त र प र ह त र ज य स तर य ब कर स र म तत क ब ठक

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1 त र प र ह त र ज य स तर य ब कर स र म तत क ब ठक STATE LEVEL BANKERS COMMITTEE MEETING FOR TRIPURA 122 nd JUNE 2017 १२२ व ज न २०१७ Date : Time : 11:30 AM Venue: Pragna Bhawan, Hall No.: 4 क यसर च ट प पण Quarterly Review तत ह र क ष AGENDA NOTES

2 य न इट डब क ऑफ इ डडय अग रण ब क प रभ ग प रध न क य लय 11, ह म त बस सरण क लक त स य जक: त र प र र ज य स तररय ब कस सममतत सन दभ : एल. ब डड/एसएलब स / ट / 122 / ददन क: एस एल ब स क सभ सदस य प रप रय मह दय, प र षय: त र प र र ज य स तर य ब कस सममतत क 122 ब ठक क क य स च दटप पण l उपय क त सन दभ म हम आपक स चचत करत ह क त र प र र ज य स तर य ब कस सममतत क 122 ब ठक ददन क क प न ह 11:30 बज "प रज ञ भ न ह ल न. 4" आग रतल म आय जजत क ज एग l क य स च दटप पण क एक प रतत भ ज रह ह l अन र ध ह क आप उक त ब ठक म अ श य भ ग ल l United Bank of India Lead Bank Division Head Office 11, Hemanta Basu Sarani Kolkata Convener: State Level Bankers Committee for Tripura Ref: LBD/SLBC/T/ 122 / Date: All members of SLBC Dear Sir Sub: Agenda Notes for the 122 nd Meeting of SLBC Tripura With reference to the above, we forward herewith a set of Agenda Notes for the 122 nd meeting of State Level Bankers Committee for Tripura scheduled to be held at Pragya Bhavan Hall No. 4, Agartala on at 11:30 AM. You are requested to kindly make it convenient to attend the meeting. भ द य Yours Faithfully, उप मह प रब धक ए म ख य क ष य प रब धक त र प र क ष Dy. General Manager & Chief Regional Manager Tripura Region

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4 C O N T E N T S Sl. Agenda Contents Page 1 General information/population Details/ Agricultural Scenario of Tripura/Network of Bank Branches & Vital Banking Statistics Confirmation of the proceedings of the 121 st meeting of SLBC for Tripura held on Pradhan Mantri Mudra Yojana STAND-UP INDIA Opening of Bank Branches in unbanked villages having population above 5000 in the State of Tripura 6 04 Financial Inclusion Plan (FIP) Pradhan Mantri Jan Dhan Yojana(PMJDY) 13 Aadhaar Authentication of All Current & Savings Accounts (CASA) Social Security Schemes(PMSBY-PMJJBY-APY) Performance of Rural Self-Employment Training Institutes(RSETI), Financial Literacy Centers (FLC) & Financial Literacy Camps by Rural Branches Credit-Deposit Ratio(CD Ratio) as on Annual Credit Plan >Achievement of Sector-wise ACP as on Flow of Credit to Agriculture & Allied Activities 34 >Bank-wise Target & Achievement of Lending to Agriculture 37 >Achievement of Lending to New Farmers/ Farm Credit >Lending to Small & Marginal Farmers 43 >Farmers Club 44 Flow of Credit to MSME Flow of Credit to Other Priority Sectors Issuance of Kisan Credit Cards(KCC) Performance of Banks in Crop & Term Loan 53 Implementation of Issuing KCCs 54 Pradhan Mantri Fasal Bima Yojana (PMFBY) Self Help Groups(SHG) Performance under SHG/National Urban Livelihood Mission(NULM) 56 Performance under NRLM/NERLP/WSHG Recovery performance of Banks Bank-wise and Sector-wise Recovery Performance 59 Bank-Wise & Government Programme-Wise Recovery Performance Joint Recovery/PDR Cases Position of NPA Of Banks In The State Of Tripura 66-69

5 Position of Technically Written-Off Accounts 68 Status of Govt. Sponsored Schemes & NPA generated thereof Performance of Banks in key areas in Tripura Branch Network & Population-Group Wise Deposit-Advance Performance in Lending to Priority Sector & Key Categories Quarterly Statement of June 2017 on Priority Sector Advance for FY Regional imbalances in deployment of credit to various sectors of the economy Bank wise- Scheme wise performance under different Govt. Sponsored Performance of Banks in PMEGP & SWAVALAMBAN Performance in Lending under Mini Dairy 80 Performance in Lending under KCC(Fishery) Educational Loans/Housing Loans & Specialized Schemes SME financing & bottlenecks thereof Timely submission of data by banks Other Important Issues Annexure related to Financial Inclusion Branch & ATM Network in the State Proceedings of 12st SLBC of Tripura held on

6 Districts Tripura State General Information Names of the districts 1. North Tripura 2 Unakoti 3 Gomati 4 South Tripura 5. West Tripura 6 Sepahijala 7 Khowai 8. Dhalai No. of Sub Divisions - 23 No. of Blocks - 58 No. of Autonomous Council - 1 Capital: Agartala Area: sq. km. Population: lac. (Male: lac o Female: lac) Literacy ratio: 94.65% (Male: 96.65% o Female: 92.35%) Land utilization- Net Cropped Area: 2,55,070 ha Irrigation Potentials:- Source: Good average rainfall-2200mm During south west monsoon. No perennial river. Total no of branches 508 Average population covered per branch: 7225 (Including RRB & Cooperative Banks) Multi cropped area: ha Fishery water area: ha Cropping intensity: 186% Lead Bank of 8 Districts UNITED BANK OF INDIA Main crops: Rice, Potato, Pineapple and Vegetable. Plantation: Rubber, Mandarin oranges Convener of SLBC United Bank of India 1

7 Population Details of Tripura Description Approximate Population 32 Lakhs Lakhs Actual Population 3,199,203 3,673,917 Male 1,642,225 1,874,376 Female 1,556,978 1,799,541 Population Growth 15.74% 14.84% Percentage of total Population 0.31% 0.30% Sex Ratio Child Sex Ratio Density/km Area(Km2) 10, , Total Child Population (0-6 Age) 436, ,014 Male Population (0-6 Age) 222, ,008 Female Population (0-6 Age) 214, ,006 Literacy 73.19% 94.65%(As on Sept' 2013) Male Literacy 81.02% 96.65%(As on Sept' 2013) Female Literacy 64.91% 92.35%(As on Sept' 2013) 2

8 Area Agricultural Scenario of Tripura a) Total area of the State 10, SqKms b) Altitude of Agartala Mts c) Land Utilisation i ) Total geographical area 10,43,169 ha. ii ) Net Cropped Area 2,55,070 ha. iii ) Forest area 6.29,426 ha. iv ) Area sown more than once 2,19,428 ha. v ) Gross Cropped Area 4,74,498 ha. vi) Cropping intensity 186% Agriculture a Production of crops i Rice 7,11,831 MT ii Wheat 300 MT iii Maize 5,863 MT iv Pulses 5,154 MT Total Foodgrains 7,23,148 MT v Sugar cane 4,95,98 MT vi Cotton (Bale =170 kg) 1,395 Bales vii Jute (Bale =180 kg) 5,369 Bales viii Mesta (Bale =180 kg) 7,003 Bales ix Total oil seeds 4,613 MT x Potato 94,554 MT b Fertilizer consumption MT c Per hectare use of fertilizer (NPK) 62 Kg/Ha d Bio-fertilizer distribution 1500 MT e Farmers trained 70,000 Nos. f Regulated agricultural markets 21 g Cropping intensity (%) 190% h Jhum productivity 1050 Kg/Ha i Cold Storage Agri Department 9 Nos Private 4 Nos 3

9 Climate Irrigation j Mango 11, MT k Pineapple 1,08,009 MT l Orange 20,383 MT m Jackfruit 2,52,384 MT n Coconut 7,882 MT o Summer vegetable 1,43,665,66 MT p Others winter vegetable 1,62, MT r Amount disbursed Rs Crores a Normal annual rainfall 2, mm b Average actual annual rainfall 1, mm c Normal rainy days 99.2 d Actual rainy days 82.5 a Cultivable area 2,79,050 ha. b Irrigable area 1,17,000 ha. c Potential created 1,19,000 ha. d Potential utilized 87,000 ha. 4

10 Network of Bank Branches in Tripura As on Population Group March 2012 March 2013 March 2014 March 2015 March 2016 March 2017 June 2017 Rural (57%) (57%) (54%) 54% 53% 53% 53% Semi- urban (20%) (22%) (25%) 25% 26% 26% 26% Urban (23% ) (21%) (21%) 21% 21% 21% 21% TOTAL (Figures in bracket indicate percentage of total branches.) 5

11 SLBC-TRIPURA VITAL BANKING STATISTICS (Amount Rs. in Crore) Sl. Parameter June'2016 March'2017 June' No. of Branches Total Deposits Total Advances CD Ratio C+I: Deposit Ratio Priority Sector Advances (PSA) % of PSA to ANBC Agriculture Advances % of Agri Advances to ANBC MSE Advances Education Loans Housing Loans DRI Advances % of DRI Advances to ANBC Schedules Caste/ Scheduled Tribe Advances Advances to Women Entrepreneurs % of Advances to Women Entrepreneurs to ANBC Weaker Section Advances % of Weaker Advances to ANBC Minority Community Advances % of Minority Community Advances to Prisec Advances DISBURSEMENT PARTICULARS UNDER ANNUAL CREDIT PLAN (Amount Rs in crore) As on June As on June 2017 Sector Plan Achievement (April 16-June 16) % to Target Plan Achievement (April 17-June 17) % to Target Agriculture MSME Other Prisec Total Prisec Non-Prisec Grand Total

12 Rs. in Crores Banking Key Indicators for the State of TRIPURA Banking Key Indicators Deposits Advance Priority Sector Advances Agriculture Priority Sector Advance As on % 39% 44% Agriculture & Allied MSME Other Priority Sector 7

13 Agenda item no -1 CONFIRMATION OF PROCEEDINGS OF THE 121 st MEETING OF THE SLBC FOR TRIPURA The proceedings and action points of the 121 st Meeting of SLBC for Tripura, held on was circulated under the cover of Convener Bank s letter no. LBD/ SLBC/Tripura/764/ dt ; the same may please be confirmed by the House. 8

14 PRADHAN MANTRI MUDRA YOJANA (PMMY) AGENDA No. 2 Action Points emerged in the 121 st SLBC Meeting held on All Banks are to exert effort to achieve MUDRA Target for FY as on (Action: All Banks). Status of implementation All Banks/Lending Institutions have made an achievement of Rs Crores with numbers of accounts as on , against the annual target of Rs Crores i.e. 23% of the target. Action Points emerged in the 121 st SLBC Meeting held on NABARD and Tripura State Government to take up the matter with the Appropriate Authority so that TGB comes under the ambit of CGTMSE and MUDRA Guarantee Scheme (Action: NABARD, TGB and Government of Tripura) Status of implementation Tripura Gramin Bank is yet to receive permission from the appropriate authority. Performance of the Banks in the State of Tripura as on for FY (from to ) is furnished below: Amt. Rs. In Crores Shishu Kishore Tarun Bank Name (Loans up to Rs. 50,000) (Loans from Rs. 50,001 to Rs Lakh) (Loans from Rs to Rs Lakh) Total A/Cs Amt A/Cs Amt A/Cs Amt A/Cs Amt Public Sector Banks Private Sector Banks RRBs Co-Op Banks Sub- Total NBFCs Grand Total Bank wise details of disbursement is Annexed. 9

15 Bank Type : ALL State : Tripura Financial Bank : ALL Scheme : MUDRA Data Till 30/06/2017 [Amount Rs. in Crore] Shishu Kishore Tarun Sr No Bank Type Name Bank Name (Loans up to Rs. (Loans from (Loans from Total A/Cs Amt. A/Cs Amt. A/Cs Amt. A/Cs Amt SBI and Associates State Bank of India Total Public Sector Commercial Banks Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Overseas Bank Punjab National Bank Syndicate Bank Union Bank of India United Bank of India Punjab & Sind Bank UCO Bank Vijaya Bank IDBI Bank Limited Total Private Sector Commercial Banks South Indian Bank ICICI Bank IndusInd Bank HDFC Bank IDFC Bank Limited Total Regional Rural Banks Tripura Gramin Bank Total NBFC-Micro Finance Institutions Village Financial Services Pvt Ltd JANALAKSHMI FINANCIAL SERVICES LIMITED RGVN (NORTH EAST) MICROFINANCE LIMITED Asirvad Microfinance Pvt. Ltd Arohan Financial Services Pvt. Ltd Total Cooperative Banks Tripura State Cooperative Bank Total Grand Total

16 STAND-UP INDIA Stand-Up India Scheme facilitates bank loans between Rs.10 lakh and Rs. 1 crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch for setting up a Greenfield Enterprise. Action Points emerged in the 121 st SLBC Meeting held on All Banks are to exert effort to achieve Stand-Up India Targets for as well as uploading of proposals in the Portal (Action: All Banks). Status of implementation Loans under the scheme had been extended to 5 SC/ST/Women beneficiaries amounting to Rs Crores during April-June 2017 of FY Bank-wise Progress under the Scheme as on 30 th June 2017 is as follows:- PERFORMANCE UNDER STAND UP INDIA As on Amt.: Rs. In Lakhs Sl. Bank SC/ST Women TOTAL No. Amt. No. Amt. No. Amt. 1 Allahabad 2 Andhra Bank 3 Bank of India 4 Canara Bank IDBI Bank 6 IndusInd Bank 7 Punjab & Sind Bank 8 State Bank of India 9 Syndicate Bank 10 Tripura Gramin Bank 11 UCO Bank 12 United Bank of India Vijaya Bank GRAND TOTAL

17 AGENDA No. 3 Opening of Bank Branches in unbanked villages having population above 5000 in the State of Tripura Action Points emerged in the 121 st SLBC Meeting held on Banks to submit status report on opening of branches in unbanked villages having population above 5000 to SLBC desk. (Action: Banks). Status of implementation No Branch has since been opened till date and Status report as received from concerned banks is furnished below:- ALLOCATION OF UNBANKED VILLAGES HAVING POPULATION ABOVE 5000 TO DIFFERENT SCHEDULED COMMERCIAL BANKS Name of the State Sl. District Block TRIPURA GP having Bank Branch or Not (Yes or No) Name of Unbanked Village > 5000 Population as per 2011 Census Availability of Bank If YES, YES/NO Engaged By Allotted to Bank (Specify Name) for Branch Opening Remarks 1 West Dukli No Belabar 8648 Yes TGB Indian Bank Proposal is forwarded to controlling office situated at Guwahati. Confirmation is pending. 2 West Dukli No Charipara 6710 Yes TGB UCO Bank Under Process 3 West Dukli No Ishan Chandra Nagar 5944 Yes UBI Vijaya Bank Proposal is pending with Head Office 4 West Dukli No Maheshkhola 5107 Yes SBI Canara Bank Taken up with appropriate authority for approval. 5 Dhalai Ambassa No Kamalacherra 5524 Yes TGB Central Bank of India Proposal is pending with Head Office 6 Dhalai Ambassa No Lalcherra 6529 Yes UBI TGB Suitable Premises Found. Major Renovation Required. Branch to be opened after renovation. 7 Dhalai Manu No Mainama 6168 Yes TGB Bank of India SLBC Yet to receive Status Report 8 Dhalai Manu No Jamircharra 6617 Yes UBI Union Bank of India Proposal is pending with controlling office 9 North Kadamtala No Baghan 5179 Yes TGB Syndicate Bank Proposal is pending with Corporate Office 10 North Jubarajnagar No Kameswar 5319 Yes UBI UBI Waiting for approval from RBI. 11 North Jubarajnagar No Radhapur 5678 Yes UBI IDBI Our Bank has already opened two branches at two different unbanked area of Tripura viz Rangamati and Uttarchampamura in current financial Year. There is no proposal of opening of branch at Radhapur in current financial Year. The proposal is noted for future branch expansion plan 12 North Laljuri No Chandipur 5133 Yes TGB Axis Bank SLBC Yet to receive Status Report 13 Sepahijala Jampuijala No Paschim Takarjala 5779 Yes TSCB SBI DM Sepahijala, SDM Jampuijala and people's representative have requested to open Branch at Jampuijala instead of West Takarjala. Field Visit is done. Accordingly a letter has been sent to SLBC Tripura for approval. The same has been forwarded to RBI for necessary action. 14 Sepahijala Jampuijala No Ratanpur 5233 Yes TSCB P & SB Not opened with plea that our Bank has a Branch at Gabordi about 2 Kms away. The Branch opens accounts of people of Ratanpur and has a large number of accounts from that area. 15 Khowai Teliamura No Dakshin Krishnapur 5049 Yes UBI Allahabad Bank SLBC Yet to receive Status Report 16 Khowai Teliamura No Madhya Krishnapur 5224 Yes UBI Andhra Bank Pending with Zonal Office 17 Khowai Teliamura No Sardu Karkari 6087 Yes TGB IOB Not viable to open a new branch 18 Khowai Mungiakami No Uttar Gokulnagar 5233 Yes TGB HDFC Proposal is pending with corporate Office 19 Unakoti Pecharthal No Nabincherra 5025 Yes TGB ICICI SLBC Yet to receive Status Report 12

18 FINANCIAL INCLUSION Agenda Item No. 4 Action Points emerged in the 121 st SLBC Meeting held on All Banks to complete Aadhaar Seeding and activation of RuPay Debit Cards with the active cooperation of the State Government Machinery and PRI bodies in Savings accounts. (Action : All Banks). Status of implementation The details of progress under PMJDY are annexed. Pradhan Mantri Jan DhanYojana (PMJDY). Performance of PMJDY as on for the State of Tripura is furnished below: Rural Accounts Urban Accounts Total Accounts Deposit (Rs/crore) Aadhaar Seeded Zero balance A/cs RuPay card issued No. No. No. Amt. No. No. No * In Percentage * Average deposit per account Rs 7627/ crore PMJDY accounts have been opened till across the country with deposit of Rs crore with an average deposit of Rs. 2231/- per account as against average deposit of Rs 7627/- per account in the State of Tripura. Aadhaar seeding percentage is in Tripura. On the issue of bulk seeding of Aadhaar numbers from MNREGA database or database of other department, all banks are to observe due diligence and obtain written consent of the customer before seeding the Aadhaar number in the Bank account. All banks are requested to push up Aadhaar seeding for smooth DBT transactions. All the banks in the State of Tripura issued Rupay Cards to 88.73% PMJDY customers against national issuance of 76.93%. Activation of Rupay cards is an area of concern for banks in Tripura. Bank Mitras should use Rupay Card compliant hand-held devices at the earliest, so that all the beneficiaries get the benefit of Rs. 1 lac inbuilt accident insurance. This area needs attention by all banks. Number of Zero balance accounts has considerably come down and stands at only 4.60% of total PMJDY accounts opened in the State. Bankers are requested to convert all zero balance accounts into operative accounts. DFS, MoF, GoI is reviewing the progress of PMJDY in respect of Financial Literacy, Rupay Card activation and status of Bank Mitras through Video Conferencing on regular basis. SLBC Desk Tripura along with member banks and State Mission Director (PMJDY) participate in VCs. SLBC communicates the direction of the DFS regularly to member banks for implementation. 13

19 Aadhaar Authentication of All Current & Savings Accounts (CASA) Govt. of India has instructed all Banks to complete Aadhaar Authentication of all Current and Savings Bank Accounts within 31 st December Accounts not having Aadhaar Authentication will be made inoperative w.e.f. 1 st January The various aspects of this task are listed as follows:- Amended PML Rules Requirement of Aadhaar submission New accounts: Customer to submit Aadhaar number Existing accounts: Customer to submit Aadhaar number by , failing which accounts to be inoperative till submission of Aadhaar Authentication Banks to authenticate Aadhaar data with UIDAI Modes of Authentication Banks may adopt any of the following methods, and decide the extent of demographic information match in case of demographic authentication: Biometric authentication OTP-based authentication Demographic authentication Aadhaar enrolment and update Scheduled Commercial Banks to set up enrolment centres in 10% branches by All bank branches to have ekyc facility Need for time-bound action Aadhaar authentication only 13% of operative current & savings accounts (CASA) Need to reach out to all customers to secure authentication ahead of December deadline to avoid: Large numbers of customers with unauthenticated accounts Disruption in banking operation due to inoperative accounts Chief Secretaries requested to organise congregations at Aadhaar enrolment & update centres MGNREGA seeding & enrolment camps by State authorities on till Coordinated public awareness campaign 14

20 Banks to set up OTP-based authentication website/mobile facility Next Steps at State Level Lead Bank to organise townhalls with participation of local associations like chambers of commerce, CAs, RWAs and local bodies, local media to communicate the need to link Aadhaar At least one townhall in all divisional HQs within the coming 15 days Organise congregations for o linking Aadhaar, and o helping customers secure match in cases where bank identifies mismatch between bank & Aadhaar details & intimates customers Aim to complete the authentication exercise by November United Bank of India, Convener-SLBC Tripura is going to hold one workshop on Aadhaar Authentication of all current and savings accounts with the help of UIDAI on i.e. after SLBC Meeting for all LDMs and member banks of SLBC Tripura. 15

21 Social Security Schemes: Performance of 3 Social Security Schemes viz. Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana(APY) as on is furnished below: Bank Type PMSBY PMJJBY APY Total PSB RRB Private Co-op Total Amendment in rules for implementation of PMJJBY: It has been advised by DFS, MoF, GoI (letter F.No.H-12011/2/2015-Ins.II dated ) to incorporate a lien clause in the rules of PMJJBY with effect from whereby claims for deaths which occur during first 45 days from the date of enrollment will not be paid, effectively meaning that the risk cover will commence only after the completion of 45 days from the date of enrollment into the scheme by the member. However, death due to accident will be exempted from the lien clause. Action Points emerged in the 121 st SLBC meeting held on : Member Banks are to timely submit the complete claim applications to insurance Companies and also to take up the help of SLBC Desk to reduce rejection of claims. (Action : All Banks). Status of Implementation Member Banks are requested to submit complete set of Claim Applications to respective Insurance Companies so as to ensure early settlement of claims. In case of any difficulty/issues, any Bank/ Claimant may contact SLBC desk Tripura. 16

22 Performance of PMSBY, PMJJBY & APY as on is also furnished below: As on Sl. STATE TOTAL Name Of Bank SBY JBY APY 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK IOB OBC Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank PUBLIC SECTOR BANKS AXIS BANK IDFC Bank Federal Bank HDFC ICICI Indusind Bank Kotak Mahindra Bank SOUTH INDIAN BANK YES Bank PVT. SECTOR BANKS Tripura Gramin Bank RRB ACUB TSCB Co-Op Banks TOTAL GRAND TOTAL

23 Progress in extension of banking facilities as per Financial Inclusion Plan: The banks have already set up banking outlets in all the 419 villages having 2000 or more population mainly through BC model and Brick and Mortar branches in some villages. BCAs were engaged in 414 villages. B & M branches were opened in 5 (five) villages accounts have been rolled out to give coverage of one family-one account. The Banks have since covered all the 619 villages having population less than 2000 through BC model. It was also directed to open brick & mortar branches in at least 5% of the total villages under FI Plan. Accordingly, SLBC Tripura identified 35 centers for opening of Brick & Mortar Branches and allotted among the different Banks. So far, 34 Brick & Mortar branches have already been opened and 1 (One) branch is yet to be opened in the village namely Thirthamukh by TSCB. Besides, 85 number of Brick & Mortar branches have been opened in rural areas of Tripura to cater to the needs of people under Financial Inclusion plan. Convergence of insurance facilities with the FI initiatives: Operational from 1 st of June, 2015, the 3 Social Security Schemes launched by the Hon ble Prime Minister of India, namely Pradhan Mantri Suraksha BimaYojana(PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY) and Atal Pension Yojana(APY) are in implementation in the State and have shown satisfactory achievement. Progress in GIS data entry: GIS data entry has been completed for all the 8 lead districts of the State. The concerned LDMs have been advised to keep updating the entries as and when occasions arise. 18

24 Financial Literacy Centers: Action Points emerged in the 121 st SLBC meeting held on : Each FLC and rural branch would conduct minimum one outdoor / indoor literacy camp once a month. (Action: All FLC & Rural branches). Status of implementation The 14 FLCs have conducted 107 literacy camps during April-June 2017 with participation of 6052 persons. Besides, 251 rural branches conducted 694 camps during the same period with participation of 9694 persons thus averaging 2.76 Camps per branch during the quarter. CREDIT PLUS ACTIVITIES: - Monitoring initiatives for providing Credit Plus activities by banks and State Government such as setting up of Credit Counseling Centers and RSETIs for providing skills and capacity building to manage businesses. RSETI : Five RSETIs are providing skill development training for the Rural Unemployed youth of all the 8 districts in the State. These RSETIs are functioning in premises temporarily arranged for the purpose. The State Government has allocated land to RSETIs at Dhalai, Udaipur & Kumarghat for constructing permanent premises. Performance of RSETIs: The five RSETIs in Tripura trained 519 participants during FY Out of the total participants, 3 people got employed with their own fund, 232 have got self-employed through bank loan and no one has been wage employed thus registering employment percentage of %. In the last SLBC Meeting, it was decided that Directors of RSETIs/RUDSETI be invited to place the performance of their Institute. Accordingly, all the RSETI and RUDSETI Directors have been requested to remain present in SLBC Meeting with their performance for placing before the House. The performance of the 5 RSETIs during the current financial year is Annexed. 19

25 STATE-TRIPURA Performance of RSETIs in Tripura (upto ) Agenda Item No. 3 Annexure No. RSETI - UBI -Udaipur,Gomati F.Y No. of Participants Out of total Participants No. of Trainees Employed Financial Status of Trainees Male Female Total SC ST OBC MC With owned fund With bank Loan Wage Emplo yed Total APL BPL TOTAL mme Total F.Y No. of Progra RSETI - UBI - Ambassa,Dhalai No. of Progra mme No. of Participants Out of total Participants No. of Trainees Employed Financial Status of Trainees Male Female Total SC ST OBC MC With owned fund With bank Loan Wage Emplo yed Total APL BPL TOTAL Total RSETI - TGB -SEPAHIJALA, Sepahijala No. of F.Y Progra No. of Participants Out of total Participants No. of Trainees Employed Financial Status of Trainees mme With With Wage Male Female Total SC ST OBC MC owned bank Emplo Total APL BPL TOTAL Total RUDSETI, AGARTALA (Promoted by Syndicate & Canara Bank), West Tripura F.Y No. of Progra No. of Participants Out of total Participants No. of Trainees Employed Financial Status of Trainees With owned fund With bank Loan Wage Emplo yed Total APL BPL TOTAL Male Female Total SC ST OBC MC Total RSETI - SBI -Kumarghat, Unakoti. No. of F.Y Progra mme No. of Participants Out of total Participants No. of Trainees Employed Financial Status of Trainees With owned fund With bank Loan Wage Emplo yed Total APL BPL TOTAL Male Female Total SC ST OBC MC Total

26 Sl. State District Location(Metro, Urban, SU, Rural) Address QUARTERLY REPORT FINANCIAL LITERACY CENTRES-- REPORT FOR THE QUARTER ENDED JUNE 2017 Date of start of functioning Name of Sponsoring Bank No. of Literacy Camps undertaken during the quarter as per RBI guidelines using standardized financial literacy material of RBI No. of Persons participated in Literacy Camps during the quarter 1 Tripura West Tripura Tripura Sepahijala Tripura Khowai Tripura Gomati Tripura South Tripura Dhalai Tripura North Tripura Unakoti TOTAL Branch wise details have been Annexed. 21 Out of Persons participated, number of persons already having bank a/c at the time of attending the camp Out of persons participated, no. of persons opened bank a/c after attending the camp 1 Tripura Gomati Semi-Urban R-Seti,Udaipur UBI Tripura Dhalai Rural R-Seti, Ambassa UBI Tripura Sepahijala Urban R-Seti, Sepahijala TGB Tripura West Tripura Urban Rudset Institute Syndicate Bank & Canara Bank Tripura Unakoti Rural R-Seti, Kumarghat SBI Tripura Gomati Semi-Urban LDM(South) UBI Tripura Dhalai Semi-Urban LDM(Dhalai) UBI Tripura Unakoti Semi-Urban LDM(North ) UBI Tripura West Tripura Urban LDM(West) UBI Tripura Khowai Semi-Urban TGB Khowai Branch TGB Tripura South Semi-Urban TGB Santirbazar Branch TGB Tripura Gomati Semi-Urban TGB Udaipur Branch TGB Tripura Sepahijala Rural TGB Bishramganj Branch TGB Tripura North Semi-Urban TGB Dharmanagar Branch TGB Total Sr.N o. State District No. of Rural Branches in the District QUARTERLY REPORT RURAL BRANCHES-- REPORT OF CONDUCT OF FINANCIAL LITERACY CAMP FOR THE QUARTER ENDED JUNE 2017 No. of Rural No. of Literacy Branches which have Camps conducted conducted literacy as per RBI camps as per RBI guidelines using guidelines using standardized standardized Financial Financial Literacy Literacy Materials of Material of RBI RBI in the quarter No. of persons participated Out of persons participated, no. of persons already having bank a/c at the time of attending the camp Out of persons participated, no. of persons opened bank a/c after attending the camp

27 CD Ratio of Banks in Tripura 1. Action Points emerged in the 121 st SLBC Meeting held on Agenda Item No. 5 All Banks are to exert efforts jointly to raise the CD ratio of the State to 53% as on (Action: All Banks & State Government). Status of implementation CD ratio of the Banks in the State increased to 44% as on from 43% as on The CD ratio of Banks is gradually improving again after decreasing by 3% as on December 2016 as compared to March 2016 owing to receipt of huge amount of Specified Bank Notes (Rs. 500/ Rs. 1000) both in Deposit and Advance Accounts owing to demonetization during November- December Banks have already initiated steps for increasing credit portfolio both in Agriculture and Retail segments including MSE. All Banks are requested to take proactive steps for increasing advances in the State for steady growth in CD ratio of the State during FY Action Points emerged in the 120 th SLBC Meeting held on The District Administration would continue to review the CD ratio of the districts in all DCC meetings and Action points should be decided for all districts to push up the CD ratio. Extra efforts should be initiated for West Tripura District to improve its CD ratio with high ticket loan accounts. (Action: All Banks & LDMs). Status of implementation District administration is reviewing the progress of CD Ratio in every DCC meeting and action points are taken to push up the CD ratio of all Banks. Besides, Special Sub-committee (SSC) of West Tripura District is regularly monitoring and reviewing the performance of CD Ratio in each DCC Meeting of West Tripura. 22

28 CD Ratio: The details of Bank wise and district wise CD ratio are annexed. At the end of June 2017 the CD ratio of the State stood at 44% compared to 43% as on March The district wise details are as under: District CD RATIO CD RATIO June 2016 March 2017 June 2017 Since March 2017 North Tripura Unakoti South Tripura Gomati West Tripura Sepahijala Khowai Dhalai Total State CD ratio of 7 out of 8 districts in the State as on June 2017 has improved over the CD ratio of March CD Ratio of 89% is the highest in Gomati District, as against 33%, the lowest in West Tripura District having 58 % of the total business of the State. District-wise / Bank-wise CD Ratio of Banks is furnished in the Annexure. 23

29 Agenda item no-5 BANKWISE CREDIT DEPOSIT RATIO OF THE STATE AS ON 30th June' 2017 (Amt. In lac) SL No. Bank's Name No of Brs Total Deposit Total Advance CD Ratio 1 Allahabad Bank Bandhan Bank Bank Of Borada Bank Of India Canara bank Central Bank Of India Dena Bank Indian Bank Indian Overseas Bank Punjab & Sind Bank State Bank Of India UCO Bank Union Bank United Bank Of India Vijaya Bank AXIS BANK Punjab National Bank Syndicate Bank Oriental Bank Of comerce ICICI Tripura Gramin Bank ACUB TCARDB IDBI BANK IDFC Bank Tripura State Co-op Bank INDUSIND BANK HDFC Bank Corporation Bank South Indian Bank Yes Bank Andhra Bank Bank of Maharashtra Kotak Mahindra Bank Ltd Federal Bank Total : DISTRICTWISE CREDIT DEPOSIT RATIO OF THE STATE as on 30th June' 2017 Sl. District No. of Brs. Total Deposit Total Advance CD Ratio 1 West Sepahijala Khowai Dhalai Gomati South Unakoti North Total

30 TRIPURA STATE Agenda Item No. 5 Credit Deposit Ratio as on 30th June' 2017 for West Tripura District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Allahabad Bank Bandhan Bank Bank Of Borada Bank Of India Canara bank Central Bank Of India Dena Bank Indian Bank Indian Overseas Bank Punjab & Sind Bank State Bank Of India UCO Bank Union Bank United Bank Of India Vijaya Bank AXIS BANK Punjab National Bank Syndicate Bank Oriental Bank Of comerce ICICI Tripura Gramin Bank ACUB TCARDB IDBI BANK IDFC Bank Tripura State Co-op Bank INDUSIND BANK HDFC Bank Corporation Bank South Indian Bank Yes Bank Andhra Bank Bank of Maharashtra Kotak Mahindra Bank Ltd Federal Bank Total

31 STATE TRIPURA Agenda Item No. 8 CD Ratio as on 30th June' 2017 for Gomati District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Allahabad Bank Bandhan Bank Bank Of Borada Bank Of India Canara bank Central Bank Of India Indian Overseas Bank State Bank Of India UCO Bank Union Bank United Bank Of India AXIS BANK Syndicate Bank ICICI Tripura Gramin Bank ACUB TCARDB IDBI BANK Tripura State Co-op Bank HDFC Bank Total : CD Ratio as on 30th June' 2017 for South Tripura District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Bandhan Bank Bank Of India Canara bank State Bank Of India UCO Bank Union Bank United Bank Of India AXIS BANK Tripura Gramin Bank TCARDB IDBI BANK Tripura State Co-op Bank Total :

32 TRIPURA Agenda Item No. 8 CD Ratio as on 30th June' 2017 for Unakoti District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Bandhan Bank Canara bank Central Bank Of India Indian Overseas Bank State Bank Of India UCO Bank United Bank Of India ICICI Tripura Gramin Bank TCARDB Tripura State Co-op Bank Total : CD Ratio as on 30th June' 2017 for North Tripura District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Bandhan Bank Bank Of India Canara bank State Bank Of India UCO Bank Union Bank United Bank Of India AXIS BANK Punjab National Bank Syndicate Bank ICICI Tripura Gramin Bank IDBI BANK Tripura State Co-op Bank INDUSIND BANK HDFC Bank Total :

33 TRIPURA Agenda Item No.8 CD Ratio as on 30th June' 2017 for Sepahijala District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Bandhan Bank Bank Of India Canara bank Punjab & Sind Bank State Bank Of India UCO Bank United Bank Of India AXIS BANK Punjab National Bank Syndicate Bank Oriental Bank Of comerce Tripura Gramin Bank TCARDB Tripura State Co-op Bank Total : CD Ratio as on 30th June' 2017 for Khowai District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Allahabad Bank Bandhan Bank Canara bank Indian Overseas Bank State Bank Of India UCO Bank United Bank Of India ICICI Tripura Gramin Bank Tripura State Co-op Bank Corporation Bank Total : CD Ratio as on 30th June' 2017 for Dhalai District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Bandhan Bank Bank Of India Canara bank Central Bank Of India Indian Bank State Bank Of India UCO Bank United Bank Of India ICICI Tripura Gramin Bank Tripura State Co-op Bank Total :

34 Implementation of Annual Credit Plan(ACP) Agenda Item No 6 Action Points emerged in the 121 st SLBC Meeting held on % disbursement targets set against all sectors under ACP is to be achieved (Action: All Banks). Status of implementation All the banks put together disbursed Rs crore i.e. 27% of the Annual Target for Rs crore under ACP as on June The overall achievement is 27% against the target of ACP as on while achievement under Agriculture sector is 29%. Achievements in MSME and OPS are 28% and 17% of the ACP Targets respectively as on A comparative position of achievement in disbursement under ACP as on with the corresponding period of the previous year is as under: Amt. Rs. In Lakhs (Up to June 2016) (Up to June 2017) Sector Plan Achievement (April 16- June 16) % to Targe t Plan Achievement (April 17-June 17) % to Targ et % of growth (Y-O- Y) Agriculture MSME Other Prisec Total Prisec Non-Prisec Grand Total Bank wise performance on different sectors under ACP pertaining to the year as on has been given in the annexure. 29

35 Rs. in Crore Achievement of Annual Credit Plan up to Agriculture MSME Other Priority Sector Total Priority Sector Non Priority Sector Total Credit Plan/Achie vement Target Achievement Target Achievement Sector Credit Disbursement under ACP as on and Amt. Rs. in Agricultur MSME Other Total Non Total e Priority Priority Priority Credit Sector Sector Sector Plan/Achie vement

36 Share of Banks in achievement of ACP up to Amt. Rs. In Crore Bank Name Actual Achievement % of Share State bank of India United Bank of India UCO Bank Canara Bank Central Bank of India Bank of India Union Bank of India Pvt. Sector Banks Tripura Gramin Bank Cooperative Banks Other Banks TOTAL Share of Banks in achievement of ACP up to Other Banks 2% Cooperative Banks 20% Tripura Gramin Bank 21% State bank of India 12% Pvt. Sector Banks 26% United Bank of India 12% Central Bank of India UCO Bank 1% Canara Bank 1% 0% Bank of India 4% Union Bank of India 1% 31

37 Sl.No. TRIPURA STATE BANK-WISE & SECTOR-WISE DISBURSEMENT OF CREDIT VIS-À-VIS TARGETS UNDER ANNUAL CREDIT PLAN DURING to BANKS Agril & Allied Activities MSME Other Priority Sector Priority Sector T A A as % of T T A A as % of T T A A as % of T T A A as % of T (Amt. in Lacs) Non Priority Sector T A A as % of T Total Sector T A A as % of T Allahabad Bank Andhra Bank Bank of Baroda Bank of Maharashtra Bank of India Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Indian Overseas Bank Punjab National Bank Punjab & Sind Bank State Bank of India Syndicate Bank Oriental Bank of Commerce United Bank of India Union Bank of India UCO Bank Vijaya Bank A ACP PUBLIC sec Bank AXIS BANK Bandhan Bank HDFC ICICI Bank IDFC Bank Indusind Bank South Indian Bank Yes Bank Federal Bank Kotak Mahindra Bank Ltd B ACP PRIVATE Sec bank Tripura Gramin Bank C ACP RRB ACUB TCARDB TSCB D ACP Coop. Bank GRAND TOTAL

38 Tripura State Districtwise and sectorwise Achievement under Annual Credit Plan during the period to SL No. Name of District Rupees in lac. Agricultue & Allied MSME OTHER PRISEC TOTAL PRISEC Non-priority Activities sector sector Total Sector T A A as % of T T A A as % of T T A A as % of T T A A as % of T T A A as % of T T A A as % of T 1 West Tripura Khowai Sepahijala Gomati South Tripura North Tripura Unakoti Dhalai Total

39 Flow of Credit to Agriculture & Allied Activities The position of credit disbursement to agriculture against the Annual Credit Plan as compiled by SLBC for the State of Tripura for last 5 years is as follows: (Rs.in crore) Year Target Achievement % of Target (Up To June 2016) (Up To June 2017) Growth Over Last Year 63% 117% - Disbursement during April 2017-June 2017 is Rs crore i.e. 29% of Annual Target for Rs crore recording an increase of 117% over the disbursement of corresponding period of last year ( ). Plan Year (Up to June 2017) Agency wise achievement Status of Farm Credit under ACP in Tripura Status reports of last 5 Years is as under Amt. Rs. In Crore Parameter Commercial Banks RRB Co-Operatives Others Total Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv

40 Progress report on flow of farm credit by all Banks in Tripura for the year is given below: Amt. Rs. In Crores Sl No. Directive Target ( ) Achievement during (April 17 to March 17) 1 Increase in Farm Credit Rs Achievement during is Rs Crore (29% of the target), i.e. recording an increase of 117% over the disbursement during the corresponding period of last year ( ). 2 KCC (No.) nos. (27% of the target including renewal) KCCs. 3 New Farmers (No.) 4 Investment Credit nos of New farmers have been financed involving an amount of Rs crores. 2-3 cases per branch 5 cases for Rs 0.18 Crores. (R & SU) Bank wise position as on for different sectors is furnished in the Annexure. 35

41 Share of Banks in achievement of ACP under Agriculture up to Amt. Rs. In Crore Bank Name Actual Achievement % of Share State bank of India Bank of India United Bank of India Canara Bank UCO Bank Central Bank of India Union Bank of India Pvt. Sector Banks Tripura Gramin Bank Cooperative Banks Other Banks TOTAL Share of Banks in achievement of ACP under Agriculture up to Cooperative Banks 33% Other Banks 1% State bank of India 11% United Bank of India 10% Bank of India 1% Central Bank of India 0% Canara Bank 0% UCO Bank 1% Pvt. Sector Banks 22% Union Bank of India 1% Tripura Gramin Bank 20% 36

42 Bank - wise Targets and Achievement in Agriculture for for the State of Tripura under ACP as on June'2017 Sl.No. BANKS (As on June'16) Target Achievement % of Achievem ent Target Amt. Rs. In Lakhs (As on June'17) Achievement % of Achievement Allahabad Bank Andhra Bank Bank of Baroda Bank of Maharashtra Bank of India Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Bharatiya Mahila Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank A ACP PUBLIC sec Bank AXIS BANK Bandhan Bank Federal Bank HDFC IDFC Bank ICICI Bank Indusind Bank Kotak Mahindra Bank South Indian Bank Yes Bank B ACP PRIVATE Sec bank Tripura Gramin Bank C ACP RRB ACUB TCARDB TSCB D ACP Coop. Bank GRAND TOTAL

43 Sl No Name TRIPURA STATE Achievement under Sub-Sectors of Allied Activities against ACP for the Year as on W R Dairy Dev Fishery Poultry FMS Other Term Loan Total of Allied Tar Ach Tar Ach Tar Ach Tar Ach Tar Ach Tar Ach Tar Ach 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank A Sub Total of Public Sec. Bank AXIS BANK Bandhan Bank Federal Bank HDFC ICICI IDFC Bank Indusind Bank Kotak Mahindra Bank SOUTH INDIAN BANK YES Bank B Sub Total of Pvt. Sec. Bank Tripura Gramin Bank C Sub Total of RRB ACUB TCARDB TSCB D Sub Total of Coop.Banks GRAND TOTAL

44 Creation / release of Online charge by banks on land holdings: At present the land possession certificates are being issued by the Agriculture Dept / other Depts. to the eligible farmers for issuing KCCs. Presently, land records are made available on-line where bankers have access to verify the ownership of the land offered as security or for cultivation of crop except in some tehsils. In view of spurt in the fraudulent use of land records, it has become imperative to introduce on-line land verification system; the State Govt. is requested for extending support for the following procedures across the State: 1. To introduce online land verification system 2. To have facility for creating charge on land online to protect the interest of the banks. 39

45 TRIPURA STATE Agenda Item-6 Achievement of New Farmers brought under finance during the year up to (Amt. in Lakhs) Name of Bank New farmers Loans to SF/MF Achievement No. Amount No. Amount Sl No Allahabad Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Axis Bank Bandhan Bank Federal Bank HDFC ICICI Indusind Bank South Indian Bank Tripura Gramin Bank TSCB TOTAL

46 TRIPURA STATE Achievement of Farm Credit As on June 2017 for the year by the different lending institutions is given below Agenda Item No- 6 Sl.No. BANKS Plan for Farm Credit Achievement (April 2017 to June (Amt in Lacs) Percentage of Achievement 2017) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of Maharashtra Bank of India Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Indian Overseas Bank Punjab National Bank Punjab & Sind Bank State Bank of India Syndicate Bank Oriental Bank of Commerce United Bank of India Union Bank of India UCO Bank Vijaya Bank A ACP PUBLIC sec Bank AXIS BANK Bandhan Bank HDFC ICICI Bank IDFC Bank Indusind Bank South Indian Bank Yes Bank Federal Bank Kotak Mahindra Bank Ltd B ACP PRIVATE Sec bank Tripura Gramin Bank C ACP RRB ACUB TCARDB TSCB D ACP Coop. Bank GRAND TOTAL

47 Each rural and semi urban branch of commercial banks, on an average, will take up at least 2 to 3 New Investment Projects. Target and achievement for (April 17 to June 17) for investment credit is given in the following table: Sl.No. Name of Bank Proposal Received for Investment Project (Rs. In Lacs) Achievement (April 2017 to June 2017) No No Amt 1. CBI SBI UCO UBI TGB TSCB TCARDB Total: Investment Project could be in the areas of plantation and horticulture, animal husbandry, fisheries, minor irrigation, waste land development, agro processing, food processing etc. with a typical project cost of Rs. 3 lac to 5 lac. 42

48 TRIPURA STATE Agenda Item-6 FINANCE TO SMALL & MARGINAL FARMERS During The Year By The Scheduled Commercial Banks, RRBs and Co-Op Banks is Shown in The Following Table As on (Amt. in Lakhs) Loans Granted To Small & Marginal Farmers Sl Name of Bank No No. Amount Allahabad Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Axis Bank Bandhan Bank Federal Bank HDFC ICICI Indusind Bank South Indian Bank Tripura Gramin Bank TSCB TOTAL

49 FARMERS CLUBS Action Points emerged in the 121 st SLBC Meeting held on Formation of Farmers Clubs as per allocation given to Banks. (Action: All Banks & NABARD). Status of implementation So far 54 Farmers Clubs have been formed by the Banks as on June Bank Target For Formation of Farmers' Club ( ) Achievement As on Allahabad Bank 1 3 Bank of Baroda 1 0 Bank of India 5 2 Bharatiya Mahila Bank 1 0 Canara Bank 5 1 Central Bank of India 2 0 Corporation Bank 1 0 Indian Bank 1 0 IDBI BANK 3 0 Indian Overseas Bank 2 0 Oriental Bank of Commerce 1 0 Punjab & Sind Bank 1 1 Punjab National Bank 1 0 State Bank of India 23 0 Syndicate Bank 2 0 Union Bank of India 2 0 United Bank of India 25 7 UCO Bank 10 0 Vijaya Bank 1 0 AXIS BANK 2 0 Bandhan Bank 9 0 HDFC 1 0 ICICI 3 0 Indusind Bank 1 0 Tripura Gramin Bank TSCB TOTAL

50 Flow of Credit to MSME The position of credit disbursement to MSME sector against the Annual Credit Plan for the State of Tripura for last 5 years is as under: Amt. Rs. In Crore Sl. Plan Year Target Achievement % of Achievement (Up To June 2016) (Up To June 2017) Growth over last year The disbursement made during the period April 2017-June 2017 is Rs crore i.e. 28% of the Annual Target, thus recording an increase of 14% over the disbursement of Rs crore made during the corresponding period last year ( ). Agency wise achievement Status of MSE / MSME under ACP in Tripura Status reports of last 5 Years is as under Amt. Rs. In Crore Plan Year Parameter Commercial Banks RRB Co-Operatives Others Total Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Target (Up to June Achievement ) % of Achv Details of achievement of MSME under ACP (Up to June 2017) are furnished in the Annexure. 45

51 Share of Banks in achievement of ACP under MSME up to Amt. Rs. In Crore Bank Name Actual Achievement % of Share State bank of India Bank of India United Bank of India Canara Bank UCO Bank Central Bank of India Union Bank of India Pvt. Sector Banks Tripura Gramin Bank Cooperative Banks Other Banks TOTAL Share of Banks in achievement of ACP under MSME up to Cooperative Banks 3% Tripura Gramin Bank 15% Other Banks 4% Pvt. Sector Banks 44% State bank of India 11% Bank of India 9% United Bank of India 10% Canara Bank 1% Union Bank of India 1% Central Bank of India 1% UCO Bank 1% 46

52 Sl.No. Bank - wise Targets and Achievement in MSE/MSME for for the State of Tripura under ACP as on June' 2017 Amt. Rs. In Lakhs BANKS (As on June'16) Target(T) Achievement(A) A as % o f T (As on June'17) Target(T) Achievement (A) A as % o f T Allahabad Bank Andhra Bank Bank of Baroda Bank of Maharashtra Bank of India Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Bharatiya Mahila Bank Indian Overseas Bank Punjab National Bank Punjab & Sind Bank State Bank of India Syndicate Bank Oriental Bank of Commerce United Bank of India Union Bank of India UCO Bank Vijaya Bank A ACP PUBLIC sec Bank AXIS BANK Bandhan Bank HDFC ICICI Bank IDFC Bank Indusind Bank South Indian Bank Yes Bank Federal Bank Kotak Mahindra Bank Ltd B ACP PRIVATE Sec bank Tripura Gramin Bank C ACP RRB ACUB TCARDB TSCB D ACP Coop. Bank GRAND TOTAL

53 Flow of credit to Other Priority Sectors The position of credit disbursement to Other Priority Sectors against the Annual Credit Plan for the State of Tripura for last 5 years is given below- Amt. Rs. In Crore Sl. Plan Year Target Achievement % of Achievement (Up to June 2016) (Up to June 2017) Growth over last year 12% -58% - All banks disbursed Rs crore during the period April June 2017 against the disbursement of Rs crore made during the corresponding period of last year ( ). Agency wise achievement Status of OTHER PRIORITY SECTORS(OPS) under ACP in Tripura Status reports of last 5 Years is as under Amt. Rs. In Crore Commercial Plan Year Parameter RRB Co-Operatives Others Total Banks (Up to June 2017) Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Details of achievement of Other Priority Sectors(OPS) under ACP up to June 2017 are furnished in the Annexure. 48

54 Share of Banks in achievement of ACP under OTHER PRIORITY SECTORS up to Amt. Rs. In Crore Bank Name Actual Achievement % of Share State bank of India Bank of India United Bank of India Canara Bank UCO Bank Central Bank of India Union Bank of India Pvt. Sector Banks Tripura Gramin Bank Cooperative Banks Other Banks TOTAL Share of Banks in achievement of ACP under OTHER PRIORITY SECTORS up to Cooperative Banks 7% Other Banks 5% Tripura Gramin Bank 35% State bank of India 22% Bank of India 3% United Bank of India 19% Union Bank of India 2% Pvt. Sector Banks 1% UCO Bank 2% Canara Bank 2% Central Bank of India 2% 49

55 Bank - wise Targets and Achievement in OTHER PRIORITY SECTORS for for the State of Tripura under ACP as on June'2017 Amt. Rs. In Lakhs Sl.No. BANKS (As on June'16) (As on June'17) Target(T) Achievement(A) A as % o f T Target(T) Achievement(A) A as % o f T Allahabad Bank Andhra Bank Bank of Baroda Bank of Maharashtra Bank of India Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Bharatiya Mahila Bank Indian Overseas Bank Punjab National Bank Punjab & Sind Bank State Bank of India Syndicate Bank Oriental Bank of Commerce United Bank of India Union Bank of India UCO Bank Vijaya Bank A ACP PUBLIC sec Bank AXIS BANK Bandhan Bank HDFC ICICI Bank IDFC Bank Indusind Bank South Indian Bank Yes Bank Federal Bank Kotak Mahindra Bank Ltd B ACP PRIVATE Sec bank Tripura Gramin Bank C ACP RRB ACUB TCARDB TSCB D ACP Coop. Bank GRAND TOTAL

56 Share of Banks in achievement of ACP under PRIORITY SECTOR up to Amt. Rs. In Crore Bank Name Actual Achievement % of Share State bank of India Bank of India United Bank of India Canara Bank UCO Bank Central Bank of India Union Bank of India Pvt. Sector Banks Tripura Gramin Bank Cooperative Banks Other Banks TOTAL Share of Banks in achievement of ACP under PRIORITY SECTOR up to Other Banks 2% Cooperative Banks 21% State bank of India 12% Bank of India 4% Tripura Gramin Bank 21% United Bank of India 11% Pvt. Sector Banks 26% Union Bank of India 1% UCO Bank 1% Canara Bank 1% Central Bank of India 0% 51

57 Agenda No.- 7 Issuance of KCC during the year Action Points emerged in the 121 st SLBC Meeting held on All Banks are to exert efforts to issue KCCs to all eligible farmers within (Action: All Banks and Agriculture Department). Status of implementation KCCs (Including Renewal) sanctioned by Banks amounting to Rs Crores during April-June of FY , thereby achieving 27.33% of the Annual Target. Apart from Crop loans, numbers of Term loans have been issued amounting to Rs Crores. Action Points emerged in the 121 st SLBC Meeting held on Bankers to prepare District wise and Branch wise dormant KCC list for onward submission to the Agriculture Department of the State Government within 30 th June 2017 to kick start the Campaign. (Action: All Banks) Status of implementation Banks have already started submission of list of Dormant KCCs to Agriculture Department. Rest of the Banks are requested to complete the task at the earliest to kick start the campaign. Performance of KCC in the last three years is given below: (Amt. Rs in lacs) Quarter Year Target Issued No. Amt. % of Achievement. March March June Bank-wise performance under KCC as on has been shown in the Annexure. 52

58 TRIPURA STATE Performance of Banks in Crop Loan & Term Loan to Agriculture during the year as on (Amt in Lacs) Sl.No. BANKS Crop Term Loan Total A/c. Amt. A/c. Amt. A/c. Amt Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank A Sub Total of Public Sec. Bank , AXIS BANK Bandhan Bank Federal Bank HDFC ICICI IDFC Bank Indusind Bank Kotak Mahindra Bank SOUTH INDIAN BANK YES Bank B Sub Total of Pvt. Sec. Bank Tripura Gramin Bank C Sub Total of RRB , ACUB TCARDB TSCB D Sub Total of Coop.Banks , GRAND TOTAL ,

59 TRIPURA STATE Agenda Item No-7 BANK-WISE POSITION IN IMPLEMENTATION OF ISSUING KCCs FOR THE STATE OF TRIPURA DURING THE YEAR AS ON Amount in Lacs Sl.No. BANKS Target Proposals sanctioned Proposal Renew ed Proposal disbursed Outstanding No. No. Amt. No. Amt. No. Amt. No. Amt Allahabad Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Axis Bank Bandhan Bank Federal Bank HDFC ICICI Indusind Bank South Indian Bank Tripura Gramin Bank TSCB TOTAL

60 Pradhan Mantri Fasal Bima Yojana (PMFBY): Action Points emerged in the 121 st SLBC Meeting held on Implementation of PMFBY should be of top most priorities and the scheme should be executed for all loanee and non loanee farmers in the State.(Action : All Banks) Status of implementation For Kharif 2017, Royal Sundaram General Insurance Co. Ltd. has been assigned as the Insurance partner for Tripura. With the joint efforts of the State Govt. and Insurance Company, Banks have covered 944 Loanee farmers under PMFBY during Kharif Performance of Banks in the State:- As on Amt: Rs in Actuals Sl. Bank Cases Premium Amt. 1 Canara Bank 2 Central Bank of India 3 Indian Overseas Bank 4 United Bank of India UCO Bank A Sub Total of Public Sec. Bank B Sub Total of Pvt. Sec. Bank Tripura Gramin Bank C Sub Total of RRB TSCB D Sub Total of Coop.Banks GRAND TOTAL In addition, 300 Non loanee farmers have been covered under PMFBY Kharif 2017 with premium amount of Rs. 15 Lakhs. Action Points emerged in the 121 st SLBC Meeting held on All Banks to distribute Acknowledgement Receipts and Folio cards to all Loanee and Non-Loanee farmers covered under PMFBY(Action : All Banks) Status of implementation Banks are once again requested to distribute Acknowledgement Receipts and Folio cards to all farmers covered under PMFBY subject to receipt of the same from the Insurance Agency(Royal Sundaram General Insurance Co. Ltd.). 55

61 SELF HELP GROUPS Agenda No.- 8 TRIPURA STATE Agenda Item No.12 Sl.No. Name of the Bank Deposit Linkage cumulative SELF HELP GROUP Position as on Under SHG (NRLM+NERLP+WSHG) Credit linkage Direct SHG (Amt. in Rs./Lacs) Total No. Amt. Nos. Amt. Nos. Amt. Nos. Amt. Outstanding as on No Amt UBI SBI TGB TSCB UCO P & SB CBI BOI IDBI BOB TOTAL : NULM For the year , no proposals have been sponsored by the Urban Local Bodies. Action Points emerged in the 121 st SLBC Meeting held on To ensure implementation of CBRM Mechanism by the rural Branches and hold meeting on monthly basis.(action : All Banks) Status of implementation The Rural Bank Branches are conducting meetings and Banks are once again requested to monitor the implementation of the CBRM mechanism at the Branch level to improve recovery position in the rural areas. 56

62 TRIPURA STATE Agenda Item No.8 SELF HELP GROUP Position as on NERLP (Rs. in Lakhs) Deposit Linkage Capacity RF/ Credit Linked No. of Sl. District No. of Amt. Building No. No. Amt. Federations 1 West Sepahijala Khowai North Unakoti TOTAL NRLM (Rs. in Lakhs) Deposit Linkage Capacity RF/ Credit Linked No. of Sl. District No. of Amt. Building No. No. Amt. Federations 1 Gomati South Dhalai TOTAL W-SHG(Women-SHG) West Tripura Sl. Name of Deposit Linkage Capacity RF/ Credit Linked No. of Bank No. of Amt. Building (No. No. Amt. Federations 1 UBI SBI TGB CBI TOTAL W-SHG(Women-SHG) Dhalai Sl. Name of Deposit Linkage Capacity RF/ Credit Linked No. of Bank No. of Amt. Building No. No. Amt. Federations 1 UBI SBI TGB TOTAL W-SHG(Women-SHG) Unakoti Tripura (Amt. in Rs./Lacs) (Rs. in Lakhs) (Rs. in Lakhs) (Rs. in Lakhs) Sl. Name of Deposit Linkage Capacity RF/ Credit Linked No. of Bank No. of Amt. Building (No. No. Amt. Federations 1 UBI SBI TGB UCO TSCB IOB BANDHAN CANARA CBI TOTAL GRAND TOTAL

63 Recovery Performance of Banks As on Agenda Item No. 9 The recovery mechanism is also not functioning properly and the NPAs are rising more or less in all banks. Some of the reasons could be as under: Diversion of fund. Joint Recovery camps with active involvement of State Govt. Representatives are not being held frequently. Inadequate follow- up and personal contact with the borrowers. Un-remunerative price of Agricultural produce. Marketing facility is inadequate for industrial products. A good number of borrowers do not repay their loans willfully. Two Debt Waiver schemes have left negative image in the minds of borrowers who used to be paymasters earlier. Recovery process through legal recourse is time consuming. Recovery percentage under Public Demand Recovery Act is very poor. In enforcing recovery through SARFAESI act, more proactive support of State Govt. is necessary. The house may discuss these issues and suggest corrective measures for implementation. Sector wise recovery Overall recovery percentage in respect of three broad sectors, viz., Agriculture, MSME and Other Prisec. as on stands at 58%. A comparative table relating to June 2017 with that of June 2016 is produced below: Rs/ Lacs Sector June 2016 June 2017 Demand Recovery % Demand Recovery % Agriculture & allied MSME Other Prisec TOTAL Scheme wise recovery as on Comparative position of some selected schemes is given below: Rs/ Lacs Sector June 2016 June 2017 Demand Recovery % Demand Recovery % SJSRY SGSY REGP(MMS) PMRY PMEGP

64 Sl.No. Name of Bank BANK-WISE & SECTOR-WISE RECOVERY PERFORMANCE AS ON Agri. & Allied activities Demand Recovery Recovery % MSME Other Priority Sector Total Sector Demand Recovery Recover y % Demand Recovery Recover y % AGENDA ITEM NO.9 Demand Recovery Recovery % Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Indian Bank IDBI BANK Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank A Sub Total of Public Sec Bank AXIS BANK Federal Bank HDFC ICICI Indusind Bank Kotak Mahindra Bank SOUTH INDIAN BANK YES Bank B Sub Total of Pvt. Sec. Bank Tripura Gramin Bank C Sub Total of RRB ACUB TCARDB TSCB D Sub Total of Coop.Banks Grand Total

65 TRIPURA STATE Agenda Item No-9 Sl No. BANKS BANK-WISE & GOVERNMENT PROGRAMME-WISE RECOVERY PERFORMANCE AS ON PMRY Total Outg. Demand Recovery Total Overdue Total Outg. Demand Recover y Total Overdue Total Outg. No. Amt. No. Amt. No. Amt. ( Amount in Lacs) SJSRY Demand Recove ry Total Overdue 1 A.B Andhra Bank BOB BOI Canara CBI Corporation IB IDBI IOB P&SB SBI UCO UB UBI VB HDFC AXIS BANK PNB ICICI Syndicate BOM OBC A ASCB excl.rrb TGB Sub B ASCB incl RRB ACUBSub TCARDB TSCB C Coop. Bank Sub Total GRAND TOTAL SGSY 60

66 TRIPURA STATE Agenda Item No-9 Sl No. BANKS BANK-WISE & GOVERNMENT PROGRAMME-WISE RECOVERY PERFORMANCE AS ON TRANSPORT OPERATOR Total Outg. Demand Recover y Total Overdu Total Outg. Deman d Recovery Total Overdue Total Outg. No. Amt. No. Amt. No. Amt. ( Amount in Lacs) KVIC(MMS) Demand Recover y Total Overdue A.B Andhra Bank BOB BOI Canara CBI Coprporation IB IDBI IOB P&SB SBI UCO UB UBI VB HDFC AXIS BANK PNB ICICI Syndicate BOM 23 OBC A ASCB excl.rrb TGB B ASCB incl RRB ACUBSub TCARDB TSCB C Coop. Bank Sub Total GRAND TOTAL SUME 61

67 TRIPURA STATE Agenda Item No- 9 Sl No. BANKS Total Outg. Deman d Recover y Total Overdue Total Outg. Demand Recovery Total Overdue Total Outg. No. Amt. No. Amt. No. Amt. Demand Recovery Total Overdue A.B Andhra Bank BOB BOI Canara CBI Coprporation IB IDBI IOB P&SB SBI UCO UB UBI VB HDFC AXIS BANK PNB ICICI Syndicate Bank BOM OBC A ASCB excl.rrb Sub TGB Total B ASCB incl. RRB Sub ACUBTotal C BANK-WISE & GOVERNMENT PROGRAMME-WISE RECOVERY PERFORMANCE AS ON SEEUY ( Amount in Lacs) SWAVALAMBAN 26 TCARDB TSCB Coop. Bank Sub Total Grand Total PMEGP

68 TRIPURA STATE Agenda Item No-9 Sl No. BANKS Total Outg. Dema nd Recover y Total Overd Total Outg. Demand Recover y Total Overdue Total Outg. No. Amt. No. Amt. No. Amt. Demand Recovery ( Amount in Lacs) Total Overdue 1 A.B Andhra Bank BOB BOI Canara CBI Coprporation IB IDBI IOB P&SB SBI UCO UB UBI VB HDFC 18 AXIS BANK PNB ICICI Syndicate Bank BOM 23 OBC A ASCB excl.rrb TGB Sub B ASCB incl RRB ACUBSub Total TCARDB TSCB C Coop. Bank Sub Total GRAND TOTAL BANK-WISE & GOVERNMENT PROGRAMME-WISE RECOVERY PERFORMANCE AS ON D.R.I. SHG IRDP 63

69 Tripura State Agenda Item No. 9 Joint recovery drive conducted with the involvement of Govt. Authorities during the year ( As on ) Sl.No. Name of Bank No of recovery drives conducted (Amt. in Lakhs) Recovery made up to No. No. Amt Allahabad Bank Bank of Baroda Bank of India Canara Bank Central Bank of India Indian Bank Indian Overseas Bank Punjab & Sind Bank State Bank of India UCO Bank Union Bank of India United Bank of India Vijaya Bank Punjab National Bank Tripura Gramin Bank Agartala Urban Coop.Bank Tripura Coop.Agri.Rural Dev.Bank Tripura State Coop.Bank TOTAL :

70 Public Demand Recovery(PDR) PDR certificate cases as on As on (Rs / Lacs) Cases pending Recovery made during the current year. No. Amt. No. Amt Bank wise position of Certificate cases (PDR Act) as on is furnished in the annexure. Sl.No. Name of the Bank Tripura State Cases pending Agenda Item No. 9 Statement showing the filing and disposal of cases under PDR up to (Rs.in Lak hs) Recovery made during Current Year No. Amt. No. Amt Allahabad Bank Andhra Bank Bank of Baroda Bank of India Canara Bank Central Bank of India Indian Bank Indian Overseas Bank Punjab & Sind Bank State Bank of India Uco Bank Union Bank of India United Bank of India Vijaya Bank Punjab National Bank Tripura Gramin Bank Agartala Urban Coop. Bank Tripura Coop.Agri & Rural Dev.Bank Tripura State Coop. Bank TOTAL :

71 Agenda Item No POSITION OF NPA OF BANKS IN THE STATE OF TRIPURA As on Rs. In Crores. Year Gross Advance Gross NPA Amount Amount % to Gross NPA March March March March March March March March June Percentage of gross NPA increased from 5.64% as on March 2017 to 5.65% as on June Amount in absolute terms increased to Rs crore as on 30 th June 2017 from Rs crore as on March The outstanding amount under Written Off A/Cs (Shadow Register) is around Rs crore which if added with the outstanding NPA, the total amount would be Rs crore which is 6.35% of the gross advance and seems to be high. NPA Position and amount outstanding in Shadow Register of Banks in Tripura as on is furnished in the Annexure. 66

72 TRIPURA STATE NPA Position of Banks in Tripura as on Agenda item No. 10 (Amt. in lacs) Sl No Name of Bank Agriculture MSME OPS Total Prisec Non- Prisec Total NPA Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Indian Bank IDBI BANK Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank A Sub-Total PUBLIC sec Bank AXIS BANK Bandhan Bank Federal Bank HDFC ICICI IDFC Indusind Bank Kotak Mahindra Bank ltd South Indian Bank YES Bank B Sub Total Pvt. Sec Bank TGB C Sub Total RRB ACUB TCARDB TSCB D Sub-Total Coop. Bank GRAND TOTAL

73 Sl.No. BANKS TRIPURA STATE Position of Technically Written off A/Cs of Banks in Tripura as on ACs written off since inception Agenda Item No.10 Amount Outstanding No of A/Cs Amount No of A/Cs Amount Allahabad Bank Andhra Bank Bank of Baroda Bank of Maharashtra Bank of India Canara Bank Central Bank of India Indian Bank IDBI BANK Indian Overseas Bank Punjab & Sind Bank Punjab National bank State Bank of India Syndicate Bank UCO Bank United Bank of India Union Bank of India Vijaya Bank Oriental Bank of Commerce Corporation Bank A Sub-Total PUBLIC sec Bank AXIS BANK ICICI HDFC South Indian Bank INDUSIND YES Bank B Sub Total PRIVATE Sec bank Tripura Gramin Bank C Sub Total RRB ACUB TCARDB TSCB D Sub-Total Coop. Bank GRAND TOTAL

74 STATUS OF GOVT. SPONSORED SCHEMES & NPA GENERATED THEREOF PMRY PMEGP SWAVALAMBAN A/Cs Outstanding Outstd. Balance as on NPA A/Cs Amt. Outstd. As on A/Cs Outstand ing Outstd. Balance as on NPA A/Cs Amt. Outstd. As on A/Cs Outstanding Outstd. Balance as on NPA A/Cs Amt. Outstd. As on Allahabad Bank Andhra Bank Bank of Baroda Bank of Maharastra Bank of India Canara Bank Central Bank of India CORPORATION BANK Dena Bank Indian Bank IDBI BANK IOB PNB P&SB SBI SYNDICATE BANK OBC United Bank of India Union Bank of Inida UCO Bank Vijaya Bank ASCB of PSBs Sub-Total AXIS BANK HDFC BANK ICICI INDUSIND BANK 26 SOUTH INDIAN BANK 27 Yes Bank 28 Federal Bank 29 Kotak Mahindra ASCB of Pvt s Sub-Total TGB TGBs Sub-Total ACUB 32 TCARDB 33 TSCB Ltd ASCB ofcoop Sub-Total GRAND TOTAL

75 Agenda Item N0: 11 Performance of Banks in key areas as on June 2017 compared to June 2016 & March 2017 Parameters June 2016 March 2017 June 2017 (Amt. Rs in Crore) Variation over June 2016 Amount % of increase Deposit Advance CD Ratio Investments (C+I)D Ratio with Inv RIDF* CD Ratio with RIDF # Govt. fund lying with Banks CD ratio without Govt. Fund Credit in flow from outside the state CD Ratio including Govt. Deposit with Credit inflow CD ratio excluding Govt. Dep including credit inflow -4 Priority Sector Credit (PSC) % of PSC to ANBC * Sectoral deployment of PSC: 1. Agriculture % of Agriculture Adv. to ANBC MSME Other Prisec PSC to major sub-sectors: (i)weaker section % of weaker section credit to ANBC II) SC III) ST IV) Women Entrepreneur % of women credit to ANBC V) Minority Community % to Total Prisec Advance ANBC= Adjusted Net Bank Credit,(ANBC as on June 2016 Rs crore). 2 70

76 TRIPURA STATE Agenda item No. 11 BANK-WISE & POPULATION GROUP-WISE BRANCH NETWORK AND DEPOSIT AS ON ( Amt in lakh) Sl BANKS NO. OF BRANCHES DEPOSITS No Rural Semi urban Urban Total Rural Semi Urban Urban TOTAL Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank A Sub Total of Public Sec. Bank AXIS BANK Bandhan Bank Federal Bank HDFC ICICI IDFC Bank Indusind Bank Kotak Mahindra Bank South Indian Bank YES Bank B Sub Total of Pvt. Sec. Bank Tripura Gramin Bank C Sub Total of RRB ACUB TCARDB TSCB D Sub Total of Coop.Banks GRAND TOTAL

77 TRIPURA STATE Agenda item No. 11 BANK-WISE & POPULATION GROUP-WISE ADVANCE AND CD RATIO AS ON Amt. in lakh Sl BANKS ADVANCES CREDIT DEPOSIT RATIO (%) Investment Credit + Investment No. Rural Semi urban Urban TOTAL Rural Semi urban Urban Total Deposit Ratio (%) Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank A Sub Total of Public Sec. Bank AXIS BANK Bandhan Bank Federal Bank HDFC ICICI IDFC Bank Indusind Bank Kotak Mahindra Bank South Indian Bank YES Bank B Sub Total of Pvt. Sec. Bank Tripura Gramin Bank C Sub Total of RRB ACUB TCARDB TSCB D Sub Total of Coop.Banks GRAND TOTAL TOTAL RESOURCES SUPPORT PROVIDED TO STATE UNDER RIDF: C.D. Ratio With RIDF 45 72

78 TRIPURA STATE Agenda Item No. 11 BANK-WISE PERFORMANCE IN LENDING TO PRIORITY SECTORS AND KEY CATEGORIES AS ON (Amt. in lacs) Sl.No. BANKS Agril & Allied MSME OTHER PRISEC Total PRISEC TFA as PS Cr. As Total Finance % of % to ANBC A/c. Amt. A/c. Amt. A/c. Amt. A/c. Amt. ANBC Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank A Sub Total of Public Sec. Bank AXIS BANK Bandhan Bank Federal Bank HDFC ICICI IDFC Bank Indusind Bank Kotak Mahindra Bank SOUTH INDIAN BANK YES Bank B Sub Total of Pvt. Sec. Bank Tripura Gramin Bank C Sub Total of RRB ACUB TCARDB TSCB D Sub Total of Coop.Banks GRAND TOTAL TFA : Total Finance to Agriculture. P.S. Cr. : Priority Sector Credit 73

79 Sl.No. BANKS TRIPURA STATE Agenda Item No. 11 BANK-WISE PERFORMANCE IN LENDING TO PRIORITY SECTORS AND KEY CATEGORIES AS ON Advances for SC Advance for ST Advance for OBC Advances to Weaker Section A dvanc es to Weaker Sectio n as % o f ANBC Advance for Women Entrepreneurs Advance for Minority Community (Amt. in Lakhs) Advance to Physically handicapped A/c. Amt. A/c. Amt. A/c. Amt. A/c. Amt. % A/c. Amt. A/c. Amt. A/c. Amt Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank A Sub Total of Public Sec. Bank AXIS BANK Bandhan Bank Federal Bank HDFC Bank ICICI Bank IDFC Bank Indusind Bank Kotak Mahindra Bank SOUTH INDIAN BANK YES Bank B Sub Total of Pvt. Sec. Bank Tripura Gramin Bank C Sub Total of RRB ACUB TCARDB TSCB D Sub Total of Coop.Banks GRAND TOTAL

80 Sl. No Quarterly Statement on Priority Sector Advances and Sectoral Deployment of Credit Adjusted Net Bank Credit (ANBC) as on the corresponding date of the preceding year Credit Equivalent of Off Balance sheet Exposures (CEOBE) as on the corresponding date of the preceding year Categories No. of A/cs Amount disbursed Number of Accounts in absolute terms and Amount in Lakhs Disbursements during the Quarter (April to June) Outstanding at the end of the Quarter(April to June) No. of A/cs No.of beneficiaries Balance O/s 1 Priority Sector ######## I Agriculture (i) Crop Loans (ii) Investment Credit Out of (ii) above, loans for agriculture implements & machinery (iii) Allied Activities (a) Fisheries (b) Dairying (c) Poultry (d) Animal Husbandry (e) Bee keeping (f) Sericulture (g) Others Out of Agriculture, loans to small and marginal farmers Out of Agriculture, loans to other individual farmers Out of Agriculture, loans to corporate farmers, farmers' producer organizations/companies of individual farmers, partnership firms and co-operatives of farmers directly engaged in Agriculture and Allied Activities Out of Agriculture, above loans to Food & Agroprocessing II MSMEs (i) Micro Enterprises (a) Manufacturing Enterprises (b) Service Enterprises (ii) Small Enterprises (a) Manufacturing Enterprises (b) Service Enterprises (iii) Medium Enterprises (a) Manufacturing Enterprises (b) Service Enterprises (iv) Advances to KVI (v) Other Finance to MSMEs III Export Credit IV Education V VI VII Housing Renewable Energy Social Infrastructure VIII 'Others' category under Priority Sector Loans to Weaker Sections under Priority Sector Non-Priority Sector Loans I Agriculture II MSME (Service) (i) Micro Enterprises (Service) (ii) Small Enterprises (Service) (iii) Medium Enterprises (Service) III Education Loans IV Housing Loans V Personal Loans under Non-Priority Sector VI Other Non-Priority Sector Loans Total Loans

81 Regional imbalances in deployment of credit to various sectors of the economy: Credit off take in Tripura is generally at a lower side compared to the other States of the country. The CD ratio of the State during last two- three years has moved both ways in the range of 30% to 45% and as on it stands at 44%. The State had achieved the target under ACP (102%), ACP (113%), ACP (114%), ACP (99%) ACP (98%), ACP (94%), ACP (123%), ACP (116%), ACP (124%), ACP (125%) and ACP (27%)[Up To June 2017] resulting in growth of advances. Yet the CD ratio is not up to the mark. The reasons could be as under: i. Relatively faster growth in deposits. ii. Scope of big Industrial Advance is limited. iii. Being a landlocked State, cannot go all out to market its products in the other parts of the country. iv. Contribution of Traditional sector towards total advance of the State is much lower in comparison to other States. v. Priority sector being the principal sector where credit flow has limited absorption capacity. vi. Non-availability of adequate irrigation facility is one of the limiting factors of low credit off take in the State. In Tripura (W) district where CD ratio is the lowest in the State, one Sub-committee under DCC is reviewing in each DCC meeting and action points are taken to push up the CD ratio of the District. 76

82 EMPLOYMENT GENERATION SCHEMES Agenda Item No 12 Scheme-wise performance under Employment Generation Scheme by all Banks for and (as on ) is given below: (Rs/ lac) Scheme Prog. Year Target Spon. Sanctioned Disbursed No No No Amt No Amt PMEGP June June SWAVALAMBAN June June PMEGP As at the end of June 2017, for the FY , 4100 PMEGP cases were sponsored to the bank branches, out of which 1569 cases were sanctioned amounting to Rs Crore and disbursements were made in 1569 cases with amount of Rs Crore. Also, at the end of June 2017, for the FY , 1257 PMEGP cases were sponsored to the bank branches, out of which 6 cases were sanctioned amounting to Rs Crore. Bankers are requested to select beneficiaries under different Govt. sponsored schemes before the 30 th of November 2017 due to application of Model Code of Conduct related to ensuing State Assembly elections. SWABALAMBAN 6250 Swabalamban proposals were sponsored to the bank branches for FY Banks sanctioned 3057 proposals with an amount of Rs Crore against the target of 4000 and disbursements were made in 1895 cases with an amount of Rs Crore. For FY , 5185 cases have been sponsored against the target of Banks have sanctioned 7 cases amounting to Rs Crore as on June Banks are requested to place the latest position of disbursement in the meeting. 77

83 TRIPURA STATE PERFORMANCE UNDER PMEGP FOR THE FINANCIAL YEAR and AS ON Agenda No-12 Achievement for the Financial Year Achievement for the Financial Year Target Sponsored Sanctioned Disbursed Target Sponsored Sanctioned Disbursed Sl.No. NAME OF THE BANKS No No Amt No Amt No Amt No No Amt No Amt No Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Indian Bank IDBI BANK Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank A Sub Total of Public Sec. Bank AXIS BANK Bandhan Bank Federal Bank HDFC ICICI Indusind Bank Kotak Mahindra Bank SOUTH INDIAN BANK YES Bank B Sub Total of Pvt. Sec. Bank Tripura Gramin Bank C Sub Total of RRB ACUB TCARDB TSCB D Sub Total of Coop.Banks GRAND TOTAL

84 Tripura State BANK-WISE POSITION IN IMPLEMENTATION OF SWABALAMBAN FOR THE STATE OF TRIPURA FOR THE PROGRAMME YEAR and AS ON Achievement for the Financial Year Sl No Name of Bank Target Sponsored Sanctioned Disbursed ( Amt in Lacs.) Achievement for the Financial Year Target Sponsored Sanctioned Disbursed No No Amt No Amt No Amt No No Amt No Amt No Amt 1 Allahabad Bank Axis bank Bank of Baroda Bank of India Canara Bank Central Bank of India Dena Bank ICICI Bank IDBI Bank Indian Bank Indian Overseas Bank Indus Ind Bank Oriental Bank Of Comerce Punjab & Sind Bank Punjab Naional Bank Syndicate Bank State Bank of India Tripura Gramin Bank Tripura State Co-Op Bank Union Bank United Bank Of India UCO BANK Vijaya Bank HDFC Andhra Bank Bandhan Bank Corporation Bank Bharatiya Mahila Bank South Indian Bank Yes Bank Bank of Maharashtra TOTAL

85 TRIPURA STATE Agenda Item No-12 BANK-WISE POSITION IN IMPLEMENTATION OF MINI DAIRY FOR THE STATE OF TRIPURA DURING THE YEAR AS ON Proposals Sl.No. BANKS Received Proposals sanctioned Proposals disbursed No. No. Amt. No. Amt Central Bank of India BOI Canara Corporation IDBI Bank State Bank of India UCO Bank United Bank of India Vijaya Bank Tripura Gramin Bank Tripura State Co-operative Bank Bank of Baroda Union Bank Oriental Bank of Commerce ACUB PNB Syndicate Bank TOTAL

86 TRIPURA STATE Agenda Item No.12 Bank wise position in implementation of KCC(Fishery)/SCC for F.Y as on (Amt. in Lakhs) Sponsored Sanctioned Disbursed Rejected/ Returned Pending Sl No NAME OF THE BANK No Amt No Amt No Amt No No 1 AB 0 2 Andhra Bank 0 3 BOB 0 4 BOM 0 5 BOI 0 6 Canara Bank CBI 0 8 IB 0 9 IDBI BANK IOB 0 11 P&SB 0 12 PNB 0 13 SBI SYNDICATE 0 15 UCO UBI Union Bank 0 18 VB 0 19 OBC 0 20 Corporation 0 A Sub-Total PUBLIC sec Bank AXIS BANK 0 22 ICICI 0 23 HDFC 0 24 SOUTH INDIAN BANK 0 25 INDUSIND 0 26 YES Bank 0 B Sub Total PRIVATE Sec bank TGB C Sub Total RRB ACUB 0 29 TCARDB 0 30 TSCB D Sub-Total Coop. Bank GRAND TOTAL

87 Agenda item No. 13 Grant of Educational loans/housing loans/specialized Schemes/DRI Outstanding Credit as on Achievement under DRI by Banks up to June 2017: (Rs.in lac) Sl no Name of the Bank Sanctioned (17-18) Outstanding as on No Amount No Amount 1 UBI SBI Canara Bank UCO bank P & SB CBI IOB Syndicate Bank TOTAL Education Loan: The banks have been financing under Educational Loan Scheme since last years as per directives of the Govt. of India and recommendations of High Level Committee on Lead Bank Scheme. The progress under the scheme covering disbursement and total credit exposure are now being reviewed regularly. A report on progress made under Education Loan during the year up to June 2017 is annexed; the summary position is as under: Amt. Rs. In lac Balance outstanding as on Disbursement made during the year up to June Balance outstanding as on A/c Amount A/c Amount A/c Amount A new Central Sector Scheme of Interest Subsidy on Educational Loan taken by Students belonging to economically weaker sections to pursue technical/professional education in India is operative in the entire country. The State Govt. is requested to please see that the deserving students get income certificate without any hazard. The Bank wise Target and achievement of Education Loan for the financial year has been annexed. Reports on progress made under Housing Loan and other Specialized Schemes during the year as on 30 th June, are annexed. 82

88 TRIPURA STATE Agenda item No. 13 BANK-WISE PERFORMANCE UNDER EDUCATION LOAN FOR THE YEAR , AS ON ( Amt in Lacs.) No of No of Proposals PROPOSAL PROPOSAL Outstanding as on cases cases received SANCTIONED DISBURSED pending rejected SL NO BANKS No. NO Amt. No. Amt. No. No. No. Amt. 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Bharatiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank A Sub Total of Public Sec. Bank AXIS BANK Federal Bank HDFC ICICI Indusind Bank Kotak Mahindra Bank SOUTH INDIAN BANK YES Bank B Sub Total of Pvt. Sec. Bank Tripura Gramin Bank C Sub Total of RRB ACUB TCARDB TSCB D Sub Total of Coop.Banks GRAND TOTAL

89 Tripura State Agenda Item No-13 BANK-WISE PERFORMANCE IN FINANCING UNDER HOUSING SCHEME AS ON Amount in Lacs Sl. No. Name of the Banks Urban Semi-Urban Rural Total No. Amt. No. Amt. No. Amt. No. Amt Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Indian Bank IDBI BANK Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank A Sub-Total PUBLIC sec Bank AXIS BANK Bandhan Bank Federal Bank HDFC ICICI Indusind Bank Kotak Mahindra Bank ltd South Indian Bank YES Bank B Sub Total Pvt. Sec Bank TGB C Sub Total RRB ACUB TCARDB TSCB D Sub-Total Coop. Bank GRAND TOTAL

90 TRIPURA STATE Agenda Item No- 13 Sl. No. BANKS BANK-WISE DETAILS OF SPECIALISED SCHEME AS ON Amount in lakh Finance to Tea Sector Rural Housing Scheme Total outstanding New Loans granted Current year Total outstanding New loans granted Current Year No. Amount No. Amount No. Amount No. Amount 1 AB 2 BOI 3 CBI 4 CB 5 BOB IB 7 IOB 8 P&SB SBI UCO 11 UB UBI VB 14 PNB 15 TGB TSCB TCARDB 18 SYNDICATE 19 IDBI TOTAL :

91 SME financing & bottlenecks thereof, if any Agenda Item No. 14 Some of the problems that are being faced by the entrepreneurs of the State can be summarized as under: Reluctance of big industrial houses to set up their units in the northeast. Inadequate Research & Development facilities Inadequate level of computer based technology Limited spread of brand image Low productivity Inadequate infrastructure facilities Being a landlocked State transportation of products of the State to other part of the country is dependent on road connectivity only. Because of the distance, transportation cost is much higher in comparison to other States. The summary of SWOT analysis of Industries in the State could be as under: Strength : Abundance of natural resources and cheap labours. Political stability etc. Weakness : Inadequate Research & Development facilities, lack of proper system of identification of viable projects and activities and marketing bottlenecks. Opportunities : Cross border trading with Bangladesh and increasing domestic demand. Threat economy. : Relatively higher production cost and fast changes that are taking place in the The following measures suggested below may be considered for discussion with a view to combat the problems and to ameliorate the industrial situation in the State: To examine the issue of supply of power at a reasonable cost to entrepreneurs. To study the financial implication for compliance of pollution control norms. To promote the brand image of industries of the State. To create proper marketing and infrastructure facilities. To promote Research & Development activities for continuous development of product quality and cost efficiency to face competitions. Particulars of Flow of credit to MSE sector has been shown in Agenda Item IV. 86

92 Timely submission of data by banks: Agenda Item No. 15 Action Points emerged in the 121 st SLBC Meeting held on To ensure submission of data as per format and within stipulated time period (Action : SLBC Tripura) Status of Implementation 21 out of 35 Banks submitted the reports after the stipulated date. All Banks are once again requested to ensure submission of data within the stipulated time period. Timely submission of correct data by all banks/financial institutions is of prime importance for effective functioning of Lead Bank Scheme. Delayed submission of data comes in the way of timely holding of various meetings relating to Lead Bank Scheme. It also debars the convener bank/ lead bank to submit compiled data to RBI, NABARD and Central and State Governments on various items as and when asked for. All banks need to make a lot of improvement in this area. The issue has become more important in the context of RBI directives that SLBC meetings are to be held within 45 days of the end of the quarter. All Banks were requested to submit data within for compilation of Agenda Notes for 122 nd SLBC Meeting. The date of submission by the concerned banks is tabulated as follows:- Sl. Bank Date of Submission 1 ACUB Allahabad Bank Andhra Bank AXIS BANK Bandhan Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Federal Bank HDFC ICICI IDBI BANK IDFC Bank Indian Bank Indian Overseas Bank Indusind Bank Kotak Mahindra Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank South Indian Bank State Bank of India Syndicate Bank TCARDB Tripura Gramin Bank TSCB UCO Bank Union Bank of India United Bank of India Vijaya Bank YES Bank

93 Other Important Issues :- Govt. of Tripura has requested SLBC Tripura to discuss the issue in respect of formulating a new scheme to extend loan to the aspiring students to study B.Ed. Course in NCTE recognized institutions inside and outside of the State. The House may discuss the issue. 88

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96 FINANCIAL LITERACY/ AWARENESS CAM P ORGANISED BY THE RU RAL BRANCHES OF BANKS FOR THE QU ARTER ENDED JU NE '2017 TRIPU RA STATE Sl. District Block N ame of Bank N ame of Branch M onth Held On 1 Dhalai Manu Bank of India Dhumachherra Apr' Dhalai Salema Bandhan Bank Singinala Apr' Dhalai Durgachoumohani Indian Bank Durgachoumohani Apr' Dhalai Manu SBI Kanchancherra Apr' Dhalai Ambassa TGB Ambassa Apr' Dhalai Ambassa TGB Jawharnagar Apr' Dhalai Ambassa TGB Kachuchara Apr' Dhalai Ambassa TGB Kulai Apr' Dhalai Salema TGB Kamalpur Apr' Dhalai Manu TGB Manu Apr' Dhalai Manu TGB Nalkata (82 Miles) Apr' Dhalai Chaumanu TGB Chailengta Apr' Dhalai Damburnagar TGB Gandachherra Apr' Dhalai Damburnagar TGB Ganganagar Apr' Dhalai Durgachoumohani TGB Bamancherra Apr' Dhalai Chaumanu TGB Chaumanu Apr' Dhalai Salema TGB Abhanga Apr' Dhalai Chaumanu TSCB Choumanu Apr' Dhalai Chaumanu TSCB Chailengta Apr' Dhalai Damburnagar TSCB Gandachherra Apr' Dhalai Salema TSCB Moracherra Apr' Dhalai Ambassa TSCB Jawaharnagar Apr' Dhalai Ambassa UBI Sikaribari Apr' Dhalai Salema UBI Halhali Apr' Dhalai Salema UBI Kamalpur Apr' Dhalai Manu UBI Manu Apr' Dhalai Manu UBI Choumanu Apr' Dhalai Manu UBI Machli Apr' Dhalai Chaumanu UBI Chailengta Apr' Dhalai Damburnagar UCO Bank Gandachherra Apr' Dhalai Damburnagar UCO Bank Raishyabari Apr' Dhalai Manu Bank of India Dhumachherra May' Dhalai Salema Bandhan Bank Singinala May' Dhalai Durgachoumohani Indian Bank Durgachoumohani May' Dhalai Manu SBI Kanchancherra May' Dhalai Ambassa TGB Ambassa May' Dhalai Ambassa TGB Jawharnagar May' Dhalai Ambassa TGB Kachuchara May' Dhalai Ambassa TGB Kulai May' Dhalai Salema TGB Kamalpur May' Dhalai Manu TGB Manu May' Dhalai Chaumanu TGB Chailengta May' Dhalai Damburnagar TGB Gandachherra May' Dhalai Damburnagar TGB Ganganagar May' Dhalai Durgachoumohani TGB Bamancherra May' Dhalai Chaumanu TGB Chaumanu May' Dhalai Chaumanu TSCB Chailengta May' Dhalai Damburnagar TSCB Gandachherra May' Dhalai Salema TSCB Moracherra May' Dhalai Ambassa TSCB Jawaharnagar May' Dhalai Ambassa UBI Sikaribari May' Dhalai Salema UBI Halhali May' Dhalai Salema UBI Kamalpur May' Dhalai Manu UBI Manu May' Dhalai Manu UBI Machli May' Dhalai Chaumanu UBI Chailengta May' Dhalai Damburnagar UCO Bank Gandachherra May' Dhalai Damburnagar UCO Bank Raishyabari May' Dhalai Manu Bank of India Dhumachherra June' Dhalai Salema Bandhan Bank Singinala June' Dhalai Durgachoumohani Indian Bank Durgachoumohani June' Dhalai Manu SBI Kanchancherra June' Dhalai Ambassa TGB Ambassa June' Dhalai Ambassa TGB Jawharnagar June' Dhalai Ambassa TGB Kachuchara June' Dhalai Ambassa TGB Kulai June' Dhalai Salema TGB Kamalpur June' Dhalai Manu TGB Manu June' Dhalai Chaumanu TGB Chailengta June'

97 Sl. District Block N ame of Bank N ame of Branch M onth Held On 70 Dhalai Damburnagar TGB Gandachherra June' Dhalai Damburnagar TGB Ganganagar June' Dhalai Durgachoumohani TGB Bamancherra June' Dhalai Chaumanu TGB Chaumanu June' Dhalai Salema TGB Abhanga June' Dhalai Chaumanu TSCB Choumanu June' Dhalai Chaumanu TSCB Chailengta June' Dhalai Damburnagar TSCB Gandachherra June' Dhalai Ambassa TSCB Jawaharnagar June' Dhalai Ambassa UBI Sikaribari June' Dhalai Salema UBI Halhali June' Dhalai Salema UBI Kamalpur June' Dhalai Manu UBI Manu June' Dhalai Manu UBI Choumanu June' Dhalai Manu UBI Machli June' Dhalai Damburnagar UCO Bank Gandachherra June' Dhalai Damburnagar UCO Bank Raishyabari June' Gomati Kakraban Bank of Baroda Mirza Apr' Gomati Kakraban Bank of India Palatana Apr' Gomati Tepania SBI Gokulpur Apr' Gomati Amarpur Canara Bank Dalak Apr' Gomati Ompi IDBI Ompinagar Apr' Gomati Silachhari IDBI Ailmara Apr' Gomati Killa IDBI Killa Apr' Gomati Matabari SBI Garjee Apr' Gomati Kakraban SBI Palatana Apr' Gomati Matabari TGB Gokulpur Apr' Gomati Matabari TGB Maharani Apr' Gomati Matabari TGB Garjee Apr' Gomati Matabari TGB Bagma Apr' Gomati Killa TGB Killa Apr' Gomati Killa TGB Atharabhola Apr' Gomati Kakraban TGB Kakraban Apr' Gomati Kakraban TGB Tulamura Apr' Gomati Kakraban TGB Jamjuri Apr' Gomati Ompi TGB Ompinagar Apr' Gomati Ompi TGB Taidu Apr' Gomati Karbook TGB Karbook Apr' Gomati Silachhari TGB Silachhari Apr' Gomati Karbook TGB Chellagang Apr' Gomati Kakraban TGB Gangacherra Apr' Gomati Killa TSCB Killa Apr' Gomati Kakraban TSCB Salgarah Apr' Gomati Amarpur TSCB Nutanbazar Apr' Gomati Karbook TSCB Karbook Apr' Gomati Kakraban TSCB Mirza Apr' Gomati Kakraban UBI Karbook( Kakraban) Apr' Gomati Kakraban UBI Salgarah Apr' Gomati Amarpur UBI Nutanbazar Apr' Gomati Karbook UBI Jatanbari Apr' Gomati Kakraban Bank of Baroda Mirza May' Gomati Kakraban Bank of India Palatana May' Gomati Tepania SBI Gokulpur May' Gomati Amarpur Canara Bank Dalak May' Gomati Ompi IDBI Ompinagar May' Gomati Silachhari IDBI Ailmara May' Gomati Killa IDBI Killa May' Gomati Matabari SBI Garjee May' Gomati Kakraban SBI Palatana May' Gomati Matabari TGB Gokulpur May' Gomati Matabari TGB Maharani May' Gomati Matabari TGB Garjee May' Gomati Matabari TGB Bagma May' Gomati Killa TGB Killa May' Gomati Killa TGB Atharabhola May' Gomati Kakraban TGB Kakraban May' Gomati Kakraban TGB Jamjuri May' Gomati Ompi TGB Ompinagar May' Gomati Ompi TGB Taidu May'

98 Sl. District Block N ame of Bank N ame of Branch M onth Held On 139 Gomati Karbook TGB Karbook May' Gomati Silachhari TGB Silachhari May' Gomati Karbook TGB Chellagang May' Gomati Kakraban TGB Gangacherra May' Gomati Killa TSCB Killa May' Gomati Kakraban TSCB Salgarah May' Gomati Amarpur TSCB Nutanbazar May' Gomati Kakraban TSCB Mirza May' Gomati Kakraban UBI Karbook( Kakraban) May' Gomati Kakraban UBI Salgarah May' Gomati Amarpur UBI Nutanbazar May' Gomati Karbook UBI Jatanbari May' Gomati Kakraban Bank of India Palatana June' Gomati Tepania SBI Gokulpur June' Gomati Ompi IDBI Ompinagar June' Gomati Silachhari IDBI Ailmara June' Gomati Killa IDBI Killa June' Gomati Matabari SBI Garjee June' Gomati Matabari TGB Gokulpur June' Gomati Matabari TGB Maharani June' Gomati Matabari TGB Garjee June' Gomati Matabari TGB Bagma June' Gomati Killa TGB Killa June' Gomati Killa TGB Atharabhola June' Gomati Kakraban TGB Kakraban June' Gomati Kakraban TGB Tulamura June' Gomati Kakraban TGB Jamjuri June' Gomati Ompi TGB Ompinagar June' Gomati Ompi TGB Taidu June' Gomati Karbook TGB Karbook June' Gomati Karbook TGB Chellagang June' Gomati Kakraban TGB Gangacherra June' Gomati Killa TSCB Killa June' Gomati Kakraban TSCB Salgarah June' Gomati Amarpur TSCB Nutanbazar June' Gomati Karbook TSCB Karbook June' Gomati Kakraban TSCB Mirza June' Gomati Kakraban UBI Karbook( Kakraban) June' Gomati Amarpur UBI Nutanbazar June' Gomati Karbook UBI Jatanbari June' Khowai Teliamura Bandhan Bank Tuichindrai Apr' Khowai Padmabil Bandhan Bank Ramchandraghat Apr' Khowai Padmabil Allahabad Bank Chebri Apr' Khowai Teliamura ICICI Teliamura Apr' Khowai Teliamura SBI Teliamura Apr' Khowai Khowai TGB Chebri Apr' Khowai Teliamura TGB Moharcharra Apr' Khowai Padmabil TGB Ampura Apr' Khowai Padmabil TGB Padmabil Apr' Khowai Kalyanpur TGB Kalyanpur Apr' Khowai Mungiakami TGB Mungiakami Apr' Khowai Tulasikhar TGB Champahaur Apr' Khowai Tulasikhar TGB R S Bari Apr' Khowai Padmabil TGB Hathkata Apr' Khowai Teliamura TSCB Teliamura Apr' Khowai Teliamura TSCB Tuichindrai Apr' Khowai Padmabil TSCB Padmabil Apr' Khowai Tulasikhar TSCB Tulasikhar Apr' Khowai Khowai UBI Bachaibari Apr' Khowai Teliamura UBI Maharanipur Apr' Khowai Teliamura UBI Teliamura Apr' Khowai Teliamura Uco Bank Baganbazar Apr' Khowai Kalyanpur Uco Bank Kalyanpur Apr' Khowai Teliamura Bandhan Bank Tuichindrai May' Khowai Padmabil Bandhan Bank Ramchandraghat May' Khowai Padmabil Allahabad Bank Chebri May' Khowai Teliamura ICICI Teliamura May' Khowai Teliamura SBI Teliamura May'

99 Sl. District Block N ame of Bank N ame of Branch M onth Held On 207 Khowai Khowai TGB Chebri May' Khowai Teliamura TGB Moharcharra May' Khowai Padmabil TGB Ampura May' Khowai Padmabil TGB Padmabil May' Khowai Kalyanpur TGB Kalyanpur May' Khowai Mungiakami TGB Mungiakami May' Khowai Tulasikhar TGB Champahaur May' Khowai Tulasikhar TGB R S Bari May' Khowai Padmabil TGB Hathkata May' Khowai Teliamura TSCB Tuichindrai May' Khowai Padmabil TSCB Padmabil May' Khowai Tulasikhar TSCB Tulasikhar May' Khowai Khowai UBI Bachaibari May' Khowai Teliamura UBI Maharanipur May' Khowai Teliamura Uco Bank Baganbazar May' Khowai Kalyanpur Uco Bank Kalyanpur May' Khowai Teliamura Bandhan Bank Tuichindrai June' Khowai Padmabil Bandhan Bank Ramchandraghat June' Khowai Padmabil Allahabad Bank Chebri June' Khowai Teliamura ICICI Teliamura June' Khowai Teliamura SBI Teliamura June' Khowai Khowai TGB Chebri June' Khowai Padmabil TGB Ampura June' Khowai Padmabil TGB Padmabil June' Khowai Kalyanpur TGB Kalyanpur June' Khowai Tulasikhar TGB Champahaur June' Khowai Tulasikhar TGB R S Bari June' Khowai Teliamura TSCB Teliamura June' Khowai Teliamura TSCB Tuichindrai June' Khowai Padmabil TSCB Padmabil June' Khowai Khowai UBI Bachaibari June' Khowai Teliamura UBI Maharanipur June' Khowai Teliamura UBI Teliamura June' Khowai Teliamura Uco Bank Baganbazar June' Khowai Kalyanpur Uco Bank Kalyanpur June' North Tripura Kadamtala Bandhan Bank Fulbari Branch Apr' North Tripura Kadamtala SBI Churaibari Apr' North Tripura Dasda SBI Anandabazar Apr' North Tripura Panisagar SBI Uptakhali Apr' North Tripura Jubarajnagar SBI Ganganagar Apr' North Tripura Jubarajnagar SBI Baghbasa Apr' North Tripura Dasda SBI Kanchanpur Apr' North Tripura Panisagar SBI Panisagar Apr' North Tripura Dasda Syndicate bank Laljuri Apr' North Tripura Kadamtala Syndicate bank Kadamtala Apr' North Tripura Kadamtala TGB Rajbari Apr' North Tripura Kadamtala TGB Kadamtala Apr' North Tripura Kadamtala TGB Bhagyapur Apr' North Tripura Kadamtala TGB Sanicherra Apr' North Tripura Dasda TGB Dasda Apr' North Tripura Panisagar TGB Jalebassa Apr' North Tripura Panisagar TGB Tilthai Apr' North Tripura Damcherra TGB Damcherra Apr' North Tripura Damchhera TGB Khedaccherra Apr' North Tripura Jampui Hill TGB Hmunpui Apr' North Tripura Kadamtala TGB Hurua Apr' North Tripura Dasda TSCB Kanchanpur Apr' North Tripura Panisagar TSCB Panisagar Apr' North Tripura Dasda UBI Kanchanpur Apr' North Tripura Damcherra UBI Damcherra Apr' North Tripura Jampui Hill UBI Vanghmun Apr' North Tripura Panisagar UBI Panisagar Apr' North Tripura Kadamtala UCO Bank Chandrapur Apr' North Tripura Kadamtala Bandhan Bank Fulbari Branch May' North Tripura Kadamtala SBI Churaibari May' North Tripura Dasda SBI Anandabazar May' North Tripura Panisagar SBI Uptakhali May' North Tripura Jubarajnagar SBI Ganganagar May' North Tripura Jubarajnagar SBI Baghbasa May'

100 Sl. District Block N ame of Bank N ame of Branch M onth Held On 276 North Tripura Dasda SBI Kanchanpur May' North Tripura Panisagar SBI Panisagar May' North Tripura Kadamtala TGB Rajbari May' North Tripura Kadamtala TGB Kadamtala May' North Tripura Kadamtala TGB Bhagyapur May' North Tripura Kadamtala TGB Sanicherra May' North Tripura Dasda TGB Dasda May' North Tripura Panisagar TGB Tilthai May' North Tripura Damcherra TGB Damcherra May' North Tripura Damchhera TGB Khedaccherra May' North Tripura Jampui Hill TGB Hmunpui May' North Tripura Kadamtala TGB Hurua May' North Tripura Dasda TSCB Kanchanpur May' North Tripura Panisagar TSCB Panisagar May' North Tripura Dasda UBI Kanchanpur May' North Tripura Jampui Hill UBI Vanghmun May' North Tripura Panisagar UBI Panisagar May' North Tripura Kadamtala UCO Bank Chandrapur May' North Tripura Kadamtala Bandhan Bank Fulbari Branch June' North Tripura Kadamtala SBI Churaibari June' North Tripura Panisagar SBI Uptakhali June' North Tripura Jubarajnagar SBI Ganganagar June' North Tripura Jubarajnagar SBI Baghbasa June' North Tripura Dasda SBI Kanchanpur June' North Tripura Panisagar SBI Panisagar June' North Tripura Dasda Syndicate bank Laljuri June' North Tripura Kadamtala Syndicate bank Kadamtala June' North Tripura Kadamtala TGB Kadamtala June' North Tripura Kadamtala TGB Bhagyapur June' North Tripura Kadamtala TGB Sanicherra June' North Tripura Dasda TGB Dasda June' North Tripura Panisagar TGB Jalebassa June' North Tripura Panisagar TGB Tilthai June' North Tripura Damcherra TGB Damcherra June' North Tripura Damchhera TGB Khedaccherra June' North Tripura Jampui Hill TGB Hmunpui June' North Tripura Dasda TSCB Kanchanpur June' North Tripura Panisagar TSCB Panisagar June' North Tripura Dasda UBI Kanchanpur June' North Tripura Damcherra UBI Damcherra June' North Tripura Jampui Hill UBI Vanghmun June' North Tripura Panisagar UBI Panisagar June' North Tripura Kadamtala UCO Bank Chandrapur June' Sepahijala Bishalgarh Bandhan Bank Gokulnagar Apr' Sepahijala Kathalia Bandhan Bank Baspukur Apr' Sepahijala Jampuijala Punjab & Sind Bank Gabordi Apr' Sepahijala Melaghar Punjab National Bank Jumerdhepa Apr' Sepahijala Bishalgarh SBI Bishramganj Apr' Sepahijala Boxanagar SBI Matinagar Apr' Sepahijala Melaghar SBI Melaghar Apr' Sepahijala Charilam Syndicate Bank Bishramganj Apr' Sepahijala Bishalgarh TGB Bishramganj Apr' Sepahijala Bishalgarh TGB Lalsinghmura Apr' Sepahijala Bishalgarh TGB Madhupur Apr' Sepahijala Boxanagar TGB Boxanagar Apr' Sepahijala Boxanagar TGB Veluarchar Apr' Sepahijala Melaghar TGB Durlavnarayan Apr' Sepahijala Melaghar TGB Nalchar Apr' Sepahijala Jampuijala TGB Golaghati Apr' Sepahijala Jampuijala TGB Jampuijala Apr' Sepahijala Kathalia TGB Dhanpur Apr' Sepahijala Kathalia TGB Manai Pathar Apr' Sepahijala Kathalia TGB Kathalia Apr' Sepahijala Bishalgarh TSCB Charilam Apr' Sepahijala Jampuijala TSCB Takarjala Apr' Sepahijala Jampuijala TSCB Jampuijala Apr' Sepahijala Kathalia TSCB Kathalia Apr'

101 Sl. District Block N ame of Bank N ame of Branch M onth Held On 343 Sepahijala Nalchhar TSCB Nalchhar Apr' Sepahijala Bishalgarh UCO Bank Bishalgarh Apr' Sepahijala Bishalgarh UCO Bank Bishramganj Apr' Sepahijala Bishalgarh UBI Chakmaghat Apr' Sepahijala Boxanagar UBI Boxanagar Apr' Sepahijala Melaghar UBI Melaghar Apr' Sepahijala Melaghar UBI Mohanbhog Apr' Sepahijala Bishalgarh Bandhan Bank Gokulnagar May' Sepahijala Kathalia Bandhan Bank Baspukur May' Sepahijala Bishalgarh Bank of India Gokulnagar May' Sepahijala Jampuijala Punjab & Sind Bank Gabordi May' Sepahijala Melaghar Punjab National Bank Jumerdhepa May' Sepahijala Bishalgarh SBI Bishramganj May' Sepahijala Boxanagar SBI Matinagar May' Sepahijala Melaghar SBI Melaghar May' Sepahijala Charilam Syndicate Bank Bishramganj May' Sepahijala Bishalgarh TGB Bishramganj May' Sepahijala Bishalgarh TGB Madhupur May' Sepahijala Boxanagar TGB Boxanagar May' Sepahijala Boxanagar TGB Veluarchar May' Sepahijala Melaghar TGB Durlavnarayan May' Sepahijala Melaghar TGB Nalchar May' Sepahijala Jampuijala TGB Jampuijala May' Sepahijala Kathalia TGB Dhanpur May' Sepahijala Kathalia TGB Kathalia May' Sepahijala Jampuijala TSCB Takarjala May' Sepahijala Jampuijala TSCB Jampuijala May' Sepahijala Kathalia TSCB Kathalia May' Sepahijala Nalchhar TSCB Nalchhar May' Sepahijala Bishalgarh UCO Bank Bishalgarh May' Sepahijala Bishalgarh UCO Bank Bishramganj May' Sepahijala Bishalgarh UCO Bank Madhupur May' Sepahijala Boxanagar UBI Boxanagar May' Sepahijala Melaghar UBI Melaghar May' Sepahijala Melaghar UBI Mohanbhog May' Sepahijala Bishalgarh Bandhan Bank Gokulnagar June' Sepahijala Kathalia Bandhan Bank Baspukur June' Sepahijala Bishalgarh Bank of India Gokulnagar June' Sepahijala Melaghar Punjab National Bank Jumerdhepa June' Sepahijala Bishalgarh SBI Bishramganj June' Sepahijala Boxanagar SBI Matinagar June' Sepahijala Melaghar SBI Melaghar June' Sepahijala Charilam Syndicate Bank Bishramganj June' Sepahijala Bishalgarh TGB Bishramganj June' Sepahijala Bishalgarh TGB Madhupur June' Sepahijala Boxanagar TGB Boxanagar June' Sepahijala Boxanagar TGB Veluarchar June' Sepahijala Melaghar TGB Durlavnarayan June' Sepahijala Melaghar TGB Nalchar June' Sepahijala Jampuijala TGB Golaghati June' Sepahijala Jampuijala TGB Jampuijala June' Sepahijala Kathalia TGB Dhanpur June' Sepahijala Kathalia TGB Kathalia June' Sepahijala Bishalgarh TSCB Charilam June' Sepahijala Jampuijala TSCB Takarjala June' Sepahijala Jampuijala TSCB Jampuijala June' Sepahijala Kathalia TSCB Kathalia June' Sepahijala Nalchhar TSCB Nalchhar June' Sepahijala Bishalgarh UCO Bank Bishalgarh June' Sepahijala Bishalgarh UCO Bank Bishramganj June' Sepahijala Bishalgarh UCO Bank Madhupur June' Sepahijala Bishalgarh UBI Chakmaghat June' Sepahijala Boxanagar UBI Boxanagar June' Sepahijala Melaghar UBI Melaghar June' Sepahijala Melaghar UBI Mohanbhog June' South Tripura BC Nagar Bandhan Bank Bharatchandranagar Apr' South Tripura Satchand Bandhan Bank Jalefa Apr' South Tripura Rajnagar SBI Chittamara Apr' South Tripura Jolaibari SBI Jolaibari Apr' South Tripura Satchand. SBI Manubazar Apr'

102 Sl. District Block N ame of Bank N ame of Branch M onth Held On 413 South Tripura Hrishyamukh SBI Hrishyamukh Apr' South Tripura Rupaichhari SBI Manu Bankul Apr' South Tripura Rajnagar TGB Rajnagar Apr' South Tripura Hrishyamukh TGB Hrishyamukh Apr' South Tripura Hrishyamukh TGB Matai Apr' South Tripura Hrishyamukh TGB Sonaichhari Apr' South Tripura Bokafa TGB B.C.Nagar Apr' South Tripura Jolaibari TGB Baikhora Apr' South Tripura Jolaibari TGB Jolaibari Apr' South Tripura Jolaibari TGB Debdaru Apr' South Tripura Satchand. TGB Satchand Apr' South Tripura Satchand. TGB Manubazar Apr' South Tripura Satchand. TGB Sreenagar Apr' South Tripura Satchand. TGB Harina Apr' South Tripura Rupaichhari TGB Rupaichhari Apr' South Tripura Hrishyamukh TSCB Hrishyamukh Apr' South Tripura Jolaibari TSCB Baikhora Apr' South Tripura Satchand. TSCB Manubazar Apr' South Tripura Satchand. TSCB Kalachherra Apr' South Tripura Rajnagar UBI Siddhinagar Apr' South Tripura Bokafa UBI Santirbazar Apr' South Tripura Bharatchandra Nagar UBI Barpathari Apr' South Tripura Hrishyamukh UBI Hrishyamukh Apr' South Tripura Jolaibari UBI Baikhora Apr' South Tripura Satchand. UBI Manubazar Apr' South Tripura Bokafa Union Bank of India B.C.Manu Apr' South Tripura BC Nagar Bandhan Bank Bharatchandranagar May' South Tripura Satchand Bandhan Bank Jalefa May' South Tripura Rajnagar SBI Chittamara May' South Tripura Jolaibari SBI Jolaibari May' South Tripura Satchand. SBI Manubazar May' South Tripura Hrishyamukh SBI Hrishyamukh May' South Tripura Rupaichhari SBI Manu Bankul May' South Tripura Rajnagar TGB Rajnagar May' South Tripura Hrishyamukh TGB Hrishyamukh May' South Tripura Hrishyamukh TGB Matai May' South Tripura Bokafa TGB B.C.Nagar May' South Tripura Jolaibari TGB Baikhora May' South Tripura Jolaibari TGB Muhuripur May' South Tripura Jolaibari TGB Jolaibari May' South Tripura Jolaibari TGB Debdaru May' South Tripura Satchand. TGB Satchand May' South Tripura Satchand. TGB Manubazar May' South Tripura Satchand. TGB Sreenagar May' South Tripura Satchand. TGB Harina May' South Tripura Rupaichhari TGB Rupaichhari May' South Tripura Hrishyamukh TSCB Hrishyamukh May' South Tripura Satchand. TSCB Manubazar May' South Tripura Satchand. TSCB Kalachherra May' South Tripura Rajnagar UBI Siddhinagar May' South Tripura Rajnagar UBI Radhanagar May' South Tripura Bokafa UBI Santirbazar May' South Tripura Bharatchandra Nagar UBI Barpathari May' South Tripura Hrishyamukh UBI Hrishyamukh May' South Tripura Satchand. UBI Manubazar May' South Tripura Bokafa Union Bank of India B.C.Manu May' South Tripura BC Nagar Bandhan Bank Bharatchandranagar June' South Tripura Satchand Bandhan Bank Jalefa June' South Tripura Rajnagar SBI Chittamara June' South Tripura Jolaibari SBI Jolaibari June' South Tripura Satchand. SBI Manubazar June' South Tripura Rupaichhari SBI Manu Bankul June' South Tripura Rajnagar TGB Rajnagar June' South Tripura Hrishyamukh TGB Hrishyamukh June' South Tripura Hrishyamukh TGB Matai June' South Tripura Hrishyamukh TGB Sonaichhari June' South Tripura Bokafa TGB B.C.Nagar June' South Tripura Jolaibari TGB Baikhora June'

103 Sl. District Block N ame of Bank N ame of Branch M onth Held On 481 South Tripura Jolaibari TGB Muhuripur June' South Tripura Jolaibari TGB Jolaibari June' South Tripura Jolaibari TGB Debdaru June' South Tripura Satchand. TGB Satchand June' South Tripura Satchand. TGB Manubazar June' South Tripura Satchand. TGB Harina June' South Tripura Rupaichhari TGB Rupaichhari June' South Tripura Hrishyamukh TSCB Hrishyamukh June' South Tripura Jolaibari TSCB Baikhora June' South Tripura Satchand. TSCB Manubazar June' South Tripura Satchand. TSCB Kalachherra June' South Tripura Rajnagar UBI Siddhinagar June' South Tripura Rajnagar UBI Radhanagar June' South Tripura Bokafa UBI Santirbazar June' South Tripura Bharatchandra Nagar UBI Barpathari June' South Tripura Hrishyamukh UBI Hrishyamukh June' South Tripura Jolaibari UBI Baikhora June' South Tripura Bokafa Union Bank of India B.C.Manu June' Unakoti Pecharthal Indian Overseas Bank Pecharthal Apr' Unakoti Kumarghat SBI Kumarghat Apr' Unakoti Kumarghat SBI Ratiabari Apr' Unakoti Gournagar TGB Tillabazar Apr' Unakoti Gournagar TGB Gournagar Apr' Unakoti Gournagar TGB Dalugaon Apr' Unakoti Kumarghat TGB Pabiacherra Apr' Unakoti Kumarghat TGB Fatikray Apr' Unakoti Kumarghat TGB Betcherra Apr' Unakoti Kumarghat TGB Kanchanbari Apr' Unakoti Pecharthal TGB Pecharthal Apr' Unakoti Gournagar TSCB kailashahar Apr' Unakoti Gournagar TSCB Gournagar Apr' Unakoti Kumarghat TSCB Kumarghat Apr' Unakoti Pecharthal TSCB Machmara Apr' Unakoti Pecharthal TSCB Pecharthal Apr' Unakoti Gournagar UBI Gournagar Apr' Unakoti Kumarghat UBI Machmara Apr' Unakoti Kumarghat UCO bank Kumarghat Apr' Unakoti Gournagar UCO bank Kailashahar Apr' Unakoti Pecharthal Indian Overseas Bank Pecharthal May' Unakoti Kumarghat SBI Kumarghat May' Unakoti Kumarghat SBI Ratiabari May' Unakoti Gournagar TGB Tillabazar May' Unakoti Gournagar TGB Gournagar May' Unakoti Gournagar TGB Dalugaon May' Unakoti Kumarghat TGB Pabiacherra May' Unakoti Kumarghat TGB Betcherra May' Unakoti Kumarghat TGB Kanchanbari May' Unakoti Pecharthal TGB Pecharthal May' Unakoti Gournagar TSCB kailashahar May' Unakoti Gournagar TSCB Gournagar May' Unakoti Kumarghat TSCB Kumarghat May' Unakoti Pecharthal TSCB Machmara May' Unakoti Gournagar UBI Gournagar May' Unakoti Kumarghat UBI Machmara May' Unakoti Kumarghat UCO bank Kumarghat May' Unakoti Gournagar UCO bank Kailashahar May' Unakoti Pecharthal Indian Overseas Bank Pecharthal June' Unakoti Kumarghat SBI Kumarghat June' Unakoti Kumarghat SBI Ratiabari June' Unakoti Gournagar TGB Tillabazar June' Unakoti Gournagar TGB Dalugaon June' Unakoti Kumarghat TGB Pabiacherra June' Unakoti Kumarghat TGB Fatikray June' Unakoti Kumarghat TGB Betcherra June' Unakoti Kumarghat TGB Kanchanbari June' Unakoti Pecharthal TGB Pecharthal June' Unakoti Gournagar TSCB kailashahar June' Unakoti Kumarghat TSCB Kumarghat June' Unakoti Pecharthal TSCB Machmara June' Unakoti Pecharthal TSCB Pecharthal June'

104 Sl. District Block N ame of Bank N ame of Branch M onth Held On 551 Unakoti Gournagar UBI Gournagar June' Unakoti Kumarghat UBI Machmara June' Unakoti Kumarghat UCO bank Kumarghat June' Unakoti Gournagar UCO bank Kailashahar June' West Tripura Bamutia Bandhan Bank Narayanpur Apr' West Tripura Bamutia Bandhan Bank Bamutia Apr' West Tripura Dukli Bandhan Bank Kathaltali Apr' West Tripura Lefunga Bank of India Lembuchherra Apr' West Tripura Old Agartala Bank of India Khayerpur Apr' West Tripura Dukli Bank of India Anandanagar Apr' West Tripura Jirania Canara Bank Jirania Apr' West Tripura Jirania Canara Bank NIT Apr' West Tripura Hezamara Central Bank of India Barkathal Apr' West Tripura Jirania Indian Overseas Bank R.C.Nagar Apr' West Tripura Dukli SBI Amtali Apr' West Tripura Dukli SBI Dukli Apr' West Tripura Dukli SBI University Br. Apr' West Tripura Jirania SBI R.K.Nagar Apr' West Tripura Mohanpur SBI Gandhigram Apr' West Tripura Lefunga SBI Lembuchherra Apr' West Tripura Mohanpur SBI Mohanpur Apr' West Tripura Old Agartala SBI Khayerpur Apr' West Tripura Dukli TGB Bikramnagar Apr' West Tripura Dukli TGB Kanchanmala Apr' West Tripura Jirania TGB Bankimnagar Apr' West Tripura Jirania TGB Champaknagar Apr' West Tripura Jirania TGB Nit (Agartala) Apr' West Tripura Mohanpur TGB Kalacherra Apr' West Tripura Mohanpur TGB Lembuchherra Apr' West Tripura Mohanpur TGB Natunnagar Apr' West Tripura Hezamara TGB Hezamara Apr' West Tripura Mandwai TGB Mandai Apr' West Tripura Lefunga TGB Lefunga Apr' West Tripura Mohanpur TGB Durgabari Apr' West Tripura Dukli TSCB Bikramnagar Apr' West Tripura Jirania TSCB Khayerpur Apr' West Tripura Jirania TSCB Champaknagar Apr' West Tripura Jirania TSCB Khumlung Apr' West Tripura Mohanpur TSCB Mohanpur Apr' West Tripura Dukli TSCB Maheshkhola Apr' West Tripura Jirania TSCB Sachindranagar Apr' West Tripura Dukli UBI Anandanagar Apr' West Tripura Jirania UBI Jirania Apr' West Tripura Jirania UBI Khumlung Apr' West Tripura Jirania UBI Ranirbazar Apr' West Tripura Mohanpur UBI Usha Market Apr' West Tripura Mohanpur UBI Mohanpur Apr' West Tripura Dukli UBI Camper Bazar Apr' West Tripura Mandwi UBI Mandwi Apr' West Tripura Mohanpur UCO Bank Mohanpur Apr' West Tripura Bamutia UCO Bank Narshingarh Apr' West Tripura Old Agartala UCO Bank Khayerpur Apr' West Tripura Bamutia Vijaya Bank Gandhigram Apr' West Tripura Bamutia Bandhan Bank Narayanpur May' West Tripura Bamutia Bandhan Bank Bamutia May' West Tripura Dukli Bandhan Bank Kathaltali May' West Tripura Lefunga Bank of India Lembuchherra May' West Tripura Old Agartala Bank of India Khayerpur May' West Tripura Dukli Bank of India Anandanagar May' West Tripura Jirania Canara Bank Jirania May' West Tripura Jirania Canara Bank NIT May' West Tripura Hezamara Central Bank of India Barkathal May' West Tripura Old Agartala IDBI Uttar Champamura May' West Tripura Jirania Indian Overseas Bank R.C.Nagar May' West Tripura Dukli SBI Amtali May' West Tripura Dukli SBI University Br. May' West Tripura Jirania SBI R.K.Nagar May' West Tripura Mohanpur SBI Gandhigram May' West Tripura Lefunga SBI Lembuchherra May' West Tripura Mohanpur SBI Mohanpur May' West Tripura Old Agartala SBI Khayerpur May' West Tripura Dukli TGB Bikramnagar May'

105 Sl. District Block N ame of Bank N ame of Branch M onth Held On 623 West Tripura Dukli TGB Kanchanmala May' West Tripura Jirania TGB Bankimnagar May' West Tripura Jirania TGB Champaknagar May' West Tripura Mohanpur TGB Kalacherra May' West Tripura Mohanpur TGB Lembuchherra May' West Tripura Mohanpur TGB Natunnagar May' West Tripura Hezamara TGB Hezamara May' West Tripura Mandwai TGB Mandai May' West Tripura Lefunga TGB Lefunga May' West Tripura Mohanpur TGB Durgabari May' West Tripura Dukli TSCB Bikramnagar May' West Tripura Jirania TSCB Khayerpur May' West Tripura Jirania TSCB Champaknagar May' West Tripura Jirania TSCB Khumlung May' West Tripura Mohanpur TSCB Mohanpur May' West Tripura Dukli TSCB Maheshkhola May' West Tripura Dukli UBI Anandanagar May' West Tripura Jirania UBI Jirania May' West Tripura Jirania UBI Khumlung May' West Tripura Jirania UBI Ranirbazar May' West Tripura Mohanpur UBI Usha Market May' West Tripura Mohanpur UBI Mohanpur May' West Tripura Dukli UBI Camper Bazar May' West Tripura Mandwi UBI Mandwi May' West Tripura Bamutia UCO Bank Narshingarh May' West Tripura Old Agartala UCO Bank Khayerpur May' West Tripura Bamutia Vijaya Bank Gandhigram May' West Tripura Bamutia Bandhan Bank Narayanpur June' West Tripura Bamutia Bandhan Bank Bamutia June' West Tripura Dukli Bandhan Bank Kathaltali June' West Tripura Lefunga Bank of India Lembuchherra June' West Tripura Dukli Bank of India Anandanagar June' West Tripura Jirania Canara Bank Jirania June' West Tripura Jirania Canara Bank NIT June' West Tripura Hezamara Central Bank of India Barkathal June' West Tripura Old Agartala IDBI Uttar Champamura May' West Tripura Jirania Indian Overseas Bank R.C.Nagar June' West Tripura Dukli SBI Amtali June' West Tripura Dukli SBI Dukli June' West Tripura Dukli SBI University Br. June' West Tripura Jirania SBI R.K.Nagar June' West Tripura Mohanpur SBI Gandhigram June' West Tripura Lefunga SBI Lembuchherra June' West Tripura Mohanpur SBI Mohanpur June' West Tripura Old Agartala SBI Khayerpur June' West Tripura Dukli TGB Kanchanmala June' West Tripura Jirania TGB Bankimnagar June' West Tripura Jirania TGB Champaknagar June' West Tripura Jirania TGB Nit (Agartala) June' West Tripura Mohanpur TGB Kalacherra June' West Tripura Mohanpur TGB Lembuchherra June' West Tripura Mohanpur TGB Natunnagar June' West Tripura Hezamara TGB Hezamara June' West Tripura Mandwai TGB Mandai June' West Tripura Mohanpur TGB Durgabari June' West Tripura Jirania TSCB Khayerpur June' West Tripura Jirania TSCB Champaknagar June' West Tripura Jirania TSCB Khumlung June' West Tripura Mohanpur TSCB Mohanpur June' West Tripura Dukli TSCB Maheshkhola June' West Tripura Jirania TSCB Sachindranagar June' West Tripura Dukli UBI Anandanagar June' West Tripura Jirania UBI Jirania June' West Tripura Jirania UBI Khumlung June' West Tripura Jirania UBI Ranirbazar June' West Tripura Mohanpur UBI Usha Market June' West Tripura Dukli UBI Camper Bazar June' West Tripura Mandwi UBI Mandwi June' West Tripura Mohanpur UCO Bank Mohanpur June' West Tripura Bamutia UCO Bank Narshingarh June' West Tripura Old Agartala UCO Bank Khayerpur June' West Tripura Bamutia Vijaya Bank Gandhigram June'

106 BANK-BRANCH NETWORK IN TRIPURA AS ON West Sepahijala Khowai Gomati South Dhalai Unakoti North Total GRAND TOTAL R SU U R SU U R SU U R SU U R SU U R SU U R SU U R SU U R SU U ACUB Allahabad Bank Andhra Bank Axis Bank Bandhan Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Federal Bank HDFC ICICI IDBI IDFC Bank Indian Bank Indian Overseas Bank Indus-ind Kotak Mahindra Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank South Indian Bank SBI Syndicate Bank TCARDB TGB TSCB UCO Bank Union Bank of India UBI Vijaya Bank Yes Bank Total

107 STATUS OF ATMs IN THE STATE OF TRIPURA AS ON STATUS OF ATM IN THE STATE OF TRIPURA AS ON ATM Semi- Sl No Name of Bank Rural Urban Urban Total 1 Allahabad Bank Bandhan Bank Bank of Baroda Bank of India Bharatiya Mahila Bank Canara Bank Central Bank of India Dena Bank Indian Bank Indian Overseas Bank Punjab & Sindh Bank State bank Of India UCO BANK Union Bank United Bank Of India Vijaya Bank AXIS BANK Punjab National Bank Syndicate Bank Oriental Bank Of comerce ICICI IDFC Bank Tripura Gramin Bank ACUB TCARDB IDBI BANK Tripura State Co-Op Bank INDUSIND BANK HDFC Bank South Indian Bank Corporation Bank Yes Bank Bank of Maharashtra Andhra Bank Kotak Mahindra Bank Federal Bank TOTAL

108 Convener State Level Bankers Committee for Tripura United Bank of India Lead Bank Division Head office Minutes of the 121 st State Level Bankers Committee Meeting for the State of Tripura held on The 121 st SLBC meeting of Tripura State was held at the Conference Hall No.4, Pragna Bhawan, P.N. Complex, Agartala on 21 st June 2017 where annual performance of banks in the state of Tripura for the financial year was reviewed. The meeting was Co-Chaired by Shri Ashok Kumar Pradhan, Executive Director, United Bank of India along with Shri M. Nagaraju, Principal Secretary, Finance, Industries & Commerce, Govt. of Tripura. Amongst other dignitaries, Dr. G.S.G. Ayyangar, Principal Secretary, Agriculture and Rural Development, Govt of Tripura, Sri Tamal Biswas, General Manager, RBI, Agartala, Sri Sunil Kumar, General Manager, NABARD, and Shri Manas Dhar, General Manager, United Bank of India & Convener, SLBC (Tripura) were also present. Senior Executives of the State Government, RBI, NABARD and Banks also participated in the meeting. A list of participants of the meeting is enclosed. Initiating the discussion, Sri Manas Dhar, General Manager, United Bank of India & Convener SLBC, Tripura welcomed all the participants to the 121 st meeting of SLBC, Tripura. Then, he requested Shri A.K. Pradhan, ED, United Bank of India to deliver his keynote address to the House. Shri A.K. Pradhan, ED, United Bank of India & Co-Chairman, SLBC, Tripura, at the beginning greeted Dr. G.S.G. Ayyangar, Principal Secretary, Agriculture and Rural Development, Shri M. Nagaraju, Principal Secretary, Finance, Industries & Commerce at the SLBC meeting. Shri Pradhan also extended hearty welcome to Shri Tamal Biswas, General Manager, RBI, Agartala, Shri Sunil Kumar, General Manager (NABARD), and other executives from the Govt. of Tripura, RBI, NABARD & Banks. At the outset he mentioned about the significant achievements of the Banks in different parameters and also about the progress made in implementing the major decisions of the last SLBC meeting held on Shri Pradhan, Executive Director, United Bank of India informed the House that at the end of FY , CD ratio of the State stood at 43%, an increase of 1% from the earlier position of 42% as on 31 st December He hoped that increased lending under MUDRA and Stand-Up-India and also achieving targets of Agriculture & MSME under Annual Credit Plan for the financial year would help record further improvement of CD ratio in the coming quarters. Combined disbursement of all Banks under PMMY stood at Rs crore i.e. 123% of the State Target of Rs.402 crore for FY He advised RSETI Directors and their sponsor banks to remain in constant touch with the skilling centres for conducting financial literacy and credit counseling 103

109 sessions for the new entrepreneurs so that they become self reliant and self employed with the help of MUDRA loans. He mentioned that 87 SC/ST/Women beneficiaries have received loans totaling Rs crore under the Stand Up India Scheme. He also said that this performance of the banks in the State is far below the expectation. He mentioned that this agenda should be discussed in all DCC meetings and some special initiatives need to be taken for achieving a respectable position in this segment during He stated that percentage of Aadhaar Seeding in Savings accounts is 89.47% in Tripura, which is really impressive. He mentioned that the state government has decided that all subsidies / payments released would be routed through Aadhaar seeded accounts to the maximum possible extent. Since Tripura State is having the highest penetration of Aadhaar in the country, all Banks were requested to seed Aadhaar numbers in the remaining eligible accounts to ensure 100% Aadhaar seeding and smooth DBT Transaction. He referred to the ruling of Supreme Court about linking Aadhar with every Bank A/c. He said that it has now become mandatory on the part of the Banks to ensure full compliance of the directive. He said as on the percentage of Zero Balance accounts was only 4.70% of total PMJDY accounts opened in the State. Bankers were requested to convert all zero balance accounts into normal operative accounts by observing the financial disciplines. All the Banks taken together have issued RuPay ATM Cards to 88.68% PMJDY customers against national average of 77.68%. He suggested that RuPay ATM cards should be issued against every account opened because RuPay card operation is likely to encourage digital transaction. As a long term measure he suggested organising financial awareness programmes at regular intervals to inculcate the habit of digital transactions in all the customers and specially the young customers. He said that banks had surpassed the ACP target, which definitely augurs well for the State. He said Banks should continue with similar efforts in coming years also with a view to propelling the CD ratio of the State beyond much coveted 50%. He said that the banks in the state of Tripura have issued KCCs (97% of target of 50,000) during FY He emphasized on the renewal of Dormant KCCs, which he felt could be made possible only with the joint efforts of the State Govt. & Banks. He stated that Dormant KCCs should be made active so as to get the benefit of PMFBY. He cited the example of West Bengal, where Agriculture Department of the State Govt. is extending all possible assistance to the Banks for renewal of dormant KCCs. He requested for kind cooperation of the Tripura Government in this regard. He said recycling of funds in Agriculture segment is of paramount importance. He also requested the Bankers to prepare District-wise & Branch-wise dormant KCC list for onward submission to the Agriculture Department of the State Government within 30 th June 2017 to kick start the campaign. Sri Pradhan referred to the NPA position of the State including written off amount, which stood at Rs Cr i.e. 6.40% of total advances as at the end of FY He emphasized on initiation of timely recovery, and advised the banks to work proactively to bring the NPA level down below 5% by June 2017 with the assistance and guidance of the State Government. He stressed on the importance of Securitization of assets under SARFAESI Act and also urged on the State Government to ensure that there is no undue delay in extending help towards the Bankers for recovery of loans. 104

110 Shri Pradhan hoped that the collective effort of all concerned would facilitate speedy implementation of the Government s policy on various spheres of economic activities within the shortest possible time resulting in all-round economic development of the State. Thereafter, Shri A. K. Pradhan, Executive Director United Bank of India requested Dr. G.S.G. Ayyangar, Principal Secretary, Agriculture and Rural Development, Government of Tripura to address the House. Dr. G.S.G. Ayyangar, Principal Secretary, Agriculture and Rural Development, Government of Tripura appreciated the efforts of all concerned in the successful achievement of targets under the Annual Credit Plan. He stated that number of Agricultural Term Loan have increased considerably, but the average quantum of loan decreased. He suggested increasing the average ticket size of Agriculture & other loans as under-financing often leads to the loans turning into NPAs. He urged upon the Bankers to increase financing to Agriculture Marketing, Cold Storages, Rice Mills, pulses and edible oil seed mills. He also suggested organizing a camp in Tripura Agriculture College, in which Bankers and other implementing line agencies related to Agricultural financing would be invited to address the students in final year to make them aware about scope for agriculture project lending. He requested all concerned that implementation of PMFBY should be of top most priorities and the scheme should be executed for all loanee and non-loanee farmers in the State. Dr. Ayyangar appreciated the UBI RSETI Udaipur and TGB RSETI Sepahijala for their excellent performance and congratulated them as they have been awarded on RSETI Diwas in New Delhi by the MORD, Govt. of India. In reply to the request of United Bank of India for re-allotment of existing premises of RSETIs instead of allotted land, he stated that concerned Banks should construct building for their RSETIs at the allotted lands only. He assured that RD Department of State Government would help the Banks in preparation of plan, layout and even construction for these buildings, if they are assigned at a reasonable cost. He also assured removal of encroachment by unauthorized persons in land allotted to TGB Bishramganj RSETI. He also suggested that Directors of respective RSETIs should be present in the SLBC meeting onwards to present the performance of their institutes themselves. Dr. G.S.G. Ayyangar urged all the Bankers to select beneficiaries under different schemes before the 30 th of November 2017 due to application of Model Code of Conduct related to election. Shri M. Nagaraju, Principal Secretary, Finance, Govt. of Tripura lauded the efforts of the Bankers in implementation of various schemes during the year But he pointed out the poor performance under Stand Up India scheme under which the Banks provided loan to only 87 beneficiaries by the 500 plus branches. He requested all Banks need to improve their performance considerably during FY Then Shri Manas Dhar, GM-UBI made a presentation and took up the Agenda items for detailed deliberations. Agenda 1 : Confirmation of proceedings of 120 th SLBC meeting for Tripura held on : Confirmed by the House. 105

111 Stand-Up India Scheme: Loans under the scheme have been extended to 87 SC/ST/Women beneficiaries amounting to Rs crore during FY House noted the same. Banks have been requested to identify viable projects for Stand-Up India scheme with priorities and disburse loans so as to ensure achieving branch wise target stipulated for FY , thereby increasing CD Ratio of the State. Uploading of proposals in the Portal was also emphasized. It was suggested that performance under Stand Up India should be discussed in all DCC meetings of all the 8 districts of the State. Besides, Skill Development Department of the State Government would help in selection of viable projects under SUI. Agenda 2 : Pradhan Mantri MUDRA Yojana All Banks/Lending Institutions made disbursement of Rs Crore with numbers of accounts for FY as on , against the annual target of Rs Crore i.e. 123% of the target. House noted the performance under PMMY in the State. Convener, SLBC-Tripura requested bankers to continue the good performance under PMMY during FY House also discussed about inclusion of Tripura Gramin Bank (TGB) under the purview of CGTMSE and MUDRA guarantee as per action point of 120 th SLBC meeting. GM NABARD informed that TGB had to sign a MOU with CGTMSE but the NPA level of the concerned Bank should be less than 5% for execution of the same. It was decided that the State Government in consultation with TGB would take up the matter with the appropriate authority. Agenda 3 : Opening of Bank Branches in Unbanked Villages having population of more than Out of the 19 Villages having population more than 5000 allotted to different Banks for opening of Brick and Mortar Branches, no Branch has been opened till date. The details of status as reported by the concerned Banks were discussed. Some Banks stated that permission to them in this regard is pending with RBI. All Banks were once again requested to take up the matter with the appropriate authority and also to expedite the process of opening of branches. Agenda 4 : Financial Inclusion Plan The House reviewed the progress of Pradhan Mantri Jan Dhan Yojana under which A/Cs have been opened in the State as on Aadhaar Seeding in the PMJDY accounts of the State stood at 88.68%. Zero-balance accounts contributed 4.70% of the total PMJDY accounts opened up to All banks in the State issued RuPay cards to 88.68% PMJDY customers against national average of 77.68%. It was observed that RuPay Card delivery and activation still have a lot of scope for improvement and Banks need to act more proactively in these areas so that beneficiaries get the benefit of Rs.1.00 lac inbuilt accident insurance cover. The banks operating in the State have enrolled 3.88 lac customers under PMSBY, 1.43 lac customers for PMJJBY and customers under APY as on House noted the performance under 106

112 Social Security Schemes with a request to the bankers for coverage of each family under PMJJBY/ PMSBY schemes. Member banks were requested for timely submission of complete claim applications to Insurance Companies and also to take help of the SLBC Desk, if required, to reduce rejection of claim by the Insurance Companies. The House also noted the performance of the 5 RSETIs which conducted 136 training programs with the participation of 3512 candidates during FY The 14 Financial Literacy Centers in the State conducted 108 Camps during the quarter ended March 2017 while the 269 rural branches in the State conducted 696 camps during the same period. Agenda 5: CD Ratio of the Districts CD Ratio of the State stood at 43% as on 31 st March 2017 after recording 1% increase over the December 2016 figure. House noted the same and all concerned were requested to strive towards increasing CD Ratio to 53% at the end of FY as envisaged in the 120 th SLBC Meeting of Tripura. All 8 districts have reported positive growth in CD ratio as on 31 st March 2017 over Dec CD Ratio of West Tripura district stood at 32% as on 31 st March Special efforts should be taken by all banks to improve the CD ratio of this district for equitable allocation of credit in terms of deposits mobilized in the district. Agenda 6: Implementation of Annual Credit Plan House reviewed the overall achievement under ACP for financial year Banks operating in the State achieved 125% (Rs cr.) of the credit disbursement target under ACP The disbursement during FY surpassed the corresponding figure of last year ( ) by 15%. Achievement under Priority Sector also stood at 126% at the end of FY Achievement under Agriculture sector stood at 124%, while achievement under MSME & Other Priority Sector (OPS) reached 141% & 104% respectively for FY Agenda 7: Kisan Credit Card ( ) All banks in the State issued 48,614 KCCs amounting to Rs crore, thus achieving 97% of the annual target (50,000 Nos.) at the end of the FY Shri Manas Dhar, Convener, SLBC (Tripura) requested the bankers for renewal of Dormant KCCs, which he felt could only be possible with the joint efforts of State Govt. & Banks. He referred to the instances of West Bengal, where Agriculture Department of the State Govt. is extending all possible assistance to the Banks for renewal of dormant KCCs by engaging the concerned officials at the grass root levels, i.e. Panchayet, Block, Sub-Division & District. He requested for kind cooperation of the State Govt. in this regard, which might allow the State to realize its full potential available apart from laying the platform for recycling of funds in Agriculture segment. He also requested the Bankers to prepare District wise & Branch wise dormant KCC list for onwards submission to the Agriculture Department of the State Government within 30 th June 2017 to kick start the campaign. 107

113 Shri Dhar also requested the bankers to take proactive steps to cover all eligible loanee and non-loanee farmers under PMFBY during Kharif 2017 for notified crops in notified areas and to ensure issuance of Acknowledgement Receipts and Folio cards to all farmers to be covered under PMFBY in the ensuing Kharif season. Agriculture Department and all concerned officials of the Line Departments were also requested to organize programs for mass awareness to the farmers like previous years. House also noted the formation of 54 Farmers Clubs in the State during FY Agenda 8: Self Help Groups (SHG) The House reviewed the performance of the Banks under NRLM/NERLP and WSHG for FY The Banks sanctioned 44 cases of SEP (IND) amounting to Rs Lakhs under NULM. Agenda 9: Recovery Performance of Banks The House reviewed sector-wise and Government Sponsored Scheme-wise recovery of loan position as on Overall recovery percentage in respect of three broad sectors, viz. Agriculture, MSME and Other Priority Sector (OPS) stood at 63% as on March 2017 as against 62% as on March There was no significant improvement in recovery under schematic lending. Recovery in SJSRY was 2%, SGSY was 20%, PMRY was 8%, PMEGP was 50%, while recovery in REGP (MMS) was 46% as on Line Departments of the State Government were requested to extend their support for improving recovery of schematic loans. Agenda 10 : NPA position of Banks in Tripura. Percentage of gross NPA stood at 5.64% as on March 2017 which was 5.82% as on March The outstanding amount under Written off A/Cs (Shadow Register) was around Rs crore which if added with the outstanding NPA, would rise to Rs crore which will be 6.40% of the gross advance as on The House discussed the strategies for improvement of recovery of loan dues in the State and requested help of the Line Departments for joint recovery drives. Agenda 11: Performance of Banks in key areas in Tripura as on 31 st March 2017 House reviewed the performance of the Banks as on 31 st March The overall Advance in the State witnessed y-o-y growth of 14% from Rs crore as on March 2016 to Rs crore as on March Similarly, y-o-y growth of 19% was registered in Deposits which stood at Rs crore as on March 2017 against Rs crore as on March The House noted the y-o-y growth of 28% in lending under Priority Sectors (outstanding), 27% in lending to Weaker Section, 19% growth in lending to SC/ST borrowers and 79% growth in lending to Minority community as on MSME sector registered 89% y-o-y growth while Agriculture Sector achieved a y-o-y growth of 47% as on

114 Agenda 12: Performance under Govt. sponsored schemes All banks sanctioned 1539 cases amounting to Rs cr. under PMEGP against the yearly target of 1846 cases as on March 2017 for FY All banks sanctioned 2546 cases amounting to Rs cr. in SWAVALAMBAN as on March 2017 against the yearly target of 4000 cases for FY House noted the performance of the Banks and also noted the progress of KCC-Fishery, Mini Dairy, DRI, etc. for the financial year ending on Agenda 13: Financing Education Loan, Housing Loans and Specialized schemes in Tripura. House noted the performance of the Banks in respect of disbursement made under Education loans to 285 students involving Rs 6.41 crore during FY The outstanding balance in Education Loans as on stood at Rs crore in 3905 accounts. Under Housing Loans, outstanding balance stood at Rs crore in accounts as on 31 st March House noted the progress. Agenda 14: MSME financing under ACP. House reviewed the overall achievement of MSME during FY All Banks have disbursed Rs crore, registering an achievement of 95% against ACP target of Rs crore during 1 st three quarters of FY Shri Manas Dhar, Convener, SLBC (Tripura) informed the House in respect of the proposal of the State Government for construction of Multistoried Office Building at Front row beside AGMC & GB Hospital Road, next to Heritage Park to be implemented by NBCC. He requested the bankers to consider the matter for taking official accommodation and quarters for officers / staffs at the above prime location in Agartala. Thereafter, the Convener SLBC of Tripura requested Shri Tamal Biswas, GM, RBI and Shri Sunil Kumar, General Manager-NABARD to address the House. Shri Tamal Biswas, GM, RBI Agartala informed the House about the initiatives taken by them in connection with the member Banks of SLBC Tripura during the Financial Literacy Week held from to The State Level Inauguration Event was held in Rabindra Satabarshiki Bhawan, Agartala, Tripura on He informed the House about their efforts across the State to create awareness about Financial Literacy and Digital Financial Literacy through displaying posters in public toilets, note books, garden umbrellas, etc. Similarly, he requested all Banks to contribute equally in the efforts for improvement of CD ratio in the State during next quarter. He stressed on the importance of Digital Financial Literacy in the wake of Demonetization and initiatives towards moving to a digital payment economy with the active involvement of Banks, NABARD and State Government. He also brought before the House the delay in receiving data from 109

115 Banks by both SLBC desk and RBI Agartala. He urged all concerned to ensure submission of required data as per reporting formats within the stipulated time period which would help in timely conducting of SLBC and DCC meetings. Shri Sunil Kumar, General Manager, NABARD during his deliberation informed the House about issuance of 95,000 RuPay KCC cards by TGB and 72,000 by TSCB in the State of Tripura. He made a presentation on the website created by NABARD which was meant for MIS data regarding SHGs in the State. He stated that Bankers could visit this website to know more about a particular SHG which would help in better credit delivery to the SHGs and knowledge about the groups. Shri Arup Ratan Sharma, CEO-TRLM informed the House that Rs. 1 Lakh assistance is given to SHGs under NERLP in a time frame of 15 months (Rs. 40,000 after 6 months, another Rs. 40,000 after 6 months and Rs. 20,000 after 3 months). He urged upon the Bankers to increase the average assistance to SHGs based on the activity undertaken with first dosage ideally being Rs Lakh and 2 nd dosage being Rs Lakh. He expressed concern over poor implementation of Community Based Recovery Mechanism (CBRM) in the Branches. He requested all stakeholders to take advantage of the program to hasten the recovery process. He also stated about issues in implementation of SHG schemes by some of the SBI branches. Regional Managers of SBI noted the issues and assured resolution of the issues at the earliest. After threadbare discussion the following major Action Points emerged from the meeting. All Banks are to exert efforts jointly to raise the CD ratio of the State to 53% as on (Action: All Banks & State Government). The District Administration would continue to review the CD ratio of the districts in all DCC meetings and Action points should be decided for all districts to push up the CD ratio. Extra efforts should be initiated for West Tripura District to improve its CD ratio with high ticket loan accounts. (Action: All Banks & LDMs). 100% disbursement targets set against all sectors under ACP is to be achieved (Action: All Banks). All Banks are to exert efforts to issue KCCs to all eligible farmers within (Action: All Banks and Agriculture Department). Bankers to prepare District wise & Branch wise dormant KCC list for onwards submission to the Agriculture Department of the State Government within 30 th June 2017 to kick start the campaign. (Action: All Banks). Each FLC and rural branch to conduct minimum one outdoor / indoor literacy camp once a month. (Action: All FLC & Rural branches). All Banks are to exert effort to achieve MUDRA Target for FY as on (Action: All Banks). 110

116 All Banks are to exert effort to achieve Stand-Up India Targets for FY as well as uploading of proposals in the Portal (Action: All Banks). All Banks to complete Aadhaar Seeding and activation of RuPay Debit Cards with the active cooperation of the State Government and PRI bodies in Savings accounts. (Action: All Banks). Member Banks are to timely submit the complete claim applications to insurance Companies and also to take up the help of SLBC Desk to reduce rejection of claims. (Action : All Banks). Banks to submit status report on opening of branches in unbanked villages having population above 5000 to SLBC desk. (Action: Banks). Implementation of PMFBY should be of top most priorities and the scheme should be executed for all loanee and non-loanee farmers in the State. (Action : All Banks) All Banks to distribute Acknowledgement Receipts and Folio cards to all loanee and non-loanee farmers covered under PMFBY. (Action : All Banks) NABARD and Tripura State Government to take up the matter with the appropriate authority so that TGB comes under the ambit of CGTMSE and MUDRA Guarantee scheme (Action : NABARD, TGB and Government of Tripura). To ensure implementation of CBRM mechanism by the rural branches and hold meeting on monthly basis (Action: Rural bank branches). Formation of Farmers Clubs as per allocation given to Banks. (Action: All Banks & NABARD). To ensure submission of data as per format and within stipulated time period. (Action : All Banks). Vote of Thanks. Shri Mahendra Dohare, DGM & CRM, United Bank of India, Tripura Region while offering vote of thanks, conveyed heartfelt appreciation to Dr. G.S.G. Ayyangar, Principal Secretary, Agriculture & Rural Development, Shri M. Nagaraju, Principal Secretary, Finance, Industries & Commerce, and all other dignitaries from Govt. of Tripura, RBI, NABARD, Banks and other agencies for attending the meeting and taking active part in the deliberations. *********************************xxxxx********************************* 111

117 LIST OF THE PARTICIPANTS AT THE 121 st MEETING OF THE SLBC FOR THE STATE OF TRIPURA HELD AT PRAGNA BHAWAN, HALL NO.4, AGARTALA ON AT 11:00 A.M. Sl. Name of the dignitaries Designation/Office/Institution No. I CHAIRED BY 1 Shri Ashok Kumar Pradhan Executive Director, United Bank of India II GOVT. OFFICIALS 2 Dr.G.S.G. Ayyangar Principal Secretary, Agriculture & RD, GoT 3 Shri M. Nagaraju Principal Secretary, Finance and I & C, GoT 4 Shri Rameswar Das Secretary, Fisheries, GoT 5 Shri Sahadeb Das Director, SS, IF & GI, GoT 6 Shri Arupratan Sarma CEO, TRLM, RD Department, GoT 7 Shri S.K. Sarkar Jt. Director(I & C), GoT 8 Shri Ashutosh Saha Nodal Asstt.(PMEGP) -TKVIB 9 Shri D.P. Sarkar Director, Agriculture, GoT 10 Dr. K.K. Majumder Director, ARDD, GoT 11 Shri Hirak Sarkar FO, Directorate of Fisheries, GoT 12 Shri Prasenjit Das DO, DIF, GoT 13 Shri Kirit Debbarma Statistician, Agriculture, GoT 14 Shri Sukanta Pal Senior Research Officer, TW Department, GoT III RBI/NABARD/SIDBI/NHB/ INSURANCE COMPANIES/ BSNL/ OTHERS Designation/Office/Institution 15 Shri Sunil Kumar General Manager, NABARD-Agartala 16 Shri Tamal Biswas General Manager-RBI, Agartala 17 Shri S.N.Chattopadhyay AGM,RBI, Agartala 18 Shri N.C. Debnath Manager, SIDBI 19 Shri Biswajit Chakraborty ASP, Agartala, Postal Department 20 Shri Rana Debbarman Asstt. Manager- HUDCO Ltd. 21 Shri K.C. Roy State Director, KVIC, Agartala 22 Shri Chitta Ranjan Dasgupta A.O., TKVIB 23 Shri Hemendra Chakraborty Administration Officer- NIC IV BANKS Designation/Office/Institution 24 Shri Manas Dhar General Manager, UBI & Convener, SLBC-Tripura 25 Shri M. Dohare DGM & CRM, UBI, Tripura 26 Shri Upendra Sabar Chairman, Tripura Gramin Bank 27 Shri Swapan Kr. Saha MD, TSCB Ltd. 28 Shri S.R. Das AGM, UBI-H.O. 112

118 29 Shri Deepak Choudhury Regional Manager(North)- SBI, Tripura 30 Shri Shibatosh Chowdhury Regional Manager(South)- SBI, Tripura 31 Shri Sankar Kumar Das Zonal Manager, UCO Bank 32 Shri Bhajan Ch. Roy AGM-UBI RO 33 Shri Pintu Dasgupta AGM-UBI 34 Shri A. Kumar Sr. Manager-Oriental Bank of Commerce 35 Shri Dipankar Ambuly GM, TGB 36 Shri Robin Chakma Manager, Allahabad Bank 37 Shri Nantu Roy Sr. Manager, Vijaya Bank 38 Shri L. Prasad Chief Manager-Union Bank of India 39 Mohd. Ali Chief Manager, Central Bank of India 40 Shri S. Shankar Shahdev Chief Manager, Indian Overseas Bank 41 S.K. Rafizuddin Branch Manager, Indian Bank 42 Shri A. Debbarma Asstt. Development Officer-ACUB Ltd. 43 Shri Subrata Chakraborty Manager, RBO,SBI 44 Shri Suvendu Bikash Jotder Sr. Branch Manager, Syndicate Bank 45 Shri Sumit Mazumder Manager-IDBI Bank 46 Shri Alok Chaudhury Chief Manager, SLBC UBI 47 Shri Dhruva Sarkar Senior Manager, Kotak Mahindra Bank 48 Shri Bipradas Paul Operations Manager, HDFC Bank 49 Shri Vijay Kumar Br. Manager-Dena Bank 50 Shri Sudip CHakraborty Cluster Head, Bandhan Bank 51 Shri Dulal Ch. Pandit Director, SBI RSETI 52 Shri Partha Pratim Ray Chief Manager-Canara Bank 53 Shri Partha Sarathi Das Manager, Punjab & Sindh Bank 54 Shri Arindam Ray Manager, Punjab National Bank 55 Smt. Suhash Ch. Paul Branch Manager-Corporation Bank 56 Abdur Rahman Choudhury RUDSETI, Agartala 57 Shri T. Bhattacharya Senior Manager, Union Bank of India 58 Shri Prantik Das BM, Bank of Maharashtra 59 Shri Ratan Kr. Tiwari BM, Andhra Bank 60 Shri Kankan Bhowmik BM, ICICI Bank 61 Shri Debasish Ray Barman Senior BM, IndusInd Bank 62 Shri Chiranjib Pathak Sr. BM, IDFC Bank ltd. 63 Shri Sandeep Goon AM, South Indian Bank 64 Shri Somnath Ray SO, Yes Bank 65 Shri Musa Karim Sardar LDM, North & Unakoti-UBI 66 Shri M.K. Devvarman LDM, Dhalai & Khowai, UBI 67 Shri Birendra Tripura HOD(C & R), Tripura Gramin Bank 68 Shri Subrata Mandal LDM, West & Sepahijala, UBI 69 Shri Neelabhra Borah Marketing Manager-UBI 70 Shri Tamal Debbarman Officer-SLBC & FI, Tripura **************************xxxx************************** 113

119 त र प र ह त र ज य स तर य ब कर स र म तत क ब ठक STATE LEVEL BANKERS COMMITTEE MEETING FOR TRIPURA 122 nd १२२ व क र यस च ट प पण AGENDA NOTES June 2017 ज न २०१७