STATE LEVEL BANKERS COMMITTEE, ODISHA

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

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

E-mail: slbc.odisha@ucobank.co.in

संदर्भ स/ंLt No-SLBC/ODI/26/2018-19 ददन ंक / Date: 07.04.2018 To

राज्य स्तरीय बैंकसस समममत, उड़ीशा के सभी सदस्य

All the Members of State Level Bankers’ Committee, Odisha

महोदय/महोदया Sir/Madam,

मिषय: ददनाांक 23 अप्रैल 2018 को होने िाले 150िें एस.एल.बी.सी. बैठक हेतु कायससूची नोट एिां पृष्ठभूमम पत्र । Sub: Agenda Note & Background Papers for 150th SLBC Meeting

to be held on 23rd April 2018.

हमारे पत्र सांख्या एसएलबीसी/ओडीआई/03/2018-19 ददनाांक 03.04.2018 के अनुक्रम में, हम कायससूची नोट एिां पृष्ठभूमम पत्र

आपके मिनम्र अिलोकन एिां ददनाांक 23 अप्रैल 2018 को मेफेयर कनिेंशन , भुिनेश्वर के दक्रस्टल हॉल में होने िाले 150िें एस.एल.बी.सी. बैठक में सहभामिता हतेु सांलमित कर रह ेहैं ।

Further to our Letter No. SLBC/ODI/03/2018-19 dated 03.04.2018, we are enclosing herewith the Agenda Notes and Background Papers for your kind perusal and participation in the

150th SLBC Meeting to be held on 23rd April 2018 at Crystal Hall of Mayfair Convention,

Bhubaneswar as per the details below:

ददनाांक / Date : 23.04.2018 (सोमिार / Monday)

समय / Time : 03:00 PM स्थान / Venue : दक्रस्टल हॉल ( मनचली मांमिल), मेफेयर कनिेंशन, होटेल मेफेयर, भुिनेश्वर Crystal Hall (Ground Floor) in Mayfair Convention, Hotel Mayfair, Bhubaneswar.

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

अिश्य अिित कराएां ।

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

valuable suggestions for growth and development of the State.

सादर / With regards,

भिदीय / Yours faithfully,

(ए.सी प्रध न / A.C Pradhan) सांयोिक, एस.एल.बी.सी., उड़ीशा

Convener, SLBC, Odisha

Enclo: यथोक्त As stated above

C O N T E N T S Sl

No Particulars

Page

No

1 Banking at a glance in Odisha as on 31st December 2017 1

2 Confirmation of Proceedings of 149th SLBC Meeting 3

3 Financial Inclusion Plan 3

4 Banking Key Indicators 7

5 CD Ratio 9

6 Branch & ATM Network 12

7 Achievement of Annual Credit Plan 2017-18 under Priority Sector 13

8 NPA & Overdue Position 15

9 Finance to MSME Sector 17

10 Finance to Agriculture Sector 20

11 Crop Insurance - PMFBY 24

12 Finance to Handicrafts & Weaver Sector 24

13 Finance to Self Help Groups 25

14 Progress under Govt. Sponsored Programmes 26

15 Finance under Education Loan including KSSY 28

16 Finance under Housing Loan 29

17 RSETI Issues 29

18 CGTMSE Scheme 30

19 Financing under Minority Communities 31

20 Disposal of loan applications under various Govt. schemes 31

21 Coir Board Issues 31

22 Calendar of Programme for conducting SLBC Meetings for 2018-19 34

Annexures Particulars Page No

1 Bank wise progress under Roadmap for providing Banking Services 36-37

2 Bank wise performance under PMJDY 38-39

3 Bank wise District wise BSBDA 40-41

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

5 Claim Settlement Status of Social Security Schemes 43-43

6 Pradhan Mantri MUDRA Yojana (PMMY) Performance 44-46

7 Status of Direct Benefit Transfer to LPG Consumers 47-47

8 Status of Aadhaar Generation. 48-48

9 Key Indicators 49-50

10 Area wise CD Ratio 51-52

11 Bank wise District wise Branch Network 53-54

12 Bank wise District wise Branch Opened Report 55-56

13 ATM Network in Odisha 57-58

14 Branch & ATM Network and Branch & ATM Network in rural centres 59-59

15 Annual Credit Plan (A.C.P) 2017-18 60-68

16 Scheme wise NPA,Overdue & Recovery Position 69-80

17 Particulars of cases filed under OPDR Act and OACOMP Act. 81-83

18 SARFAESI Cases pending with District Magistrate 84-84

19 Credit flow to MSME 85-88

20 Stand Up India 89-89

21 Finance under Agriculture 90-90

22 Finance under KCC 91-91

23 Finance under Allied Agriculture 92-92

24 FFDA - Bankwise Pending Position under MPY(2017-18) 93-93

25 FFDA - Bankwise Pending Position 94-94

26 Financing Floriculture Projects in the State of Odisha 95-99

27 Data on Relief Measures extended by Banks - Natural Calamities 100-100

28 Performanc under S.U.Y 101-101

29 Finance under MUDRA Weavers Scheme & Weavers Credit Card 102-103

30 Finance under Self Help Group 104-104

31 Performance under PMEGP 105-106

32 Performance under NULM 107-107

33 Finance under Joint Liabilty Group 108-108

34 Finance under Artisan Credit Card 109-109

35 Finance under Swarozgar Credit Card 110-110

36 Bankable I.G.S during 2017-18 in Sch. Caste Sector 111-111

37 Finance under Education loan 112-112

38 Performance under Kalinga Sikhya Sathi Yojana 113-113

39 Finance under Housing Loan 114-114

40 Performance of RSETIs in Odisha as on 30.09.2017 115-119

41 Credit Facility under CGTMSE 120-120

42 Credit facility to Minority Community 121-121

43 Disposal of loan applications under various sectors 122-129

44 Coir Udyami Yojana(CUY) - Bankwise Subsidy released 2017-18 130-130

45 Coir Udyami Yojana(CUY) - Bankwise Application Pending 131-132

46 Coir Udyami Yojana(CUY) - Bankwise Subsidy released 15-16 & 16-17 133-133

47Coir Udyami Yojana(CUY) - Bankwise Subsidy released from

2008-09 to 2014-15 (upto 31.03.2015)134-134

48 Clander Programme for conduct of SLBC Meetings - 2018-19 135-135

LIST OF ANNEXURES

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BANKING AT A GLANCE IN ODISHA AS ON

31st DECEMBER 2017

Sl Particulars Amt in Crore

1 Total Deposit 264410.54

2 Total Advance utilized in the state 185282.74

Total Advance sanctioned and utilized in the state 140867.89

3 Total Business (Deposit + Advance) 449693.28

4 Credit Deposit (CD) Ratio (%) Benchmark- 60% 70.07

5

Credit Deposit Ratio excluding advance sanctioned in other

state and utilized in our state 53.28

CD Ratio of Rural Branches 67.22

CD Ratio of Semi Urban Branches 52.95

CD Ratio of Urban Branches 45.77

6 Total PS Advance 87556.67

% of PS Advance to ANBC Benchmark - 40% 62.16

7

Agriculture Advance 45765.61

% of Agriculture Advance to ANBC

Benchmark - 18% 32.49

8

MSME Advance 32301.23

% of MSME Advance to ANBC

Out of which, Micro Enterprises (Benchmark– 7.5 % of ANBC)

22.93

11.50

9

Advance to Weaker Section 24676.05

% of Advance to weaker section to PS Adv.

Benchmark – 25% 28.18

10 Education Loan B/o 2228.07

11 Housing Loan B/o 11946.37

12 Export Credit B/o 2467.69

13 Total DRI Advance 1372.68

14

Total Advance to Minority community 2880.90

% of Advance to Minority community of Total Priority Sector

(Norm 15 % of Priority Sector) 3.29

15 Advance to Women 19429.28

% of Advance to Women(Benchmark – 5% on ANBC) 13.79

16 Credit Investment to Deposit Ratio % 72.15

17 NPA in % (Average in the state) 11.18

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Public Sector Banks 14.71

Private Sector Banks 0.61

RRBs 25.22

Cooperative Banks 6.80

18

Total No. of Branches 5075

a) Rural Branches 2719

b) Semi Urban Branches 1349

c) Urban Branches 1007

19

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

priority sector in % 60.97

Agriculture 50.24

MSME 96.48

Export Credit 587.18

Education 24.33

Housing 38.28

Social Infrastructure 2.30

Renewable Energy 0.07

Others 21.37

20

Lead Districts : 30

a) SBI 19

b) UCO 7

c) BOI 2

d) Andhra Bank 2

21

RSETIs : 30

a) SBI 17

b) UCO 7

c) BOI 2

d) CBI 1

e) Andhra Bank 2

RUDSETI : Canara Bank & Syndicate Bank 1

22

FLCs 140

SBI 19

UCO Bank 7

Andhra Bank 2

Bank of India 2

a) Cooperative Banks 97

b) RRB 13

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AGENDA NOTES OF 150TH SLBC MEETING

AGENDA NO.1 Confirmation of Proceedings of 149th SLBC Meeting held on 21.12.2017 at Bhubaneswar.

The Proceedings of the 149th SLBC Meeting held on 21.12.2017 was circulated among all

the members of SLBC vide our letter No. SLBC/ODI/501/2017-18 dated 19.01.2018. Since

no comments have been received from any quarter, the same may please be

confirmed.

AGENDA NO.2 Progress of Implementation of Financial Inclusion Plan in the State

1. Provision of Banking Outlets in villages with population below 2000

Although the exercise under the roadmap for provision of banking services in villages

having population less than 2000 was to be completed by December 2017, Odisha

could not meet the prescribed timelines. As per data submitted by banks to SLBC on

roadmap for providing banking services in 45894 villages having population below 2000,

banks have covered 95.79% of the target as on 31.12.2017 and provision of banking

services to the remaining villages is in progress. Bank wise & District wise details are at

Annexure-1.

Banks have been advised by RBI to consider opening of a CBS enabled banking outlet

or a part time banking outlet in the village with population less than 2000 that have

been allotted to the banks and still remain unbanked. The following banks have not

achieved their targets under the roadmap for providing banking services in every

village having population below 2000.

(As on 23.02.2018)

Sl.

No.

District No. of

villages

allotted

No of villages where

banking outlets

already opened

% age

coverage

Shortfall

(No. of

villages)

1 Andhra Bank 1256 1159 92.27 97

2 Axis Bank 90 82 91.11 8

3 Dena Bank 20 13 65.00 7

4 Odisha Gramya Bank 7587 7087 93.40 500

5 Punjab National Bank 1170 1165 99.57 5

6 Utkal Grameen Bank 10192 9694 95.11 498

8 Federal Bank 19 5 26.32 14

Total 20334 19205 *** 1129

The above banks are advised to ensure 100% coverage of their allotted villages by 31st

March 2018.

4 | P a g e

2. Provision of Banking Outlets in Unbanked Rural Centres (URCs) in villages with

population above 5000

In term of revised guidelines on Branch Authorization Policy, 78 Unbanked Rural centres

having population more than 5000 without a bank branch of a Scheduled Commercial

Bank were to be covered by Banking Outlets by December 2017. There are 12 Brick and

mortar branches and 61 BC/CSP points are opened by 23/02/2018. There is a shortfall of

5 villages namely Surapratapur (OGB), Panchupali(Bank of India), Charangul(Andhra

Bank) and Mansinghpur & Baulabandha(Indian Bank). The concerned Banks are

advised to open Banking Outlets in the allotted villages by March 2018.

3. Branch opening in Unbanked Gram Panchayats (GPs)

As on 23.02.2018

Particulars Unbanked GPs

allotted

Banking Outlets

already opened

Banking Outlets to

be opened

Phase - I 247 165 82

Phase - II 430 259 171

Sub-total 677 424 253

GPs allotted

exclusively to SBI

797 541 256

Grand Total 1474 965 509

As observed from the above table, out of 1474 GPs having neither Bank Branch nor BC

within a 5 km radius as on March 31, 2017. As on 23/02/2018 Banking Outlets (BOs) have

been opened in 965 GPs so far and opening of BOs in the remaining 509GPs are to be

covered by March 2019 as per the road map.

4. GIS Mapping of Bank branches, BCs and ATMs

For accurate and exact location of bank branches and ascertaining the extent of

banking services, Orissa Space Application Centre (ORSAC) requested RBI to share the

exact latitude and longitude data of bank branches for the first phase of Geographic

Information System (GIS) mapping. Accordingly, RBI obtained latitude and longitude

details from all banks operating in the state. After thorough screening, the data will be

shared with ORSAC. After hosting the updated branch data, ATMs and BCs will be

uploaded by ORSAC based on their latitude and longitude in the next phase.

Therefore, all banks are advised to be ready with latitude and longitude details of their

ATMs& BCs.

5 | P a g e

5. Banking Service Expansion in allotted GPs of LWE district of Malkangiri

SLBC had allotted 19 unbanked Gram Panchayats (GPs) among banks for opening of

banking outlets. As on 23/02/2018, six GPs are served by branches, seven GPs are

served by BCs/CSPs and BCs were appointed in two GPs which has become non-

functional. Banks are yet to appoint BCs in remaining four GPs.

GPs where BCs are yet to be appointed/made functional areas under –

Sl

No.

Name of GP Name of

Block

Link

Bank/Branch

Service

Area

Bank

Present Status

1 Mudulipada Khairput UGB UGB * Not functioning

2 Doraguda Chitrakonda SBI, Chitrakonda SBI Not functioning

3 Motteru Podia ICICI ICICI Not appointed

4 Podaghat Khairiput HDFC HDFC Not appointed

5 Tamasha/MV 07 Malkangiri HDFC HDFC Not appointed

6 Janabai K. Gumma HDFC HDFC Not appointed

6. Connectivity

As reported by GM, BSNL that 574 GPs of the State have been connected through

Optical Fibre Cable and ensuring 1000MBPS of Internet Connectivity in a radius of 200

metres from GP headquarters. GPs of district namely Khurda, Puri, Nayagarh, Gangam,

Gajapati, Cuttack, Kendrapada, Jajpur, Jagatsinghpur, Bhadrak, Balasore,

Mayurbhanj, Keonjhar, Dhenkanal, Deogarh, Kalahandi and Kandhamal will be

connected through BSNL Optical Fibre under NOFN project by March 2018. The

remaining 12 district will be connected by March 2019. State Govt reimburses VSAT cost

for opening of branches in Unbanked GPs.

7. Implementation of Pradhan Mantri Jan Dhan Yojana (PMJDY) as on 31.12.2017.

No of accounts opened from 16.08.2014 to 31.12.2017

Rural 92.09

Urban 40.35

No. of accounts opened with Zero balance 18.25 Lakhs

% of Zero balance accounts to total account opened 13.78%

Total deposit balance under PMJDY accounts. 298006.32 Lakhs

No. of RuPay Cards issued 95.72 Lakhs

No. RuPay Cards activated 53.04 Lakhs

No. of Aadhaar seeded accounts

% of Aadhaar seeding

84.64 Lakhs

63.91%

6 | P a g e

Bank wise performance on PMJDY as on 31.12.2017 is available in Annexure – 2. Bank

wise & District wise performance on BSBDA as on 31.12.2017 is available in Annexure – 3.

Performance by Commercial Banks under Social Security Schemes as on 31.12.2017

Name of Scheme No. of Enrollments in lakhs

PMSBY 35.74

PMJJBY 8.91

APY 2.62

Bank wise performance in the Social Security Schemes is available at Annexure – 4.

Insurance Claim Details under Social Security Schemes as on 31.12.2017

BANKS Claimed Settled Returned/Rejected Pending

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

TOTAL 107 97 0 10

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

TOTAL 2090 1823 153 99

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

TOTAL 849 588 68 193

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

TOTAL 283 250 11 22

Bank wise details of Insurance Claim Settlements made under various social security

schemes are available at Annexure – 5.

08. Progress of Pradhan Mantri MUDRA Yojana (PMMY) in Odisha for the period

01.04.2017 to 12.01.2018.

All Banks and Financial Institutions have sanctioned an amount of Rs. 7784.25 crore and

disbursed Rs. 7436.45 crore as on 12.01.2018 during the financial year 2017-18

Categories No. of

Accounts Share in %

Disbursed amount

(Crore)

Share in

%

Shishu 2441238 96.70 5199.99 69.93

Kishore 71204 2.82 1343.84 18.07

Tarun 12088 0.48 892.62 12.00

Total 2524530 100.00 7436.45 100.00

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Progress of Pradhan Mantri MUDRA Yojana (PMMY) in Odisha for the period 01.04.2017

to 12.01.2018 (Financial Institutions wise)

Financial Institutions No. of

Accounts

Share

in %

Disbursed

amount (Crore)

Share in

%

MFIs, NBFCs & Small Finance Bank 2071244 82.05 4254.80 57.22

Public Sector Banks 111438 4.41 2004.36 26.95

Private Sector Banks 316765 12.55 982.03 13.21

Regional Rural Banks 25081 1.00 195.13 2.62

Foreign Banks 2 0 0.13 0

Total 2524530 100.00 7436.45 100

Bank wise, district wise & category wise report on PMMY is available at Annexure – 6.

09. Review on Banking Developments in Odisha in Key Indicators as on 31.12.2017 vis-à-

vis 31.12.2016 (Amt in crore)

Parameters December

2016

December

2017

Variation

over

December

2016

% of

growth

No. of branches 4986 5070 84 1.68

Deposits 249017.23 264410.54 15393.31 6.18

Advances 158879.50 185282.74 26403.24 16.62

CD Ratio in % 63.80 70.07 6.37 ***

Credit Investments to Deposit Ratio 65.21 72.15 6.94 ***

Priority Sector Advances 77366.16 87556.67 10190.51 13.17

% of P S Advances to Total Advance 66.55 62.16 -4.39 ***

Agriculture Advances 40149.83 45765.61 5615.78 13.98

% of Agri Advances to Total Advance 34.54 32.49 -2.05 ***

MSME Advance 27777.80 32301.23 4523.43 16.28

Education Loan 2380.02 2228.07 -151.95 -6.38

Housing Loan 10575.29 11946.37 1371.08 12.96

Advance to Minority Communities 2725.78 2880.90 155.12 5.69

Advances to Weaker Sections 21728.97 24676.05 2947.08 13.56

% of Weaker Section Adv. to PS Adv 28.09 28.18 0.09 ***

DRI Advances 213.93 1372.68 1158.12 541.35

Branch Network

As at the end of December 2017, the total number of Bank Branches in Odisha

increased to 5070 during the period 01.04.2017 to 31.12.2017, Banks have opened 40

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

RRBs have opened 24, 15, & 1 branches respectively. In Urban, Semi-Urban and Rural

centers, 9, 18 &13 respectively branches have been opened.

8 | P a g e

Deposit Growth

Deposits of the Banks in the state have increased from Rs. 249017.23 Crore as of

December 2016 to Rs. 264410.54 Crore as of December 2017, registering an increase of

Rs. 15393.31 Crore. The year on year incremental deposit growth is 6.18%

Credit Expansion

The total outstanding advances increased from Rs. 158879.50 Crore as of December

2016 to Rs. 185282.74 Crore as of December 2017 registering an increase of Rs 26403.24

crore. The year on year incremental advance growth is 16.62%.

CD Ratio

The Credit Deposit Ratio of all Banks in the state increased from 63.80 % as of December

2016 to 70.07 % as of December 2017. Overall CD ratio is above the benchmark of 60%.

Priority Sector Advances

The percentage of priority sector advances is 62.16 % as of December 2017 against the

national norm of 40 %.

Agriculture Advances

The aggregate of agriculture advances extended by Banks in Odisha have increased

from Rs. 40149.83 Crore as of December 2016 to Rs. 45765.61 Crore as of December 2017,

thus registering an increase of Rs. 5615.78Crore in absolute terms and 13.98 in

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

2017 is 32.49 % against the national norm of 18 %.

Micro, Small & Medium Enterprises (MSME)

The advances to MSME during the period under review have witnessed increase from

Rs. 27777.80 Crore as at December 2016 to Rs. 32301.23 Crore as at December 2017, thus

registering an increase of Rs. 4523.43 Crore in absolute terms and 16.28 in percentage

terms on year to year basis.

Education Loan

A decrease of Rs. 151.95crore in balance outstanding as on 31.12.2017 over 31.12.2016

under Educational Loan represents negative annual growth of 6.38%

Housing Loan

The housing loan balance outstanding has increased from Rs. 10575.29 Crore as on

31.12.2016 to Rs. 11946.37 Crore as on 31.12.2017 registering an increase of Rs1371.08

crore in absolute terms. The incremental growth on year to year basis is 12.96 %.

9 | P a g e

Advances to Weaker Sections

The advances to Weaker Sections increased from Rs. 21728.97crore as of December

2016 to Rs. 24676.05 Crore as at December 2017. The share of weaker section advance

to Priority Sector advance is 28.18% against the bench mark 25 %.

10. Direct Benefit Transfer for LPG (DBTL)

Progress on implementation of DBTL in the State.

LPG and Bank Aadhaar Seeding Status as on 31.12.2017 (Annexure -7)

As reported by Odisha State Office, Indian Oil Bhavan, Bhubaneswar.

1. Total no of LPG distributors in the State – 604

2. No of LPG Consumers – 5450737

3. % of LPG Aadhaar Seeding - 91.15

4. % of Bank Aadhaar Seeding (ATC) – 75.66

5. % of Bank Account Seeding verified (BTC) – 12.60

6. % of CTC (ATC+BTC) - 88.26

11. Aadhaar Number Seeding

As reported by the UIDAI, Bhubaneswar (Annexure-8)

1. As on 28.12.2017; total population eligible for Aadhaar enrolment - 44941662

2. Total Enrolment - 45991397

3. Enrolment % on population - 102.34

4. Aadhaar generated - 42428024(94.41%)

5. Balance Aadhaar to be generated - 2513638

AGENDA NO. 3

CD Ratio

The deposit, advances & important banking key indicators are available at Annexure– 9.

CD Ratio (All Banks)

Banks

Basing on total utilization (including

sanctioned in outside State) of

advance in the state

Basing on advance

sanctioned and

utilized in the state

31.12.2017 31.12.2017

Public Sector 67.46 38.62

Private Sector 77.38 75.08

RRBs 48.17 48.17

Cooperative 130.90 130.90

State 70.07 53.28

10 | P a g e

District Wise CD ratio (%) as of 31.12.2016 & 31.12.2017 for all Districts of Odisha

SL. DISTRICT NAME

31.12.2016 (Crore) 31.12.2017 (Crore)

Deposit Advance CD

Ratio Deposit Advance

CD

Ratio

1 ANGUL 8656.47 2895.88 33.45 9736.28 3780.13 38.83

2 BALASORE 8987.48 4405.67 49.02 9655.56 4822.91 49.95

3 BHADRAK 4604.44 2200.24 47.79 4669.48 2539.99 54.40

4 BARAGARH 4476.01 2870.56 64.13 4810.48 3554.66 73.89

5 BOLANGIR 4875.58 2035.69 41.75 4758.81 2505.29 52.65

6 BOUDH 819.29 496.70 60.63 848.32 657.73 77.53

7 CUTTACK 19434.87 9349.36 48.11 20445.76 11003.38 53.82

8 DEOGARH 1019.04 319.70 31.37 1054.94 412.17 39.07

9 DHENKANAL 4173.96 3304.69 79.17 4593.56 4135.69 90.03

10 GAJAPATI 1693.87 371.41 21.93 1752.96 531.42 30.32

11 GANJAM 13651.70 5085.94 37.25 15989.30 6156.16 38.50

12 JAGATSINGHPUR 7808.09 2297.29 29.42 8741.35 3347.05 38.29

13 JAJPUR 6667.62 4152.33 62.28 7020.72 5978.52 85.16

14 JHARSUGUDA 4179.75 2194.03 52.49 4361.22 3082.58 70.68

15 KALAHANDI 3185.99 1741.07 54.65 3338.43 2075.95 62.18

16 KANDHAMAL 1789.24 634.93 35.49 1868.69 856.69 45.84

17 KENDRAPARA 4430.62 1526.62 34.46 4712.62 1723.23 36.57

18 KEONJHAR 8830.91 3082.42 34.90 10154.75 4242.41 41.78

19 KHURDA 69977.13 38975.39 55.70 75743.63 52446.04 69.24

20 KORAPUT 4206.38 1938.06 46.07 4519.01 2368.47 52.41

21 MALKANGIRI 1204.80 324.06 26.90 1211.66 499.91 41.26

22 MAYURBHANJ 7971.20 2680.40 33.63 8511.86 3312.01 38.91

23 NAYAGARH 2632.09 1342.45 51.00 1635.06 1006.66 61.57

24 NABARANGPUR 1526.37 881.97 57.78 2952.09 1588.03 53.79

25 NUAPADA 1503.49 519.88 34.58 1519.99 628.93 41.38

26 PURI 6503.64 2305.57 35.45 6909.24 2712.64 39.26

27 RAYAGADA 2725.93 1154.18 42.34 2892.56 1459.88 50.47

28 SAMBALPUR 23994.91 3265.06 13.61 22305.54 4586.50 20.56

29 SONEPUR 1424.53 883.11 61.99 1523.08 996.01 65.39

30 SUNDARGARH 15669.06 6861.74 43.79 16173.58 7856.85 48.58

Sambalpur district registered lowest CD ratio of 20.56 only on account of MCL deposit of

Rs12925.90 Crore. If this amount is excluded, the CD Ratio will be 48.90%

11 | P a g e

It is observed that 9 districts namely Bhadrak, Dhenkanal, Jajpur, Boudh, Jharsuguda,

Kalahandi, Sonepur, Khurda and Nabrangpur have achieved CD ratio of more than

60% & 09 districts have registered CD ratio below 40%, namely, Angul, Sambalpur,

Deogarh, Gajapati, Ganjam, Jagatsinghpur, Kendrapara, Puri and Mayurbhanj. The

LDMs of those districts and the Banks operating in the districts should take needful

action for improvement in CD ratio in the coming quarters. Area wise CD Ratio is at

Annexure – 10.

Monthly meetings to review CD Ratio (CDR) of 12 districts with CD ratio below 40% as on

March 31, 2017

RBI, Bhubaneswar have started monthly review of CD Ratio (CDR) of 14 large public/

private sector banks in 12 districts of Odisha (viz. Angul, Deogarh, Gajapati, Ganjam,

Jagatsinghpur, Kandhamal, Kendrapara, Keonjhar, Mayurbhanj, Nuapada, Puri and

Sambalpur) with CD ratio below 40% as on March 31, 2017 since June 2017. It was

observed that despite setting up Special Sub-committees (SSC) of DCC as per Lead

Bank Scheme (LBS) guidelines to draw and monitor Monitorable Action Plan (MAP) to

increase CDR in these districts, these districts have been reeling under low CDR for a

long time as the banks were not reviewing their district-wise CDR position and reviewed

only CDR for the state. Thus, it was decided to provide specific thrust on the issue and

monthly meetings with the Controlling Heads of 14 large public/ private sector banks

and govt. officials are being conducted by RBI to review CDR of above districts and

obtain district-wise commitments/ targets from the bankers about their CDR in these

districts on a monthly basis.

RBI concerted efforts since June 2017 have led to discernible/ encouraging results in

that the number of districts with CDR below 40% has come down from 12 as on March

31, 2017 to 9 as on December 2017 as CDR of three districts namely Kandhamal,

Keonjhar and Nuapada has improved above the mark of 40%. Further, banks have

started monitoring their district-wise CDR on a monthly basis. This momentum needs to

be sustained and special efforts need to be continued for other districts as well CD ratio

of the State as on 31.12.2017 computed on the advance figure of sanctioned in other

state but utilized in our state as per Thorat Committee is 70.07 & CD Ratio computed on

advance sanctioned and utilized in the state is 53.28 %.

12 | P a g e

AGENDA NO. 4

Branch Network: Area Wise

Year Rural Branch Semi-Urban

Branch Urban Branch

Total

Branches

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

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

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

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

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

31.03.2017 2745(54.56%) 1312(26.08%) 974(19.36%) 5031

31.12.2017 2719(53.58%) 1349(26.58%) 1007(19.84%) 5075

Bank wise & district wise Branch network as on 31.12.2017 is available at Annexure – 11.

Bank wise and District wise branch opened during the period 01.04.2017 to 31.12.2017 is

available at Annexure – 12.

Branch Network: Bank Wise

Year

Public

Sector

Bank

Private

Sector

Bank

RRBs

Total

Commercial

Banks

Co-

operative

Banks

Total

Branches

31.03.2012 2157 216 886 3258 337 3595

31.03.2013 2313 269 901 3483 341 3824

31.03.2014 2637 350 951 3938 343 4281

31.03.2015 2896 444 983 4323 343 4666

31.03.2016 3041 514 991 4546 343 4889

31.03.2017 3128 569 991 4688 343 5031

31.12.2017 3146 594 992 4732 343 5075

13 | P a g e

Position of ATM installation in the State as on 31.12.2017

Sl. No. ATM Position Number

1 No. of Onsite ATMs 3154

2 No. of Offsite ATMs 3424

3 Total No. of ATMs 6578

Out of which

I No. of ATMs in Rural Branch 2199

II No. of ATMs in Semi-Urban Branch 2239

III No. of ATMs in Urban Branch 2140

Availability of ATM in the State

As on No. of ATMs

31.03.2014 4106

31.03.2015 5142

31.03.2016 6028

31.03.2017 6129

31.12.2017 6578

Bank wise and District wise ATM position is available at Annexure – 13. The present status

of branch & ATM opening in the state indicates that Banks are yet to give due

importance for opening of new branches in unbanked areas and installation of ATM at

rural branches.

All Banks are requested to ensure that each branch shall have at least one ATM. Details

of bank wise branch network, ATM network, branch & ATM network in rural centres is

enclosed at Annexure – 14.

AGENDA NO.5

Target vs. Achievement of Annual Credit Plan (ACP) 2017-18 under Priority Sector

Achievement under Annual Credit Plan (District wise & Bank wise) as on 31.12.2017 (LBS-

MIS-II) is available at Annexure – 15. Performances under major segments of Priority

Sector are reproduced below.

14 | P a g e

Target Vs Achievement under ACP as on 31.12.2017

Amt in Crore

Particulars Target Achievement %age

Crop Loan 20807.56 11166.87 53.67

Agri Term Loan 5874.07 2287.82 38.95

Fishery 786.11 139.42 17.74

Dairy 1185.06 168.72 14.24

Farm Credit 28652.80 13762.83 48.03

Agriculture Infrastructure 1506.23 192.61 12.79

Ancillary Activities 1049.38 1725.05 164.39

Agri Total 31208.41 15680.49 50.24

Micro Enterprises 4898.17 6282.22 128.26

Small Enterprises 4490.71 5639.86 125.59

Medium Enterprises 2937.56 1744.17 59.37

Khadi & Village Industries 805.20 28.71 3.57

Others under MSME 2292.68 1187.15 51.78

MSME Total 15424.32 14882.11 96.48

Export Credit 420.26 2467.69 587.18

Education 1094.15 266.17 24.33

Housing 4800.45 1837.48 38.28

Social Infrastructure 190.85 4.39 2.30

Renewable Energy 115.95 0.08 0.07

Others 6745.60 1441.54 21.37

Priority Sector Total 60000.00 36579.95 60.97

Bank wise Achievement under ACP-2017-18 as on 31.12.2017

(Amount in crore)

Sl Name of Bank

Priority Sector

Target Achievement %

1 Public Sector Banks 37174.20 22200.06 59.72

2 Private Sector Banks 6266.35 4411.31 70.40

3 Regional Rural Banks 3823.20 2924.31 76.49

4 Co-operative Banks 12736.25 7044.27 55.31

TOTAL 60000.00 36579.95 60.97

The achievement during 01.04.2017 to 31.12.2017 under ACP is 60.97% of the target.

15 | P a g e

Share of different Banks in Agriculture Credit Outstanding on 31.12.2017 excluding RIDF

(Amount in Crore)

Name of the banks Amount outstanding Share in %

Public Sector Banks 13771.60 42.93

Private Sector Banks 4056.33 12.64

RRBs 3865.16 12.04

OSCB 10386.81 32.39

Total 32079.90 100

Monthly meetings to review ACP achievements of large Public/ Private Sector Banks

A system of monthly review of ACP achievement of 17 large public/ private sector

banks has been put in place by RBI since July 2017. The monthly meetings are being

held with the Controlling Heads of concerned banks and Govt. officials to review the

ACP achievement of banks, obtain monthly commitments/ assurances from bankers

about future ACP achievements and sensitize all stakeholders to improve the situation in

the intervening months of SLBC meetings which are held on a quarterly basis. The

review enabled us to take stock of the performance and get ground level feedback

from the Bankers as well as concerned Govt. Departments.

It is observed that the banks have achieved the ideal 75% target under MSME sector

unlike in case of crop loan, farm loan, total agricultural credit and overall ACP.

However Heads of Banks are requested to achieve the ACP targets by the year-end.

AGENDA NO 6

NPA & Overdue position as on 31.12.2017

The NPA % of the State is 11.18 and overdue % is 34.84% which are at much higher side

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

Sector wise NPA & Overdue position is given in Annexure – 16. For PMRY / PMEGP /

SJSRY (NULM)/ SHG (NRLM) the NPA & Overdue % is too high, which can only be rated

as unsatisfactory. The Banks are facing problem to recycle the funds owing to non

repayment of loans, mounting overdue and rising NPA %. Banks & Govt. Departments

have to make joint efforts with specific strategies to improve the recovery performance

for better recycling of funds.

Sector wise NPA & Overdue % as on 31.12.2017.

Sl. No. Sector NPA % Overdue %

1. Short Term Crop Loan 11.96 36.52

2. Agriculture Term Loan 17.72 42.80

3. Agriculture Allied 14.37 44.77

16 | P a g e

4. Total Agriculture 13.46 37.41

5. MSME Sector 12.78 32.52

6. Education Loan 19.67 46.89

7. Housing Loan 4.21 25.20

8. Total Priority Sector 12.19 36.40

9. Total Advance 11.18 34.84

Scheme wise NPA & Overdue % as on 31.12.2017

Sl. No. Sector NPA % Overdue %

r1. PMEGP & PMRY 20.58/29.26 64.50

2. SHG 12.26 28.68

3. NULM 13.90 77.13

4. Weaver Credit Card 4.18 66.42

Year wise NPA Position as on 31.12.2017

Year NPA %

31.03.2014 07.69

31.03.2015 08.26

31.03.2016 11.38

31.03.2017 11.50

31.12.2017 11.18

Banks having NPA % above the State Average are Andhra Bank, Bank of Baroda, CBI,

IOB, OBC, PNB, SBI, UCO Bank, OGB & UGB

Status of OPDR cases as on 31.12.2017

12062 no. of OPDR cases involving Rs 104.48 crore are pending as on 31.12.2017. Highest

number of cases (1614) are pending in Khordha district followed by Kendrapara district

(1179 cases). All District Collectors may be advised by State authority for early disposal

of pending OPDR cases. All the Lead District Managers may put their coordinated

efforts to yield desired result. District wise & Bank wise report is available at Annexure –

17.

17 | P a g e

Applications for attachment of property under Section 14 of the SARFAESI Act pending

with District Magistrates

Banks require adequate support from District Magistrate for quick enforcement of

SARFAESI Act. The applications are remaining pending with District Magistrates in

different districts for a long time for permission and assistance for taking physical

possession of charged assets under the Act.

It is reported that 867 numbers of applications involving Rs. 502.20 Crore of different

banks for attachment of property under section 14 of SARFAESI are pending with District

Magistrates. The State Government is requested to kindly issue appropriate instruction to

the District Magistrate for expeditious disposal of Bank‟s applications seeking permission

for taking over physical possession of charged assets. District wise and bank wise

pending list enclosed at Annexure – 18.

AGENDA NO.7

Financing to MSME Sector

Micro, Small and Medium Enterprises (MSMEs)

(Amount in crore)

Particulars

Balance outstanding as

on 31.12.2016

Balance outstanding as

on 31.12.2017

A/Cs Amount A/Cs Amount

Micro Enterprises 852699 14752.79 933225 16196.77

Small Enterprises 138048 9240.67 154867 11267.82

Total MSE 990747 23993.46 1088092 27464.59

Share of advances of Micro

Enterprises to MSE (% ) 86.07 61.48 85.77 58.97

Total MSME 994768 27777.80 1104412 32301.23

Observations:-

The advance to MSME as on 31.12.2017 has registered growth of 16.28% over

31.12.2016.

Against a target of 7.5% of ANBC, Banks have achieved 11.50 % under Micro Enterprises.

The allocation of Micro sector to MSE advance at the end of December 2017 is 58.97 %.

Detailed report of Bank wise position under MSME is available at Annexure – 19.

The target under ACP for MSME sector (Priority Sector) for the year 2017-18 is Rs.15424.32

crore and the achievement as on 31.12.2017 is Rs. 14882.11 Crore which is 96.48% of the

target.

The share of MSME advances to total advances as of 31th December2017 is 22.93 %.

18 | P a g e

Performance of Commercial Banks under Manufacturing Sector as on 31.12.2017

Manufacturing Sector Disbursement (01.04.2017 to 31.12.2017)

A/C Amt in Crores

Micro Enterprises 38287 1262.64

Small Enterprises 6871 2037.60

Medium Enterprises 968 756.37

TOTAL 46126 4056.61

Stand Up India Scheme

As per guidelines of Stand up India, each branch of a scheduled bank is expected to

extend loans to at least one SC/ST and minimum one woman entrepreneur under this

scheme. As on 31st December 2017, 491 loan applications have been disbursed up to

31.12.2017 as per report generated from Stand up Mitra portal.

Performance under Stand up India as on 31.12.2017 as per Stand up India

Particulars Sanctioned Disbursed

A/C Amount (Cr) Amount (Cr)

SC/ST 71 11.94 3.79

Women 420 78.81 26.98

Total 491 90.75 30.77

As reported by different banks as on 31.12.2017, Rs 3.79 crore has been disbursed in 71

accounts to SC/ ST applicants and Rs. 26.98crore has been disbursed in 420 accounts to

Women applicants. (Annexure - 20)

Relief for MSME Borrowers registered under Goods and Services Tax (GST)

Presently, Banks and NBFCs in India generally classify a loan account as Non-Performing

Asset (NPA) based on 90 day and 120 day delinquency norms, respectively. It has been

represented to us that formalization of business through registration under GST had

adversely impacted the cash flows of the smaller entities during the transition phase

with consequent difficulties in meeting their repayment obligations to banks and NBFCs.

As a measure of support to these entities in their transition to a formalized business

environment, it has been decided that the exposure of banks and NBFCs to a borrower

classified as micro, small and medium enterprise under the Micro, Small and Medium

Enterprises Development (MSMED) Act, 2006, shall continue to be classified as a

standard asset in the books of banks and NBFCs subject to the following conditions:

19 | P a g e

The borrower is registered under the GST regime as on January 31, 2018.

The aggregate exposure, including non-fund based facilities, of banks and NBFCs, to

the borrower does not exceed 250 million as on January 31, 2018.

The borrower‟s account was standard as on August 31, 2017.

The amount from the borrower overdue as on September 1, 2017 and payments from

the borrower due between September 1, 2017 and January 31, 2018 are paid not later

than 180 days from their respective original due dates.

A provision of 5% shall be made by the banks/NBFCs against the exposures not

classified as NPA in terms of this circular. The provision in respect of the account may be

reversed as and when no amount is overdue beyond the 90/1201 day norm, as the

case may be.

The additional time is being provided for the purpose of asset classification only and not

for income recognition, i.e., if the interest from the borrower is overdue for more than

90/120 days, the same shall not be recognized on accrual basis.

Investor Education and Protection Fund Authority (IEPF Authority)

Govt of India has established an Investor Education and Protection Fund Authority (IEPF

Authority) under the provisions of Companies Act, 2013 to inter alia promote investor

education and promote awareness through conduct of investor awareness

programmes.

A general lack of awareness among the potential investors, especially in rural areas

about investment related matters, make them vulnerable to fraudulent investment

schemes. As a part of the mandate, the IEPF authority has taken several initiatives for

organizing investor awareness programmes. The awareness is being created through

various media like advertisement in the newspapers, jingles on radio, crawlers on

television etc. Further, investor awareness programmes are organized in the urban

areas through the professional institutes and in rural areas through the Common Service

Centres located in village Panchayats.

The requisite training, capacity building tools and communication materials like short

film, videos, modules in local language, pamphlets, posters etc for promoting investor

awareness can be arranged under the aegis of IEPF authority. LDMS are advised to

include the investor awareness programme as a standard agenda in the Block/District

level credit Committee Meeting and review the progress from time to time.

https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11216&Mode=0#F1

20 | P a g e

AGENDA NO 8

AGRICULTURE

Bank wise performance of Crop Loan & Term loan for the period 01.04.2017 to

31.12.2017 is available at Annexure – 21.

Kissan Credit Card (KCC)

The Bank wise achievement made under KCC as on 31.12.2017 is available at Annexure

– 22. It is observed that Banks have disbursed Rs.10044.35 crore in 2455852 KCC

accounts during 01.04.2017 to 31.12.2017, out of which fresh KCC has been issued in

308466 accounts disbursing Rs. 1734.32 crore. Total outstanding balance as on

31.12.2017 is Rs.17975.41crore in 5566137 KCCs accounts.

KCC has not been issued by the following Banks:

(i) Public Sector Banks

Bank of Maharashtra

(ii) Private Sector Banks

Axis bank, Bandhan Bank, City Union bank, Karnataka Bank, IndusInd Bank, Karur Vysya

Bank, Laxmi Vilas Bank, The South Indian Bank Ltd, Standard Chartered Bank & Yes Bank

Agriculture Allied Sectors (Fishery & Dairy).

Bank wise progress made on Financing under different schemes of Allied Agriculture

Sector is given in Annexure – 23.

Disbursement for the period 01.04.2017 to 31.12.2017

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

Dairy(Including DEDS) 26550 168.72

Fishery 7207 149.42

Poultry 3671 185.76

Other allied (Goatery, piggery etc) 228232 1532.87

Total 265660 2036.77

21 | P a g e

Progress under FFDA

1. A new State Plan Scheme is implementation during 2017-18 namely “Matsya

Pokhari Yojana” to create additional new water bodies targeting for 1059.00 Ha.

with 50% subsidy assistance & Advanced Fingerling Production in 200.00 Ha.

water area. So all the Controlling Heads may please be requested to issue

necessary instruction to bank brances in districts for early sanction of cases under

Matsya Pokhari Yojana for full utilization of subsidy by 31.03.2018. So far 612 nos.

of proposals amounting to Rs.1907.97 lakhs has been sponspored to different

banks for early finance is appended herewith in Annexure-24 for necessary

action.

2. 829 Nos. of cases are pending in different banks covering water area of 501.32

Ha. amounting to Rs.541.53 lakhs under Short term credit. The details of dist. wise

pending position as on 31.12.2017 are given in Annexure-25.

3. Govt. of India has revised the Unit Cost during 2017-18 for Pisciculture from Rs.3.50

lakh/Ha to Rs.8.50 lakh/Ha. with 40% subsidy support to General beneficiaries &

60% assistance for Women, SC & STs. All the bankers may please be requested to

extend the credit flow to Fisheries sector to double the Inland Fish production as

envisaged in the Odisha Fishery Policy 2015.

Bank wise & Scheme wise under various Schemes of Agriculture & Allied Sector Interest

Subvention & Subsidy (State Govt.) utilization as on 15.03.2018 (Figures in Rs)

Utilization during

the period Crop loan

Agriculture

Term Loan

Short Term

Fishery

Loan

Term

Loan

Fishery

Short

Term

Dairy

Loan

Long

Term

Dairy

Loan

PDE

Up to 31.03.2014 35569575 669024 0 0 0 17532 60442382

From 01.04.2014

to 31.03.2015

336163136 12760597 400456 1116414 125822 1298792 102627927

From 01.04.2015

to 31.03.2016

431891401 55751089 1651076 2414464 2798731 8170487 111527248

From 01.04.2016

to 10.02.2017

86267507 48483497 488432 4186412 2414217 2099683 79814258

From 01.04.2017

to 31.05.2017

383668423 37193397 356839 4188887 1051902 1033495 3361300

From 01.06.2017

to 11.08.2017

14040786 0 0 0 0 0 -757887

From 12.08.2017

to 30.11.2017

10515682 5068129 0 1848703 0 0 1840196

From 01.12.2017

to 15.03.2018

0 0 61366 779208 10529 0 0

Total Utilization 12988116510 159925733 2958169 14534088 6401201 12619989 358855424

Total Fund

Received from

Govt.

1450000000 160000000 105420000 97546000 6998000 12626000 3588896500

Balance 152259308 74267 102461831 83011912 596799 22459 336576

22 | P a g e

Requisition for releasing Rs.50.00 Crore under Short Term Crop Loan, submitted to The

Registrar of Co-operative Societies , Odisha, Bhubaneswar Vide letter no.

SLBC/ODI/106/2017-18 dated 17.06.2017 and SLBC/ODI/367/2017-18 dated 17.11.2017.

Requisition for releasing Rs.7.00 Crore under PDE Scheme submitted to The Director,

Animal Husbandry & Veterinary Services, Cuttack, Odisha Vide letter no.

SLBC/ODI/320/2017-18 dated 16.10.2017 and SLBC/ODI/380/2017-18 dated 23.11.2017.

Requisition for releasing Rs.5.00 Crore under Long Term Loan Dairy Loan Scheme

submitted to The Director, Animal Husbandry & Veterinary Services, Cuttack, Odisha

Vide letter no. SLBC/ODI/381/2017-18 dated 23.11.2017.

Requisition for releasing additional Rs 20 crore( Total Rs.70.00 Crore ) under Short Term

Crop Loan, submitted to The Registrar of Co-operative Societies , Odisha, Bhubaneswar

Vide letter no. SLBC/ODI/551/2017-18 dated 13.03.2018.

Requisition for releasing Rs.5.00 Crore under Long Term Loan Dairy Loan Scheme

submitted to The Director, Animal Husbandry & Veterinary Services, Cuttack, Odisha Vide

letter no. SLBC/ODI/381/2017-18 dated 23.11.2017 and SLBC/ODI/559/2017-18 dated

15.03.2018

FLORICULTURE

It will be prudent to state that cultivation of flowers in protected structures in our State

has shown excellent result in terms of production and quality. The activity can be a

good income generating activity for the farmers. Besides, the scheme can provide

employment opportunity to a lot of people. Although, assistance to the tune of 70% of

cost of structure including cost of cultivation is being provided by the Government,

more projects are not coming up as cost involvement for such projects is high.

Financing such projects has been a major constraint as far as the implementation of the

scheme is concerned. The scheme will get a boost if Institutional Financing for such

projects can be made available, obviously, within the ambits Banking Norms and

Government Guidelines.

The existing procedure being followed by Banks and proposed for financing floriculture

projects is explained below.

1. Existing Procedure for

Finance of Floriculture

Projects:

1. Most of the Banks are not keen to

finance floriculture projects.

2. In case they agree to finance, they ask

for 100% -200% collateral security on the

sanctioned amount except a few

cases where sanction has been

accorded with low collateral security.

3. Land of the proposed site is not taken

as collateral security.

23 | P a g e

4. Banks insist on liquid collateral security

or urban property/ homestead land as

security.

2. Proposed Procedure for

Financing Floriculture Projects:

1. Banks may consider to finance

floriculture projects for amounts

inclusive of cost of the structure, cost of

cultivation and working capital, but

exclusive of the margin money to be

deposited by the beneficiary.

2. Collateral security should be on the

amount the bank actually financing,

not the amount being sanctioned, i.e.

sanctioned Amount – Subsidy.

3. Interest should not be charged on the

Subsidy Reserve Fund.

4. The repayment schedule is to be drawn

on the loan amount in such a way that

the subsidy amount is adjusted after

the Bank loan portion (excluding

subsidy) is liquidated.

Director Horticulture may deliberate on this matter

The details about of financing floriculture projects in the State of Odisha given at

Annexure-26.

Restructuring/Rescheduling of short term Loan, Fresh crop Loan sanctioned and

Consumption loan sanctioned in the aftermath of occurrence of drought, incidence of

pest attack and unseasonal cyclonic rain

It is matter of concern that despite meeting and follow up the performance under

above is not very encouraging. The progress in this regard is given at Annexure-27.

Progress of Pledge Financing on Negotiable Warehouse Receipts (NWRs) to

farmers

In our State, State Bank of India & Allahabad Bank have pledge financing against

NWRs. During 01.04.2017 to 31.12.2017 an amount of Rs. 6.42 crore has been disbursed.

Balance outstanding as on 31.12.2017 is Rs 16.43 crore. Since pledge financing gives

price assurance to farmers, it is requested the member banks to explore possibility of

lending under pledge finance.

24 | P a g e

AGENDA NO 9

Crop Insurance

For reconciliation of the Farmers data entered on National Crop Insurance Portal with

the premium remitted to Insurance Company for Kharif-2017 and Rabi 2017-17 in the

State and the reconciliation process is to be completed latest by 15.03.2018

AGENDA NO.10

Finance to Handicrafts Sector

Silpi Unnati Yojana (SUY):

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

to Rs.1,00,000 in seven crafts and upto Rs 50,000.00 in rest 43 crafts ) per artisan to avail

bank loan for setting-up of own handicraft production unit. The eligible applications are

processed for sponsor to the concerned Bank Branches immediately after scrutiny by

RICs/DICs. During 2017-18, till date 1792 nos. of applications have been sponsored to

different banks, out of which 113 no. of applications have been sanctioned and 44 no.s

of applications have been returned. The Bank wise detail is placed at Annexure-28.

The Bankers are requested to sanction the cases at an early date so as to facilitate

release of margin money.

Progress on sanction of fresh loan to Weavers/Entrepreneurs

Under MUDRA Weavers Scheme.

As against 6529 nos. of loan applications sponsored/collected by the Banks 2195 nos. of

Weavers/Entrepreneurs have been sanctioned loan to the tune of Rs.1198.10 lakh. The

Controlling Heads of some Banks have not submitted up to date information in this

regard despite several persuasions made. The Bank wise/ district wise progress on

sanction of loan to the Weavers/Entrepreneurs under MUDRA Scheme available with us

is given at Annexure - 29.

Settlement of pending claims towards margin money assistance and interest

Subvention under WCC by NABARD.

The C.G.M, NABARD, Regional Office, Bhubaneswar may offer views with regard to the

present status on settlement of pending claims towards margin money assistance and

interest Subvention under WCC by NABARD.

25 | P a g e

AGENDA NO.11 Financing under Self Help Groups (SHGs)

SHG Bank Linkage Bank-wise Achievement:

The physical achievement is only 73.50% and financial achievement 72.91% during the

period from 01.04.2017 to 31.12.2017. The bank-wise target and achievement as on

31.12.2017 is given in Annexure - 30.

The banks whose financial achievement is less than 70% are as follows

Andhra Bank, Bank of Baroda, Canara Bank, Dena Bank, Indian Bank, Indian Overseas

Bank, Oriental Bank of Commerce , Punjab & Sind Bank, Punjab National Bank, State

Bank of India, Syndicate Bank, Union Bank. Vijaya Bank, United Bank of India, Utkal

Grameen Bank, ICICI Bank, Axis Bank, Federal Bank, Cooperative Bank

Action Points for Banks:

Organisation of Mega SamnwayaMela(Linkage cum Recovery Camp)

Renewal of Cash Credit Loans

Conversion of Term loans to Cash Credit loans.

Sanction and Disbursement of new/repeat loans to all eligible SHGs irrespective

of SHG-NPA status in the branches.

Focus on achievement of branch wise target.

Interest subvention submission of Claims:

Despite repeated follow up Cooperative Banks are yet to participate in the

interest subvention scheme for women SHGs. OSCB may indicate a date for issue

of circular to CCBs and ensure data compilation and data uploading in NRLM

portal.

In Category- I, only 10 banks have claimed for the FY 2016-17 (Bank of India,

Bank of Baroda, Utkal Grameen Bank, Union Bank, Odisha Gramya Bank,

Allahabad Bank, Indian Bank, State Bank of India, Punjab National Bank &

Central Bank of India).

In Category-II, the NEFT rejected cases are very high and banks need to

reconcile the same and submit the necessary information for rectification.

Action points for Banks

Concerned Banks has to submit the claims in Category-I districts.

Concerned Banks who have received the claim amount have to share the

Utilization certificate as well as SHG wise list.

Concerned Banks have to reconcile the NEFT rejected cases in the Category-II

districts

All Banks should charge 7% rate of interest in Category-I districts.

26 | P a g e

OLM as Corporate BC:

BC/CSP in position – SBI(39), OGB(83)

BC/CSP proposed- UGB(48),OGB(81),SBI(18)

The active CSPs of SBI have started earning commission & we have received

commission from SBI LHO of Rs 1.07 lakhs till month of Dec‟ 2017.

Action points for Banks

OLM has requested Bank of India, Allahabad Bank, Canara bank & Axis Bank to

engage OLM as Corporate BC but so far we have not received any confirmation

in this regard from their end.

Unbanked GPs where internet connectivity is not available, in those locations V-

SAT connection may be provided by concerned Bank/NABARD for smooth

functioning.

KYC Verification of SHG Members

Reserve Bank of India vide their letter FIDD.GSSD.CO.NO.2248/09.01.003/2017-18 have

clarified that the collection of information on individual members must not be made a

precondition for opening the savings account of the SHG. It is requested to Controlling

Heads of Banks to instruct to branches under their jurisdiction and ensure compliance of

the intents of the circular.

PMEGP

The performance report under PMEGP as on 13.03.2018

Achievement against enhancement of tentative target under PMEGP in the year 2017-

18

The State Level Bankers Committee (SLBC) and the Khadi & Village Industries

Commission (KVIC) have already communicated the enhancement tentative district

wise and bank wise target under PMEGP for the year 2017-18. Further to that, it has also

informed that the said target have to be achieved by 31.03.2018.

It is observed that against the Target of Margin Money utilization of Rs. 11157.43 lakhs,

an amount of Rs. 3991.74lakhs has been utilized as on 13.03.2018, which is 35.78 % of the

target. The Banks are requested to speed up the process of sanction so that the target

can be achieved.

The Bank wise and District wise target and achievement is given in the Annexure – 31.

27 | P a g e

National Urban Livelihood Mission (NULM)

As reported by banks, against the physical target of 3000 for SEP-I, 243 for SEP-G & 2470

for SEP-BL, banks have sanctioned and disbursed 1629, 187 and 1261 number

respectively as on 05th Feb 2018. Detailed Report is available at Annexure -32.

Joint Liability Group (JLG)

Total amount disbursed for the period 01.04.2017 to 31.12.2017 is Rs.643.52 crore in

93777 accounts and balance outstanding as on 31.12.2017 is Rs. 1387.58 crore in 189141

accounts. Bank wise achievement as on 31.12.2017 is given in Annexure – 33.

Artisan Credit Card (ACC)

During the period of 01.04.2017 to 31.12.2017, the Banks in the State have issued 470 no.

of Artisan Credit Cards involving total amount of Rs.10.31 crore. The balance

outstanding as on 31.12.2017 is Rs.30.66 crore against 6594 accounts.

The Bank wise achievement is furnished in Annexure – 34.

Swarozgar Credit Card (SCC)

2065 SCCs have been issued for the period 01.04.2017 to 31.12.2017 amount Rs.11.53

Crore. The balance outstanding as on 31.12.2017 is Rs. 125.22 against 50795 accounts.

No SCC has been issued by Private Sector Banks and a few Public Sector Banks. The

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

The Bank wise achievement is furnished in Annexure – 35.

Financing under SC/ST Schemes:-

The representative of Odisha Schedule Casts & Schedule Tribe Development Finance

Co- Operative Corporation limited (OSCSTDFCC Ltd) informed that

During the financial year 2017-18, the Corporation had fixed target for financing 21000

Sch. Caste families through 2100 Self Help Groups, 5300 Sch. Tribes through individual

and SHGs under Credit Linked Income Generating Schemes through Banks. It has also

been decided to finance SC individual applications during 2017-18 where group

applications are not available but the individuals should not be more than 30% of total

target of a district.

The sector-wise target fixed and achievement made during – 2017-18 (upto 31.01.2018)

is given below.

28 | P a g e

Sl

Name

of the

Sector

Target fixed by

OSFDC

No.of applications

Sponsored

No.of applications

Sanctioned

Applications

Disbursed

Amount

disbursed

No.

of

SHG

No.

of

Benef

No.

of

SHG

No.of

Indiv.

Appln

Total

Benef

No.

of

SHG

No. of

Indv.

Appln

Total

Benef

No.

of

SH

G

No.

of

Indv

Appl

n

Total

Benef Subsidy

Bank

Loan

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13 (14)

(15)

1 SC

Sector 1756 17586 423 580 5051 236 155 2724 105 143 1313 122.35 165.93

2 ST

(DTDP) 530 5300 Target has not been distributed

TOTAL 2286 22886 423 580 5051 236 155 2724 105 143 1313 122.35 165.93

The district wise achievement under SC Sector is given in Annexure – 36.

AGENDA NO 13

Education Loan

All Commercial Banks have disbursed Rs. 330.45 Crore in 11642 accounts during

01.04.2017 to 31.12.2017. The balance outstanding as on 31.12.2017 is Rs. 2228.07 Crore

in 76953 accounts. The Bank wise performance is available at Annexure – 37.

As on

Outstanding Disbursement

No. of

Accounts

Balance

Outstanding

(Crore)

No. of

Accounts Amount (Crore)

31.03.2014 74368 1864.70 11187 198.30

31.03.2015 83621 2040.70 13399 246.28

31.03.2016 83964 2294.33 13725 272.80

31.03.2017 77519 2198.43 16792 331.37

31.12.2017 76953 2228.07 11642 330.45

Kalinga Sikhya Sathi Yojana (KSSY)

During the Period from 01.04.2017 to 31.12.2017, 1549 no. of accounts amounting

Rs.56.20 Crore has been sanctioned under the income group up to 4.50 lacs and 331

no. of accounts amounting Rs.11.65 Crore has been sanctioned under the income

group from 4.50 lacs to 6.00 lacs. The Bank wise achievement under KSSY is given in

Annexure – 38.

29 | P a g e

Govt. has made certain amended in the KSSY Scheme with regard to recognition of

NPA and inclusion of all courses pursued in all educational institutions for which the

Government of India interest subvention is applicable as per the CSIS scheme to

provide interest subsidy, all Controlling Head of Banks are requested to sensitize their

Staff members and sanction the loans under KSSY Scheme in large numbers.

AGENDA NO.14

Housing Loan

All Commercial Banks have disbursed Rs. 2390.37 Crore in 22535 accounts during

01.04.2017 to 31.12.2017. The balance outstanding as on 31.12.2017 is Rs. 11946.37 crore

in 194912 accounts.

(Amount in Rs Crore)

As on

Outstanding Disbursement

No. of Accounts Balance

outstanding No. of Accounts Amount

31.03.2014 156949 7364.30 19975 1697.98

31.03.2015 174618 8636.43 31342 1877.20

31.03.2016 183016 9802.80 29954 2303.26

31.03.2017 178451 10982.32 26902 2451.44

31.12.2017 194912 11946.37 22535 2390.37

Bank wise performance as on 31.12.2017 is available at Annexure – 39.

AGENDA NO.15

RSETI

As on 31.12.2017, 13126 Rural BPL/NRLM target group youth have been trained against

annual target of 15000 as on 31st March 2018 (achievement 88%)

The overall number of candidates trained as on 31.12.2017 is 16434 against annual

target of 20795 achievements 79%

Bank wise performance under BPL as on 31.12.2017 is as follows:

BANK BOI RUDSETI CBI SBI ANDHRA

BANK

UCO

BANK

% of

Achievement

92 71 85 87 83 92

30 | P a g e

The percentage of candidates settled as on 31.12.2017(cumulative) is 70 % against

National Average of 66%

The percentage of candidates settled with bank finance as on 31.12.2017 (cumulative)

is 50 % against National Average of 45%. The details are given in Annexure-40.

STATUS OF INFRASTRUCTURE IN RSETI

Issuance of permissive possession letter is pending in Puri District

Land is yet to be allocated to Cuttack and Dhenkanal District.

11 number of RSETIs the building construction has been completed.

12 number of RSETI the construction is in progress.

3 RSETI, the construction has not yet started.

Physical Possession yet to be given in respect of Angul District.

AGENDA NO.16

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

Progress made by Banks since 2009.

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

state (Year wise).

At the end of the year

Proposals covered during 01.04.2017

to 31.12.2017

No. of Accounts Amount in Rs. Crore

31.03.2009 3117 91.42

31.03.2010 6681 285.21

31.03.2011 13929 631.18

31.03.2012 14383 650.66

31.03.2013 16533 648.04

31.03.2014 15777 661.02

31.03.2015 14845 783.60

31.03.2016 19060 710.17

31.03.2017 18946 794.03

31.12.2017 9424 547.11

State wise Report on Guarantee approved from 01.04.2017 to 31.12.2017 indicates that

Odisha ranks 8th among all the States in India in respect of approved amount under the

guarantee scheme of CGTMSE. Bank wise and District wise CGTMSE coverage approval

for the period 01.04.2017 to 31.12.2017 is available at Annexure – 41.

31 | P a g e

AGENDA NO.17

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

Progress / Achievement made for 2017-18 – Financing under Minority Communities.

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

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

During 01.04.2017 to 31.12.2017, the Banks have extended credit of Rs. 251.18 crore to

27892 beneficiaries of minority community. The outstanding balance as on 31.12.2017 is

Rs. 2880.90 crore in 300663 accounts. Bank wise performance is available at Annexure – 42.

AGENDA NO.18

Disposal of loan applications under various Govt. schemes is available at Annexure – 43.

SLBC has already shared bank wise and branch wise pending list of sponsored loan

applications under different Government Scheme with request to dispose all loan

applications as per time norm. No application should be kept pending beyond the

stipulated time line for sanction of loan applications. Ineligible cases may be returned

to the concerned sponsoring Government departments with valid reasons.

AGENDA NO.19

Implementation of COIR UDYAMI YOJANA of Coir Board.

The Central Sector Scheme „Coir Udyami Yojana‟ (earlier known as REMOT Scheme) has

been under implementation during the XI Five Year Plan period. This flagship scheme of

Coir Board provides for financial assistance to the tune of 40% of the investment in

Building and Plant & Machinery for setting up of coir production units. The remaining

amount towards investment is funded through term loan (55%) from Banks and financial

institutions and 5% through beneficiary contribution. The Scheme was revamped during

the XII Plan period with enhancement in investment ceilings to Rs.10.00 lakhs per unit

and provision to extend Market Support Assistance to the beneficiaries. The modified

Scheme envisages the provision for working capital, as a composite loan from the

lending institutions, which shall not exceed 25% of the project cost. The revamped

scheme has been under implementation during the period from 2015-16.

32 | P a g e

(1) Review of implementation of Coir Udyami Yojana (CUY) during 2017-18.

During the current fiscal year a budgetary outlay of Rs.10.00 Crores has been

earmarked by the Central Government for setting up of 450 coir units under Coir

Udyami Yojana. Out of this total allocation and physical targets, an outlay of Rs.60.00

lakhs towards setting up of 30 numbers of units has been envisaged for Odisha State. So

far the Board has released an amount of Rs.23.20 lakhs to the banks as subsidy for

assisting 9 coir units under the Scheme. Bank-wise details of subsidy released under the

Scheme during 2017-18 are enclosed at Annexure-44. The Board is yet to achieve both

the physical target allocated for Odisha.

As per the information in the CUY portal of the Board, 125 applications are pending with

various banks in Odisha for considering loan sanction under the Scheme. The Bank

Branch wise details of CUY applications pending with the Banks are attached as

Annexure-45.

The Committee may give necessary directions to the Banks concerned to extend their

support and cooperation to consider he Coir Udyami Yojana applications pending with

them for sanctioning loan and release of first installment so as to achieve both the

physical and financial targets fixed for Odisha for the current year.

(2) Reconciliation of the funds released under CUY during 2015-16 and 2016-17.

Coir Udyami Yojana, as per the modified operational guidelines is under

implementation w.e.f. 1st April 2015. As per the stipulations in the modified operational

guidelines of the Scheme, the Coir Board has executed MoU with the State Bank of

India, Broadway Branch, Ernakulum on 13th October,2014 and designated the Bank as

the Nodal Bank for the disbursement of the Margin Money (subsidy), eligible to the

beneficiaries of the Scheme. Accordingly, from 1st April, 2015, the disbursement of

Margin Money (Subsidy), eligible to the beneficiaries of the Scheme, has been made to

the various Financing Bank Branches, through SBI, Broadway Branch. Since 1st April,

2015, the Board has released a total of Rs.2.40 crores to the Banks in Odisha for assisting

108 coir units through SBI, Broadway Branch. Bank-wise details of subsidy released under

CUY during 2015-16 and 2016-17 are enclosed at Annexure-46.

As part of mapping of all the Schemes of the Board under PFMS, the Ministry has

directed the Board to operate its all accounts with a single Bank. Accordingly, the CUY

Subsidy Account opened with SBI, Broadway Branch has been transferred to SBI,

Ravipuram Branch.

As per Clause 14 of the MoU executed, State Bank of India as the Nodal Bank shall, on

a quarterly basis render accounts to the Coir Board on reconciliation of the lump sum

Margin Money (subsidy) placed with them indicating the branch-wise details of number

of units assisted, interest accrued, Margin Money (subsidy) admissible, Margin Money

33 | P a g e

(subsidy) refund due to Coir Board etc. The consolidated statement beneficiary-wise

shall be supported by the Loanee-wise details furnished by each branch.

Since Nodal Bank could able to reconcile the funds only on receipt of the beneficiary-

wise details from the financing banks, the Committee may kindly give necessary

directions to the Banks concerned for furnishing the beneficiary-wise reconciliation

statements of the funds received under the Scheme to the SBI, Ravipuram Branch, in

the prescribed format, so that they could furnish a consolidated reconciliation

statement of the funds released under the Scheme during 2015-16 and 2016-17 to the

Coir Board.

(3) Adjustment of Margin Money (Subsidy)

As per the operational guidelines of CUY, the Margin Money (Subsidy) on the actual

investment in terms of capital expenditure only be retained by the Financing Bank and

excess, if any, shall be refunded to Coir Board through the CUY SB Account opened

with the Nodal Bank, immediately, after the project is ready for commencement of

production. The projects shall be completed within six months from the release of loan

by the Financing Bank.

The Margin Money (subsidy) so transferred by the Nodal Bank to the Financing Bank

shall be kept in the Term Deposit Receipt (TDR) for two years at the Financing Bank in

the name of the beneficiary. No interest will be paid on the TDR. The Margin Money

(subsidy) kept deposited as above shall be credited to the loan account of the

beneficiary after two years, from the date of first disbursement of loan, by the bank. The

Financing Bank may foreclose the loan account by appropriating the Government

Subsidy after the said lock in period of two years after joint physical verification.

The matter has already been conveyed to all the financing bank branches and

requested them to adjust the subsidy to the beneficiary‟s loan account only after

conducting joint physical verification by the Coir Board and the Bank. The Field Offices

of the Board have already given instructions to conduct the physical verification of the

units assisted during the last two years in association with the financing banks and

upload the photographs of the units in the e-tracking system. They have also advised to

give instructions to the financing banks to adjust the subsidy to the loan account of the

beneficiaries, who have fulfilled all the parameters of the Scheme or otherwise refund

the subsidy to the CUY SB Account No.34851491203 with the State Bank of India,

Ravipuram Branch.

The Banks may be requested to co-operate with the Field Offices of the Board for

conducting the joint physical verification for adjusting the subsidy released under the

Scheme.

(4) Reconciliation of subsidy released under the pre-revised Scheme of CUY (REMOT)

The Coir Board has released a total amount of Rs.470.97 lakhs to different designated

banks in Odisha under the REMOT Scheme during XI & XII Plan period (Upto 31.03.2015)

for assisting 259 units. Bank wise details are as follows:

34 | P a g e

Even after repeated requests the banks have not furnished the beneficiary wise

reconciliation statements in the prescribed format. The banks may be requested to

furnish the details as required by the Board. Since the scheme is proposed to be

merged with PMEGP all the reconciliations have to be done urgently. A detailed

statement of the fund released to different banks is enclosed as Annexure 47.

AGENDA NO.20

Calendar of Programme for conducting SLBC Meetings

SLBC Convenor Banks have been advised by RBI to prepare a yearly Calendar of

Programme in the beginning of the year for convening SLBC meetings and to adhere to

the schedule as per the Calendar of Programme. The detail is furnished in Annexure-48.

Date of holding SLBC Meetings

Quarter ended March 2018 – 15.05.2018 (Tuesday)

Quarter ended June 2018 – 16.08.2018 (Thursday)

Quarter ended September 2018 – 14.11.2018 (Wednesday)

Quarter ended December 2018 – 16.02.2019 (Saturday)

In this connection, all will appreciate to note that the Calendar of Programme was

conceived so as to enable members of SLBC and important functionaries to have

adequate notice of the meeting and block the dates to ensure participation in the

meeting.

Timely submission of error free data to SLBC

It is observed that some banks are not providing data in time to SLBC which results in

non-compilation / updating of data and correct data is not reflected in the meetings.

Banks should ensure that correct data are provided to SLBC in time to enable the later

to present the same in the meetings for review.

Sl.No Name of Bank Amount (Rs.

in Lakhs)

Units

1 Bank of Baroda 102.80 54

2 Canara Bank 20.40 5

3 Central Bank of India 80.60 41

3 Indian Bank 15.60 9

4 Indian Overseas Bank 52.40 46

5 State Bank of Travancore 38.40 15

6 UCO Bank 160.77 89

Total 470.97 259

35 | P a g e

Passing of Instructions to Branches

Taking into consideration, the feedback received by SLBC from different sources, it is

requested to the Controlling Heads of all banks to ensure that all instructions from

Government of India, State Government, RBI , NABARD and SLBC reach the branches in

time for implementation of various programmes / Schemes.

Improving infrastructure and strengthening of staff at LDM Offices

The Department of Financial Services, Ministry of Finance, Government of India and

Reserve Bank of India has been stressing for the need to improve the infrastructure at

LDM offices and strengthen the Office of LDM with the required staff, vehicle, Internet

facility etc. to enable the LDM to discharge the duties effectively. Some of the District

Collectors have opined that due to lack of required staff at LDM offices is affecting the

functioning of the LDM. Controllers of the Lead Banks are requested to provide

adequate staff to strengthen the LDM‟s office.

Fixed

Location

Banking

through BC

visits every

week

Banking

through BC

visits once in

a fortnight

Banking

through BC

visits more

than once in a

fortnight

BCs-sub

total

=6+7+8+9

1 2 4 5 6 7 8 9 10 11 12 13

1 UCO Bank 2713 6 0 2713 0 0 2713 0 2719 100.22

2 Andhra Bank 1256 11 0 859 0 224 1083 0 1094 87.10

3 Axis Bank 90 0 42 0 22 0 64 18 82 91.11

4 Bank of Baroda 809 23 792 0 0 0 792 0 815 100.74

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

6 Central Bank of India 685 9 82 594 0 0 676 0 685 100.00

7 Dena Bank 20 3 0 0 10 0 10 0 13 65.00

8 HDFC Bank 56 6 9 0 0 42 51 0 57 101.79

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

10 IDBI Bank 28 24 0 16 3 5 24 0 48 171.43

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

12 IndusInd Bank 33 0 3 27 0 3 33 0 33 100.00

13 Indian Overseas Bank 1471 10 1461 0 0 0 1461 0 1471 100.00

14 Odisha Gramya Bank 7587 269 636 3311 1315 0 5262 683 6214 81.90

15 Punjab National Bank 1170 34 105 650 290 59 1104 0 1138 97.26

16 Utkal Grameen Bank 10192 59 0 9612 0 0 9612 0 9671 94.89

17 Union Bank of India 839 0 0 839 0 0 839 0 839 100.00

18 State Bank of India 12388 100 1468 10129 321 370 12288 0 12388 100.00

19 Syndicate Bank 342 7 331 0 0 0 331 0 338 98.83

20 Federal Bank 19 5 0 0 0 0 0 0 5 26.32

21 Canara Bank 544 43 65 523 0 0 588 42 673 123.71

22 Allahabad Bank 652 4 99 490 66 0 655 12 671 102.91

23 Oriental Bank of

Commerce90 11 18 62 0 0 80 0 91 101.11

24 United Bank of India 1554 1 361 0 1194 0 1555 0 1556 100.13

45894 681 5509 33087 3229 703 42528 755 43964 95.79TOTAL

Annexure - 1

Branches

BC

Other

modes

Grand

Total =

5+10+11

Sl Name of the Bank

No. of

URCs

allotted%ge of

Achievement

Roadmap for providing banking services in every village having population below 2000 -

Progress as on 31.12.2017Name of State/UT: ODISHA

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

of the reporting Quarter

Fixed

Locations

Banking

through BC

visits every

week

Banking

through BC

visits once in a

fortnight

Banking through

BC visits more than

once in a fortnight

BCs-sub total

=6+7+8+9

1 2 4 5 6 7 8 9 10 11 12 13

1 ANGUL 1709 44 249 972 206 35 1462 81 1587 92.85

2 BALASORE 2466 50 274 1552 313 23 2162 121 2333 94.59

3 BARGARH 1036 9 110 1117 15 19 1262 0 1271 122.68

4 BHADRAKH 1084 19 149 909 107 10 1175 21 1215 112.12

5 BOLANGIR 1693 7 162 1624 35 21 1842 2 1851 109.35

6 BOUDH 1090 8 29 759 37 6 831 0 839 76.94

7 CUTTACK 1659 40 275 1260 131 25 1690 21 1751 105.57

8 DEOGARH 697 3 37 571 20 7 635 0 638 91.55

9 DHENKANAL 972 30 133 831 77 16 1058 10 1098 112.92

10 GAJAPATI 1516 10 92 1063 182 6 1343 1 1354 89.30

11 GANJAM 2859 32 408 2500 45 126 3079 4 3115 108.97

12 JAGATSINGHPUR 1121 23 213 697 182 7 1098 36 1157 103.26

13 JAJPUR 1367 36 302 1011 122 14 1449 6 1491 109.09

14 JHARSUGUDA 316 8 39 378 12 12 441 0 449 142.17

15 KALAHANDI 2030 9 233 1547 38 27 1845 0 1854 91.34

16 KANDHAMAL 2517 9 115 1422 60 35 1632 0 1641 65.18

17 KENDRAPARA 1393 24 281 898 92 15 1286 95 1405 100.85

18 KEONJHAR 1975 41 185 1415 129 11 1739 75 1855 93.95

19 KHORDHA 1254 38 253 628 135 6 1021 92 1151 91.82

20 KORAPUT 1874 7 220 1448 15 29 1712 13 1732 92.41

21 MALKANGIRI 1106 6 45 964 6 11 1026 0 1032 93.33

22 MAYURBHANJ 3401 66 255 1956 640 14 2864 66 2996 88.09

23 NABARANGPUR 760 10 90 753 7 9 858 0 868 114.26

24 NAYAGARH 1485 22 336 740 112 6 1194 54 1270 85.51

25 NUAPADA 632 14 73 666 48 8 795 0 809 127.97

26 PURI 1714 50 265 828 185 117 1395 55 1500 87.53

27 RAYAGADA 2591 20 316 1533 70 30 1949 0 1969 76.00

28 SAMBALPUR 1201 18 98 1066 43 20 1227 0 1245 103.64

29 SONEPUR 791 3 67 731 19 9 825 0 828 104.70

30 SUNDARGARH 1585 25 205 1250 144 34 1632 2 1659 104.65

45894 681 5509 33087 3229 703 42528 755 43964 95.79TOTAL

Roadmap for providing banking services in every village having population below 2000 - Progress as on 31.12.2017

Name of State/UT: ODISHA

SlName of the

District

No. of URCs

allotted%ge of

Achievement

Annexure - 1

Branches

BC

Other modesGrand Total =

5+10+11

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

the reporting Quarter

Annexure - 2

TOTAL

RURAL URBAN RURAL URBAN RURAL URBAN (RURAL+URBAN)

1 PSBs 985,516 578,673 6,376,222 3,053,372 7,361,738 3,632,045 10,993,783

2 SPONSORED RRBs 35 223 1,582,789 50,655 1,582,824 50,878 1,633,702

3 PRIVATE SECTOR BANKS 85,220 25,617 179,635 325,934 264,855 351,551 616,406

4 TOTAL (1+2+3) 1,070,771 604,513 8,138,646 3,429,961 9,209,417 4,034,474 13,243,891

E-KYC WITHOUT AADHAAR SUB TOTALSR.NO. BANKS

PRADHAN MANTRI JAN DHAN YOJNA

PROGRESS REPORT ON NO. OF ACCOUNTS OPENED UNDER PMJDY : UP TO 31.12.2017

NAME OF STATE: ODISHA

NO OF ACCOUNTS OPENED

RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN

1 Allahabad Bank 48721 12452 20040 9263 68761 21715 90476 3051 893 1301.62 407.36 39271 12402 51587 1889 190092 1592 61595 10879

2 Andhra Bank 100528 79459 100379 45054 200907 124513 325420 18009 18503 3356.00 1567.00 80927 41664 75693 51508 31243 40289 31257 40582

3 Bank of Baroda 4088 4878 242211 319288 246299 324166 570465 13530 12353 1153.52 1633.54 238010 246347 217610 223125 49443 53405 234018 308002

4 Bank of India 4573 1981 381962 293614 386535 295595 682130 2255 31800 11652.92 8530.95 208120 176115 386535 295595 115606 107640 386535 295595

5 Bank of Maharastra 0 3750 0 7502 0 11252 11252 0 2586 0.00 15.44 0 4080 0 5065 0 1716 0 6719

6 Canara Bank 123432 52827 74297 19075 197729 71902 269631 18931 5968 7077.74 1536.33 145033 31226 134227 32204 134227 32204 197874 45707

7 Central Bank of India 42961 55641 14413 27066 57374 82707 140081 3388 3450 1376.25 1818.38 42961 55641 41308 59619 27852 41237 55000 80531

8 Corporation Bank 19216 28961 45236 32658 64452 61619 126071 6457 12160 1514.80 3894.80 25123 47561 48792 41256 35374 67895 35374 67895

9 Dena Bank 8385 3300 3952 3018 12337 6318 18655 1497 1423 210.12 98.50 8385 3300 12035 5860 4935 5103 12337 6318

10 IDBI Bank 2236 9589 1880 4435 4116 14024 18140 0 0 890.00 230.00 2129 6169 3236 12754 2100 7230 3800 13485

11 Indian Bank 114719 7148 45883 5016 160602 12164 172766 25510 3112 3177.60 255.03 114719 7148 159423 12053 134583 10040 134212 10902

12 Indian Overseas Bank 81247 64214 112395 69902 193642 134116 327758 51201 25834 5093.51 2346.76 126438 99876 194880 132870 126419 69138 198556 142587

13 Oriental Bank of Commerce 302 1305 35302 74131 35604 75436 111040 3078 10221 1902.73 4994.63 22625 38118 28413 70286 27146 64599 33522 73185

14 Punjab & Sind Bank 50912 40246 177267 79565 228179 119811 347990 242 295 362.36 615.50 3449 2280 246 320 251 326 6776 5791

15 Punjab National Bank 100528 79459 100379 45054 200907 124513 325420 6439 5445 3556.00 1967.00 147810 76112 200690 136605 200690 136605 198960 135501

16 State Bank of India 24566 49736 3950190 1653731 3974756 1703467 5678223 440863 188941 83689.02 358