndicate Bank 21984 7769 5077 6361 1063 1464 29 19 29753 6140 7824 2620 UCO Bank 24863 8071 4680 7428 1026 1416 30 18 32934 5706 8845 2721 Union Bank of India 127520 48605 30171 41977 5459 11513 33 24 176125 35630 53490 3022 United Bank of India 2222 1177 74 662 0 0 30 0 3399 74 662 1923 Vijaya Bank 11070 4210 2530 3945 532 820 36 19 15280 3062 4764 31
Sub Total PSBs 2180960 716548 562796 795195 107854 181642 36 25 2897508 670650 976837 3424 Axis Bank 40258 16038 2590 5609 569 1557 14 10 56296 3159 7166 1325 Federal Bank 8833 6988 4333 7151 1871 2280 81 33 15821 6204 9431 6026 HDFC Bank 94920 32742 26741 83429 16591 53173 88 162 127662 43332 136602 10727 ICICI Bank 134555 65188 63762 67455 30514 27567 50 42 199743 94276 95022 4828 Kotak Mahindra Bank Ltd. 18912 8262 658 1727 101 155 9 2 27174 759 1882 729 Karnataka Bank Ltd. 1196 822 98 420 9 26 35 3 2018 107 446 2230 Ratnakar Bank 17199 11112 2497 1848 57 738 11 7 28311 2554 2586 9
Sub Total Pvt Sec Banks 315873 141152 100679 167640 49712 85495 53 61 457025 150391 253135 55A Total Commercial Banks 2498501 859005 663992 966412 157579 267179 39 31 3357506 821584 1233610 3731 Maharashtra Gramin Bank 148722 37105 45452 37039 5090 3331 25 9 185827 50542 40371 2232 Vidarbha Konkan Gramin Bank 96660 23028 30173 24282 1856 1867 25 8 119688 32029 26149 22B Sub Total Gramin Banks 245382 60133 75625 61321 6946 5198 25 9 305515 82571 66519 22
Total SCBs 2743882 919138 739617 1027734 164525 272377 37 30 3663020 904155 1300129 3533 M.S.Coop. / DCC Banks 1310838 448239 1822173 827013 166651 82333 63 18 1759077 1988824 909346 5234 MSCARD 0 0 0 0 0 0 #DIV/0! #DIV/0! 0 0 0 #DIV/0!C Sub Total Co.Op Banks 1310838 448239 1822173 827013 166651 82333 63 18 1759077 1988824 909346 5235 Subhadra Local Area Bank Ltd. 0 0 0 0 0 0 #DIV/0! #DIV/0! 0 0 0 #DIV/0!36 Other Banks 1667 1306 517 3578 13 42 215 3 2973 543 3639 122D Sub Total Other Banks 1667 1306 517 3578 13 42 215 3 2973 543 3639 122
Grand Total 4054720 1367377 2561790 1854746 331176 354709 46 26 5422098 2892979 2209475 41
Annexure 2.2
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30
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