C O N T E N T S 154 th

Transcription

1 STATE LEVEL BANKERS COMMITTEE, ODISHA स दर भ स /Lt No-SLBC/ODI/605/ ददन क / Date: To र ज य स तर य ब कसस समममत, उड़ श क सभ सदस य All the Members of State Level Bankers Committee, Odisha मह दय/मह दय Sir/Madam, म षय: ददन क 06 म र भ 2019 क ह न ल 154 एस.एल.ब.स. ब ठक ह त क यस च न ट ए प ष ठभ मम पत र Sub: Agenda Note & Background Papers for 154 th SLBC Meeting to be held on 06 th March हम र पत र स ख य एसएलब स /ओड आई /604/ ददन क क अन क रम म, हम क यस च न ट ए प ष ठभ मम पत र आपक म नम र अ ल कन ए ददन क 06 म र भ 2019 क म फ यर कन शन, भ न श वर क दक रस टल ह ल म ह न ल 154 एस.एल.ब.स. ब ठक म सहभ म त ह त स लम त कर रह ह Further to our Letter No. SLBC/ODI/604/ dated , we are enclosing herewith the Agenda Notes and Background Papers for your kind perusal and participation in the 154 th SLBC Meeting to be held on 06 th March 2019 at Crystal Hall of Mayfair Convention, Bhubaneswar as per the details below: ददन क / Date : (ब ध र / Wednesday) समय / Time : 11:00 A.M स थ न / Venue : दक रस टल ह ल ( मनचल म म ल), म फ यर कन शन, ह ट ल म फ यर, भ न श वर Crystal Hall (Ground Floor) in Mayfair Convention, Hotel Mayfair, Bhubaneswar. हम आपस मन दन करत ह दक आप ब ठक म अ श य भ ल तथ र ज य क प र मत ए म क स ह त अपन बह म ल य स झ स हम अ श य अ त कर ए We would request you to kindly make it convenient to attend the Meeting and give your valuable suggestions for growth and development of the State. स दर / With regards, भ द य / Yours faithfully, (प.क.स द श / P.K.C Dash) स य क, एस.एल.ब.स., उड़ श Convener, SLBC, Odisha Enclo: यथ क त As stated above य क ब क भवन, त त य तल, स -2, अश क नगर, भ वन श वर UCO Bank Building, 3 rd Floor, C-2, Ashok Nagar, Bhubaneswar Phone: , , Fax: slbc.odisha@ucobank.co.in

2 Sl No C O N T E N T S 154 th Particulars SLBC 0 Banking at a glance in Odisha as on 31 st December Confirmation of Proceedings of 153 rd SLBC Meeting 3 2 Action Taken Report on major decisions taken in 153 rd SLBC Meeting held on Recent Policy initiatives of Govt. of India, Govt. of Odisha & RBI 4 4 Annual Credit Plan / Priority Sector Lending / Sectoral Financing 6 5 Doubling of Farmers Income by 2022 Strategy for Odisha 9 6 Banking Key Indicators & CD Ratio 10 7 Financial Inclusion and Banking Infrastructure 12 8 Central Government Sponsored Schemes PMFBY,DAY-NRLM,NULM 15 9 Loan Recovery Legal / Institutional Support Govt. Sponsored Programmes State Government Sponsored Schemes Banks Common Concerns (RSETI) Functioning of DCC/DLRC/Strengthening of LDMs Calendar of Programme for conducting SLBC Meetings 26 Page No 3

3 LIST OF ANNEXURES Annexures Particulars Page No 1 PM Kisan Samman Nidhi - Exclusion Categories MSME SUPPORT & OUTREACH PROGRAM Achievement Interest Subvention Scheme for MSMEs Restructing of advances to MSMEs A Annual Credit Plan (A.C.P) B Bank group wise Achievement under ACP C Share of different banks groups in Agriculture Credit Outstanding Finance under Agriculture Finance under KCC Finance under Allied Agriculture Pending in Fisheries Sector Finance under Education loan Finance under Housing Loan Doubling of Farmers Income by 2022-Strategy for Odisha Farmers' Producers Organisation Key Indicators Area wise CD Ratio Status of OFC Testing - BharatNet Phase-I Status of Direct Benefit Transfer to LPG Consumers Status of Aadhaar Generation Farmers Registration Report under PMFBY - Rabi Finance under Self Help Group Bank wise performance under PMJDY Bank wise District wise BSBDA Enrollment status of PMSBY, PMJJBY & APY Claim Settlement Status of Social Security Schemes Pradhan Mantri MUDRA Yojana (PMMY) Performance Stand Up India Credit facility to Minority Community Performance under NULM Finance under Joint Liabilty Group Finance under Artisan Credit Card Finance under Swarozgar Credit Card Bankwise subsidy released under Coir Udyami Yojana (CUY) during a Bankwise subsidy released under Coir Udyami Yojana (CUY) during , & Bankwise information on MUDRA Weavers Scheme (upto Nov'18) Bankwise info on MUDRA Weavers Scheme during the FY18-19 (upto Nov'18) Details of MUDRA Weavers Scheme Scheme wise NPA,Overdue & Recovery Position Particulars of cases filed under OPDR Act and OACOMP Act SARFAESI Cases pending with District Magistrate Performance under PMEGP Exemption of EDP Training to disburse loan under PMEGP Credit Facility under CGTMSE CGFMU Scheme Performance under Kalinga Sikhya Sathi Yojana Application Sponsored and sanctioned by Banks under SUY Performance of RSETIs in Odisha Calendar of Programme for conducting SLBC Meetings Annexures for Information Bank wise progress under Roadmap for providing Banking Services Credit flow to MSME Bank wise District wise Branch Network Bank wise District wise Branch Opened Report ATM Network in Odisha Branch & ATM Network and Branch & ATM Network in rural centres Disposal of loan applications under various sectors

4 154 th SLBC AGENDA

5 Sl BANKING AT A GLANCE IN ODISHA AS ON 31 st DECEMBER 2018 Particulars Amt in Crore 1 Total Deposit Total Advance utilized in the state Total Advance sanctioned and utilized in the state Total Business (Deposit + Advance) Credit Deposit (CD) Ratio (%) Benchmark- 60% Credit Deposit Ratio excluding advance sanctioned in other state and utilized in our state CD Ratio of Rural Branches CD Ratio of Semi Urban Branches CD Ratio of Urban Branches Total PS Advance % of PS Advance to ANBC Benchmark - 40% Agriculture Advance % of Agriculture Advance to ANBC Benchmark - 18% MSME Advance % of MSME Advance to ANBC Out of which, Micro Enterprises(Rs ) (Benchmark 7.5 % of ANBC) Advance to Weaker Section % of Advance to weaker section to PS Adv. Benchmark 25% Education Loan B/o Housing Loan B/o Export Credit B/o Total DRI Advance Total Advance to Minority community % of Advance to Minority community of Total Priority Sector (Norm 15 % of Priority Sector) Advance to Women % of Advance to Women(Benchmark 5% on NBC) Credit Investment to Deposit Ratio %

6 NPA in % (Average in the state) 7.80 Public Sector Banks 9.45 Private Sector Banks 0.92 RRBs Cooperative Banks 6.29 Total No. of Branches 5121 Rural Branches 2722 Semi Urban Branches 1369 Urban Branches 1030 Achievement under ACP vis-à-vis Annual Target under priority sector in % Agriculture MSME Export Credit Education Housing Social Infrastructure 2.11 Renewable Energy 0.92 Others Lead Districts : 30 SBI 19 UCO 7 BOI 2 Andhra Bank 2 RSETIs : 30 SBI 17 UCO 7 BOI 2 CBI 1 Andhra Bank 2 RUDSETI : Canara Bank & Syndicate Bank 1 FLCs 140 SBI 19 UCO Bank 7 Andhra Bank 2 Bank of India 2 Cooperative Banks 97 RRB 13 2

7 SLBC, ODISHA 154 th MEETING ON AGENDA NOTES A Steering Committee of the SLBC, Odisha was constituted for the first time in terms of RBI, Circular no. FIDD.CO.LBS.BC.No.19/ / dated As per the decision taken in the Third Steering Committee held on , the AGENDA for the 154 th Meeting of SLBC was prepared. AGENDA NO. 1 Confirmation of Proceedings of 153 rd SLBC Meeting held on at Bhubaneswar. The Proceedings of the 153 rd SLBC Meeting held on was circulated among all the members of SLBC vide our letter No. SLBC/ODI/545 / dated , since no comments have been received from any quarter, the same may please be confirmed. AGENDA NO. 2 Action Taken Report on major decisions taken in 153 rd SLBC Meeting held on FOLLOW-UP ACTION ON PENDING ISSUES: Sr. Issues 1 Release of Subsidy of Pisciculture loan of 184 Cases amounting to Rs Lakhs for the year &73 Cases amounting to Rs Lakhs for financed by Canara Bank, Konark & Gopalpur Branch Action taken Department of Fisheries has not yet released the Subsidy amount. However the release of the same may be expedited. 3

8 2 Release of Govt fund under Short Term Crop Loan and Long Term Dairy Loan towards Interest subventions to banks 3 Pending issues of RSETIs & Charging of domestic Tariff for electricity connection instead of commercial tariff. Registrar of Cooperative Societies, Govt of Odisha has released Rs 15 Crore towards Short term crop loan Interest Subvention. Rs. 45 Crore is also released by the Cooperation Department, Government of Odisha. Action completed 1. Issuance of permissive possession letter is pending in Puri District. 2. Land is yet to be allotted to Cuttack District. 3. Land is allotted to Angul District but Lease Deed to be executed and physical possession to be handed over. 4. Waiver of various charges like ground rent, cess, stamp duty, registration fees etc. 5. The Energy Deptt., Govt. of Odisha to issue instruction for charging of domestic tariff to RSETI instead of commercial Tariff. 6. Building Construction not yet started for Ganjam, Gajapati and Deogarh Districts. AGENDA NO.3 Recent Policy Changes/ schemes introduced by RBI, NABARD & Govt. of Odisha Govt. of India, (a) Govt. of India Scheme: (i) PM Kisan Samman Nidhi: PM KISAN is a Central Sector scheme with 100% funding from Government of India. It has become operational from Under the scheme an income support of Rs.6000/- per year in three equal installments will be provided to small and marginal farmer families having combined land holding/ownership of upto 2 hectares. Definition of family for the scheme is husband, wife and minor children. State Government and UT Administration will identify the farmer families which are eligible for support as per scheme guidelines. The fund will be directly transferred to the bank accounts of the beneficiaries. The first installment for the period to is to be provided in this financial year itself. There are various Exclusion Categories for the scheme which is given in Annexure 1. 4

9 (ii) MSME Support & Outreach Programme : A special support and outreach campaign by SIDBI for MSMEs is implanted for 100 days from in clusters in 100 select districts of the country. Specific product lines have been identified in each district where clusters have emerged over time. In Odisha 4 districts viz. Puri for handicrafts, Cuttack for Gems and Jewellery, Jagatsinghpur for Food Processing and Bargarh for Handloom have been identified for said campaign. LDMs of the above districts with coordination of Banks, Associate MSME associations and Local Authorities are required to organize the special support and outreach programme on camp mode on every Friday. In the Sub- Committee Meeting of SLBC on MSME & Skill Development held on a detailed review was made by the house on MSME Support & Outreach Programme. The average achievement in these 4 districts of Odisha is % of the target and the achievements of all the four districts are given in Annexure-2. (iii) Interest Subvention Scheme for MSMEs: Government of India, on November 2, 2018, has announced Interest Subvention Scheme for MSMEs Small Industries Development Bank of India (SIDBI) is the single national level nodal implementation agency for the scheme. Ministry of MSME (MoMSME) has decided that Interest Subvention Scheme for Incremental credit to MSMEs 2018 will be implemented over and The salient features and operational guidelines for implementation of the captioned scheme, released by the Ministry of Micro, Small and Medium Enterprises (MSME), Government of India, is enclosed in Annexure-3. (b) RBI Policy Changes: I. RBI Guidelines on KCC Scheme- Working Capital for Animal Husbandry and Fisheries: The KCC facility will meet the short term credit requirements of rearing of animals, birds, fish, shrimp, other aquatic organisms, capture of fish. II. RBI Guidelines on Collateral free Agricultural loans: RBI, FIDD, Central Office vide letter no. RBI/ /118 dated has decided to raise the limit for collateral free agricultural loans from the existing level of Rs.1 lakh to Rs.1.60 lakh. Accordingly, banks to waive margin requirements for agricultural loans upto Rs.1.60 lakh. 5

10 III. RBI Guidelines on restructuring of advances to MSMEs: Considering the importance of MSMEs in the Indian economy for contributing significantly to the country s GDP, exports, industrial output, employment generation etc, it is considered necessary at this juncture to take certain measures for creating an enabling environment for the sector.rbi has decided to permit a one-time restructuring of existing loans to MSMEs that are in default but standard as on January 1, 2019, without an asset classification downgrade. The detail of Circulars is given in Annexure - 4. (c) Govt. of Odisha Scheme: Krushak Assistance for Livelihood and Income Augmentation (KALIA): Financing agriculture and insuring the cultivators is essential to eradicate poverty and to boost shared prosperity of the state. Through the implementation of Krushak Assistance for Livelihood and Income Augmentation - KALIA Scheme, the State Government aims to lend farmers with an all inclusive and flexible support system, ensuring accelerated agricultural prosperity. At the heart of a progressive scheme like KALIA lies the motivation to empower the farmers of the state with finance options that will enable the growth and development of agriculture in Odisha. Enhancement of the accessibility to suitable financial services will further ensure agricultural productivity and increase income among farmers, particularly the small and marginal land holders.amounting to over 10,000 crore the scheme has been tailored to relieve the debt ridden farmers from the debt trap, keeping a pragmatic vision to directly attack poverty by providing financial assistance to the vulnerable agriculture households, landless labourers as well as marginal cultivators of the state. Proposed by the Government of Odisha, KALIA scheme brings under its umbrella 92% of cultivators of the state and almost all needy landless cultivators, who can avail the benefits of this scheme through Direct Benefit Transfer Mode. AGENDA NO.4 Annual Credit Plan / Priority Sector Lending / Sectoral Financing (a) Target vs. Achievement of Annual Credit Plan (ACP) under Priority Sector Achievement under Annual Credit Plan (District wise & Bank wise) as on (LBS-MIS-II) is available at Annexure 5A. Performances under major segments of Priority Sector are noted below. 6

11 Sectoral Target Vs Achievement under ACP as on Amt in Crore Particulars Target Achievement %age Crop Loan Agri Term Loan Fishery Dairy Farm Credit Agriculture Infrastructure Ancillary Activities Agri Total Micro Enterprises Small Enterprises Medium Enterprises Khadi & Village Industries Others under MSME MSME Total Export Credit Education Housing Social Infrastructure Renewable Energy Others Priority Sector Total The House may discuss the underperformance with particular reference to lending to Fishery, Dairy, Khadi & Village Industries, Social Infrastructure & Renewable Energy. Bank group wise Achievement under ACP as on is given in Annexure 5B. Share of different banks groups in Agriculture Credit Outstanding on is given in Annexure 5C. (b) Agriculture Crop Loan & Term Loan Bank wise performance of Crop Loan & Term Loan from to is available at Annexure 6. The House may discuss ways to increase Agricultural Term Loan in Odisha. 7

12 Kissan Credit Card (KCC) The Bank wise achievement made under KCC as on is available at Annexure 7. It is observed that Banks have disbursed Rs crore in KCC accounts during to , out of which fresh KCC have been issued disbursing Rs Crore. Total outstanding balance as on is Rs crore in KCC accounts. Agriculture Allied Sectors (Fishery & Dairy) Bank wise progress made on financing under different schemes of Allied Agriculture Sector is given in Annexure 8. Disbursement for the period from to Name of the scheme No. of account Amount in Rs. Crore Dairy(Including DEDS) Fishery Poultry Other allied (Goatery, piggery etc) Total Pendency in Fisheries Sector Bank wise pendency in Fisheries Sector as provided by the Directorate of Fisheries is given in Annexure- 9. Director, Fisheries may apprise the House. Achievement of targets in Agriculture credit by different Banks in the State. Principal Secretary, Agriculture & Farmers Empowerment Department, Govt. of Odisha has expressed his displeasure in regards to achievement vis-à-vis target in Agriculture Credit by different Banks as on in Odisha State and has also directed all the Directorates & Corporations under their department to withdraw the deposits from Banks by March 2019 if they fail to achieve the said target. The above matter was also discussed in SLBC Sub-Committee on Agriculture Credit on The Controlling Heads of Banks are requested to give their comments on the aforesaid matter. 8

13 (c) Education Loan All commercial banks have disbursed Rs Crore in accounts during to The balance outstanding as on is Rs Crore in accounts. The Bank wise performance is available at Annexure 10. As on No. of Accounts Outstanding Balance Outstanding (Crore) No. of Accounts Disbursement Amount (Crore) (d) Housing Loan All Commercial Banks have disbursed Rs Crore in accounts during to The balance outstanding as on is Rs Crore in accounts. (Amount in Rs Crore) As on No. of Accounts Outstanding Balance outstanding Disbursement No. of Accounts Amount Bank wise performance as on is available at Annexure 11. AGENDA NO.5 Doubling of Farmers Income by 2022-Strategy for Odisha The Hon ble Finance Minister in his budget speech envisaged provision of income security to the farmers going beyond the concept of food security and assured that Union Government will reorient its interventions in the farm and non-farm sectors to double the income of the farmers by The details are given in Annexure 12. House may invite suggestions from the stakeholders to discuss on the ways & means for doubling the farmer s income by

14 Farmers Producers Organisation To strengthen the movement of formation and nurturing of Farmers Producer Organisations in the State of Odisha, NABARD has signed an MOU with Department of Agriculture and Farmers Empowerment, Govt., of Odisha on 13 November 2018 for promotion, nurturing and building the capacity of FPOs broadly in terms of governance, finance, market linkage including procurement, packaging and networking etc., and also to provide handholding support to existing FPOs in the State. The details are given in Annexure 13. Department of Agriculture and Farmers Empowerment, Govt., of Odisha has also drafted a comprehensive policy on promotion and nurturing of FPOs in the State to create a conducive environment for FPOs by integrating and promoting the activities involved in the field of Agriculture and allied sector, Food Processing, Agri- Business, Warehousing and Logistics Sectors through focused attention, global technologies and necessary infrastructure facilities. Director, Agriculture & Farmers Empowerment, Govt., of Odisha may apprise the House in this regard. AGENDA NO. 6 Credit Deposit Ratio The details of Bank wise deposit, advances and important Banking Key indicators as on are available at Annexure 14. CD Ratio (All Banks) Banks Basing on total utilization (including loan sanctioned outside State) of credit in the state Basing on advance sanctioned and utilized in the state Public Sector Private Sector RRBs Cooperative State

15 District Wise CD ratio (%) as of & for all Districts of Odisha SL. DISTRICT NAME Deposit (Crore) (Crore) Advance CD Ratio Deposit Advance CD Ratio 1 ANGUL BALASORE BHADRAK BARAGARH BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NAYAGARH NABARANGPUR NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH

16 Sambalpur district registered lowest CD ratio of 22.40% only on account of MCL deposit of Rs Crore. If this amount is excluded, the CD Ratio will be 48.37% It is observed that 6 districts namely Bargarh, Boudh, Dhenkanal, Jajpur, Jharsuguda, and Sonepur have achieved CD ratio of more than 60% & 09 Districts have registered CD ratio below 40%, namely, Sambalpur, Deogarh, Gajapati, Ganjam, Jagatsinghpur, Kendrapara, Malkangiri, Mayurbhanj& Puri. On , RBI conducted a review meeting of these nine districts with CD ratio below 40%. Three districts viz. Ganjam, Jagatsingpur and Malakngiri, having potential to improve their CD ratio above 40% by March 31, 2019 has been identified and all the banks having large chunk of deposits in these districts have been given target to improve their own CD ratio by 3 to 5 % to achieve the overall district level target. The Sub-Committee of DCCs for improving CD ratio should meet regularly in all such districts and the LDMs of those Districts and the Banks operating in the Districts should take needful action for improvement in CD ratio in the coming quarters. Area wise CD Ratio is at Annexure 15. AGENDA NO. 7 Financial Inclusion and Banking Infrastructure (a) Meeting of SLBC Sub-Committee on Banking Expansion: A meeting of SLBC Sub-committee on banking expansion was held on February 05, 2019 and the progress of financial inclusion in the state was reviewed. It was decided that banks will open Banking Outlets to complete the target set by Govt. of Odisha for providing the same within 5 k.m. radius of a GP and by Reserve Bank of India for all the villages by March 31, (b) Deployment of BC in the identified uncovered 2268 Villages & Opening of Brick & Mortar Branches in Aspirational Districts. DFS had advised vide their letter no. F.No.21 (23)/2014-FI dated to deploy BCs in the 2268 uncovered villages and inactive locations by extended to Accordingly 2268 nos. of villages are distributed among 23 nos. of Banks for deployment of BCs. 12

17 The status as on is as under: Sl. No. Name of Bank No. of uncovered villages allotted for Deployment of BCs No. of Villages where deployment of BC Completed No. of villages still uncovered 1 Allahabad Bank Andhra Bank Axis Bank Bank of Baroda Bank of India Canara Bank Central Bank of India Corporation Bank DCB Bank HDFC Bank ICICI Bank IDBI Bank Indian Bank Indian Overseas Bank Odisha Gramya Bank Oriental Bank of 16 Commerce Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Utkal Grameen Bank Total Nil Population 29 No Such Village 40 Villages belong to other state 2 Grand Total

18 Status of Bank Branches to be opened in Aspirational Districts in Odisha as of Sl. No. Name of District Proposed no. of branches to be opened Place Allotted to Bank Status 1 Balangir 2 Parlimal Kameimunda 1)Canara Bank 2)HDFC Bank 1) Branch opened on ) BC has been deployed. 2 Kalahandi 2 Giginia Bhawanipatna 1) Canara Bank 2) Bandhan Bank 1). Branch opened on ).Branch will be opened on 1 st week of March 19 3 Nabarangpur 1 Agnipur HDFC Bank BC has been deployed 4 Nuapada 1 Nuapada Bandhan Bank Branch opened on Rayagada 2 Rayagada Gunupur 1) Bandhan Bank 2)HDFC Bank 1). Branch opened on ). Branch will be functional from (c) Connectivity As reported by GM, BSNL, the status as on of BharatNet Phase-I covering 18 districts, 3676 no. of GPs have been connected through Optical Fibre Cable out of total 3860 GPs. The District wise details are given at Annexure 16. GM, BBNL is requested to appraise the latest position with regard. (d) Progress on implementation DBTL in our State. LPG and Bank Aadhaar Seeding Status as on (Annexure - 17) As reported by Odisha State Office, Indian Oil Bhavan, Bhubaneswar. 1. Total no of LPG distributors in the State No of LPG Consumers % of LPG Aadhaar Seeding % of Bank Aadhaar Seeding (ATC) % of Bank Account Seeding verified (BTC) % of Cash Transfer Compliant (CTC= ATC + BTC)

19 (e) Aadhaar Number Seeding As reported by the UIDAI, Bhubaneswar (Annexure - 18) 1. As on ; total population eligible for Aadhaar enrolment Total Enrolment Enrolment % on population Aadhaar generated AGENDA NO. 8 Central Government Sponsored Schemes PMFBY, DAY-NRLM, DAY-NULM, PMAY etc. (a) Crop Insurance Pradhan Mantri Fasal Bima Yojana (PMFBY) Loanee Application Count Non Loanee Application Count Total Loanee & Non Loanee Application Count Total Farmer Total Area Share (lakh) Insured (ha) Details regarding Farmer s registration for Rabi 2018 is given in Annexure-19. The following points need to be discussed: 1. Linking of bank branches to adapt crop insurance claim monitoring portal. 2. Uploading of data in PFMBY portal - raising of issues through bank nodal officers in video conference. 3. Banks are not receiving Commission from the Insurance Companies on Premium paid. Nodal Officer, PMFBY is requested to appraise the house on the issues. (b) Financing under Self Help Groups (SHGs) Performance under SHG-Bank Linkage during FY Physical Financial SHG Bank Linkage Target Rs Crore Achievement till December Rs Crore Achievement in percentage 82.63% 51.09% 15

20 The Bank-wise Achievement in FY is enclosed at Annexure 20. It has been decided in the meeting of SLBC Sub Committee on Rural Credit held on 24 th January 2019 that - Rate of Interest -All Banks need to charge 7% rate of interest for loans upto Rs 3 Lakhs to women SHGs in category 1 districts. Average Loan Size The minimum loan size in first linkage should not be less than Rs. 1.5 lakhs, so as to meet the increased credit needs of members of WSHGs. The same limit will also continue for All Controlling heads of banks are requested to advise their branches to ensure that the loan size in first linkage is at least Rs. 1.5 lakhs. Utilization Certificate - Banks who received Interest Subvention under State Scheme in Category I districts are to submit utilization certificate & SHG list. Reconciliation Banks have to reconcile the NEFT rejected cases in the Category-II districts. (c) Implementation of Pradhan Mantri Jan Dhan Yojana (PMJDY) as on No of accounts opened from to lakhs No. of accounts opened with Zero balance Rural lakhs Urban lakhs lakhs % of Zero balance accounts to total account opened 15.11% Total deposit balance under PMJDY accounts. No. of RuPay Cards issued No. RuPay Cards activated No. of Aadhaar seeded accounts % of Aadhaar seeding Rs crore lakhs lakhs lakhs 72.22% Bank wise performance on PMJDY as on is available in Annexure 21. Bankwise & Districtwise performance on BSBDA as on is available in Annexure 22. (d). Performance by Commercial Banks under Social Security Schemes as on Name of Scheme No. of Enrollments in lakhs PMSBY PMJJBY 9.59 APY 4.16 Bank wise performance in the 3 Social Security Schemes is available at Annexure

21 Insurance Claim Details under Social Security Schemes as on BANKS Claimed Settled Returned/Rejected Pending RuPay Debit Card (Rs. 1,00,000/-) TOTAL PMJJBY (Rs. 2,00,000/-) TOTAL PMSBY (Rs. 2,00,000/-) TOTAL Life Insurance Coverage under PMJDY (Rs 30,000/-) TOTAL Bank wise details of Insurance Claim Settlements made under various social security schemes are available at Annexure 24. (e). Progress of Pradhan Mantri MUDRA Yojana (PMMY) in Odisha for the period to All Banks and Financial Institutions have sanctioned an amount of Rs Crore and disbursed Rs Crores as on during the financial year Categories No. Accounts of Share in % Disbursed (Crore) amount Share % in Shishu Kishore Tarun Total Progress of Pradhan Mantri MUDRA Yojana (PMMY) in Odisha for the period to (Financial Institutions wise) Financial Institutions No. of Accounts Share in % Disbursed amount (Crore) Share in % MFIs, NBFCs & Small Finance Bank Public Sector Banks Private Sector Banks Regional Rural Banks Foreign Banks Total Bank wise, district wise & category wise report on PMMY is available at Annexure

22 (f) PMAY-Housing for all-credit Linked Subsidy Scheme (CLSS) Ministry of Housing and Urban Affairs has in June 2015 introduced CLSS under PMAU(U) in order to expand institutional credit flow to the housing needs of urban poor in implementing credit linked subsidy component as a demand side intervention. National Housing Bank (NHB) has been identified as one of the Central Nodal Agencies (CNAs) to channelize this subsidy to the lending institutions and for monitoring the progress of this component. Regional Resident Representative of NHB may apprise the House on the CLSS Scheme. (g) Stand Up India Scheme As per guidelines of Stand up India, each branch of a scheduled bank is expected to extend loans to at least one SC/ST and minimum one woman entrepreneur under his scheme. For the FY (upto Dec 18), 230 loan applications have been disbursed as per report generated from Stand up Mitra portal provided by SIDBI, Bhubaneswar. Performance under Stand up India as on Particulars Sanctioned Disbursed A/C Amount (Cr) Amount (Cr) SC/ST Women Total As reported by different banks in Stand up Mitra portal as on , Rs.3.19Crore has been disbursed in 26 accounts to SC/ ST applicants and Rs Crore has been disbursed in 204 accounts to Women applicants. (Annexure - 26) The SC / ST Welfare and Women Development Department may take lead to generate good number of application under the Scheme. SIDBI, NABARD and banks may also create more awareness about the Scheme. Government of Odisha may indicate the name of the State-level Monitoring Committee on Stand Up India so that banks can give their feedback and seek guidance. 18

23 (h) Implementation of Prime Minister s New- 15 Point Programme for Welfare of Minorities Progress / Achievement made for Financing under Minority Communities. Ministry of Finance, Govt. of India has advised that the share of credit flow to minority communities of Public Sector Banks (PSB) should be 15% of the Priority Sector Advances. During to , the Banks have extended credit of Rs crore to beneficiaries of Minority Community. The outstanding balance as on is Rs Crore in accounts. Bank wise performance is available at Annexure 27. (i) National Urban Livelihood Mission (NULM) As reported by SUDA, loan application under SEP-I for FY (upto ) is disbursed in 756 accounts against a target of 4000 accounts, under SEP-G loan accounts is disbursed against a target of 277 accounts and under SHG-Bank Linkage 1264 loan accounts is disbursed against a target of 3000 accounts.detailed Report is available at Annexure-28. (j) Joint Liability Group (JLG) Total amount disbursed for the period to is Rs Crore in accounts and balance outstanding as on is Rs Crore in accounts. Bank wise achievement as on is given in Annexure 29 (k) Artisan Credit Card (ACC) During the period of to , the Banks in the State have issued 55 no. of Artisan Credit Cards involving total amount of Rs.0.09 Crore. The balance outstanding as on is Rs Crore against 6544 accounts. The Bank wise achievement is furnished in Annexure 30. (l) Swarozgar Credit Card (SCC) 1048 SCCs have been issued for the period from to amounting to Rs.8.90 Crore. The balance outstanding as on is Rs Crore against accounts. No SCC has been issued by Private Sector Banks and a few Public Sector Banks. The performance of other Banks is not at all impressive and needs lot of improvement. The Bank wise achievement is furnished in Annexure 31. (m)coir Udyami Yojana(CUY) during : As part of rationalization of the ongoing Plan Programmes under the Ministry of MSME, Coir Udyami Yojana being implemented by Coir Board in Coir Sector has been integrated with the Prime Minister s Employment Generation Programme 19

24 (PMEGP) w.e.f However a total number of 123 CUY applications received through online CUY portal prior to the implementation of PMEGP were pending with the Banks and out of which the bank has released first instalment of loan to 7 units and the Board has released subsidy to these 7 units during the year The Bank-wise details of subsidy released under the Scheme during are given in Annexure 32 and Bank-wise details of subsidy released under CUY during , , and are enclosed as Annexure- 32a. (n) MUDRA Weavers Scheme Progress on sanction of fresh loan to Weavers / Entrepreneurs under MUDRA Weavers Scheme As against 7579 nos. of loan applications sponsored / collected by the Banks, 2431 nos. of Weavers / Entrepreneurs have been sanctioned loan to the tune of lakh. The Controlling Heads of some Banks have not submitted up to date information in this regard despite several persuasions made by Directorate of Textiles, Govt. of Odisha. The Bankwise progress on sanction of loan to the Weavers / Entrepreneurs under MUDRA Weavers Scheme upto Nov 2018 is given in Annexure 33 and the Bankwise progress during the FY (upto Nov 18) is given in Annexure 34. Settlement of pending claims towards margin money assistance and interest Subvention under WCC by NABARD Director of Textiles and Handloom, Govt. of Odisha may apprise the House in this regard. MUDRA Weavers Scheme / Weaver s Credit Card Scheme The details of the MUDRA Weavers Scheme are given in Annexure 35. Director of Textiles and Handloom, Govt. of Odisha may apprise the House in this regard. 20

25 AGENDA NO. 9 Loan Recovery Legal/Institutional Support (a) NPA & Overdue position as on The NPA % of the State is 7.80 and overdue % is which are at much higher side and alarming. Rising NPA in Odisha is a matter of great concern. The Bank wise and Sector wise NPA & Overdue position is given in Annexure 36. For PMRY / PMEGP / SJSRY (NULM)/ SHG (NRLM) / WCC, the NPA & Overdue % is too high. The Banks are facing problem to recycle the funds owing to non repayment of loans, mounting overdue and rising NPA %. Banks & Govt. Departments have to make joint efforts with specific strategies to improve the recovery performance for better recycling of funds. Sector wise NPA & Overdue % as on Sl. No. Sector NPA % Overdue % 1. Short Term Crop Loan Agriculture Term Loan Agriculture Allied Total Agriculture MSME Sector Education Loan Housing Loan Total Priority Sector Total Advance Scheme wise NPA & Overdue % as on Sl. No. Sector NPA % Overdue % r1. PMEGP & PMRY SHG NULM Weaver Credit Card Year wise NPA Position as on Year NPA %

26 Banks having NPA % above the State Average are Bank of Baroda, Bank of India CBI, Corporation Bank, IDBI, IOB, OBC, PNB, Syndicate Bank, UCO Bank, Union Bank of India, Vijaya Bank, Laxmi Vilas Bank, Federal Bank, OGB & UGB. (b) Status of OPDR cases as on no. of OPDR cases involving Rs crore are pending as on Highest number of cases (1113) are pending in Kendrapara district followed by Cuttack district (989 cases). All District Collectors have been recently advised by State authority for early disposal of pending OPDR cases. All the Lead District Managers may put their coordinated efforts to yield desired result. District wise & Bank wise report is available at Annexure 37. (c) Applications for attachment of property under Section 14 of the SARFAESI Act pending with District Magistrates Banks require adequate support from District Magistrate for quick enforcement of SARFAESI Act. The applications are remaining pending with District Magistrates in different districts for a long time for permission and assistance for taking physical possession of charged assets under the Act. It is reported that 1372 numbers of applications involving Rs Crore of different banks for attachment of property under section 14 of SARFAESI Act are pending with District Magistrates. All Lead District Managers are requested to incorporate the Agenda on pending SARFAESI applications with district magistrate, if not done, and critically review the position of pending cases in every DCC meetings and pursue the matter with the District Authorities for immediate disposal of the same as the number of pending SARFAESI applications is gradually increasing. District wise and bank wise pending list enclosed at Annexure 38. AGENDA NO. 10 (a) Govt. Sponsored Programmes PMEGP Govt. of India The Bank wise and District wise target and achievement under PMEGP of Odisha for the year (upto Dec 2018) is given in the Annexure

27 Exemption of EDP Training to disburse the loan under PMEGP: As a short-term arrangement, Ministry of MSME has exempted the EDP training criteria to disburse loan under PMEGP till The said exemption will facilitate the financial bank to disburse the first installment of loan and claim/upload Margin Money subsidy on the PMEGP online postal without waiting for completion of EDP training and to achieve the enhanced targets for the year All the pending EDP trainings pertaining to cases sanctioned upto 31 st March 2019 shall be completed during the first quarter to next FY The detail Circular is given in Annexure 40. (b) Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Scheme Govt. of India Progress made by Banks since SIDBI, Bhubaneswar has given the following information on CGTMSE Coverage in our state (Year wise). At the end of the year Proposals covered during to No. of Accounts Amount in Rs. Crore Bank wise and District wise CGTMSE coverage approval for the period to is available at Annexure 41. (c) Credit Guarantee Fund for Micro Units (CGFMU) Scheme Govt. of India Micro units amounting to Rs Crore are covered under CGFMU Scheme for the period from to Bank wise CGMFU coverage for the period to is available at Annexure

28 (d) National SC/ST Hub The National SC/ST Hub is set up to provide professional support to Scheduled Caste and Scheduled Tribe Entrepreneurs to fulfill the obligations under the Central Government Public Procurement Policy for Micro and Small Enterprises Order 2012, adopt applicable business practices and leverage the Stand Up India initiatives. The objective of the announcement is to promote enterprise culture amongst the SC/ST population. The scheme is implemented by the Ministry of MSME through National Small Industries Corporation (NSIC), a public sector undertaking under the administrstive control of this Ministry. The sceme is proposed to be applicable from the date of sanction till (e)green Climate Fund(GCF) Project- NABARD, the National Implementing Authority: As a part of green initiatives, a GCF funding of about Rs.226 crore has been sanctioned for Odisha, the first state in the country to receive the grant. This project envisages recharging of ground water and solar micro irrigation in 15 vulnerable districts of Odisha, thereby benefitting 15 lakh households. Under Green Climate Fund, one project submitted by Water Resource Department, Govt., of Odisha titled Ground water recharge and solar micro-irrigation to ensure food security and enhance resilience in vulnerable 15 districts of Odisha (Nuapada, Kandhmal, Kalahandi, Korapur, Rayagada, Gajapati, Malkangiri, Boudh, Sambalpur, Bargarh, Bolangir, Sonepur, Nabarangpur, Mayurbhanj and Keonjhar) was sanctioned by GCF on 06 April 2017 with a grant assistance of million dollars from GCF. The major activities under the project are as under: 1. Ground water recharge system through concrete adaptation. 2. Renovation of community tank 3. Integration of solar pump for irrigation 4. Crop diversification 5. Capacity Building of Stakeholders 6. Quality Management and Monitoring. AGENDA NO.11 State Govt. Sponsored Schemes Progress (a) Kalinga Sathi Sikhya Yojana (KSSY) During the Period from to , 3780 no. of accounts amounting Rs Crore has been sanctioned under the income group upto 4.50 lacs and 24

29 166 no. of accounts amounting Rs.9.79 Crore has been sanctioned under the income group from 4.50 lacs to 6.00 lacs. The Bankwise achievement under KSSY is given in Annexure 43. (b) Development with regard to the Administration of Subsidy of Women SHGs in the State of Odisha In the meeting dated on Bank Linkage of Mission Shakti SHGs under the Chairman of DC-Cum-ACS, Govt. of Odisha, Commissioner-cum-Director, Mission Shakti stated that Mission Shakti is the umbrella organization for Women SHGs in the State irrespective of urban/rural divide, or income criteria or the promoting agency whether NRLM, NULM, OTELP etc. This has led for far reaching social, political and economic empowerment among women across the State. Govt. of Odisha is committed to provide all eligible SHGs with loans at 1% annual rate of interest. An intensive IEC campaign is planned for increasing access and awareness among women s SHGs. This loan reimbursement amount should cover all eligible WSHGs irrespective of the promoting agency. Mission Shakti will be the nodal agency for disbursal of reimbursement to the banks under Interest Subvention programme. Mission shakti to be the WSHG Bank Linkage for the State. (c) Finance to Handicraft Sector Silpi Unnati Yojana (SUY) Margin money assistance is provided to individual 20% of the project cost (up to Rs.1,00,000 in seven crafts and upto Rs 50, in rest 43 crafts ) per artisan to avail bank loan for setting-up of own handicraft production unit. So far 2056 no s of applications have been sponsored by DICs/RICs for the year to different Banks and out of which 174 no. of cases have been sanctioned. The Bank wise detail is placed at Annexure-44. The Bankers are requested to sanction the cases at an early date so as to facilitate release of margin money. AGENDA NO. 12 Banks Common Concern RSETI As on , 12206rural BPL/NRLM target group youth have been trained against annual target of for the year (84% achievement) 25

30 The overall number of candidates trained as on is against annual target of (74% achievement) The Bank-wise performance under BPL as on is as follows. Bank RUDSETI SBI Bank of India CBI UCO Bank Andhra Bank %age Achievement The percentage of candidates settled as on (Cumulative) is 73% against National Average of 68%. The percentage of candidates settled with Bank finance as on (Cumulative) is 53% against National Average of 47%. The details are given in Annexure-45. State Director RSETIs may appraise the present status of pending claim of different Banks AGENDA NO-13 (a) Functioning of DCC/DLRC It was observed that DCC / DLRC meetings are not held in time and frequently rescheduled at the last minute. Even issues are not prioritized for discussion. SLBC may discuss ways to strengthen this important forum. (b) Strengthening of LDMs The DFS and RBI has been stressing for the need to improve the infrastructure at LDM offices and strengthen the office of LDM with adequate staff, vehicle, internet facility etc to enable LDM to discharge the duties effectively. Controllers of the Lead Banks are requested to provide adequate staff and other infrastructure facilities to strengthen the LDM s office. AGENDA NO. 14 Calendar of Programme for conducting SLBC Meetings SLBC Convenor Banks have been advised by RBI to prepare a yearly Calendar of Programme in the beginning of the year for convening SLBC meetings and to adhere to the schedule as per the Calendar of Programme. The detail is furnished in Annexure

31 Date of holding SLBC Meetings Quarter ended March (Tuesday) Quarter ended June (Wednesday) Quarter ended September (Thursday) Quarter ended December (Friday) In this connection, all will appreciate to note that the Calendar of Programme was conceived so as to enable members of SLBC and important functionaries to have adequate notice of the meeting and block the dates to ensure participation in the meeting. Conduct of SLBC Meetings It is observed that the Reports/Data is received from many Banks with inordinate delay, that too after constant persuasion through mails/personal contacts, resulting in delay of the consolidation process at SLBC. Further, on many occasions a lot of inconsistencies are observed in the data so submitted by Banks and a lot of time is lost in getting the corrected data. Inconsistencies are also observed in the Districtwise data being submitted by the Banks to LDMs & SLBC and reconciliation of the same is also delaying the consolidation process. Controlling Heads of Banks are requested to sensitize the staff responsible for preparation and submission of data as per time lines to enable SLBC to submit the data to all concerned as per schedule and conduct the meetings of SLBC as per the yearly calendar. 27

32 ANNEXURES

33 Annexure 1 PM Kisan Samman Nidhi - Exclusion Categories The following categories of beneficiaries of higher economic status shall not be eligible for benefit under the scheme. (a) All Institutional Land holders. (b) Farmer families in which one or more of its members belong to following categories i) Former and present holders of constitutional posts ii) Former and present Ministers/ State Ministers and former/present Members of LokSabha/ RajyaSabha/ State Legislative Assemblies/ State Legislative Councils,former and present Mayors of Municipal Corporations, former and present Chairpersons of District Panchayats. iii) All serving or retired officers and employees of Central/ State Government Ministries /Offices/Departments and its field units Central or State PSEs and Attached offices /Autonomous Institutions under Government as well as regular employees of the Local Bodies (Excluding Multi Tasking Staff /Class IV/Group D employees) vi) All superannuated/retired pensioners whose monthly pension is Rs.10,000/-or more (Excluding Multi Tasking Staff / Class IV/Group D employees) of ab

34 REPORT ON MSME SUPPORT & OUTREACH PROGRAM Annexure - 2 Report Date Name of the District Number of Loans- in Principle Approval 59 Minutes Loan No. of loans Amount Sanctioned (in lacs) Amount Disbursed (in lacs) No. of loans Mudra Loan Amount of Loans sanctioned (in lacs) Loans restructured No. of loans Amount of Loan Restructured (in lacs) CGTMSE Loans Number of Covers Granted Amount of Covers Granted (in Lacs) PMEGP Loans Number of Loans Amount of Loans (in Lacs) Pradhan Mantri Kaushal Vikas Yojna (PMKVY) Number of Loans to PMKVY trainees Amount of Loans to PMKVY trainees (in Lacs) Number of Loans to RSEITI trainees Bargarh Cuttack Paradip (Jagatsinghp ur) Puri Total RSETI Amount of Loans to RSEITI trainees (in Lacs) Name of the District Bargarh Cuttack Jan Dhan Account No. of accounts opened PMJJBY No. of MSME Employees Enrolled PMSBY No. of MSME Employees Enrolled Paradip (Jagatsinghpur) Puri Total Target for MSME Support & Outreach Program Name of the District Bargarh Cuttack District Target (MSME No.) Achv. As on date Inc./Dec. from Target % Achv Paradip (Jagatsinghpur) Puri Total

35 Annexure - 3 भ रत य रज़वर ब क RESERVE BANK OF INDIA RBI/ /125 FIDD.CO.MSME.BC.No.14/ / February 21, 2019 The Chairman/Managing Director & CEOs All Scheduled Commercial Banks (including Regional Rural Banks) Madam/Dear Sir, Interest Subvention Scheme for MSMEs As you are aware, Government of India, on November 2, 2018, has announced Interest Subvention Scheme for MSMEs A copy of the salient features and operational guidelines for implementation of the captioned scheme, released by the Ministry of Micro, Small and Medium Enterprises (MSME), Government of India, is enclosed. Small Industries Development Bank of India (SIDBI) is the single national level nodal implementation agency for the scheme. 3. You are requested to take appropriate action as envisaged for banks in the said operational guidelines and issue necessary instructions to your branches /controlling offices for successful implementation of the scheme. 4. Kindly acknowledge receipt. Yours faithfully, (Sonali Sen Gupta) Chief General Manager Encl. as above वत त य सम व शन और वक स वभ ग,क य क य र लय, 10व म जल, क य क य र लय भवन, प.ब.स.10014, म बई ट ल फ न /Tel.No: फ क स/Fax No: / / ई-म ल/ ID:cgmincfidd@rbi.org.in Financial Inclusion & Development Department, Central Office, 10 th Floor, C.O. Building, Post Box No.10014, Mumbai हद आस न ह, इसक य ग बढ़ इय च त वन रज़वर ब क र - म ल, : ड क, एसएमएस य फ न क ल क ज रए कस क भ व य गत ज नक र ज स ब क क ख त क ब य र, प सवडर आ द नह म ग ज त ह यह धन रखन य द न क स त व भ नह करत ह ऐस स त व क कस भ तर क स जव ब मत द जए " Caution: RBI never sends mails, SMSs or makes calls asking for personal information like bank account details, passwords, etc. It never keeps or offers funds to anyone. Please do not respond in any manner to such offers.

36 Annexure - 3 Interest Subvention Scheme for MSMEs Background: The Micro, Small and Medium Enterprises [MSME] sector is a significant contributor towards building up of a strong and stable national economy. Hon ble Prime Minister while launching outreach initiative for MSME sector on November 2 nd, 2018 highlighted that access to credit, access to market, technology upgradation, ease of doing business and a sense of security for employees are five key aspects for facilitating MSME sector. Twelve announcements have been made to address each of these five categories. As part of access to credit, Prime Minister announced 2% interest subvention for all GST registered MSMEs, on fresh or incremental loans. Ministry of MSME (MoMSME) has decided that a new scheme viz. Interest Subvention Scheme for Incremental credit to MSMEs 2018 will be implemented over and Salient Features of the Scheme 2.1 Purpose, Scope and Duration The Scheme aims at encouraging both manufacturing and service enterprises to increase productivity and provides incentives to MSMEs for onboarding on GST platform which helps in formalization of economy, while reducing the cost of credit. The Scheme will be in operation for a period of two financial years FY 2019 and FY Eligibility for Coverage (i) All MSMEs who meet the following criteria shall be eligible as beneficiaries under the Scheme: a. Valid Udyog Aadhar Number [UAN] b. Valid GSTN Number (ii) (iii) (iv) (v) Incremental term loan or fresh term loan or incremental or fresh working capital extended during the current FY viz. from 2 nd November 2018 and next FY would be eligible for coverage. The term loan or working capital should have been extended by Scheduled Commercial Banks. In order to ensure maximum coverage and outreach, all working capital or term loan would be eligible for coverage to the extent of 100 lakh only during the period of the Scheme. Wherever both the facilities working capital and term loan are extended to a MSME by an eligible institution, interest subvention would be made available for a maximum financial assistance of 100 lakh.

37 (vii) (viii) MSME exporters availing interest subvention for pre-shipment or post-shipment credit under Department of Commerce will not be eligible for assistance under Interest Subvention Scheme for Incremental credit to MSMEs MSMEs already availing interest subvention under any of the Schemes of the State / Central Govt. will not be eligible under the proposed Scheme. 2.3 Operational formalities 1. The interest relief will be calculated at two percentage points per annum (2% p.a.), on outstanding balance from time to time from the date of disbursal / drawal or the date of notification of this scheme, whichever is later, on the incremental or fresh amount of working capital sanctioned or incremental or new term loan disbursed by eligible institutions. 2. The interest rates charged to MSMEs shall conform to Code of Ethics and Fair Practices Code as published by respective institutions (as per extant RBI guidelines) and linked to the respective internal / external rating of the MSME as per applicable interest rate guidelines of the institution. 3. The loan accounts on the date of filing claim should not have been declared as NPA as per extant guidelines in force. No interest subvention shall be admissible for any period during which the account remains NPA. 2.4 Claim Submission 1. Nodal office of eligible lending institutions should submit their half yearly claims to SIDBI as per the format given in Annex I. Information with respect to loans disbursed and interest relief claimed (branch-wise) shall be submitted in soft copy in excel in the format given in Annex II. 2. The format for compilation of data by branches of eligible institutions is given in Annex III. The same may be submitted by the branches to their Controlling Offices / Head Offices. 3. All claims have to be duly certified by the statutory auditors of the eligible institutions. The certificate shall include statement on verification of individual accounts with regard to amount, incremental / fresh lending, interest charged and amount claimed. Lending institutions shall ensure that total relief claimed as indicated in Annex I, II and III are matched. 4. The Half Yearly claims shall be submitted to the Chief General Manager, Institutional Finance Vertical, SIDBI, Mumbai. 5. Disbursement against each claim to individual institution shall be only after release of funds from MoMSME.

38 2.5 Other covenants Annexure SIDBI shall act as a Nodal Agency for the purpose of channelizing of interest subvention to the various lending institutions through their Nodal office. 2. All lending institutions shall be responsible for submission of the accurate data and monitoring of the scheme. 3. The interest subvention would be released only on the basis of claim duly certified by the Statutory Auditors of the eligible institutions. SIDBI shall not be liable for any inaccurate submission of data by lending institutions. 4. Interest subvention amount shall be released by SIDBI subject to availability of funds from GOI. Also, MoMSME, GOI will be the final authority for all interest subvention related matters and their decision would be final and binding. Receipt of funds by the eligible institutions would be treated as Utilization Certificate of the Fund xx xx

39 Format of Certificate for claiming Subsidy (Hard copy to be submitted to SIDBI) ANNEX I Name of Lending Institution: (Amounts in Rupees) Fresh or Incremental funded Assistance on or after November 02, 2018* MSME MSME (Service Total (Manufacturing) sector) Amount of Interest Relief Claimed MSME (Manufacturing) MSME (Service sector) (1) (2) (3) (4) (5) (6) Total *This may be calculated by arriving at the difference between the opening balances viz. the principal outstanding as on November 01, 2018 minus any interest accrued. Note: i. Data for term loan and working capital accounts may be furnished separately. ii. NPA accounts may be excluded as no interest subvention shall be admissible for any period during which the account remains NPA. We hereby certify that the amounts of Fresh or Incremental Working capital sanctioned/ incremental/ new Loan disbursements and interest relief being claimed thereon, as shown above, have been correctly calculated in conformity with the Circular issued by SIDBI. We undertake that in the event of any inaccuracy detected later during audit or otherwise, we shall immediately refund to SIDBI any excess amount received by us. Place & Date (Authorized Signatory) We hereby certify that we have verified the individual accounts with regard to amount, incremental / fresh lending, interest charged and amount claimed. Place: Date: Signature of Statutory Auditor The certificate should be signed by the CA, and his membership number with ICAI should be indicated Please note this certificate is to be submitted duly certified by the statutory auditor of the lending institution; a copy of the lending institutions fair practice code and interest rate chart mapped to internal/external ratings is to be annexed with the claim.

40 S. No. Branch name and code Annex II Format for Branch wise Data to be submitted (Soft version only to be submitted) (Amounts in Rupees) Fresh or Incremental funded Assistance on or after November 02, 2018 MSME (Manufactur ing) MSME (Service Sector) Total Funded assistance disbursed eligible for subsidy MSME (Manufact uring) MSME (Service Sector) Total Amount of Interest Relief claimed MSME (Manufact uring) MSME (Service Sector) Total (1) (2) (3) (4) (4) (5) (6) (7) (8) (9) (10)

41 Annex III एमएसएमई ल भ थय क स ब ध म प Format for MSME Beneficiary अन स चत व ण ज यक ब क Name of the Scheduled Commercial Bank : श ख क न म Name of the Branch क ष य क य र लय Regional Office आ च लक क य र लय Zonal office. No ऋण ख त स. Loan Account no. ल भ ह इक ई क न म Name of the Beneficiar y Unit उ ग आध र स. Udyog Aadhar ID ज एसट प ज करण स ख य GST Regn. No. म हल / प ष Male/ Femal e म ण/अधर शहर / शहर Rural/Semiurban / Urban वतर क क ण (स म न य/ पछड़ वगर / अन स चत ज त/ अन स चत जनज त) Promoter's Category (Gen/OBC/ SC/ST) श र रक प स वकल ग Physically Challenged अल पस ख यक Minority ज़ल District र ज य State ऋण क उ श य /ग त व ध Purpose of Loan / activity इक ई क स व प (स व / व न म र ण/अन य) Type of unit (Service/ Mfg/ others) इक ई क क ष ( (स म/लघ / मध यम) Sector of Unit (Micro/S mall/med ium) उ ग /Industry * अ धश ष र श Outstandin g Amount as on 01/11/ /11/2018 क य उसक ब द वत रत व प षत सह यत / Incremental or fresh funded assistance Disbursed on or after 02/11/2018 ब य जदर ROI *As per RBI guidelines न ट: Note: 1.क पय एमएस-एक स ल प म आ कड़ भ ज / Please send the data in Ms-excel format 2.क पय क ई स त भ र न छ ड / Please do not leave any column blank. 3.क पय प म क ई प रवतर न न कर / Please do not change the format.

42 Annexure - 4 भ रत य रजवर ब क RESERVE BANK OF INDIA RBI/ /100 DBR.No.BP.BC.18/ / January 1, 2019 All banks and NBFCs regulated by the Reserve Bank of India Dear Sir/ Madam, Micro, Small and Medium Enterprises (MSME) sector Restructuring of Advances 1. Please refer to the circulars DBR.No.BP.BC.100/ / dated February 07, 2018 and DBR.No.BP.BC.108/ / dated June 6, In this regard, with a view to facilitate meaningful restructuring of MSME accounts {MSME as defined in the Micro, Small and Medium Enterprises Development (MSMED) Act, 2006} that have become stressed, it has been decided to permit a one-time restructuring of existing loans to MSMEs classified as standard without a downgrade in the asset classification, subject to the following conditions: i. The aggregate exposure, including non-fund based facilities, of banks and NBFCs to the borrower does not exceed 250 million as on January 1, ii. The borrower s account is in default but is a standard asset as on January 1, iii. iv and continues to be classified as a standard asset till the date of implementation of the restructuring. The borrowing entity is GST-registered on the date of implementation of the restructuring. However, this condition will not apply to MSMEs that are exempt from GST-registration. The restructuring of the borrower account is implemented on or before March 31, A restructuring would be treated as implemented if the following conditions are met: a. all related documentation, including execution of necessary agreements between lenders and borrower / creation of security charge / perfection of securities are completed by all lenders; and

43 2 b. the new capital structure and / or changes in the terms and conditions of the existing loans get duly reflected in the books of all the lenders and the borrower. v. A provision of 5% in addition to the provisions already held, shall be made in respect of accounts restructured under these instructions. Banks will, however, have the option of reversing such provisions at the end of the specified period, subject to the account demonstrating satisfactory performance during the specified period as defined at paragraph 5 below. vi. Post-restructuring, NPA classification of these accounts shall be as per the extant IRAC norms. vii. Banks and NBFCs shall make appropriate disclosures in their financial statements, under Notes on Accounts, relating to the MSME accounts restructured under these instructions as per the following format: No. of accounts restructured Amount ( in million) viii. All other instructions applicable to restructuring of loans to MSME borrowers shall continue to be applicable. 2. Banks and NBFCs desirous of adopting this scheme shall put in place a Board approved policy on restructuring of MSME advances under these instructions within a month from the date of this circular. The policy shall, inter alia, include framework for viability assessment of the stressed accounts and regular monitoring of the restructured accounts. 3. It is clarified that accounts classified as NPA can be restructured; however, the extant asset classification norms governing restructuring of NPAs will continue to apply. 4. As a general rule, barring the above one-time exception, any MSME account which is restructured must be downgraded to NPA upon restructuring and will slip into progressively lower asset classification and higher provisioning requirements as

44 3 per extant IRAC norms. Such an account may be considered for upgradation to standard only if it demonstrates satisfactory performance during the specified period. 5. Specified Period means a period of one year from the commencement of the first payment of interest or principal, whichever is later, on the credit facility with longest period of moratorium under the terms of restructuring package. Satisfactory Performance means no payment (interest and/or principal) shall remain overdue for a period of more than 30 days. In case of cash credit / overdraft account, satisfactory performance means that the outstanding in the account shall not be more than the sanctioned limit or drawing power, whichever is lower, for a period of more than 30 days. Yours faithfully, (Saurav Sinha) Chief General Manager-in-Charge

45 Sl DISTRICTS Crop Loan ACP FOR THE QUARTER ENDED DEC'18 (Amount in Crore) Annexure - 5A Term Loan Allied Advance Water Resources Farm Mechanisation Plantation Horticulture T A % T A % T A % T A % T A % T A % 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 United Bank of India Vijaya Bank Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Regional Rural Banks Commercial Banks Orissa State Co-Op. Bank Jana Small Finance Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! TOTAL & Forestry & Wasteland Dev. AH-Dairy

46 Sl DISTRICTS 1 Allahabad Bank 2 Andhra Bank 3 Bank of Baroda 4 Bank of India 5 Bank of Maharastra 6 Canara Bank 7 Central Bank of India 8 Corporation Bank 9 Dena Bank 10 IDBI BANK 11 Indian Bank 12 Indian Overseas Bank 13 Oriental Bank of Commerce 14 Punjab & Sind Bank 15 Punjab National Bank 16 State Bank of India 17 Syndicate Bank 18 UCO Bank 19 Union Bank 20 United Bank of India 21 Vijaya Bank Public Sector Banks 22 Axis Bank Ltd 23 Bandhan Bank 24 City Union Bank 25 DCB Bank Ltd 26 Federal Bank 27 HDFC Bank 28 ICICI Bank 29 Indus Ind Bank 30 Karnatak Bank Ltd. 31 Karur Vysya Bank 32 Kotak Mahindra Bank Ltd 33 Laxmi Vilas Bank 34 Standard Chartered Bank 35 The South Indian Bank Ltd. 36 Yes Bank Private Sector Banks 37 Odisha Gramya Bank 38 Utkal Grameen Bank Regional Rural Banks Commercial Banks 39 Orissa State Co-Op. Bank 40 Jana Small Finance Bank TOTAL ACP FOR THE QUARTER ENDED DEC'18 (Amount in Crore) Annexure - 5A Allied Advance AH-Poultry AH - Sheep /Goat/ Piggery Fishery Others Total Farm Credit T A % T A % T A % T A % T A % #DIV/0! #DIV/0! ##### #DIV/0! #DIV/0!

47 Sl DISTRICTS 1 Allahabad Bank 2 Andhra Bank 3 Bank of Baroda 4 Bank of India 5 Bank of Maharastra 6 Canara Bank 7 Central Bank of India 8 Corporation Bank 9 Dena Bank 10 IDBI BANK 11 Indian Bank 12 Indian Overseas Bank 13 Oriental Bank of Commerce 14 Punjab & Sind Bank 15 Punjab National Bank 16 State Bank of India 17 Syndicate Bank 18 UCO Bank 19 Union Bank 20 United Bank of India 21 Vijaya Bank Public Sector Banks 22 Axis Bank Ltd 23 Bandhan Bank 24 City Union Bank 25 DCB Bank Ltd 26 Federal Bank 27 HDFC Bank 28 ICICI Bank 29 Indus Ind Bank 30 Karnatak Bank Ltd. 31 Karur Vysya Bank 32 Kotak Mahindra Bank Ltd 33 Laxmi Vilas Bank 34 Standard Chartered Bank 35 The South Indian Bank Ltd. 36 Yes Bank Private Sector Banks 37 Odisha Gramya Bank 38 Utkal Grameen Bank Regional Rural Banks Commercial Banks 39 Orissa State Co-Op. Bank 40 Jana Small Finance Bank TOTAL ACP FOR THE QUARTER ENDED DEC'18 (Amount in Crore) Annexure - 5A Agriculture Infrastructure Ancillary Ativities Storage Facilities Land Dev., Soil Conservation, Watershed Dev. Others Total Agri Infra Food & Agro Processing Others T A % T A % T A % T A % T A % T A % #DIV/0! #DIV/0! #DIV/0! #VALUE! 0.00 #VALUE! #DIV/0! #DIV/0!

48 Sl DISTRICTS ACP FOR THE QUARTER ENDED DEC'18 (Amount in Crore) Annexure - 5A Ancillary Ativities Micro, Small & Medium Enterprises Total Ancillary Activities Total Agri Micro - Manufacturing Micro - Services Small - Manufacturing 1 Allahabad Bank 2 Andhra Bank 3 Bank of Baroda 4 Bank of India 5 Bank of Maharastra 6 Canara Bank 7 Central Bank of India 8 Corporation Bank 9 Dena Bank 10 IDBI BANK 11 Indian Bank 12 Indian Overseas Bank 13 Oriental Bank of Commerce 14 Punjab & Sind Bank 15 Punjab National Bank 16 State Bank of India 17 Syndicate Bank 18 UCO Bank 19 Union Bank 20 United Bank of India 21 Vijaya Bank Public Sector Banks 22 Axis Bank Ltd 23 Bandhan Bank 24 City Union Bank 25 DCB Bank Ltd 26 Federal Bank 27 HDFC Bank 28 ICICI Bank 29 Indus Ind Bank 30 Karnatak Bank Ltd. 31 Karur Vysya Bank 32 Kotak Mahindra Bank Ltd 33 Laxmi Vilas Bank 34 Standard Chartered Bank 35 The South Indian Bank Ltd. 36 Yes Bank Private Sector Banks 37 Odisha Gramya Bank 38 Utkal Grameen Bank Regional Rural Banks Commercial Banks 39 Orissa State Co-Op. Bank 40 Jana Small Finance Bank TOTAL T A % T A % T A % T A % T A % #DIV/0! #VALUE! #VALUE! #DIV/0! #DIV/0! #DIV/0!

49 Sl DISTRICTS ACP FOR THE QUARTER ENDED DEC'18 (Amount in Crore) Annexure - 5A Micro, Small & Medium Enterprises Small - Services Medium - Manufacturing Medium - Services Khadi & Village Industries Others under MSME 1 Allahabad Bank 2 Andhra Bank 3 Bank of Baroda 4 Bank of India 5 Bank of Maharastra 6 Canara Bank 7 Central Bank of India 8 Corporation Bank 9 Dena Bank 10 IDBI BANK 11 Indian Bank 12 Indian Overseas Bank 13 Oriental Bank of Commerce 14 Punjab & Sind Bank 15 Punjab National Bank 16 State Bank of India 17 Syndicate Bank 18 UCO Bank 19 Union Bank 20 United Bank of India 21 Vijaya Bank Public Sector Banks 22 Axis Bank Ltd 23 Bandhan Bank 24 City Union Bank 25 DCB Bank Ltd 26 Federal Bank 27 HDFC Bank 28 ICICI Bank 29 Indus Ind Bank 30 Karnatak Bank Ltd. 31 Karur Vysya Bank 32 Kotak Mahindra Bank Ltd 33 Laxmi Vilas Bank 34 Standard Chartered Bank 35 The South Indian Bank Ltd. 36 Yes Bank Private Sector Banks 37 Odisha Gramya Bank 38 Utkal Grameen Bank Regional Rural Banks Commercial Banks 39 Orissa State Co-Op. Bank 40 Jana Small Finance Bank TOTAL T A % T A % T A % T A % T A % #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

50 ACP FOR THE QUARTER ENDED DEC'18 (Amount in Crore) Annexure - 5A Sl DISTRICTS Total MSME Export Credit Education Housing Renewable Energy 1 Allahabad Bank 2 Andhra Bank 3 Bank of Baroda 4 Bank of India 5 Bank of Maharastra 6 Canara Bank 7 Central Bank of India 8 Corporation Bank 9 Dena Bank 10 IDBI BANK 11 Indian Bank 12 Indian Overseas Bank 13 Oriental Bank of Commerce 14 Punjab & Sind Bank 15 Punjab National Bank 16 State Bank of India 17 Syndicate Bank 18 UCO Bank 19 Union Bank 20 United Bank of India 21 Vijaya Bank Public Sector Banks 22 Axis Bank Ltd 23 Bandhan Bank 24 City Union Bank 25 DCB Bank Ltd 26 Federal Bank 27 HDFC Bank 28 ICICI Bank 29 Indus Ind Bank 30 Karnatak Bank Ltd. 31 Karur Vysya Bank 32 Kotak Mahindra Bank Ltd 33 Laxmi Vilas Bank 34 Standard Chartered Bank 35 The South Indian Bank Ltd. 36 Yes Bank Private Sector Banks 37 Odisha Gramya Bank 38 Utkal Grameen Bank Regional Rural Banks Commercial Banks 39 Orissa State Co-Op. Bank 40 Jana Small Finance Bank TOTAL T A % T A % T A % T A % T A % #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

51 ACP FOR THE QUARTER ENDED DEC'18 (Amount in Crore) Sl DISTRICTS Others Social Infra TOTAL 1 Allahabad Bank 2 Andhra Bank 3 Bank of Baroda 4 Bank of India 5 Bank of Maharastra 6 Canara Bank 7 Central Bank of India 8 Corporation Bank 9 Dena Bank 10 IDBI BANK 11 Indian Bank 12 Indian Overseas Bank 13 Oriental Bank of Commerce 14 Punjab & Sind Bank 15 Punjab National Bank 16 State Bank of India 17 Syndicate Bank 18 UCO Bank 19 Union Bank 20 United Bank of India 21 Vijaya Bank Public Sector Banks 22 Axis Bank Ltd 23 Bandhan Bank 24 City Union Bank 25 DCB Bank Ltd 26 Federal Bank 27 HDFC Bank 28 ICICI Bank 29 Indus Ind Bank 30 Karnatak Bank Ltd. 31 Karur Vysya Bank 32 Kotak Mahindra Bank Ltd 33 Laxmi Vilas Bank 34 Standard Chartered Bank 35 The South Indian Bank Ltd. 36 Yes Bank Private Sector Banks 37 Odisha Gramya Bank 38 Utkal Grameen Bank Regional Rural Banks Commercial Banks 39 Orissa State Co-Op. Bank 40 Jana Small Finance Bank TOTAL T A % T A % T A % #DIV/0! #DIV/0! #DIV/0!

52 ACP FOR THE QUARTER ENDED DEC'18 (Amount in Crore) Annexure - 5A Term Loan Allied Advance Sl DISTRICTS Crop Loan Water Resources Farm Mechanisation Plantation & Horticulture Forestry & Wasteland Dev. AH-Dairy T A % T A % T A % T A % T A % T A % 1 ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH TOTAL * Amount in Crores

53 ACP FOR THE QUARTER ENDED DEC'18 (Amount in Crore) Annexure - 5A Allied Advance Sl DISTRICTS AH-Poultry AH - Sheep/Goat/ Piggery Fishery Others Total Farm Credit 1 ANGUL 2 BALASORE 3 BARGARH 4 BHADRAK 5 BOLANGIR 6 BOUDH 7 CUTTACK 8 DEOGARH 9 DHENKANAL 10 GAJAPATI 11 GANJAM 12 JAGATSINGHPUR 13 JAJPUR 14 JHARSUGUDA 15 KALAHANDI 16 KANDHAMAL 17 KENDRAPARA 18 KEONJHAR 19 KHURDA 20 KORAPUT 21 MALKANGIRI 22 MAYURBHANJ 23 NABARANGPUR 24 NAYAGARH 25 NUAPADA 26 PURI 27 RAYAGADA 28 SAMBALPUR 29 SONEPUR 30 SUNDARGARH TOTAL * Amount in Crores T A % T A % T A % T A % T A %

54 Sl 1 ANGUL 2 BALASORE 3 BARGARH 4 BHADRAK 5 BOLANGIR 6 BOUDH 7 CUTTACK 8 DEOGARH 9 DHENKANAL 10 GAJAPATI 11 GANJAM 12 JAGATSINGHPUR 13 JAJPUR 14 JHARSUGUDA 15 KALAHANDI 16 KANDHAMAL 17 KENDRAPARA 18 KEONJHAR 19 KHURDA 20 KORAPUT 21 MALKANGIRI 22 MAYURBHANJ 23 NABARANGPUR 24 NAYAGARH 25 NUAPADA 26 PURI 27 RAYAGADA 28 SAMBALPUR 29 SONEPUR DISTRICTS 30 SUNDARGARH TOTAL * Amount in Crores ACP FOR THE QUARTER ENDED DEC'18 (Amount in Crore) Annexure - 5A Storage Facilities Land Dev., Soil Conservation, Watershed Dev. Agriculture Infrastructure Others Total Agri Infra Food & Agro Processing Ancillary Ativities Others T A % T A % T A % T A % T A % T A % #DIV/0! #DIV/0! #DIV/0!

55 ACP FOR THE QUARTER ENDED DEC'18 (Amount in Crore) Annexure - 5A Ancillary Ativities Micro, Small & Medium Enterprises Sl DISTRICTS Total Ancillary Activities Total Agri Micro - Manufacturing Micro - Services Small - Manufacturing Small - Services 1 ANGUL 2 BALASORE 3 BARGARH 4 BHADRAK 5 BOLANGIR 6 BOUDH 7 CUTTACK 8 DEOGARH 9 DHENKANAL 10 GAJAPATI 11 GANJAM 12 JAGATSINGHPUR 13 JAJPUR 14 JHARSUGUDA 15 KALAHANDI 16 KANDHAMAL 17 KENDRAPARA 18 KEONJHAR 19 KHURDA 20 KORAPUT 21 MALKANGIRI 22 MAYURBHANJ 23 NABARANGPUR 24 NAYAGARH 25 NUAPADA 26 PURI 27 RAYAGADA 28 SAMBALPUR 29 SONEPUR 30 SUNDARGARH TOTAL * Amount in Crores T A % T A % T A % T A % T A % T A %

56 ACP FOR THE QUARTER ENDED DEC'18 (Amount in Crore) Annexure - 5A Micro, Small & Medium Enterprises Sl DISTRICTS Medium - Manufacturing Medium - Services Khadi & Village Industries Others under MSME Total MSME Export Credit 1 ANGUL 2 BALASORE 3 BARGARH 4 BHADRAK 5 BOLANGIR 6 BOUDH 7 CUTTACK 8 DEOGARH 9 DHENKANAL 10 GAJAPATI 11 GANJAM 12 JAGATSINGHPUR 13 JAJPUR 14 JHARSUGUDA 15 KALAHANDI 16 KANDHAMAL 17 KENDRAPARA 18 KEONJHAR 19 KHURDA 20 KORAPUT 21 MALKANGIRI 22 MAYURBHANJ 23 NABARANGPUR 24 NAYAGARH 25 NUAPADA 26 PURI 27 RAYAGADA 28 SAMBALPUR 29 SONEPUR 30 SUNDARGARH TOTAL * Amount in Crores T A % T A % T A % T A % T A % T A % #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

57 ACP FOR THE QUARTER ENDED DEC'18 (Amount in Crore) Annexure - 5A Sl DISTRICTS Education Housing Renewable Energy Others Social Infra TOTAL 1 ANGUL 2 BALASORE 3 BARGARH 4 BHADRAK 5 BOLANGIR 6 BOUDH 7 CUTTACK 8 DEOGARH 9 DHENKANAL 10 GAJAPATI 11 GANJAM 12 JAGATSINGHPUR 13 JAJPUR 14 JHARSUGUDA 15 KALAHANDI 16 KANDHAMAL 17 KENDRAPARA 18 KEONJHAR 19 KHURDA 20 KORAPUT 21 MALKANGIRI 22 MAYURBHANJ 23 NABARANGPUR 24 NAYAGARH 25 NUAPADA 26 PURI 27 RAYAGADA 28 SAMBALPUR 29 SONEPUR 30 SUNDARGARH TOTAL * Amount in Crores T A % T A % T A % T A % T A % T A %

58 Annexure - 5B Sl Bank group wise Achievement under ACP as on Amt. in crore Priority Sector Name of Bank Target Achievement % Public Sector Banks Private Sector Banks Regional Rural Banks Co-operative Banks Small Finance Bank #DIV/0! TOTAL

59 Annexure - 5C Share of different banks groups in Agriculture Credit Outstanding on Amount in Crore Name of the banks Amount outstanding Share in % Public Sector Banks Private Sector Banks RRBs OSCB Small Finance Bank Total

60 Sl Name Of Bank Target ( ) Crop Loan Disbursement ( to ) Financing under Agriculture as on Balance Outstanding as on Target Total Agricultural Term Loan Disbursement ( to ) Balance Outstanding as on Target (2018- Total Agriculture Disbursement ( to ) Annexure - 6 Amount in Crore Balance Outstanding as on ( ) 19) No Amt No Amt No Amt No Amt No Amt No Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total Commercial Banks Orissa State Co-Op. Bank Total of Co-op Bank Jana Small Finance Bank Total Small Finance Bank Grand Total

61 Sl FINANCING UNDER KISSAN CREDIT CARD SCHEME UP TO Name of Bank Annexure - 7 A/c Amt. A/c Amt A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Ltd Federal Bank HDFC Bank ICICI Bank IndusInd Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBs Commercial Banks Orissa State Co-Op. Bank Jana Small Finance Bank TOTAL No. of KCCs issued from to Total amount disbursed in KCC(Fresh+Existing)during to (Amount in Crores) Balance O/S as on

62 Sl Name of Bank Financing under various Allied Agriculture schemes as on Dairy(Including DEDS) Disbursement ( to Balance outstanding as on Disbursement ( to Poultry Balance outstanding as on Disbursement ( to Amount in Crores Others(Goatery,Piggery etc.) ) ) ) ) A/c Amt. A/c Amt A/c Amt A/c Amt. A/c Amt A/c Amt A/c Amt. A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBs Commercial Banks Orissa State Co-Op. Bank Total of Co-op Bank Jana Small Finance Bank Total Small Finance Bank TOTAL Fishery Balance outstanding as on Disbursement ( to Annexure - 8 Balance outstanding as on

63 Bank Wise Pendency of Fisheries Sector Abstract Annexure - 9 Sl. Name of the Bank No. of Cases Water area in Ha. Pending status in lakh State Bank of India UCO Bank of India Syndicate Bank United Bank of India Credit Co-operative Bank Andhra Bank Union Bank of India Bank of Baroda Indian Bank Indian Overseas Bank Allahabad Bank Canara Bank Central Bank of India Regional Gramya Bank Punjab National Bank Axis Bank ICICI bank HDFC Bank Dena Bank Corporation Bank Grand Total

64 Sl Name of Bank 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 United Bank of India Vijaya Bank Public Sector Banks Loan amount less than 10 lacs Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBs Commercial Banks Orissa State Co-Op. Bank Total of Co-op Bank Jana Small Finance Bank Total Small Finance Bank TOTAL PROGRESS UNDER EDUCATION LOAN AS OF Loan amount more than 10 lacs Disbursement from Balance O/S as on Amount Of Disbursement from Balance O/S as Amount Of Disbursement from Balance O/S as to Interest subsidy to on Interest subsidy to on A/C Amt A/C Amt received A/C Amt A/C Amt received A/C Amt A/C Amt Annexure - 10 Amount in Crores Amount Of Interest subsidy received TOTAL

65 Annexure - 11 PERFORMANCE UNDER HOUSING LOAN AS ON (Amount in Crores) Sl No. Name of Bank Disbursement made during the current year ( to ) Balance outstanding as on No of A/c Amt. No of A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total of Commercial Banks Orissa State Co-Op. Bank Total of Co-operative Jana Small Finance Bank Total Small Finance Bank Grand Total

66 Annexure - 12 DOUBLING OF FARMERS INCOME BY 2022 Introduction The Hon ble Finance Minister in his budget speech envisaged provision of income security to the farmers going beyond the concept of food security and assured that Union Government will reorient its interventions in the farm and non-farm sectors to double the income of the farmers by Hon ble Prime Minister, also gave a seven point strategy to achieve doubling of agriculture income. The seven key strategies spelt out by Prime Minister are as follows; Irrigation with focus on water-use efficiency Per drop more crop ; quality seed and soil health, Investments in warehouses and cold chains; Value addition through food processing; Electronic National Agriculture Market (e-nam); Increase in the coverage and effective implementation of the new crop insurance scheme Pradhan MantriFasalBimaYojana (PMFBY); Promotion of ancillary activities like dairy, poultry, bee-keeping and fisheries NABARD through its credit planning at district and state levels, suggests a few inputs for the strategies at district and state levels in this chapter. Recommendation of National seminar on doubling of farmers income by 2022 The major action points and recommendations emanating from the national seminar on doubling farmers income by 2022 can be a guiding force to achieve the same in the State of Odisha. The major recommendations are given below Increasing in farm productivity Diversification of activities Agriculture market reforms and rural infrastructure Credit facilities to farmers Synergy in Government programme Land issues Reduction in farmers expenditure Infrastructure and other constrains that constrain income growth in Odisha The population of Odisha State is million (2011) out of which 3.28 million are farmers. The Cultivable land is lakh ha, Cultivated land is lakh ha and Land Holding is 4.67 million (92% SF &MF). Irrigation potential Created in the State is 59% whereas Irrigation potential utilised is 66% of created. The contribution of Agriculture to GDP is 19.9% ( at current prices) and 60% of population are engaged in agriculture. Further, 53% of the cultivated land goes for paddy cultivation only. The average monthly income of agriculture household is Rs.4976 (NSSO ) against that the corresponding consumption expenditure is Rs.4307 leaving very little for investment in agriculture. The major expenses in crop production are for fertiliser and human labour.

67 The constraints in Odisha for agriculture growth are frequent occurrence of natural calamities and impact of climate change, uneven and erratic rainfall (80% rain received between June- Sept), 70% of land are acidic in reaction, 2/3rd of the crops grown rain fed, 4 lakh hectares flood prone, 1.5 lakh ha saline prone and ha water logged, 92% operational holdings small and marginal, average holding size 1.04 ha, farm power consumption 1.55 kw/ha and only 27% ground water potential have been exploited. Measures taken by State Government for increasing Farmers income Government of Odisha has taken a number of measures for increasing the income of the farmers. The State has formulated a Comprehensive State Agriculture Policy, prepares the separate budget for agriculture with substantial increase in budget outlay and has separate cabinet for agriculture to speed up the process of policy decisions. The 10 agroclimatic zones are favourable for growing most of the crops, bright sunshine hours with annual average rainfall of 1451 mm and abundant water resources, large stretches of fertile land especially in river deltas, large extension machinery networked up to Gram Panchayats level, self-sufficiency in quality paddy seed production are the strengths of agriculture sector of Odisha. There is huge scope for horticulture sector, low yield in most crops offer an opportunity to exploit the yield potentials, rice fallows can be gainfully utilised to enhance pulses and oilseeds production, huge scope for organic farming which can be spread in a big way, unorganised value chain and forward linkages provide huge scope for commercialisation of agriculture and promotion of agribusiness. Odisha has started planning for increasing net farm income and double the same by Strategy for doubling of Farmers income by 2022 in Odisha During the regional seminar conducted by NABARD on Doubling Farmers Income by 2022 in close coordination and collaboration with Ministry of Agriculture and Farmers Welfare, Government of India and Department of Agriculture and Farmers Empowerment, Government of Odisha at Bhubaneswar on 20th October 2016, the following strategy and State specific action plan were deliberated by Govt. of Odisha on doubling farmers income by 2022 a. Increasing production and productivity Increasing seed replacement rate (SRR)- (Pulses-20%, Oilseeds-33%) thereby increasing production by 15%) Introduction of Stress Tolerant varieties in calamity prone areas. (MoU with IRRI, ICRISAT, AVRDC, ICARDA to evolve varieties and technologies) Soil health Management: Management of Acid Soils (70% of soil Acidic, 13 lakh ha- ph= 5.5 & below: 10 lakh hectares to be treated by 2022). Reclaim water logged soils (40000 hectares out of hectares) and Saline soils (1.0 lakh hectares out of 1.5 lakh hectares) within 5 years. Increasing Irrigation potential and Pressurised Irrigation systems including fertigation (more crop per drop: Improving water productivity) Emphasis on farm Mechanisation thereby increasing productivity upto 12-34% and cropping intensity by 5-22%. ) Weather based appropriate crop advisory upto Gram Panchayatlevel.

68 b. Reducing cost of cultivation Judicious input management (Fertiliser application based on soil test based recommendations). Seed and Planting material treatment with bio fertilisers (NMOOP, NFSM etc.), Production and Application of green Azolla and BGA. (Chemical fertilisers when used in conjunction with bio-fertilisers and green manures the dose of nitrogen fertilisers can be reduced upto 25%). Low cost or no cost techniques of cultivation (line sowing/ transplanting, maintaining optimum plant population, pest surveillance, timely intercultural operations and irrigation, need based plant protection). Irrigation water saving devices; Sprinklers, drip irrigation, rain guns and High density poly ethylene pipes would be popularised under NMOOP, NMSA, PMKSY, NFSM, and State Plan. Additional subsidy would be provided under State Plan schemes to encourage more farmers to adopt the technique. Farm power input KW/ha; to be increased to 2.0 KW/ha in 5 yrs. Paddy transplanters& seed drills would be popularised (Promotion of line sowing and transplanting in 3 lakh hectares by 2022) 4 lakh hectares will be covered under line sowing by adopting DSR with precision seed drills, Seed-cum-fertiliser drills, Zero till seed drills etc. in upland crops. Post-harvest equipments (Multi crop Thresher, Reaper-cum-binder, Dal processor) 8000 solar photo voltaic pumpsets will be popularised across the State. c. Adoption of scientific and improved package of practices Line sowing and line transplanting would be adopted in every field. SRI would be adopted in at least 3 lakh ha.and100% Seed treatment would be ensured. Area under pulses would be enhanced by targeting rice fallows & current fallows, bund planting in field bunds etc. Cropping intensity will be enhanced by creating additional irrigation potential, in situ moisture conservation and accommodating more crops in the same land. 5 lakh hectares of Current fallows would be cropped. Single bud chip method and planting of tissue culture seedling of sugarcane would be promoted. New, high yielding or hybrid varieties of different crops will be promoted. 31 model agricultural farms are being developed as training hubs for farmers on advanced technologies in crop production. d. Crop diversification and substitution The State Government acknowledge that crop diversification will enhance farmers farm income by 10-15%. The Government is planning to adopt various strategies to diversify 3 lakh ha by 2022 to crops which is suitable to the area and will enhance farmers income.

69 e. Agriculture marketing and processing Post-harvest losses account for 25-35% of the agriculture produce at present. The major cause identified is inappropriate forward linkage. Government of India have taken a number of measures in these areas. Government of Odisha also have taken a number measures in these direction. Agro-processing sector would be given greater emphasis. Capital Investment subsidy would be also extended for promoting agrienterprises. (Mini Rice Mills/ and Dal Mills/ Oil Mills would be promoted to process 3-5% of the total food grains and oilseeds produced). Marketing reforms to make trade of agri-produces more transparent Marketing network (AGMARKNET, E-NAM, Agro Tele-marketing Canter etc.) have been established and will be strengthen. Farmers would be organised to Commodity Interest Groups (CIGs) or Farm Interest Groups (FIGs) or Producer Organisations to have greater bargaining power. Infrastructure development of marketing hubs with sorter, grader, cold storages, cold chains, information kiosks etc., would be taken up on a priority basis. f. Agriculture Extension Extension reforms to make the machinery more responsive and cater to the farmers need. Input dealers &KrushakSathis would be developed as an alternate extension. Increased application of user friendly ICT tools, establishment of Information Kiosks and mass media. Instituting awards for farmers, extension functionaries and scientists for outstanding contribution to growth of agriculture. Adopting of agricultural practices which sustainably increases production, enhances adaptation to climate change, mitigates CHGs and enhances achievement of national food security and development goals (Climate Smart Agriculture)

70 Annexure - 13 Farmers Producers Organisation Producer Organisations (POs) are formed by collectivisation of small and marginal farmers for better realisation of income through economies of scale. The Producers Organisations can be Producer Groups, Producer Companies or Farmers Interest Groups registered under various legal provisions. Considering the positive outcome of the pilot projects undertaken by NABARD, NABFINS, BASIX and SFAC, the GoI has identified promotion and strengthening of Farmers Producers Organisation (FPO) as one of the key strategies to achieve inclusive agricultural growth during 12 th Five Year Plan period. The Union Finance Minister while presenting Union Budget for , announced setting up of Producers Organisation Development and Upliftment Corpus (PRODUCE) Fund of 200 crore in NABARD to be utilised for promotion of 2,000 Farmer Producer Organisations (FPOs) in the next two years across the country. Under PRODUCE Fund, NABARD has sanctioned grant assistance of 906 lakh for promotion and nurturing of 100 FPOs spread over 27 districts involving 32 Producer s Organisations Promoting Institutions (POPIs) during All these FPOs have already been registered under the Companies Act. Considering the importance of collectivisation, NABARD has decided to promote 3000 new Farmers Producer Organisations across the country during , out of which 225 new FPOs were promoted in Odisha during To strengthen the movement of formation and nurturing of Farmers Producer Organisations in the State of Odisha, NABARD has signed an MOU with Department of Agriculture and Farmers Empowerment, Govt., of Odisha on 13 November 2018 for promotion, nurturing and building the capacity of FPOs broadly in terms of governance, finance, market linkage including procurement, packaging and networking etc., and also to provide handholding support to existing FPOs in the State. Department of Agriculture and Farmers Empowerment, Govt., of Odisha has also drafted a comprehensive policy on promotion and nurturing of FPOs in the State to create a conducive environment for FPOs by integrating and promoting the activities involved in the field of Agriculture and allied sector, Food Processing, Agri-Business, Warehousing and Logistics Sectors through focused attention, global technologies and necessary infrastructure facilities. There are a number of Farmers Collectives like PaniPanchayats, Watershed groups, Self-help groups, Farmers Clubs Federations, Joint Forest Management groups, etc., existing in rural areas in the State which can play a very important role in aggregation and marketing of farm produce. They require adequate capacity building measures in areas of governance, preparation of business plans, market linkage and compliance related issues to function as Farmers Producer Companies along with the much needed working capital to expand their business operations.

71 No. of Branches Total Deposit Advance Utilized in The State Advance Sanctioned & Utilized in the State Total P.S. Advance Total Finance to Agril Advance to MSME Advance to Services Sector Total Adv. to Weaker Section Total Adv. to DRI Advance to Women Total Adv. to SC/ST Investment In state govt. Bonds BANKING KEY INDICATOR AS ON Annexure - 14 Amount in Crores Sl No. Name of Bank 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs RIDF(NABARD) Total Commercial Banks Orissa State Co-Op. Bank Total of Co-operative bank Jana Small Finance Bank Total Small Finance Bank GRAND TOTAL

72 No. of Branches GROSS NPA % of NPA to Total Advance CD Ratio % of P.S Adv to Total Adv % of Agril Finance to Total Advance % of Adv. To Weaker Section to PS Adv. % of DRI Advance to Total Advance % of Advance to Women to Total Advance Creadit & Investment/Deposi t ratio BANKING KEY INDICATOR AS ON Annexure - 14 Amt.in Crores Sl No. Name of Bank 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs RIDF(NABARD) Total Commercial Banks Orissa State Co-Op. Bank Total of Co-operative bank Jana Small Finance Bank Total Small Finance Bank GRAND TOTAL

73 Sl No. Name of Bank No. of Branches Rural Deposit Advance CD Ratio No. of Branches Semi Urban Annexure - 15 BANK-WISE & AREA WISE DEPOSITS ADVANCES & CD RATIO AS ON (Amt. in Crores) Deposit Advance CD Ratio 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd #DIV/0! Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs RIDF(NABARD) Total Commercial Banks Orissa State Co-Op. Bank Total of Co-op Bank Jana Small Finance Bank #DIV/0! Total Small Finance Bank #DIV/0! Grand Total

74 Sl No. BANK-WISE & AREA WISE DEPOSITS ADVANCES & CD RATIO AS ON Name of Bank No. of Branches Deposit Advance CD Ratio Total No of Branches Deposit Advance CD Ratio 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs RIDF(NABARD) Total Commercial Banks Urban Annexure #DIV/0! Orissa State Co-Op. Bank Total of Co-op Bank Jana Small Finance Bank Total Small Finance Bank Grand Total Total Amt.in Crores

75 BharatNet Phase - I State Odisha ( Report as on ) Annexure Status of OFC Testing (PLB + OFC Pulled + OFC Tested) Sl No Name of the District 1 Boudh Cuttack Deogarh Dhenkanal Gajapati Ganjam Jagatsinghpur Kalahandi Kandhamal Kendrapada Keonjhar Khurda Mayurbhanja Nayagarh Puri NO of GPs No Of Blocks No Of GPs where OFC has been laid No of GPs with OFC E-E Tested including BHQ No of GPs inclu. BHQ Service Ready 16 Balasore Jajpur Bhadrak Total No of GPs inclu. BHQ Service Opened

76 DBT - LPG Status of Odisha as on Annexure - 17 Sl No District No. of Distributors No. of LPG Consumers LPG Aadhaar Seeding LPG Aadhaar Seeding Bank Aadhaar Seeding (ATC) Bank Aadhaar Seeding (ATC) BTC Count Bank Account Seeding Verified (BTC) Overall CTC (ATC+BTC) Overall CTC (ATC+BTC) Overall 1 ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHORDHA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH Total

77 Annexure-18 Name of the District Total Enrolments % Population Population from 5 Population Total Aadhaar UID% on Sl District Population Enrolments on Population below 5 years years to 18 years above 18 years Generated Population 1 ANGUL BALASORE BARGARH BHADRAKH BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHORDHA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH Total Aadhaar Generation Report as on

78 Farmers' Registration for Rabi 2018 Annexure - 19 State Name Scheme Name Season Name Year District Name Application Source Loanee Applicatio n Count Non Loanee Application Count Total Total Farmer Share (in Lakh) Total State Share (in Lakh) Total GOI Share (in Lakh) Total Sum Insured (in Lakh) Total Area Insured (in Lakh) ODISHA PMFBY Rabi 2018 Bargarh BANK ODISHA PMFBY Rabi 2018 Bargarh CSC ODISHA PMFBY Rabi 2018 Bargarh FARMER Total ODISHA PMFBY Rabi 2018 Puri BANK ODISHA PMFBY Rabi 2018 Puri CSC ODISHA PMFBY Rabi 2018 Puri FARMER Total ODISHA PMFBY Rabi 2018 Sambalpur BANK ODISHA PMFBY Rabi 2018 Sambalpur CSC Total ODISHA PMFBY Rabi 2018 Baleshwar BANK ODISHA PMFBY Rabi 2018 Kalahandi BANK ODISHA PMFBY Rabi 2018 Kalahandi CSC ODISHA PMFBY Rabi 2018 Kalahandi FARMER Total ODISHA PMFBY Rabi 2018 Bhadrak BANK ODISHA PMFBY Rabi 2018 Bhadrak CSC Total ODISHA PMFBY Rabi 2018 Balangir CSC ODISHA PMFBY Rabi 2018 Balangir BANK ODISHA PMFBY Rabi 2018 Balangir FARMER Total ODISHA PMFBY Rabi 2018 Nuapada CSC ODISHA PMFBY Rabi 2018 Nuapada BANK ODISHA PMFBY Rabi 2018 Nuapada FARMER Total ODISHA PMFBY Rabi 2018 Nabarangapur BANK ODISHA PMFBY Rabi 2018 Subarnapur BANK ODISHA PMFBY Rabi 2018 Subarnapur CSC ODISHA PMFBY Rabi 2018 Subarnapur FARMER Total ODISHA PMFBY Rabi 2018 Baudh CSC ODISHA PMFBY Rabi 2018 Baudh BANK ODISHA PMFBY Rabi 2018 Baudh INTERMEDIA Total ODISHA PMFBY Rabi 2018 Kendrapara CSC ODISHA PMFBY Rabi 2018 Kendrapara BANK Total ODISHA PMFBY Rabi 2018 Koraput BANK ODISHA PMFBY Rabi 2018 Koraput CSC Total

79 State Name Scheme Name Season Name Year District Name Application Source Loanee Applicatio n Count Non Loanee Application Count Total Total Farmer Share (in Lakh) Total State Share (in Lakh) Total GOI Share (in Lakh) Total Sum Insured (in Lakh) Total Area Insured (in Lakh) ODISHA PMFBY Rabi 2018 Mayurbhanj CSC ODISHA PMFBY Rabi 2018 Mayurbhanj BANK Total ODISHA PMFBY Rabi 2018 Dhenkanal CSC ODISHA PMFBY Rabi 2018 Dhenkanal BANK Total ODISHA PMFBY Rabi 2018 Jajapur BANK ODISHA PMFBY Rabi 2018 Jajapur CSC Total ODISHA PMFBY Rabi 2018 Khordha BANK ODISHA PMFBY Rabi 2018 Nayagarh BANK ODISHA PMFBY Rabi 2018 Nayagarh CSC Total ODISHA PMFBY Rabi 2018 Cuttack BANK ODISHA PMFBY Rabi 2018 Cuttack CSC Total ODISHA PMFBY Rabi 2018 Kandhamal CSC ODISHA PMFBY Rabi 2018 Anugul BANK ODISHA PMFBY Rabi 2018 Anugul CSC Total ODISHA PMFBY Rabi 2018 JagatsinghapurBANK ODISHA PMFBY Rabi 2018 Sundargarh BANK ODISHA PMFBY Rabi 2018 Sundargarh CSC Total ODISHA PMFBY Rabi 2018 Kendujhar BANK ODISHA PMFBY Rabi 2018 Kendujhar CSC Total ODISHA PMFBY Rabi 2018 Debagarh CSC ODISHA PMFBY Rabi 2018 Debagarh FARMER Total ODISHA PMFBY Rabi 2018 Ganjam BANK ODISHA PMFBY Rabi 2018 Jharsuguda CSC ODISHA PMFBY Rabi 2018 Gajapati BANK ODISHA PMFBY Rabi 2018 Malkangiri BANK Grand Total

80 Annexure - 20 Bank wise Achievement under Self Help Groups for the Quarter from to Amt in Lakhs Sl Bank Name Target (Annual) Achievement % Financial Average Balance O/S A/C Amt A/C Amt A/C Amt Loan size A/C Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena 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 Public Sector Banks Axis Bank #DIV/0! Bandhan Bank #DIV/0! DCB Bank #DIV/0! Federal Bank HDFC Bank ICICI Bank IndusInd Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBs OSCB TOTAL

81 PRADHAN MANTRI JAN DHAN YOJNA PROGRESS REPORT ON NO. OF ACCOUNTS OPENED UNDER PMJDY : UP TO NAME OF STATE: ODISHA Annexure - 21 NO OF ACCOUNTS OPENED SR.NO. BANKS E-KYC WITHOUT AADHAAR SUB TOTAL TOTAL RURAL URBAN RURAL URBAN RURAL URBAN (RURAL+URBAN) 1 PSBs 1,771, ,158 5,691,903 2,605,829 7,463,005 3,521,987 10,984,992 2 SPONSORED RRBs ,583,767 51,114 1,583,802 51,337 1,635,139 3 PRIVATE SECTOR BANKS 94,134 28, , , , , ,003 4 TOTAL (1+2+3) 1,865, ,600 7,406,671 2,873,592 9,271,942 3,818,192 13,090,134

82 SL NO NAME OF THE BANK PRADHAN MANTRI JAN DHAN YOJNA PROGRESS REPORT ON NO. OF ACCOUNTS OPENED UNDER PMJDY : UP TO NO OF ACCOUNTS OPENED NAME OF STATE:ODISHA NO. OF PMJDY TOTAL DEPOSIT OF ACCOUNTS PMJDY ACCOUNTS WITH ZERO TOTAL (Lacs) BALANCE Annexure - 21 RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 Ltd Bandhan Bank City Union Bank Ltd DCB Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnataka Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd YES Bank Odisha Gramya Bank Utkal Grameen Bank Orissa State Co-Op. Bank TOTAL E-KYC WITHOUT AADHAAR TOTAL AADHAAR SEEDED ACCOUNTS RUPAY CARD ISSUED RUPAY CARD ACTIVATED PASSBOOKS ISSUED

83 Annexure - 22 Number of Households having Basic Savings Bank Deposit Accounts(BSBDA) as on Sl.No BankName BSBD A/Cs Opened RuPay Cards Issued % of Rupay Card Issued to BSBD A/Cs No Of BSBD A/Cs With Aadhaar No Aadhaar Seeding % 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 United Bank of India Vijaya Bank Total Public Sector Bank Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRBs Total of Commercial Banks

84 Annexure - 22 Number of Households having Basic Savings Bank Deposit Accounts(BSBDA) as on Sl.No DistrictName BSBD A/Cs Opened RuPay Cards Issued % of Rupay Card Issued to BSBD A/Cs No Of BSBD A/Cs With Aadhaar No Aadhaar Seeding % 1 ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH Grand Total

85 Performance of Banks under Social Security Schemes as on Annexure - 23 Pradhan Mantri Suraksha Bima Yojana - PMSBY Pradhan Mantri Jeevan Jyoti Bima Yojana - PMJJBY Atal Pension Yojana - APY Sl BANKS Urban Rural Total Total Urban Rural Total Total Urban Rural Total Total Male Female Male Female Male Female Lives Male Female Male Female Male Female Lives Male Female Male Female Male Female Lives 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 Ltd Bandhan Bank City Union Bank Ltd DCB Federal Bank HDFC Bank ICICI Bank IndusInd Bank Karnataka Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd YES Bank Odisha Gramya Bank Utkal Grameen Bank Orissa State Co-Op. Bank Jana Small Finance Bank TOTAL ####

86 Insurance Claim Pending Status under PMJDY, PMSBY & PMJJBY as on Annexure - 24 SL Bank Name RuPay Debit Card (Rs 1,00,000/-) PMJJBY (Rs 2,00,000/-) PMSBY (Rs 2,00,000/-) Life Insurance - PMJDY (Rs 30,000/-) Claimed Settled Rejected Pending Claimed Settled Rejected Pending Claimed Settled Rejected Pending Claimed Settled Rejected Pending 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of 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 Ltd Bandhan Bank City Union Bank DCB Ltd Federal Bank HDFC Bank ICICI Bank IndusInd Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Laxmi Vilas Bank Standard Chartered The South Indian Bank Yes Bank Odisha Gramya Bank Utkal Grameen Bank Jana Small Finance TOTAL

87 Category wise performance under Pradhan Mantri MUDRA Yojana (PMMY) from to Annexure - 25 Amount in Crores Category Shishu (Loans up to Rs. 50,000) Kishore (Loans from Rs. 50,001 to Rs Lakh) Tarun (Loans from Rs to Rs Lakh) Total No Of A/Cs Sanctioned Amt Disbursement Amt Outstanding Amt No Of A/Cs Sanctioned Amt Disbursement Amt Outstanding Amt No Of A/Cs Sanctioned Amt Disbursement Amt Outstanding Amt No Of A/Cs Sanctioned Amt Disbursement Amt Outstanding Amt General SC ST OBC TOTAL Out of above Women Enterpreneurs New Enterpreneurs / Accounts Minority PMJDY OD Account Mudra card NULM NRLM Other Govt. Sponsored Prog

88 District District wise performance under Pradhan Mantri MUDRA Yojana (PMMY) from to Shishu Kishore Tarun Total Annexure - 25 Amount in Crores No Of A/Cs Sanctioned Amt Disbursement Amt No Of A/Cs Sanctioned Amt Disbursement Amt No Of A/Cs Sanctioned Amt Disbursement Amt No Of A/Cs Sanctioned Amt Disbursement Amt Angul Balangir Balasore Bargarh Bhadrak Boudh Cuttack Deogarh Dhenkanal Gajapati Ganjam Jagatsinghpur Jajpur Jharsuguda Kalahandi Kandhamal Kendrapara Keonjhar Khordha Koraput Malkangiri Mayurbhanj Nabarangpur Nayagarh Nuapada Puri Rayagada Sambalpur Sonepur Sundargarh Other Total

89 Bank / Financial Institution No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt Public Sector Commercial Banks No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt State Bank of India 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 Indian Overseas Bank Oriental Bank of Commerce 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 Annexure - 25 Bank wise performance under Pradhan Mantri MUDRA Yojana (PMMY) from to Shishu Kishore Tarun (Loans up to Rs. 50,000) (Loans from Rs. 50,001 to Rs Lakh) (Loans from Rs to Rs Lakh) Total (Amt. in Crores) Federal Bank Karnataka Bank Karur Vysya Bank

90 Bank / Financial Institution No Of A/Cs Shishu Kishore Tarun (Loans up to Rs. 50,000) (Loans from Rs. 50,001 to Rs Lakh) (Loans from Rs to Rs Lakh) Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Total (Amt. in Crores) Sanction Amt Disbursement Amt Lakshmi Vilas Bank Ratnakar Bank Tamilnad Mercantile Bank ICICI Bank Axis Bank IndusInd Bank Yes Bank HDFC Bank DCB Bank Kotak Mahindra Bank Bandhan Bank Total Foreign Banks Citibank Total Regional Rural Banks Odisha Gramya Bank Utkal Grameen Bank Total Micro Finance Institutions NON NBFC-Micro Finance Institutio Total NBFC-Micro Finance Institutions Vedika Credit Capital Ltd Annapurna Microfinance Pvt. Ltd Village financial services pvt ltd Muthoot microfin ltd Jagaran Microfin Pvt. Ltd Spandana sphoorty financial limited

91 Bank / Financial Institution Grameen Koota Financial Services Private Limited No Of A/Cs Shishu Kishore Tarun (Loans up to Rs. 50,000) (Loans from Rs. 50,001 to Rs Lakh) (Loans from Rs to Rs Lakh) Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Total (Amt. in Crores) Sanction Amt Disbursement Amt Madura Micro Finance Limited Share microfin limited Belstar investment and finance private limited Svatantra Microfin Private Limited Satin Creditcare Network Limited Asirvad microfinance pvt. Ltd Fusion microfinance pvt. Ltd Arohan financial services pvt. Ltd Sks microfinance limited Total Non Banking Financial Companies Reliance Capital Ltd Capital First Limited Magma Fincorp Limited Total Small Finance Banks Suryoday Micro Finance Limited Ujjivan Small Finance Bank Janalakshmi Financial Services Limi Total Grand Total

92 Annexure - 25 State wise performance under Pradhan Mantri MUDRA Yojana (PMMY) from to [Amount Rs. in Crore] Shishu Kishore Tarun Total Sr No State Name No Of Sanction Disburseme Sanction Disburseme No Of Sanction Disbursem No Of Sanction Disbursemen No Of A/Cs A/Cs Amt nt Amt Amt nt Amt A/Cs Amt ent Amt A/Cs Amt t Amt 1 Tamil Nadu West Bengal Karnataka Bihar Maharashtra Odisha Uttar Pradesh Madhya Pradesh Rajasthan Assam Kerala Gujarat Jharkhand Telangana Punjab Chhattisgarh Haryana Andhra Pradesh Delhi Tripura Uttarakhand Pondicherry Jammu and Kashmir Himachal Pradesh Manipur Goa Meghalaya Sikkim Chandigarh Arunachal Pradesh Mizoram Nagaland Andaman and Nicobar Islands Dadra and Nagar Haveli Lakshadweep Daman and Diu Total

93 BANK WISE PERFORMANCE UNDER STAND UP INDIA SCHEME DURING FINANCIAL YEAR UPTO DEC'18 Sl BANKS Target SC ST Target Women (General) TOTAL No Of Sanctioned Disbursement No Of Sanctioned Disbursement No Of Sanctioned Disbursement Total Target SC/ST Women No Of Sanctioned Disbursement A/Cs Amt (Crs) Amt (Crs) A/Cs Amt (Crs) Amt (Crs) A/Cs Amt (Crs) Amt (Crs) A/Cs Amt (Crs) Amt (Crs) 1 Andhra Bank Vijaya Bank Bank of Baroda ICICI Bank UCO Bank Punjab National Bank Corporation Bank Bank of India Canara Bank Central Bank of India Indian Overseas Bank State Bank of India Federal Bank Syndicate Bank United Bank of India Allahabad Bank Punjab and Sind Bank TOTAL DISTRICT WISE PERFORMANCE UNDER STAND UP INDIA SCHEME DURING FINANCIAL YEAR Annexure - 26 Sl DISTRICTS Target SC ST Target Women (General) TOTAL No Of Sanctioned Disbursement No Of Sanctioned Disbursement No Of Sanctioned Disbursement Total Target SC/ST Women No Of Sanctioned Disbursement A/Cs Amt (Crs) Amt (Crs) A/Cs Amt (Crs) Amt (Crs) A/Cs Amt (Crs) Amt (Crs) A/Cs Amt (Crs) Amt (Crs) 1 Angul Balasore Bargarh Bhadrakh Bolangir Boudh Cuttack Deogarh Dhenkanal Gajapati Ganjam Jagatsinghpur Jajpur Jharsuguda Kalahandi Kandhamal Kendrapara Keonjhar Khordha Koraput Malkangiri Mayurbhanj Nabarangpur Nayagarh Nuapada Puri Rayagada Sambalpur Sonepur Sundargarh TOTAL

94 Sl Name of Bank CREDIT FACILITY TO MINORITY COMMUNITY AS ON SIKHS Disbursementfrom to Balance outstanding as on MUSLIMS Disbursementfrom to Balance outstanding as on Disbursementfrom to CHRISTIANS Balance outstanding as on Disbursementfrom to Annexure - 27 Amount in Crores Balance outstanding as on A/c Amt. A/c Amt. A/c Amt A/c Amt A/c Amt A/c Amt A/c Amt A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBs Commercial Banks Orissa State Co-Op. Bank Total of Co-operative Jana Small Finance Bank Total Small Finance Bank TOTAL TOTAL

95 Annexure - 28 Bankwise Performance under NULM - SEP status till 31st December 2018 SEP-I SEP-G SHG Bank Linkage Sl No Bank Name Target Achievement Target Achievement Target Achievement 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Bhartiya Mahila Bank Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of Bikaneer & Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Travancore Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Odisha Gramya Bank Utkal Grameen Bank Orissa State Co-Op. Bank OSCARD Bank Post Office Koraput Central cooperative bank Sambalpur Dist- cooperative central bank ltd Keonjhar Cooperative Bank Balasore Bhadrak Cooperative Bank District cooperative central bank Total

96 Annexure - 29 Financing under Joint Liability Groups (JLG) as on Sl No. Name of Bank Amt in Crore Applications Application Balance Sanctioned from Disbursed from Out of which, Outstanding as on to to Repeat Assistance A/c Amt. A/c Amt A/c Amt A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBS Commercial Banks Orissa State Co-Op. Bank Total OSCB Jana Small Finance Bank Total Small Finance Bank TOTAL

97 Annexure - 30 PROGRESS UNDER ARTISAN CREDIT CARD AS OF Amount in Crores Disbursement made from Balance Outstanding as on Sl Name of Bank to No. A/c Amt. A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Ltd Federal Bank HDFC Bank ICICI Bank IndusInd Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Orissa State Co-Op. Bank Total of Co-op Bank Jana Small Finance Bank Total Small Finance Bank Total of Commercial Banks

98 Sl No. PROGRESS UNDER SWAROZGAR CREDIT CARD AS OF Name of Bank Annexure - 31 Amount in Crores A/c Amt. A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena 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 Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Ltd Federal Bank HDFC Bank ICICI Bank IndusInd Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBs Commercial Banks Orissa State Co-Op. Bank Total of Co-op Bank Jana Small Finance Bank Total Small Finance Bank TOTAL Disbursement made from to Balance Outstanding as on

99 Annexure - 32 Bank-wise details of subsidy released under the Scheme during Sl.No Financing Bank No.of Units Subsidy Released in Rs. (In lakhs) 1 IDBI,Puri Oriental Bank of Commerce, Puri Syndicate Bank,Sakhigopal Vijaya Bank,Mangalpur Total

100 Annexure-32a BANK WISE SUBSIDY RELEASED DURING THE YEAR , & IN THE STATE OF ODISHA Sl.No. Name of Bank No of Units Amount Rs.) 1 Allahabad Bank 1 2,00, Andhra Bank 19 37,60, Bank of Baroda 14 31,00, Bank of India 7 22,00, Bank of Maharashtra 2 4,00, Canara Bank 3 8,88, Central Bank of India 14 29,80, Corporation Bank 2 4,00, IDBI Bank 2 4,80, Indian Overseas Bank 9 22,00, Odisha Gramya Bank 10 22,00, Oriental Bank of Commerce 8 21,00, Punjab and Sind Bank 1 2,00, Punjab National Bank 8 14,80, State Bank of India 1 2,00, State Bank of Travancore 1 4,00, Syndicate Bank 3 5,60, The United Puri Nimapara Central 2,00, Cooperative Bank 1 19 UCO Bank 2 4,00, Union Bank of India 6 14,00, Vijaya Bank 5 14,00, TOTAL ,48, (in

101 Annexure - 33 Sl. No. Name of the Bank No. of Applications Sponsored/ Collected No. of Weavers 5a nctioned loa n Amount of loa n Sanctioned,'iflflexiirg-J 4n'lount rl ls&s Supees App lication Rejected by Bank Application Pending with Banks 1 Allahabad Bank Andhra Bank Bank of Baroda 4tl DCC Bank (OSCB)/BCCB U Bank of lndia Canara Bank of lndia 1f, l Central Bank of lndia 15 1n 5.00 n 5 B IDBI 78s A lndian Bank Z 10 Odisha Gramya Bank L Punjab National Bank s State Bank of lndia Syndicate Bank t t4 United Bank of lndia n Uco Bank _07 16 Union Bank of tndia UtkalGrameen Bank , a lndian Overseas Bank s ADB 1 n Grand Total s I

102 Annexure - 34 Sefii-':!c-i{&flIqfrqs--s{} }Y{jSS$ W syels-5q&.qmcds_riss f& "yqs{e.$.*s.:"f g "{{r$-"*ssy A"#ggj ;1j'!n:vrrro-JJ )1. llo. Name of the Banl< No, of Applications Sponsored/ Collected No. of Weavers 5a nctioned loa n Amount of loa n 5a nctloned,amo$nf in /ckfl Apllication Rejected by Bank Applicaticn Peneiing with L Allahabad Bank , Andhra Bank Bank of Baroda , DCC Bank (OSCB)/BCCB 1?n Bank of lndia 5 3 1^s Canara Bank of India Central Bank of lndia U IDBI a 9 lndian Bank Odisha Gramya Bank 10 0 n Punjab NationalBank L s State Bank of lndia 97 L Syndicate Bank U 3 t4 United Bank of lndia 29 B 6"2s 20 t" 15 Uco Bank U Union Bank of lndia Utkal Grameen Bank lndian Overseas Bank ADB Grand Total A 617 D -,-!"- 06il45

103 Annexure - 35 SI 3i{ti}i{A Wi:A\rilln{S SilS{fl&'x$ / WH:\VKigq*S il{q'$ll$}$"$- {:A}{'$ $C*:$&{&{}'-: i,. i*.qi v. res**t.w&1.* S &- -\S c mv-e rl $ $"$ }i ew s ; I is substituted *;lth Mt-,$AA Weaver's ;+ rleat,er's eredit Card {WeC) Seh*me the inciividual weav rs and weav*r 5cheme during the year for t e ntrepreneu rs, i\,{udra Weaver's Scheme will be implemented in the identified Hand!oom Clusters in a project mode with participation of willing banks having presence in those clusters, All the non-defaulter eligible weavers will be cavered in three years till ' Provision of Term loans and Working Capital 6% interest for which nraximum tnterest Subvention to be borne by Gsvt. of lndia would be capped at 7%.. No. of Benefits under Concessional Credit components of WCC scherne like i' lnterest Subvention, Margin Money, credit Guarantee Bunkar Facilitator will now be available only through MUDRA Weaver's Scherne' lnterest subvention will be available for rnaximum three years from the date of first disbursement. Applications pending with the Banks under WCC Scheme shall be considered by the concerned banks till 31" Margin Money Asslstance & lnterest Subventron clairn r-elating io WCC shalt be dealt by NABARD, Regional Office, Bhubaneswar as per previous practice' present status of weaver's Household for ccverage under MUDRA Weaver Scheme: Looms as per Handloom Cpnqrrq No. of working Looms under Cooperative fold as on No. of looms outside cooperative fold No. of weavers covered under WCC No. of Block Level Cluste rs sa nctio ned by GOI a y-rr *ir" action piin by the Banks under MUDRA Weavers Scheme: No. of weaver's household in these Blocks No. of weaver covered in these cl uste rs 43,557 22,765 70,887 19, ,968 7,263 Name of the Bank Year wise cdverage of Weavers to extend loan Total No. 2At6-L t UCO Bank Punjab National Bank State Bank of lndia 300 s00 s i+ United Bank of lndia IDBI AO 450 Total

104 Annexure - 35 i, Y*xr-wis* $*r:at$*n sf Fr"esh tm**l t* i*dlvl$*al \#*sr,*rs: A" S,$UDR& W*&v tr'$ Sehcrne: Yea r. Itlo. of Applications sponsored to tsanks / Collected by the Banks ilio. of Weavers Sanctioned loan Arnount of Loa n Sanctioned No. of Applications Pending with the Banks (up to Nov-1"8) AL5-L7 43L s Total: L s 4093 B. Weaver's Credit Card (WCCIScheme: Year No. of wcc issued hy the Amount of loan sanctioned Amount of loan Disbursed Release of Margin Money Assistance Amount in lokh Rupees Release of lnterest Subvention Banks No. of Accounts Amoun t No. of Accounts Amount " , L A A L TOTAL 19, accounts N.B. lnterest Subvention claim reimbursed by the State - Rs lakh for loan

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