190th Meeting of State Level Bankers’ Committee of Andhra ...



193675356235Agenda & Background Notes199th Meeting of State Level Bankers’ Committee, Andhra Pradesh (16th Meeting of Reorganized A.P State) State Level Bankers` Committee of A.P Convenor Andhra Bank Andhra Bank, Circle Office, R R Appa Rao Street, Vijayawada – 520 001Phone: 0866-2562522, 2562518 Fax: 0866-2562521, Email: slbc@andhrabank.co.in9500095000Agenda & Background Notes199th Meeting of State Level Bankers’ Committee, Andhra Pradesh (16th Meeting of Reorganized A.P State) State Level Bankers` Committee of A.P Convenor Andhra Bank Andhra Bank, Circle Office, R R Appa Rao Street, Vijayawada – 520 001Phone: 0866-2562522, 2562518 Fax: 0866-2562521, Email: slbc@andhrabank.co.in199th SLBC Meeting Agenda – Index01. Adoption of MinutesS. NoParticularsPage No. 1.1Adoption of the minutes of 198th SLBC meeting of AP held on 30.03.2017 and other meetings of SLBC held after 30.03.2017802. Major Action Points of earlier SLBC / Steering Committee Meetings – ATRS. NoParticularsPage No.2.1Wednesday visits by Rural & Semi-urban branches & customer meets by Urban & Metro branches along with Janmabhoomi Committee of Government of AP92.2Sanction & disbursement of five Term loan accounts (excluding Gold loans and Crop loans) under Priority sector per branch per month92.3Simplification of procedure of creation of Charge / Mortgage of land with no registration charges92.4 Allotment of sites to RSETIS92.5Reimbursements of claims under Vaddi Leni Runalu and Pavala Vaddi Schemes for the years 2013-14 102.6Power Consumption by BCs- request for charging of domestic tariff102.7Extending relief measures to Emu farmers102.8Convene Sub-Committee meetings on Financing to Agriculture and Tenant Farmers MSMEIntegration of Welfare schemes with Bank finance103.0 Conduct of meetings under Lead Bank SchemeS. NoParticularsPage No.3.1Conduct of meetings under Lead Bank Scheme114.0 Banking StatisticsS. NoParticularsPage No. 4.1Banking at a glance in Andhra Pradesh as on 31.03.201712 4.2Banking Key Indicators of Andhra Pradesh134.3Comparative Statement of Banking Key Indicators13 4.4Statement of Priority Sector Advances (out standings)1405. Achievement of Annual Credit Plan 2016 –17S. NoParticularsPage No.5.1Achievement of Annual Credit Plan as on 31.03.2017 165.2Share of Banks in Achievement of ACP 2016-17 175.3Annual Credit Plan Achievement – Last Three years195.4Comparative Statement of Credit Disbursements (Y-o-Y)1906. Agriculture SectorS. No.ParticularsPage No.6.1Progress in lending to Agriculture Sector 206.2Performance of Joint Farming Groups of ‘Bhoomi Heen Kisan’ during the year 2016-17 206.3Progress in lending to LEC holders 216.4Pledge financing against Negotiable Warehouse Receipts (NWRs)226.5Relief measures by Banks in Areas Affected by Natural Calamities226.6Loan Charge Creation Module in AP Web land Portal226.7Pradhan Mantri Fasal Bima Yojana (PMFBY) / Restructured Weather Based Crop Insurance Scheme (WBCIS)226.8Vaddi Leni Runalu and Pavala Vaddi scheme on crop loans – Continuation of the scheme for the year 2017-18236.9Doubling Farmers Income by 2022 – Measures246.10Farmer Producer Organizations (FPOs)246.11Promotion of Credit Linkage for Bee-Keeping256.12Continuation of Interest Subvention Scheme for short-term crop loans on interim basis during the year 2017-182507. Micro, Small & Medium Enterprises (MSME) SectorS. No.ParticularsPage No.7.1Position of Lending under MSME sector267.2Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Scheme 277.3Stand Up India Scheme277.4Pradhan Mantri MUDRA Yojana (PMMY)287.5Coir Udyami Yojana (CUY)287.6Rationalization of Mortgage Registration Charges2808. Housing LoansS. NoParticularsPage No.8.1Position of Housing Loans as on 31.03.2017298.2Housing for All (Urban) under Pradhan Mantri Awas Yojana (PMAY)298.2.1Credit Linked Subsidy Scheme 298.2.2PMAY (Urban) under HFA – BLC Programme – Sanction of loans to beneficiaries by pledging LPC (Land Possession Certificate) issued by Revenue authorities298.2.3Pradhan Mantri Awas Yojana (PMAY) - Housing for All (Urban) - Affordable Housing in Partnership (AHP)3009. Education LoansS. NoParticularsPage No.9.1Position of Education Loans as on 31.03.2017 3010. Export CreditS. NoParticularsPage No.10.1Position of Export Credit in Andhra Pradesh30 11. Credit Flow to Minority Communities, weaker sections, women and SC/STsS. NoParticularsPage No.11.1Credit Flow to Minority Communities, weaker sections, women and SC/STs 3112. Government Sponsored Schemes - Government of IndiaS. NoParticularsPage No.12.1Deendayal Antyodaya Yojana - National Rural Livelihood Mission (DAY-NRLM)3212.2Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY - NULM) 3212.3Prime Ministers’ Employment Generation Programme (PMEGP)3312.4Handloom Weavers – MUDRA scheme 3312.5Dairy Entrepreneurship Development Scheme (DEDS) 3412.6Agri - Clinics & Agri-Business Centers (ACABC)3412.7DRI3413. Government Sponsored Schemes - Government of Andhra PradeshS. NoParticularsPage No.13.1Andhra Pradesh Micro Irrigation Project (APMIP) 3513.2Fisheries 3513.3Horticulture3513.4Sericulture 3513.5Corporation wise Achievements3613.6A.P. State Brahmin Welfare Corporation Ltd.3613.7Welfare of Differently Abled and Senior Citizens3713.8Overdue position under Government sponsored schemes as on 31.03.20173714. MFI finance extended S. NoParticularsPage No.14.1Position of MFI finance extended as on 31.03.2017 3815. Financial InclusionS. NoParticularsPage No.15.1Roadmap for opening brick and mortar branches in villages with population more than 5000 without a bank branch of a scheduled commercial bank - Progress as on 31.03.20173815.2Availability of ATMs in the State of Andhra Pradesh3815.3National Mission on Financial Inclusion Plan – Pradhan Mantri Jan Dhan Yojana(PMJDY)3915.3.1Progress on Number of Accounts opened under PMJDY 3915.3.2Aadhaar & Mobile seeding in Operative individual savings Bank accounts3915.3.3Progress report - Number of Enrollments under Social Security Schemes 3915.3.4Deployment of Bank Mithras4015.3.5Upgrading electronic point of sale (e-PoS) at Fair Price Shops (FPS) / Public distribution shop (PDS) to support Financial Inclusion4015.3.5.1Implementation of AePDS Project by Banks4115.3.5.2Release of commission on Pension amounts disbursed under SSP project in Krishna District4115.3.6Solar Powered V-SAT connectivity to Kiosk / Fixed CSPs in the Sub-Service Areas – Support under FIF: as on 20.05.20174115.3.7Banking Infrastructure details in Visakhapatnam district (one of the 35 worst affected LWE districts in the country)4215.3.8Aadhaar seeding into bank accounts of Mahatma Gandhi NREGA wage seekers by Banks4215.3.9Promoting usage of Digital Transactions4315.4Credit Plus activities4315.4.1Financial Literacy Centers (FLCs)4315.4.2Conduct of Financial Literacy Programmes4315.4.3Rural Self Employment Training Institutes in Andhra Pradesh 4415.4.4AP SLBC Call Centre4416. Overdue/NPA positionS. NoParticularsPage No.16.1Overdue / NPA position as on 31.03.2017 under various sectors 4517. Regional Rural BanksS. NoParticularsPage No.17.1Performance of Regional Rural Banks on Important Parameters 4818. Other ItemsS. NoParticularsPage No.18.1Progress of filing of Equitable Mortgage Records on CERSAI5019. Circulars Issued by RBIS. NoParticularsPage No.19.1Circulars issued by Reserve Bank of India 5020. AnnexureS. NoParticularsPage No.Bank wise Number of Branches as on 31.03.201751Bank wise Deposits and Advances & CD Ratio as on 31.03.201753District-wise Number of branches as on 31.03.201755District-wise Deposits and Advances & CD Ratio as on 31.03.201756Bank wise Priority Sector Advances as on 31.03.201757District-wise Priority Sector Advances as on 31.03.201759Bank wise total Agricultural advances outstanding as on 31.03.2017 (Priority and Non Priority)60Bank wise Agricultural advances outstanding to Small and Marginal farmers as on 31.03.201761Bank-wise total MSME advances outstanding as on 31.03.2017 (Priority and Non Priority)62Bank wise Housing Loans as on 31.03.2017 (Priority and Non Priority)64Bank wise Education Loans as on 31.03.2017 (Priority and Non Priority)65Bank wise Social Infrastructure and Renewable Energy loans as on 31.03.201766Bank wise data on Export Credit as on 31.03.201767Bank wise Advances to Minority Communities, Weaker Sections, SC /ST, Women as on 31.03.201768Bank wise Advances under DRI as on 31.03.201770Bank wise Outstanding SHG Advances as on 31.03.201772Bank wise position on overdue/NPAs (sector wise) as on 31.03.201773Annual Credit Plan 2016-17 Bank wise achievements in all sectors as on 31.03.201791Annual Credit Plan 2016-17 District wise achievements in all sectors as on 31.03.201794Bank wise Disbursements under Housing Loans as on 31.03.201797Bank wise Disbursements under Education Loans as on 31.03.201798Bank wise JLGs financed during 2016-17 up to 31.03.201799Bank wise performance under pledge financing against NWRs as on 31.03.2017100Data on relief measures extended by banks on account of Natural Calamities – 2016-17 upto 31.03.2017101District wise details of Loan Charge creation as on 07.05.2017 102District wise progress under CGTMSE during 2016-17 upto 31.03.2017103Bank wise performance under Stand Up India 104Bank wise performance under PMMY 107District wise progress under MUDRA scheme to Handloom Weavers & Weaver Entrepreneurs109Details of FLCs as on 31.03.2017110Comprehensive Performance report of RSETIs for the financial year 2016-17 up to March, 2017116Bank wise progress in filing of Equitable Mortgage records on CERSAI117Progress Report on weekly visits by rural/semi urban branches and customers meet by urban and metro branches119Progress report on sanction of 5 Term loans per month per branch121Bank wise status on Aadhaar & Mobile seeding in Operative individual savings Bank accounts122Proceedings of the meetings conducted after 198th SLBC meeting123AGENDA- 1Adoption of the minutes of 198th SLBC meeting of AP held on 30.03.2017 and other meetings of SLBC held after 30.03.2017The minutes of 198th SLBC meeting held on March 30, 2017 were circulated to the members of SLBC, LDMs and Government Departments concerned.The minutes of Sub-committee meetings and Steering Committee meetings held after 30.03.2017 and up to 24.05.2017 were circulated to the members of SLBC, LDMs and Government Departments concerned. Details of the meetings held are furnished hereunder.Sl. No.Name of the MeetingDate of Meeting held1198th Meeting of SLBC of AP 30.03.20172Sub - Committee meeting on MSME11.04.20173Sub - Committee meeting on Integration of Welfare Schemes of GoAP with Bank finance11.04.20174Sub - Committee meeting on financing to Agriculture & Tenant Farmers11.04.20175Meeting with Major Banks in the state of Andhra Pradesh on SHGs20.04.20176Follow up Meeting of Sub-Committee on Financing to Agriculture & Tenant Farmers03.05.20177Meeting with Major Banks on Pradhan Mantri Awas Yojana (PMAY)03.05.20178Follow up Meeting of Sub-Committee on Integration of Welfare Schemes with Bank Finance03.05.20179Meeting with Top Executives of Major Banks on Financing to Tenant Farmers09.05.201710Meeting with Major Banks on District level Events on Promotion of Financial Literacy24.05.2017These minutes may be taken as approved by the house as no amendments/changes were received by SLBC of Andhra Pradesh. AGENDA- 2Major Action Points of earlier SLBC / Steering Committee Meetings – ATRS.NoAction PointAction byAction initiated/Status2.1Wednesday visits by Rural & Semi-urban branches & customer meets by Urban & Metro branches along with Janmabhoomi Committee of Government of AP need to be improved & monitored.All Banks & GoAPProgress Report placed as Annexure No.33 2.2Sanction & disbursement of five Term loan accounts (excluding Gold loans and Crop loans)under Priority sector per branch per month to improve term lending.All BanksProgress Report placed as Annexure No.34 2.3Simplification of procedure of creation of Charge / Mortgage of land with no registration charges Finance (IF) Dept., GoAPDuring 195th SLBC meeting held on 12.09.2016, Hon’ble Chief Minister of A.P agreed for examination of the proposal.SLBC vide Lr.No.2716/30/343/012 dated 04.04.2017 has requested Finance (IF) Department to take up with the Department concerned and inform the decision.Decision is awaited from Finance (IF) Department, GoAP.2.4Allotment of sites to RSETIs Revenue Depart. GoAPGuntur: District Collector has allotted land with the condition that alienation will be done on payment of market price. APLMA recommended for allotment of land on lease basis for a period of 33 years, on free of cost. Chittoor: An extent of Ac 1.00 has been identified in Sy. No. 654/4 at Thenabanda village. The proposal is pending at RDO Office, Chittoor.Visakhapatnam: An extent of Ac 1.00 out of 34.25 acres has been identified in Sy. No. 114 at Chinamushidiwad by the Tahsildar, Pendurthi on 29.12.2016. Subdivision of land and demarcation of site is yet to be done.2.5Reimbursements of claims under Vaddi Leni Runalu and Pavala Vaddi Schemes for the year 2013-14Agril. Depart., GoAPGovernment is requested for early settlement of the pending claims of 2013-14 which have been withheld with the reason that the benefits have already been passed on to the beneficiaries as part of Debt Redemption Scheme. The amounts are lying unpaid in the books of the banks since a long time as these amounts were parted by the banks to the beneficiaries prior to the announcement of Debt Redemption scheme.SLBC vide Lr.No.2716/30/317/011 dated 04.04.2017 requested Department of Agriculture, GoAP to expedite settlement of long pending claims.2.6Power Consumption by BCs- request for charging of domestic tariff - Government is requested to review and restore the domestic tariff towards the power consumed at the Bank Mithra (BM) locations as the activity undertaken by them is not a commercial activity.Finance (IF) Dept., GoAPSLBC vide Lr.No.2716/30/322-P/015 dated 04.04.2017 has requested Finance (IF) Department to take up the issue with Department concerned and inform the decision. (Issue raised by APGVB)Decision is awaited from Finance (IF) Department, GoAP.2.7Extending relief measures to Emu farmersDept. of Animal Husbandry, GoAPSLBC vide Lr.No.2716/30/7/751, dated 03.03.2017 has furnished the information of outstanding loans financed to Emu farmers as on 31.12.2016 collected from banks to Department.Guidelines awaited from Department.2.8Convene Sub-Committee meetings on Financing to Agriculture and Tenant Farmers MSMEIntegration of Welfare schemes with Bank financeAction initiatedSub-committees met on 11.04.2017 and minutes of the meeting was circulated to all member banks. AGENDA- 33.1. Conduct of meetings during March, 2017 Quarter under Lead Bank Scheme to review the key banking parameters in the district for December, 2016 Quarter: Details of DCC / DLRC meetings conducted in 13 districts during March, 2017 quarter are furnished hereunder. DistrictDate of the Meeting conductedPeoples Representatives attendedDLRCDCCDLRCSrikakulam03-03-1726-04-17No Public representative has attendedMeeting conducted with delayVizianagaram29-04-1729-04-17Sri RVSK Ranga Rao, Hon'ble MinisterSmt. Sobha Swathi Rani, Chairperson, Zilla Praja Parishad, VizianagaramSmt. Meesala Geetha, Hon’ble MLASri K. A. Naidu, Hon’ble MLAMeeting conducted with delayVisakhapatnam28-03-1728-03-17No Public representative has attendedEast Godavari28-03-17-DLRC Not ConductedWest Godavari27-03-17-DLRC Not ConductedKrishna 01-03-1701.03.17Spl DLRC 15.03.17Sri D. Umamaheswara Rao, Hon’ble Minister Sri Kollu Ravindra, Hon'ble Minister, Sri B. Prasad, Hon'ble MLAGuntur18-03-1718-03-17No Public representative has attendedPrakasam01.03.201710.03.201730.03.201701.03.2017No Public representative has attendedSPS Nellore22-03-1722-03-17No Public representative has attendedChittoor25.01.2017 14.03.201725.01.2017Smt. D.Satya Prabha, Hon’ble MLA YSR Kadapa27-03-17-DLRC Not Conducted due to election code of conduct in the districtKurnool04-02-17-DLRC Meeting Scheduled to be held on 04/03/2017 at 3.00 pm was postponed by the District Collector due to Election code of conductAnanthapuram--Not conducted because of busy schedule of District Collector AGENDA- 4Banking Statistics4.1 Banking at a Glance in Andhra Pradesh as on 31.03.2017 (Amount in Crores)Total Number of Bank Branches Rural - 2777 Semi Urban - 2090Urban - 1940 Metro - 351 7158Total Deposits in the State 262556Total Advances in the State273372Credit Deposit Ratio (RBI norm -60%)104.12%Total Priority Sector Advances 182881% of Priority Sector Advances to ANBC (RBI Norm 40%)of which75.47%Agricultural Advances % of Agrl. Adv. to ANBC (RBI norm - 18%) 109208(45.07%)Of whichSmall & Marginal Farmers(RBI norm – 8% of ANBC)59354(24.49%)Micro & Small Enterprises (% to ANBC)38971(16.08%)Out of which Micro Enterprises(RBI norm – 7.5% of ANBC)21197(8.75%)Medium Enterprises5012Total MSME(% to ANBC)43983(18.15%)Export Credit807Education3857Housing20028Social Infrastructure73Renewable Energy27Others4898Out of Total Priority Sector Advances, finance to:SHGsAdvances to Weaker Sections(RBI norm - 10% of ANBC)Advances to Women(RBI norm -5% on NBC)Advances to SC/STAdvances to Minorities (Norm 15% on priority sector)1785058339(24.08%)39482(16.29%) 11080 12690(6.94%)Note: % is calculated on total advances of 31st March of previous year instead of ANBC since ANBC is not available for the State.Banking Key Indicators of Andhra Pradesh: (Amount in crores)S. NoPARTICULARSAs on 31.03.2015As on 31.03.2016As on 31.03.20171.Number of Branches:Rural2,4782,6702,777Semi Urban1,9992,0242,090Urban1,7661,8631,940Metro297332351Total6,5406,8897,1582.Deposits 1,93,7532,18,0222,62,5563.Incremental Deposits (% of increase)28,511(17.25%)24,269(12.53%)44,534(20.43%)4.Advances 2,15,7972,42,3112,73,3725.Incremental advances(% of increase)14,596(7.25%)26,514(12.29%)31,061(12.82%)6.C.D.Ratio(RBI norm - 60%)111.38%111.14%104.12%7Incremental CD Ratio51.19%109.25%69.75%4.3 Comparative Statement of Banking Key Indicators: Number of BranchesParticularsAs on 31.03.2016As on 31.03.2017Increase in No. of Branches over March, 2016Rural2,6702,777107Semi Urban2,0242,09066Urban1,8631,94077Metro33235119Total6,8897,158269 (Amount in crores)ParticularsAs on 31.03.2016As on 31.03.2017% Increase over March, 2016Deposits 2,18,0222,62,55620.43Advances 2,42,3112,73,37212.82Comparative statement of Banking Key Indicators as on 31.03.2016 vis-à-vis 31.03.2017 between Public Sector vis-à-vis Private Sector, RRBs & Cooperative Banks: (Amount in crores) CategoryPublic Sector BanksPvt. Sector BanksRRBsCo-op. BanksOthers (APSFC)31.03.1631.03.1731.03.1631.03.1731.03.1631.03.1731.03.1631.03.1731.03.1631.03.17Rural Br.1547160114314879484018618800Semi Urban Br.1437147429331318519410910900Urban Br.12781319338357138148961021314Metro Br.2612716673550200Total Branches45234665840891112211873914011314Deposits1652841959152702831392194452374162601150850Advances1742821936943914546211173862030797931160917051551Statement of Priority Sector Advances (Outstanding) (Amount in crores)S. No.ParticularsAs on 31.03.15As on 31.03.16As on 31.03.171Short Term Production loans65,35367,17472,5912Total Agrl. Term Loans 30,24432,74936,6173Total Agrl. Advances95,59799,9231,09,208% of Agrl. Advances to ANBC (RBI norm- 18%)47.51%46.30%45.07%4Micro & Small Enterprises (% to ANBC )32,276(16.04%)36,218(16.78%)38,971(16.08%)Medium Enterprises (Classified as Priority Sector w.e.f. 23.04.2015)NA4,7655,012MSME Total(% to ANBC)32,276(16.04%)40,983(18.99%)43,983(18.15%)5Export Credit(Classified as Priority Sector w.e.f. 23.04.2015)NA9618076Others’ under Priority Sector Advances (% to ANBC)23,609(11.73%)27,255(12.63%)28,883(11.92%)Total Priority Sector Advances1,51,4821,69,1221,82,881% of Priority Sector Advances to ANBC (RBI norm -40%)75.29%78.37%75.47% NA: Not ApplicableBanking Key Indicators (amount in Crores)AGENDA- 5Annual Credit Plan 2016 – 17Achievement of Annual Credit Plan as on 31.03.2017 (Rs. in crores)Sl. NoItemTarget2016-17Achievement (Disbursementsduring 01.04.16 to 31.03.17)% of Achievement1Short Term Crop Production LoansKhariffRabiTotal36,58023,42060,00034,00124,83958,84092.95106.0698.072Agrl.Term LoansKhariffRabiTotal9,9859,98419,9696,5028,96715,46965.1289.8177.473Total Farm CreditKhariffRabiTotal46,56533,40479,96940,50333,80674,30986.98101.2092.924Agriculture Infrastructure & Ancillary ActivitiesKhariffRabiTotal1,5181,5163,0342,6221,1833,805172.7378.03125.415KhariffRabiTotal Agriculture48,08334,92083,00343,12534,98978,11489.69100.2094.116Micro, Small & Medium Enterprises25,00021,90387.617Export Credit1801810.008Education2,15565130.219Housing 12,0004,91940.9910Others under Priority Sector including Social Infrastructure & Renewable Energy3,2002,64882.7511Total Priority Sector1,25,5381,08,25386.2312Non Priority Sector40,00038,01195.0313Total Credit Plan1,65,5381,46,26488.36Share of Banks in Achievement of ACP 2016-17:5.2.1 Total Agriculture: (Amount in crores)BankAchievement% of ShareAndhra Bank1216815.58State Bank of India1187815.21Regional Rural Banks1277316.35Cooperative Banks1093414.00Pvt. Sector Banks73699.43Other Banks2299229.43Total =SUM(ABOVE) 78114 =SUM(ABOVE) 1005.2.2 MSME: (Amount in crores)BankAchievement % of ShareAndhra Bank537724.55State Bank of India325214.85Syndicate Bank 221510.11Pvt. Sector Banks 416619.02Regional Rural Banks12505.71Other Banks564325.76Total =SUM(ABOVE) 21903 =SUM(ABOVE) 1005.2.3 Priority Sector: (Amount in crores)BankAchievement % of ShareAndhra Bank1823816.85State Bank of India1784416.48Syndicate Bank79597.35Regional Rural Banks1503713.89Cooperative Banks1194711.04Pvt. Sector Banks1190110.99Other Banks2532723.40Total =SUM(ABOVE) 108253 =SUM(ABOVE) 100Annual Credit Plan Achievement – Last Three years (Amount in crores)Sl. NoItem2014-152015-16 2016-17 TargetAchvmtTargetAchvmtTargetAchvmt% Achvmt to Target1Short Term Production Loans41978296584806757085600005884098.07%2Total Agrl. Term Loans incl. allied activities14041102801720518363230031927483.79%3Total Agriculture56019399386527275448830037811494.11%4Non Farm Sector / Micro & Small Enterprises10850141341696022262250002190387.61%5Others’ under Priority Sector including Export Credit11025558214688678517535823646.97%Total Priority sector77894596549692010449512553810825386.23%Comparative statement of Credit Disbursements (Y-o-Y): (Amount in crores)Sl. No.ItemDisbursements from 01.04.2015 to 31.03.2016Disbursements from 01.04.2016 to 31.03.2017% Increase1Short term Crop Production Loans57,08558,8403.07%2Total Agriculture Term Loans including Allied activities18,36319,2744.96%3Total Agriculture 75,44878,1143.53%4Non Farm Sector / MSME22,26221,903--5Other Priority Sector including Export Credit6,7858,23621.39%6Total Priority Sector1,04,4951,08,2533.60%7Non Priority Sector39,92838,011--8Total Credit Plan1,44,4231,46,2641.27%AGENDA- 6Agriculture SectorProgress in lending to Agriculture Sector (Rs. in crores)Sl. NoItemTarget2016-17Achievement (Disbursementsduring 01.04.16 to 31.03.16)% of Achievement1Short Term Crop Production LoansKhariffRabiTotal36,58023,42060,00034,00124,83958,84092.95106.0698.072Agrl.Term LoansKhariffRabiTotal9,9859,98419,9696,5028,96715,46965.1289.8177.473Total Farm CreditKhariffRabiTotal46,56533,40479,96940,50333,80674,30986.98101.2092.924Agriculture Infrastructure & Ancillary ActivitiesKhariffRabiTotal1,5181,5163,0342,6221,1833,805172.7378.03125.415KhariffRabiTotal Agriculture48,08334,92083,00343,12534,98978,11489.69100.2094.11Performance of Joint Farming Groups of ‘Bhoomi Heen Kisan’ during the year 2016-17 as on March, 2017 S. No.Name of the BankTarget @ 18 JLGs per rural branchesAchievement as on March, 2017NumberAmount (Rs. In crores)% to Target1Commercial Banks 3011422813500.4575.76%2RRBs 14022560594.2539.97%3Cooperative Banks3348153834.0445.94%4Others (ABFL, MACS etc.)13277.44---Grand Total =SUM(ABOVE) 47484 =SUM(ABOVE) 31283 =SUM(ABOVE) 636.1865.88%(Source: NABARD)Bank wise JLGs financed during 2016-17 is placed as Annexure No.22 6.3. Progress in lending to LEC holders Department of Agriculture, GoAP proposed target of financing 10.55 lakhs (5,87,250 renewals and 4,67,489 fresh) LEC holders during the Financial Year 2016-17.6.3.1. Finance extended: As per the information available with SLBC, the finance extended to LEC holders during 2016-17 up to 31.03.2017 is as follows: Sl. NoDistrictNo. of LECs issued2016-17No. of Licensed Cultivators Sanctioned Crop LoansCertificate of Cultivation (CoC)Renewal of old LECsFreshTotalNumberAmount in croresCoCs issuedNo. of A/Cs FinancedAmt. in crores1Srikakulam96837656173394781.044680.012Vizianagaram1110428691397311203.3629804600.783Visakhapatnam100392856128958251.653104750.274East Godavari1043673355513792253129116.0053931050.185West Godavari222716754202981361784141.4824961330.456Krishna1162363631798623918.982845940.347Guntur5663158532151612508.97116400.008Prakasam231102311166710.2220768395.229Nellore867689501762610077.4124893531.8610Kurnool7910115881949815699.91118300.0011Anantapur765721726293838157.20628400.0012Kadapa3907436382705471.84640.0113Chittoor37729038621980.821452260.06Total =SUM(ABOVE) 409428 =SUM(ABOVE) 191289 =SUM(ABOVE) 600717 =SUM(ABOVE) 82837 =SUM(ABOVE) 218.88 =SUM(ABOVE) 31518 =SUM(ABOVE) 2097 =SUM(ABOVE) 9.18 (Source: Agriculture Department, GoAP)6.3.2. Outstandings & overdues under LEC & RMG/JLG as on 31.03.2017:(Rs. in crores)SectorOutstandingsOverduesNPAsAccountsAmountAccountsAmount% to outstandingAccountsAmount% to outstandingLEC96543628.9649828173.3827.57%1122094.4615.02%RMG / JLG1140261076.8745281152.6814.18%841667.226.24%Total =SUM(ABOVE) 210569 =SUM(ABOVE) 1705.83 =SUM(ABOVE) 95109 =SUM(ABOVE) 326.0619.11% =SUM(ABOVE) 19636 =SUM(ABOVE) 161.689.48%Pledge financing against Negotiable Warehouse Receipts (NWRs): in the state of Andhra Pradesh for the quarter ended March, 2017Sr. No.Name of the BankDisbursements during the quarterOutstanding as at end of quarterNo. of AccountsAmount(crores)No. of AccountsAmount(crores)1Public Sector Banks 6069173.8311511323.512Private Sector Banks 4391186.605930346.293RRBs 120.4228922.244Cooperative Banks0000Grand Total =SUM(ABOVE) 10472 =SUM(ABOVE) 360.85 =SUM(ABOVE) 17730 =SUM(ABOVE) 692.04Bank wise statement for the quarter ended March, 2017 is placed as Annexure No.23 Relief measures by Banks in Areas Affected by Natural Calamities:Data on relief measures extended by banks during 2016-17 upto March, 2017: (Amount in Lakhs)Name of the BankOutstanding eligible for reschedulementAmount rescheduled% of AchievementFresh finance / relending providedNo. of A/csAmountNo. of A/csAmountNo. of A/csAmountNo. of A/csAmountPublic Sector Banks 425596335931484213962411.3811.8010751009Private Sector Banks 00000000RRBs 37722132517062620.020.023826Cooperative Banks7134635151000000Grand Total =SUM(ABOVE) 874163 =SUM(ABOVE) 696252 =SUM(ABOVE) 48483 =SUM(ABOVE) 396865.555.70 =SUM(ABOVE) 1113 =SUM(ABOVE) 1035Bank wise statement for the quarter ended March, 2017 is placed as Annexure No.24 Loan charge creation module in AP web land portal: Banks have made Charge Creation for 32,55,312 loan accounts in the AP web land portal as on 07.05.2017 and charges were approved for 29,46,896 loan accounts. Banks are requested to mandatorily enter the loan charge details on loan charge creation module in AP web land portal.District wise details of Charge Creation are placed as Annexure No.25 6.7. Pradhan Mantri Fasal Bima Yojana (PMFBY) / Restructured Weather Based Crop Insurance Scheme (WBCIS): 6.7.1. Implementation for Kharif, 2017: Department of Agriculture, GoAP vide Lr.No.Crop Ins.(2)5/2017, dated 18.04.2017 informed that the notification of Crops & Districts under PMFBY, WBCIS & UPIS for Kharif, 2017 season are finalized in the State Level Co-ordination Committee on Crop Insurance (SLCCCI) meeting which was held on 03.03.2017 and Bid process was completed for selecting the Implementing Agencies (IAs) under PMFBY & WBCIS for Kharif, 2017. The Scheme wise, Cluster wise selected companies are as follows.SchemeSelected Insurance Company (IA)PMFBY – Cluster-IAgricultural Insurance Company of India Ltd.,PMFBY – Cluster-IIICICI-Lombard General Insurance CompanyWBCISHDFC-ERGOUPIS (Srikakulam District)Agricultural Insurance Company of India Ltd., Further, it is informed that as per the suggestions of the Ministry of Agriculture, GoI, the Financial Institutions (Banks / PACSs) are advised to collect the farmer share of Crop Insurance premium under PMFBY, WBCIS & UPIS and keep with Financial Institutions and remit the same to the respective insurance companies after issue of Notification orders as the Kharif, 2017 season loaning period is commencing from 01.04.2017. 6.7.2. Issuance of Acknowledgement Receipt under Pradhan Mantri Fasal Bima Yojana: During the meeting held on 03.05.2017, the forum has approved for;Taking up the process of printing of PMFBY folios by SLBC as per the directions of Government of India.Finalizing the Tender Notice for publishing in two national Newspapers and placing the same in the SLBC and Bank’s website inviting bids to undertake printing.Constitution of Committee with following banks for finalization of bids; Andhra Bank ii. State Bank of India iii. Syndicate Bank iv. Indian Bank v. APCOBvi. RRB6.8. Vaddi Leni Runalu and Pavala Vaddi scheme on crop loans – Continuation of the scheme for the year 2017-18: Department of Agriculture, GoAP vide letter No. Credit/16/2017 dated 01.05.2017 informed that the Vaddi Leni Runalu and Pavala Vaddi schemes will continue for the year 2017-18 also and the guidelines issued earlier vide G.O.Rt.No.639 dated 27.04.2013 are applicable for implementation of the scheme by the banks. The banks can upload the data of the eligible farmers in the MIS format available in the VLR portal for settlement of claims by the Department.The controlling authorities of all banks are requested to communicate the guidelines to branches with instructions to implement the scheme as per the scheme guidelines.6.9. Doubling Farmers Income by 2022 – Measures: RBI vide circular RBI/2016-17/66, FIDD.CO.LBS.BC.No. 16 / 02.01.001 / 2016-17 dated 29.09.2016 communicated the strategy to achieve the goal of “Doubling Farmers income by 2022”. In this regard RBI advised that;Banks should revisit their documentation for crop loans, simplify them where required and ensure speedy sanctioning and disbursal of loans within specified limits. Map the overall strategy to the agriculture / agro-ancillary lending plan of bank.Lead Banks should work closely with NABARD in preparation of Potential Linked Plans & Annual Credit Plans keeping the above strategy in consideration.LDMs should include ‘Doubling of Farmer’s income by 2022’ as a regular agenda under Lead Bank Scheme in various forums such as DCC, DLRC and BLBC.Farmer Producer Organizations (FPOs):PRODUCE Fund: The Government of India has set up a dedicated fund called “Producers’ Organization Development and Upliftment Corpus (PRODUCE) Fund” in NABARD with a corpus of Rs.200 cr., to be utilized for building and promotion of 2000 Farmer Producer Organizations (FPOs) across the country in two years. Under the fund, grant assistance is provided for promotion and nurturing of Farmer Producer Organizations (FPOs) for a period of 3 years for awareness creation, capacity building, technical support, professional management, market access, regulatory requirements, etc.Progress under the PRODUCE: S NoParticularsStatusTotal no. of FPOs sanctioned 106No. of FPOs registered86 (81%)No. of FPOs applied for registration 6Aggregate Grant sanctionedRs.783.42 lakhAggregate Grant releasedRs.174.00 lakhNo. of FPOs market linked41No. of members mobilised40,207No. of shareholding members9572SF/MF members (of pt. 7)26884Women members (of pt. 7)8378SC/ST members (of pt. 7)9482Equity mobilisedRs.85.33 lakhNo. of FPOs with business plan prepared33No. of FPO CEOs appointed80No of FPOs credit linked 05 (Rs. 95.60 lakh)No. of POPI/FPO persons trained86 (Source: NABARD)Promotion of Credit Linkage for Bee-Keeping: Honey bees have been rendering yeoman services to the society by ensuring pollination in cross pollinated crops for boosting and sustaining productivity in agriculture in addition to providing supplementary income opportunities to the farmers. GoI at the highest level has also recognized the importance of Honey-bees as a major source of supplementary income for farmers and has inter-alia emphasized that a few districts have to be developed as ‘Role model districts’. In this connection, the following key aspects for developing Apiculture in the State through credit support is suggested by NABARD for detailed deliberations. Bee keeping is being pursued by farmers in sporadic pockets which may also involve bank financing in certain cases and data on such bank financing is not readily available. Therefore, there is a need to incorporate the activity in the prescribed monthly returns for effective monitoring.Based on the current level of growth and interest for the activity, Guntur and West Godavari districts can be developed as ‘Role Model districts’ as desired by the GoI and banks to extend credit support adopting cluster approach.Consider to promote Bee keeping activity as a key component in all the Horticulture based schemes being supported under MIDH with convergence as the key element. Ways of convergence with credit support may be discussed.Promoting Bee keeping activity in the group mode such as SHGs and JLGs.Wide circulation of Model scheme prepared by NABARD among the bankers to scale up financing for Bee keeping.Closely review credit support to the activity in the district and State level banking fora.Continuation of Interest Subvention Scheme for Short-term crop loans on interim basis during the year 2017-18: RBI vide circular RBI/2016-17/307, FIDD.CO.FSD.BC.No.29/05.02.001/2016-17 dated May 25, 2017 informed that it has been decided by GoI, as an interim measure, to implement the Interest Subvention Scheme for the year 2017-18 till further instructions are received, on the terms and conditions approved for the Scheme for 2016-17. All banks are, therefore, requested to take note and implement the Interest Subvention Scheme for 2017-18 accordingly. AGENDA- 7Micro, Small & Medium Enterprises (MSME) SectorPosition of lending under MSME sector (Amt. In Crores)ParticularsOutstanding as on 31.03.2015Outstanding as on 31.03.2016Outstanding as on 31.03.2017Y – o – Y Growth % in AmountA/cs.Amt.A/cs.Amt.A/cs.Amt.Micro Enterprises603782149998719521870110177692119713.35Small Enterprises986981727712198217517139703177741.47Total MSE70248032276993934362181157472389717.60%of Micro enterprises to total MSE85.95%46.47%87.73%51.63%87.93%54.39%--Medium Enterprises88207437890181476511275450125.18Total MSME790687366541084115409831270226439837.32Disbursements under ACP 2016-17 for MSME sector: (Amt. in crores)SectorTarget 2016-17Achievement(Disbursements during 01.04.16 to 31.03.17)% of AchievementMicro912210682117.10%Small11145941884.50%Medium4733180338.09%Total250002190387.61%PM Task Force –RecommendationsNorm %Actual %Banks are advised to achieve a 20 per cent year-on-year growth in credit to micro and small enterprises (March, 2016 to March, 2017)207.6010 per cent annual growth in the number of micro enterprise accounts (March, 2016 to March, 2017) 1016.7260 per cent of MSE advances should go to the micro enterprises.Allocation of 60% of the MSE advances to the micro enterprises is to be achieved on continuous basis.6054.39Controlling authorities of all banks are requested to initiate necessary steps to ensure improvement in credit flow to micro and small enterprises to achieve stipulated requirement of 20% as per PM’s Task Force recommendations.Outstanding Position of Lending under MSME (Amount in crores) Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Scheme- Progress made by banks for the last three years.S. NoYearProposals covered during the yearNo. of A/cs.Amount (in Crs.)012014-159428358.50022015-1618514384.55032016-17 13909385.43District wise progress for the financial year 2016-17 under CGTMSE is place as Annexure No.26 Stand up India Scheme: Performance under Stand Up India as on 31.03.2017S. No.Type of BankSC/STWomenTargetsNo. of Accounts Sanctioned% of Achvt.TargetsNo. of Accounts Sanctioned% of Achivt.1Public Sector Banks45231523.36452363714.082Private Sector Banks84080.95840617.263RRBs1122001122121.07Total =SUM(ABOVE) 6485 =SUM(ABOVE) 1602.47 =SUM(ABOVE) 6485 =SUM(ABOVE) 71010.95 (Source: standupmitra.in)Bank wise performance is placed as Annexure No.27 7.4. Pradhan Mantri MUDRA Yojana (PMMY): Progress made under Pradhan Mantri MUDRA Yojana for the financial year 2016-17 as on 31.03.2017 in the state of Andhra Pradesh. (Rs. in crores)Type of BankTotal TargetShishuKishoreTarunTotal Achievement% of AchievementPublic Sector Banks4736.03494.232477.601266.684238.5189.49RRBs1670.00242.65543.5847.54833.7749.93Sub Total =SUM(ABOVE) 6406.03 =SUM(ABOVE) 736.88 =SUM(ABOVE) 3021.18 =SUM(ABOVE) 1314.22 =SUM(ABOVE) 5072.2879.18 (Source: .in)Bank wise performance is placed as Annexure No.28 7.5 Coir Udyami Yojana (CUY):Coir Board requested the banks to sanction loans to the applicants, immediately, so as to enable the Board’s Field Office to submit the subsidy claims to the Board’s Head Office, through online. Coir Board also requested the banks to return the applications which are not considered for loan, with reasons, immediately to the concerned Board’s Field Offices, so as enable the Board to apprise the applicants about the rejection.Controlling authorities of all banks are requested to give necessary directions to concerned branches to sanction loans for all the eligible borrowers under Coir Udyami Yojana.7.6 Rationalization of Mortgage Registration Charges:IBA informed that during 21st meeting of Standing Advisory Committee to review the flow of Institutional Credit to MSME sector held on March 03, 2017 at RBI, Chennai regarding issue of high mortgage registration charges in some states of country and the forum advised SLBC Convenor Banks to take up the matter with respective State Governments.SLBC vide Lr.No.2716/30/256/043 dated 20.04.2017 requested the Government to consider rationalization of mortgage registration charges prevailing in the state of Andhra Pradesh as requested by Standing Advisory Committee.AGENDA- 8Housing Loans8.1. Position of Housing Loans as on 31.03.2017 (Rs in Crores)YearTotal OutstandingDisbursementsNo. of a/csAmountNo. of a/csAmount2014-15342135174244487329572015-16 390605188205387830602016-17 396028200284550449198.2 Housing for All (Urban) under Pradhan Mantri Awas Yojana (PMAY):8.2.1 Credit – Linked Subsidy Scheme: CLSS for EWS/LIG - The Mission, in order to expand institutional credit flow to the housing needs of urban poor will implement credit linked subsidy component as a demand side intervention. Credit linked subsidy will be provided on home loans taken by eligible urban poor (EWS/LIG) for acquisition, construction of house.Credit Linked Subsidy Scheme for Middle Income Group (CLSS for MIG): The existing Credit Linked Subsidy Scheme (CLSS) component of the Mission provides interest subsidy on home loans taken by eligible urban poor [Economically Weaker Section (EWS) / Lower Income Group (LIG)] for acquisition / construction of house.Given the projected growth of urbanization in India and the consequent housing demands, Ministry of Housing and Urban Poverty Alleviation introduced an interest subsidy scheme for acquisition / construction of house (including re-purchase) to cater to the Middle Income Group (MIG) called “Credit Linked Subsidy Scheme (CLSS) for MIG”, which will also be implemented as a Central Sector Scheme initially for a period of one year w.e.f 01.01.2017.CLSS for MIG will support acquisition / construction of house (including re-purchase) of 90 square meters and 110 square meters carpet area as per income eligibility with basic civic infrastructure like water, toilet, sanitation, sewerage, road, electricity etc.Controlling authorities of all banks are requested to issue suitable instructions to the branches under their control and take steps to speed-up the implementation of PMAY-CLSS. 8.2.2. PMAY (Urban) under HFA – BLC Programme – Sanction of loans to beneficiaries by pledging LPC (Land Possession Certificate) issued by Revenue authorities:A.P. State Housing Corporation Limited vide Lr.No.4868/MGR/Fin/2016/198th SLBC dated 02.05.2017 requested the Chief Commissioner of Land Administration to provide LPC with the following requirements to enable the beneficiaries for getting loan from the banks.Title to the beneficiary with freehold rights.Noting the ownership of the beneficiary in Govt. Records. Possibility of creating charge on the site allotted to the beneficiary and enforceability for recovery in case of default.8.2.3. Pradhan Mantri Awas Yojana (PMAY) - Housing for All (Urban) - Affordable Housing in Partnership (AHP):GoAP proposed to take up 3 categories of EWS houses with Super built up area in G+3 Pattern and the details are as follows:Sl. NoCategoryNo. of UnitsCost of the Unit(Rs. In Lakhs)GoI subsidy @ 1.5 lakh(Rs. In Crores)GoAP subsidy @ 1.5 lakh(Rs. In Crores)Beneficiary contribution(Rs. In Crores)Loan Amount (Rs. In Crores) Approximate1Category – 124,1906.40362.85362.851.21821.252Category – 2846657.601269.971269.97423.333471.273Category – 3120958.70181.42181.42120.95568.47Total1,20,9501814.241814.24545.494860.99Meeting of Sub committee constituted for this purpose was convened on 03.05.2017 to discuss modalities. The resolutions are placed as annexure.As per the resolutions of the meeting SLBC has communicated the targets vide Lr.No.2716/30/18/085 dated 20.05.2017 subject to approval of SLBC.AGENDA- 9Education LoansPosition of Education Loans as on 31.03.2017 :(Rs in Crore)YearTotal OutstandingDisbursementsNo. of a/c sAmountNo. of a/csAmount2014-151436443062205076002015-16 1498493650238937152016-17 146937385723610651AGENDA- 10 EXPORT CREDITOutstanding position of finance under Export Credit as on 31.03.2017 placed as Annexure No.13AGENDA- 11 11.1. Credit Flow to Minority Communities, weaker sections, women and SC/STs (outstandings): (Rs. In Crores)S.No.Year endedMinority communitiesWeaker sectionsWomenSC/ST1March, 201511,06948,49535,9948,7102March, 201613,15055,68739,0589,9893March, 201712,69058,33939,48211,080Stipulation15% on Priority Sector Advances(DFS guidelines)10% of ANBC(RBI guidelines)5%on NBC(RBI guidelines)No stipulation% of Achievement for March, 20176.9424.0816.29-Credit Flow to Minority Communities, Weaker Sections, Women, Scheduled Castes & Scheduled Tribes (Amt. in crores)AGENDA- 12Status of implementation of Government Sponsored Schemes during the FY 2016-17Government of India12.1 Deendayal Antyodaya Yojana - National Rural Livelihood Mission (DAY-NRLM) 12.1.1 SHG-Bank linkage Programme Disbursements vis-à-vis Targets (Rs. In crores)YearRural SHG DisbursementsUrban SHG DisbursementsTotal DisbursementsOutstanding(Rural& Urban)TargetAmt.No.Amt.TargetAmt.No.Amt.TargetAmt.No.Amt.No.Amt.2014-151227318845760721516385181292137892269757364806514149772015-16 9707375361111543255689620111003243225713165829539158612016-171137538545612246325*622662515117004477221476183705617850 * Target communicated by RBI. However MEPMA informed their target of Rs.1,875 crores for FY 2016-17 12.1.2. Overdue/NPAs under SHG Bank Linkage Programme as on 31.03.2017 (Rs. In crores)YearOutstandingOverdueNPAsNo. of AccountsAmountNo. of Overdue accountsTotal balance in overdue accountsActual overdue amount% of actual overdue to O/sNo. of AccountsAmount% of NPA to O/sMarch, 201682953915861182816266012377.80%691927454.68%March, 201783705617850173423342813027.29%649997774.35%SERP requested banks to communicate fixed dates in each month for facilitating field functionaries to mobilize the defaulting groups for the recovery/OTS as it was done in the month of March 2017.12.2 Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY - NULM) Scheme:Progress on SEP (Individual) and SEP (Groups) for the financial year 2016-17 as on 31.03.2017 (Amount in crores)S. NoProgramTargetAchievement% of Achievement in AmountPhysicalFinancialPhysicalFinancial 1SEP (Individual) Programme under NULM801080.101157969.5386.80% 2SEP (Groups) Programme under NULM1206.0028316.23270.50% (Source: MEPMA)12.3 Prime Ministers Employment Generation Programme (PMEGP)12.3.1. Target & Achievement under PMEGP for the year 2016-17 (as on 31.03.2017) (Rs. in lakhs)S. NoAgencyTarget SanctionedDisbursed% of Achvt. In AmountNo. of ProjectsMargin MoneyEmp. (Nos)No. of ProjectsMargin MoneyEmp. (Nos)No. of ProjectsMargin MoneyEmp. (Nos)1KVIC, S.O., Hyd 6501300.9052042371149.233448179901.14297569.27%2KVIB10572113.9684568962914.9387455841883.84599289.11%3DIC14092818.61112728842663.5779914041410.96469850.06% Total =SUM(ABOVE) 3116 =SUM(ABOVE) 6233.47 =SUM(ABOVE) 24932 =SUM(ABOVE) 2017 =SUM(ABOVE) 6727.73 =SUM(ABOVE) 20184 =SUM(ABOVE) 1167 =SUM(ABOVE) 4195.94 =SUM(ABOVE) 1366567.31%4KVIC,D.O. Vizag407813.063252204838.612515164607.30194074.69%Grand Total35237046.532818422217566.342269913314803.241560568.16% (Source: KVIC, Hyderabad) All banks are requested to sanction eligible cases & ground them immediately wherever sanctions were already given.Khadi and Village Industries Commission, State Office Andhra Pradesh vide letter No.AP/SO/PMEGP/target/2017-18 dated 05.05.2017 informed that all applications received during 2016-17 in PMEGP e-portal shall be processed for sanction & disbursement during 2017-18.12.4 Handloom Weavers – Mudra SchemeProgress on implementation of Micro Unit Development and Refinance Agency (MUDRA) scheme to the Handloom Weaver & Weaver Entrepreneurs in the state of Andhra Pradesh for the year 2016-17 is as under: (Rs. in Lakhs)No. of Applications Forwarded to BanksNo. of applications Sanctioned by BanksNo. of Applications Grounded by the BanksPhysicalFinancialPhysicalFinancialPhysicalFinancial92485097.70893497.95724392.45 (Source: Handlooms & Textiles Department)District wise progress for the year 2016-17 is enclosed as Annexure No.29SLBC vide Lr.No.2716/30/21/055 dated 25.04.2017 communicated the procedure to be adopted for getting financial assistance under Concessional Credit Component for Handloom sector issued by Development Commissioner for Handlooms, Ministry of Textiles, GoI received through NABARD.12.5 Dairy Entrepreneurship Development Scheme (DEDS)NABARD informed that, NABARD, Andhra Pradesh, R.O disbursed Rs.9,86,37,400/- under DEDS subsidy scheme12.6 Agri-Clinics & Agri-Business CentersAgri-Clinics & Agri-Business Centers (ACABC) – Review of progress as on 19.05.2017S.NoParticularsNumber1No. of projects sanctioned312No. of projects pending 375 (Source: MANAGE)All Banks are requested to issue necessary instructions to their branches to expedite the clearance of pending loan applications under ACABC scheme and also releasing bank finance to the trained candidates on priority. 12.7. Credit under DRIYear endedOutstanding Rs. In CroresMarch, 201535.97March, 201636.39March, 201733.41The credit outstanding under DRI is Rs.33.41 Crores as on 31.03.2017 as against target of Rs. 2,423 Crores (i.e. 1% of the total outstanding advances of 31.03.2016 i.e. Rs.2, 42,311 Crores). The performance is negligible in comparison to the targets. All Banks are requested to make all out efforts to identify the eligible beneficiaries under DRI and to extend finance as per guidelines.AGENDA- 13Government Sponsored Schemes - Government of Andhra Pradesh13.1 Andhra Pradesh Micro Irrigation Project (APMIP): Achievement as on 31.03.2017 (Area in Ha)PhysicalTargetAchievement% of Achievement15000014109894.07% (Source: APMIP)13.2. Fisheries: Achievement as on 31.03.2017 (Rs. in crores)Total Credit proposed for Govt. Sponsored SchemesCredit extended to Government Sponsored Schemes by BanksDirect Loans to Fisheries sector by the Banks298.392.4610.74 (Source: Fisheries Department)13.3. Horticulture: Progress as on 31.03.2017 (Rs. in Lakhs)Name of the SchemeReleasesExpenditureMission for Integrated Development of Horticulture (MIDH)10670.0010670.00National Mission on Oilseeds and Oilpalm Programme (NMOOP) under Mini Mission-II1101.282134.49State Development Plan (State Plan)10000.007429.31Total =SUM(ABOVE) 21771.28 =SUM(ABOVE) 20233.8 (Source: Department of Horticulture) 13.4. Sericulture: Achievement as on 31.03.2017 (Amt. in Lakhs)TargetApplications SponsoredSanctionedGroundedNumberAmountNumberAmountNumberAmount% of Achievement in Amount20474186.79116686574881769816.67% (Source: Department of Sericulture)13.5.Corporation wise achievement as on 18.05.2017 for the financial year 2016-17 :(Rs. in Lakhs)Name of the CorporationTargetSent to BankSponsored by Banks% of AchievementPhy.Total Financial OutlayPhy.Total Financial OutlayPhy.Total Financial OutlayPhy.Total Financial OutlayA.P. Scheduled Caste Co-operative Finance Corporation Limited4694153564.754612428543.732271513293.1948.3924.82A.P Scheduled Tribes Co-op Finance Corporation Ltd. (TRICOR)65876434.2858052683.8324171060.2036.6916.48A.P. State Kapu Welfare & Development Corporation Ltd.5868546566.857505048792.864915331511.1883.7667.67A.P. Backward Classes Co-op. Finance Corporation7090040900.006402839598.742966218050.6541.8444.13A.P. Washermen Cooperative Societies Federation Ltd.67285558.0052442223.001617713.8824.0312.84A.P. Nayee Brahmins Cooperative Societies Federation Ltd.67335796.0029701268.39933393.2513.866.78A.P. Vaddera Cooperative Societies Federation Ltd.62303675.0041671529.821753570.8128.1415.53A.P. Sagara ( Uppara ) Cooperative Societies Federation Ltd48363434.0034791348.691534610.2031.7217.77A.P. Krishna Balija, Poosala Cooperative Societies Federation Ltd.23302330.00399198.755942.752.531.83A.P. Valmiki/Boya Cooperative Societies Federation Ltd.48422474.0036801035.951648451.4234.0418.25A.P. Bhattraja Cooperative Societies Federation Ltd.23962361.00396168.859360.503.882.56A.P. Kummari/Shalivaahana Cooperative Societies Federation Ltd.45053450.0032671411.34969444.3821.5112.88A.P. Viswabrahmins Cooperative Societies Federation Ltd.39273798.0026101458.34857606.0621.8215.96A.P. Medara Cooperative Societies Federation Ltd.25332533.00747490.3514499.355.683.92A.P. State Minorities Finance Corporation Ltd.1302216258.05121435201.4654782338.8942.0714.39A.P. State Christian (Minorities) Finance Corporation12501000.00848601.24334220.3426.7222.03Total =SUM(ABOVE) 242445 =SUM(ABOVE) 200132.93 =SUM(ABOVE) 230957 =SUM(ABOVE) 136555.34 =SUM(ABOVE) 119366 =SUM(ABOVE) 70467.0549.2335.21 (Source: APOBMMS Portal)13.6. A.P. State Brahmin Welfare Corporation Ltd.: Progress during 2016-17 (Rs. in Lakhs)Name of the SchemeTargetAchievementNo.SubsidyNo.Subsidy% of AchievementAntyodaya 17502100203240.6211.46Abhyudaya8751575113187.2211.89Abhivrudhi5211580114222.2214.06Total =SUM(ABOVE) 3146 =SUM(ABOVE) 5255 =SUM(ABOVE) 430 =SUM(ABOVE) 650.0612.37(Source: AP State Brahmin Welfare Corporation Ltd.)Welfare of Differently Abled and Senior Citizens, AP : Achievement as on 31.03.2017 (Rs. in crores)Physical TargetAchievement ExpenditurePercentage of Achievement7205113.7370.97% (Source: Department of Welfare of Differently Abled and Senior Citizens, AP)13.8. Overdue position under Government Sponsored Schemes as on 31.03.2017 (Rs. In Crores)SectorOutstandingOverdueNon – Performing AssetsNo. of A/CsAmountNo. of overdue A/CsTotal balance in overdue A/CsActual overdue amount% of Actual overdue to O/sNo. of A/CsAmount% of Actual NPA to O/sCentral Government Sponsored Schemes4328617843.5771836724.69479.696.12%33707266.723.40%Of whichSGSY / NRLM2849285895.2140257399.41285.784.85%13285132.112.24%SJSRY / NULM676201329.059816108.7790.46.80%732046.923.53%PMRY/PMEGP 22057281.0210057126.2359.9921.35%657647.0416.74%DEDS53294258.45956365.0225.729.95%530723.519.10%State Government Sponsored Schemes228587427465.875270208180.642905.7210.58%2758092187.327.96%Agenda 14Position of MFI finance extended as on 31.03.2017S.NoParticularsAmt. in Crores1Cumulative Amount of Loans sanctioned so far 93.942Cumulative Loans Disbursed so far 93.943Total Loans outstanding 84.434Total amount due for payment (Demand)41.715Total amount recovered 11.956Total amount overdue 29.767Out of (6) amount overdue [Standard]3.268Out of (6) amount overdue [NPA]26.509Non Fund exposure/Off Balance Sheet exposure O/s 0.00AGENDA- 15 Financial Inclusion 15.1. Roadmap for opening brick and mortar branches in villages with population more than 5000 without a bank branch of a scheduled commercial bank: Progress as on 31.03.2017:No. of villages to be covered with bank branches as per road map567No. of villages provided with bank branches 34No. of villages provided with USBs37All banks are requested to open brick & mortar branches in the allotted villages as per the Roadmap.15.2. Availability of ATMs in the State of Andhra Pradesh:Quarter ended No. of ATMs31.03.2015714331.03.2016821031.03.20178908National Mission on Financial Inclusion Plan – Pradhan Mantri Jan Dhan Yojana (PMJDY):15.3.1. Progress on Number of Accounts opened under PMJDY as on 26.04.2017 Type of BankNo. of AccountsTotal No. of AccountsTotal Amount in CroresZero Balance AccountsRuPay Cards IssuedAadhaar SeededRuralUrbanPSBs3256499346315767196561050.41135211458019815986629Private sector Banks 5377016629922006940.6071996199428130961RRBs12549815452421800223242.0626815913135011547977Total =SUM(ABOVE) 4565250 =SUM(ABOVE) 4174698 =SUM(ABOVE) 8739948 =SUM(ABOVE) 1333.07 =SUM(ABOVE) 1692269 =SUM(ABOVE) 7314910 =SUM(ABOVE) 7665567% to Total Accounts19.36%83.70%87.71%15.3.2. Aadhaar & Mobile seeding in Operative individual savings Bank accounts:Aadhaar & Mobile seeding as on 28.04.2017 in operative individual savings bank accounts in the state is 76.41% & 73.62% respectively. Banks wise status is placed as Annexure No.35DFS advised SLBC to review the same in State Level Financial Inclusion Committee meetings.15.3.3. Progress report - Number of Enrollments under Social Security Schemes as on 31.03.2017 Type of BankPMSBYPMJJBYAPYTotalPSBs490480410464511220746073329Pvt. Sector Banks244200645157311316026RRBs1258315317447404391616201Co-operative Banks290188448037466Grand Total =SUM(ABOVE) 6436337 =SUM(ABOVE) 1436861 =SUM(ABOVE) 169824 =SUM(ABOVE) 8043022Atal Pension Yojana – Monitoring the performance of Banks at State/District/Block Levels: Pension Fund Regulatory and Development Authority (PFRDA) vide circular No.PFRDA/3/109 dated 1st November 2016 informed that though department of Financial Services (DFS), Ministry of Finance / PFRDA monitor the progress of APY on a periodical basis but a very close monitoring at the levels of State / District and Block levels would help in activation of all bank branches towards APY which invariably facilitate reaching the target allotted to each bank by GoI. APY targets are allotted on yearly basis by DFS and the targets are based on the number of branches of each banks has. The number of accounts vary from 20-70 accounts/year as per the category of banks.SLBC/DLBC/BLBC banks are requested to incorporate APY as one of the important agenda in the discussion and monitor the performance of banks as per the number of branches/target in each State/District or Block as the same may be. Since APY is a flagship GoI pension scheme, a concerted and collaborative action is required from all banks considering the huge pension coverage gap existing in the country.Emphasis is to be laid on the following important aspects for enhanced APY outreach,All branches of banks should mobilize minimum accounts as per its category (PSB, Private Banks, RRB or Cooperative Banks).Involving Banking Correspondents (BCs) for sourcing APY.Establishing tie up by banks with Non Bank Aggregators / MFI / NGO for sourcing APY.Inclusive participation by bank branches in various APY campaigns to increase the coverage. 15.3.4. Deployment of Bank Mithras:DistrictGPs No. of SSA PointsSSAs covered through BranchesSSAs covered through BCs / Other ModesActive BCsInactive / Attrition BCsSrikakulam109966211354947970Vizianagaram9215509945144011Visakhapatnam925620132488316172East Godavari106982121161058525West Godavari90867727740035644Krishna9704391722672670Guntur101197442854647571Prakasam103062631331329419SPS Nellore94055918737229874Chittoor136395219875467480YSR kadapa7905162692472425Anantapuramu10039011907117101Kurnool88974718855952237Total =SUM(ABOVE) 12918 =SUM(ABOVE) 9044 =SUM(ABOVE) 2777 =SUM(ABOVE) 6267 =SUM(ABOVE) 5658 =SUM(ABOVE) 609All banks are requested to deploy the BCs in all inactive locations to cater the banking needs of public.15.3.5. Upgrading electronic point of sale (e-PoS) at Fair Price Shops (FPS) / Public distribution shop (PDS) to support Financial Inclusion:Mapping of AePDS as on 09.05.2017DistrictTotal ShopsMapped with BankNot Mapped with BankDevice Enabled with CashlessDevice not enabled with CashlessCashless Shops %Ananthapuram2962296022960099.93Chittoor28482847128222599.96East Godavari24612450112446499.55Guntur27422731112722999.59Krishna22622262022585100.00Kurnool2423241582408799.66Nellore188918573218381998.30Prakasam212520725320621097.50Srikakulam197019700194525100.00Visakhapatnam1695104565089115461.65Vizianagaram1348105729193112678.41West Godavari216321585196019899.76YSR Kadapa172817091916802998.90Total =SUM(ABOVE) 28616 =SUM(ABOVE) 27533 =SUM(ABOVE) 1083 =SUM(ABOVE) 26923 =SUM(ABOVE) 61196.21(Source: epos..in)Implementation of AePDS Project by Banks: Banks are implementing cashless AePDS in the state. Banks have incurred huge capital expenditure towards one time setup, customization, training and servers’ procurement for implementing AePDS and promote digital transactions in AePS channel. Till 3rd May, 2017, there was an interchange fee of Rs.5/- for every successful offus acquiring transactions and as such operating expenditure was compensated with the interchange fee received from Issuer Banks.Now with the issuance of new guidelines by NPCI vide their circular No.NPCI/2017-18/AePS/001 dated 03.05.2017, transactions with value of less than Rs.100/- will not be considered for payment of interchange fee and the same are to be treated as merchant transactions which attract MDR.In view of the above, a sub-committee may be formed with Government officials & Banks to discuss and finalize viability of the scheme for commercial banks.15.3.5.2. Release of commission on Pension amounts disbursed under SSP project in Krishna District: banks in the district are paying a fixed monthly remuneration of Rs.2500/- per month to Bank Mitras specially deployed for disbursal of Social security Pensions apart from variable commission on transactions they are ernment of AP is requested to release the commission payable to the banks, as the banks are incurring huge recurring monthly expenditure on disbursal of SSPs from February, 2015. 15.3.6. Solar Powered V-SAT connectivity to Kiosk / Fixed CSPs in the Sub-Service Areas – Support under FIF: as on 20.05.2017The following banks have submitted the list of SSAs for which support is being sought under FIF through self certified letter to SLBC for placing the same before the committee for information and records.S NoName of the BankNumber of SSAs with No connectivity(Dark Areas)Number of SSAs with Intermittent connectivity(Grey Areas)TotalNo. of V-SATs installed in fieldRemarks1Andhra Bank0303024Under Process2SBI6202626-3Syndicate Bank2021Identification of place is under process4Union Bank of India368440Procurement of solar powered VSATS is under process through RFP 5Indian Overseas Bank0252519Under ProcessTotal =SUM(ABOVE) 44 =SUM(ABOVE) 83 =SUM(ABOVE) 127 =SUM(ABOVE) 7015.3.7. Banking Infrastructure details in Visakhapatnam district (one of the 35 worst affected LWE districts in the country):As onNo. of BranchesNo. of ATMsRuralSemi UrbanUrbanMetroTotal31.03.201519098116287691106631.03.201618696129327738115731.03.2017194971363377641162SLBC vide letter no. 666/30/328/398, dated 3rd September, 2016 requested the controlling authorities of all banks to provide banking facilities either by Bank Branch or by Business Correspondent within the buffer of 5 KM to all uncovered 251 Gram Panchayats in Visakhapatnam District. The bank wise uncovered GPs are as under:Name of the BankNo of GPsAndhra Bank 32APGVB 69Bank of India 2Bank of Maharashtra 1Canara Bank 6Indian Bank 6Indian Overseas Bank 16Kotak Mahindra Bank 1State Bank of Hyderabad 16State Bank of India 78Uco Bank 7Union Bank of India 12Vijaya Bank 5Total25115.3.8. Aadhaar seeding into bank accounts of Mahatma Gandhi NREGA workers by Banks: SLBC vide Lr.No.2716/30/322-P/789 dated 23.03.2017 has communicated the Standard Operating Procedure (SOP) received from Ministry of Rural Development to controlling authorities of all banks. Controlling authorities of all banks are requested to comply with the timelines furnished in SOP for seeding of Aadhaar in bank accounts of MNREGA. 15.3.9. Promoting usage of Digital Transactions: Department of Financial Services, Ministry of Finance, GoI vide letter No.6/7/2016-FI (C-300327082) dated 2nd May 2017 informed that while banks are engaged in promoting digital transactions, at times some members of the bank staff are themselves either not conversant with the use of various digital transaction platforms, or are not setting an example for customers by using these themselves, and requested Indian Banks’ Association is requested to take appropriate steps to promote the usage of digital transactions among members of the bank staff, and to inculcate among them a habit of promoting digital transactions by making such transactions themselves.SLBC vide Lr.No.2716/30/322P/063 dated 02.05.2017 requested controlling authorities of all banks to advise their branches to promote the usage of digital transactions among members of the bank staff, and to inculcate among them a habit of promoting digital transactions by making such transactions themselves and setting an example for customers.15.4. Credit plus activities 15.4.1. Financial Literacy Centers (FLCs) - Position in A.P as on 31.03.2017: ParticularsNo. of FLCsNumber of FLCCs operating in the District Head Quarters 18Number of FLCCs operating in Lead District Offices 10Number of FLCCs operating in Other Places56Total84(Detailed statement enclosed as Annexure No.30)15.4.2. Conduct of Financial Literacy Programmes: RBI- Financial Literacy Week from 5th to 9th June, 2017: Reserve Bank of India, Central Office, Mumbai vide circular no. RBI/2016-17/275, FIDD.FLC.BC.No.27/12.01.018/2016-17 dated 13.04.2017 communicated that Financial Literacy Week will be observed across the country from June 5 - 9, 2017 to emphasize the importance of financial literacy. RBI is arranging local language versions of the posters for display at the premises, charts for use during conduct of camps and flyers for distribution to the participants of the camps. All banks have been advised to make logistical arrangements to collect the posters, charts and flyers from the Regional Offices of RBI during the first two weeks of May, 2017 for onward distribution among their branches and FLCs well in advance before the Financial Literacy Week.RBI has advised to plan to undertake the following activities during the Financial Literacy Week:All FLCs should conduct special camps on each of the five days in backward / unbanked areas.All Rural branches should conduct one camp on any of the five days of the financial literacy week after branch hours.Controlling authorities of all banks are requested to give suitable instructions to all their FLCs and Rural branches to conduct the camps during the Financial Literacy Week and make the event a grand success.15.4.3. Rural Self Employment Training Institutes in Andhra Pradesh: Statement of performance of RSETIs for the financial year 2016-17 up to March, 2017 is enclosed as Annexure No.31Good number of candidates are being trained every year under EDP / Skill development / Skill upgradation programmes conducted by RSETIs / APBIRED. The no. of candidates got the credit assistance from banks is very low. Hence, all controlling authorities of banks are requested to give instructions to their branches to accord preference to the candidates trained in RSETI & APBIRED subject to fulfilling the bank guidelines for credit assistance. 15.4.4. AP SLBC Call Centre: SLBC has established a Call Centre namely ` APSLBC CALL CENTRE` on behalf of all Banks in the state with toll free telephone Number i.e. 18004258525, SMS service and email queries facilities to provide for an effective and centralized grievance redressal and facilitation mechanism for opening of Bank accounts and other banking related queries as part of financial inclusion. The call centre is engaged in providing additional information on farming and other beneficiary oriented programmes.SLBC AP call centre was designated for receiving the grievances in implementation of PMJDY with caller tone of PMJDY. Accordingly staff at the call centre was given orientation by SLBC.As per the directions of DFS, MoF, SLBC of AP has enabled a separate Toll Free Number i.e.1800 425 1525 exclusively for MUDRA for grievance redressal at AP SLBC Call Centre.AGENDA- 16Overdue/NPA position16.1 Overdue / NPA position as on 31.03.2017 under various sectors (Rs. in Crores)SectorOutstandingOverdueNon – Performing Assets No. of a/csAmountNo. of overdue accountsTotal balance in overdue accountsActual overdue amountNo. of accountsAmountShort Term Crop Production Advances 917369872591287462020238202385676623661Agrl.Term Loans Including Agrl. Allied Activities 195134230689688394809145643250692550Total Farm Credit11125040103280356301428329248028927316211Agriculture Infrastructure841967518071759863788Ancillary Activities1193252532034606251643193Total Agriculture Advances11145391109208356685529110251518940116492MSME Sector Advances127022643982281127940139891160463415Export Credit27080733300Others under Priority Sector Advances885223288841368595395138460440898Total Priority Sector Advances1330111018288139848444390930527107049710805Non-priority sector loans436180390491240714107215652977094515Total Advances1766291327337242255585463036179116820615320Housing Loans 3960282002874657422285129384506Education Loans 14693738572193263825410543215Self Help Groups Advances 837056178501734233428130264999777Overdue / NPA position as on 31.03.2017 under various sectors(Rs. in Crores)SectorOutstandingAmountTotal balance in overdue accounts% of total balance in overdue accounts to outstandingOverdue Amount% of overdue Amount to outstandingNPA Amount% of NPA to outstandingShort Term Crop Production Advances 725912023827.88%2023827.88%36615.04%Agrl.Term Loans Including Agrl. Allied Activities 30689809126.36%456414.87%25508.31%Total Farm Credit1032802832927.43%2480224.01%62116.01%Agriculture Infrastructure67517525.93%9814.52%8813.04%Ancillary Activities525360611.54%2514.78%1933.67%Total Agriculture Advances1092082911026.66%2515123.03%64925.94%MSME Sector Advances43982940121.37%39899.07%34157.76%Export Credit80730.37%30.37%00Others under Priority Sector Advances28884539518.68%13844.79%8983.11%Total Priority Sector Advances1828814390924.01%3052716.69%108055.91%Non-priority sector loans904911072111.85%56526.25%45154.99%Total Advances2733725463019.98%3617912.23%153205.60%Housing Loans 20028422221.08%8514.25%5062.53%Education Loans 385763816.54%2546.59%2155.57%Self Help Groups Advances 17850342819.20%13027.29%7774.35%9779001335405006762751767205003105150277876000118110097345500AGENDA- 17Regional Rural Banks17.1 Performance of Regional Rural Banks on important parametersBank Net WorkS. NoName of the RRBNo. of Branches as on 31.03.2015No. of Branches as on 31.03.2016No. of Branches as on 31.03.20171APGVB2542672702APGB4705005303CGGB1581741924SGB 170181195Total10521122 =SUM(ABOVE) 1187Deposits: (Rs. In crores)S. NoName of the RRB31.03.201531.03.201631.03.20171APGVB2563.653420.664422.642APGB7813.249594.6511553.913CGGB2186.212733.363291.264SGB3087.033696.144473.16Total15650.1319444.8123740.97 Advances (Rs. In crores)S. NoName of the RRB31.03.201531.03.201631.03.20171APGVB2237.852637.643275.782APGB7321.748764.8110067.183CGGB1993.832428.783045.274S G B3393.263555.033918.97Total14946.6817386.2620307.20CD RatioS. NoName of the RRB31.03.201531.03.201631.03.20171APGVB87.2977.1174.072APGB93.7191.3587.133CGGB91.2088.8692.534SGB 109.9296.1887.61CD ratio of all RRBs95.5189.4185.54Total Agriculture Advances (Rs. In crores)S. NoName of the RRB31.03.201531.03.201631.03.20171APGVB1267.351798.322295.662APGB5618.426786.238030.363CGGB1621.301988.672421.974S G B 2495.652757.793025.51Total11002.7213331.0115773.50Short Term Crop Production Loans (Rs. in crores) S. NoName of the RRB31.03.201531.03.201631.03.20171APGVB619.28804.41980.902APGB2931.633920.085004.933CGGB1306.271556.671864.704S G B 1669.612025.112097.50Total6526.798306.279948.03AGENDA -18Other Items18.1 Progress on filing of Equitable Mortgage Records on CERSAI as on 31.03.2017:Type of BankTotal number of Equitable Mortgages taken by the Banks from its Borrowers during the QuarterNo. of records uploaded on CERSAI Portal during QuarterOf (3) No. ofSubsisting Mortgages123PSBs11883123581711Pvt. Sector Banks143614298RRBs305305154Coop. Banks440Others000Total1362814096 =SUM(ABOVE) 1873Bank wise progress in filing of Equitable Mortgage records on CERSAI is placed as Annexure No.32AGENDA -19 19.1. Circulars issued by RBI:DateCircular No.ReferenceTitle13.04.2017275FIDD.FLC.BC.No.27/12.01.018/2016-17Financial Literacy Week13.04.2017276DBS.CO.PPD.BC.No.8/11.01.005/2016-17Revised Prompt Corrective Action (PCA) Framework for Banks28.04.2017295DNBR.PD(ARC)CC.No.03/26.03.001/2016-17Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002-Section 3 (1) (b) – Requirement of Net Owned Fund (NOF) for Asset Reconstruction Companies 28.04.2017296DCBR.RAD(PCB/RCB) Cir.No.4/7.12.001/2016-17Guidelines on Merchant Acquisition for Card Transactions05.05.2017299DBR.BP.BC.No.67/21.04.048/2016-17Timelines for Stressed Assets Resolution25.05.2017308FIDD.CO.FSD.BC.No.29/05.02.001/2016-17Continuation of Interest Subvention Scheme for short-term crop loans on interim basis during the year 2017-18 ................
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