Date: Time: 11:00 a.m.

Transcription

1 १ २५ व त र प र ह त र ज य स तर य ब कर स र म तत क ब ठक 125 th STATE LEVEL BANKERS COMMITTEE MEETING FOR TRIPURA Yearly Performance Review March 2018 व र षसक क यस र क ष चस २०१८ Date: Time: 11:00 a.m. Venue: Pragna Bhawan, Hall No.: 2 क यसर च ट प पण AGENDA NOTES

2 य न इट डब क ऑफ इ डडय अग रण ब क प रभ ग प रध न क य लय 11, ह म त बस सरण क लक त स य जक: त र प र र ज य स तररय ब कस सममतत सन दभ : एल. ब डड/एसएलब स / ट / 125/ ददन क: १९.०६.२०१८ एस एल ब स क सभ सदस य प रप रय मह दय, प र षय: त र प र र ज य स तर य ब कस सममतत क १२५ ब ठक क क य स च दटप पण l उपय क त सन दभ म हम आपक स चचत करत ह क त र प र र ज य स तर य ब कस सममतत क १२५ ब ठक ददन क २६.०६.२०१८ क प न ह ११:०० बज प रज ञ भ न ह ल न. २, आग रतल म आय जजत क ज एग l क य स च दटप पण क एक प रतत भ ज रह ह l अन र ध ह क आप उक त ब ठक म अ श य भ ग ल l United Bank of India Lead Bank Division Head Office 11, Hemanta Basu Sarani Kolkata Convener: State Level Bankers Committee for Tripura Ref: LBD/SLBC/T/ 125 / Date: All members of SLBC Dear Sir Sub: Agenda Notes for the 125 th Meeting of SLBC Tripura With reference to the above, we forward herewith a set of Agenda Notes for the 125 th meeting of State Level Bankers Committee for Tripura scheduled to be held at Pragna Bahavan, Hall No. 2, Agartala on at 11:00 AM. You are requested to kindly make it convenient to attend the meeting. भ द य Yours Faithfully, उप मह प रब धक ए म ख य क ष य प रब धक त र प र क ष Dy. General Manager & Chief Regional Manager Tripura Region

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4 C O N T E N T S Sl. no. Agenda Contents Page 1 General information/population Details/ Agricultural Scenario of Tripura/Network of Bank Branches & Vital Banking Statistics Confirmation of the proceedings of the 124 th meeting of SLBC for Tripura held on Pradhan Mantri Mudra Yojana 9-10 Promotion and awareness of MUDRA and other Prime Minister s Flagship Programmes Gram Swaraj Abhiyan Opening of Bank Branches in unbanked villages having population above 5000 in the State of Tripura 6 04 Financial Inclusion Plan (FIP) Pradhan Mantri Jan Dhan Yojana(PMJDY) Aadhaar Authentication of All Current & Savings Accounts (CASA) Social Security Schemes(PMSBY-PMJJBY-APY) Performance of Rural Self-Employment Training Institutes(RSETI), Financial Literacy Centers (FLC) & Financial Literacy Camps by Rural Branches 7 Stand-Up India Credit-Deposit Ratio(CD Ratio) as on Annual Credit Plan >Achievement of Sector-wise ACP as on >Flow of Credit to Agriculture & Allied Activities 41 >Bank-wise Target & Achievement of Lending to Agriculture 45 >Achievement of Lending to New Farmers/ Farm Credit >Lending to Small & Marginal Farmers 50 Flow of Credit to MSME Flow of Credit to Other Priority Sectors Issuance of Kisan Credit Cards(KCC) Performance of Banks in Crop & Term Loan 59 Implementation of Issuing KCCs Self Help Groups(SHG) Performance under SHG 61 Performance under NRLM/NERLP/WSHG 62 Deendayal Antyodaya Yojana- National Urban Livelihood Mission (DAY NULM) Recovery performance of Banks Bank-wise and Sector-wise Recovery Performance 66

5 Bank-Wise & Government Programme-Wise Recovery Performance Joint Recovery/PDR Cases Position of NPA Of Banks In The State Of Tripura Position of Technically Written-Off Accounts 75 Status of Govt. Sponsored Schemes & NPA generated thereof Performance of Banks in key areas in Tripura Branch Network & Population-Group Wise Deposit-Advance Performance in Lending to Priority Sector & Key Categories Annual Statement on Priority Sector Advance for FY Regional imbalances in deployment of credit to various sectors of the 83 economy Bank wise- Scheme wise performance under different Govt. Sponsored Performance of Banks in PMEGP & SWAVALAMBAN Performance in Lending under Mini Dairy 87 Performance in Lending under KCC(Fishery) Educational Loans/Housing Loans & Specialized Schemes SME financing & bottlenecks thereof Important Issue : Revamp of Lead Bank Scheme Timely submission of data by banks Annexure related to Financial Inclusion Branch & ATM Network in the State Proceedings of 124 th SLBC of Tripura held on

6 Districts Tripura State General Information Names of the districts 1. North Tripura 2 Unakoti 3 Gomati 4 South Tripura 5. West Tripura 6 Sepahijala 7 Khowai 8. Dhalai No. of Sub Divisions - 23 No. of Blocks - 58 No. of Autonomous Council - 1 Capital: Agartala Area: sq. km. Population: lac. (Male: lac o Female: lac) Literacy ratio: 94.65% (Male: 96.65% o Female: 92.35%) Land utilization- Net Cropped Area: 2,55,070 ha Irrigation Potentials:- Source: Good average rainfall-2200mm During south west monsoon. No perennial river. Total no of branches 512 Average population covered per branch: 7175 (Including RRB & Cooperative Banks) Multi cropped area: ha Fishery water area: ha Cropping intensity: 186% Lead Bank of 8 Districts UNITED BANK OF INDIA Main crops: Rice, Potato, Pineapple and Vegetable. Plantation: Rubber, Mandarin oranges Convener of SLBC United Bank of India 1

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

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

9 Climate Irrigation J Mango 11, MT K Pineapple 1,08,009 MT L Orange 20,383 MT M Jackfruit 2,52,384 MT N Coconut 7,882 MT O Summer vegetable 1,43,665,66 MT P Others winter vegetable 1,62, MT R Amount disbursed Rs Crores A Normal annual rainfall 2, mm B Average actual annual rainfall 1, mm C Normal rainy days 99.2 D Actual rainy days 82.5 A Cultivable area 2,79,050 ha. B Irrigable area 1,17,000 ha. C Potential created 1,19,000 ha. D Potential utilized 87,000 ha. 4

10 Network of Bank Branches in Tripura As on Population Group March 2012 March 2013 March 2014 March 2015 March 2016 March 2017 March 2018 Rural (57%) (57%) (54%) (54%) (53%) (53%) (53%) Semi- urban (20%) (22%) (25%) (25%) (26%) (26%) (26%) Urban (23% ) (21%) (21%) (21%) (21%) (21%) (21%) TOTAL (Figures in bracket indicate percentage of total branches.) 5

11 SLBC-TRIPURA VITAL BANKING STATISTICS (Amount Rs. in Crore) Sl. Parameter March 2016 March 2017 March No. of Branches Total Deposits Total Advances CD Ratio C+I: Deposit Ratio Priority Sector Advances (PSA) % of PSA to ANBC Agriculture Advances % of Agri Advances to ANBC MSME Advances Education Loans Housing Loans DRI Advances % of DRI Advances to ANBC Schedules Caste/ Scheduled Tribe Advances Advances to Women Entrepreneurs % of Advances to Women Entrepreneurs to ANBC Weaker Section Advances % of Weaker Advances to ANBC Minority Community Advances % of Minority Community Advances to Prisec Advances DISBURSEMENT PARTICULARS UNDER ANNUAL CREDIT PLAN (Amount Rs in crore) As on March As on March 2018 Sector Plan Achievement (April 16-Mar 17) % to Target Plan Achievement (April 17-Mar 18) % to Target Agriculture MSME Other Prisec Total Prisec Non-Prisec Grand Total

12 Rs. in Crores Banking Key Indicators for the State of TRIPURA Banking Key Indicators Deposits Advance Priority Sector Advances Agriculture Deposits Advance Priority Sector Advances Agriculture Priority Sector Advance As on % 41% 44% Agriculture & Allied MSME Other Priority Sector 7

13 Agenda item no -1 CONFIRMATION OF PROCEEDINGS OF THE 124 th MEETING OF THE SLBC FOR TRIPURA The proceedings and action points of the 124 th Meeting of SLBC for Tripura, held on was circulated under the cover of Convener Bank s letter no. LBD/ SLBC/Tripura/2421/ dt ; the same may please be confirmed by the House. 8

14 PRADHAN MANTRI MUDRA YOJANA (PMMY) AGENDA No. 2 Action Points emerged in the 124 th SLBC Meeting held on All Banks are to exert effort to achieve revised MUDRA Target of Rs Crore for FY (Action: All Banks). Status of implementation All Banks/Lending Institutions have made an achievement of Rs Crore with 4,00,308 numbers of accounts as on , against the revised annual target of Rs Crore i.e % of the target. NABARD informed that TGB had to sign a MOU with CGTMSE but the NPA level of the concerned Bank should be less than 5% for execution of the same. TGB took up the matter with CGTMSE and CGTMSE has requested TGB for submission of some financial data for their consideration. Performance of the Banks in the State of Tripura as on for FY (from to ) is furnished below: Amt. Rs. In Crores Shishu Kishore Tarun Bank Name (Loans up to Rs. 50,000) (Loans from Rs. 50,001 to Rs Lakh) (Loans from Rs to Rs Lakh) Total A/Cs Amt A/Cs Amt A/Cs Amt A/Cs Amt Public Sector Banks Private Sector Banks RRBs Co-Op Banks Sub- Total NBFCs Grand Total Bank wise details of disbursement is Annexed. 9

15 Bank Type : ALL State : Tripura Financial Year : Bank : ALL Scheme : MUDRA Data Till Date : 31/03/2018 [Amount Rs. in Crore] Shishu Kishore Tarun Sr No Bank Type Name Bank Name (Loans up to Rs. (Loans from Rs. (Loans from Rs. Total A/Cs Amt. A/Cs Amt. A/Cs Amt. A/Cs Amt SBI and Associates State Bank of India Total Public Sector Commercial Banks Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Indian 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 Federal Bank Ratnakar Bank South Indian Bank ICICI Bank IndusInd Bank HDFC Bank Bandhan Bank IDFC Bank Limited Total Regional Rural Banks Tripura Gramin Bank Total NBFC-Micro Finance Institutions Annapurna Microfinance Pvt. Ltd Village Financial Services Pvt Ltd ASA International India Microfinance Pvt. Ltd JANALAKSHMI FINANCIAL SERVICES LIMITED Asirvad Microfinance Pvt. Ltd Arohan Financial Services Pvt. Ltd Total Non Banking Financial Companies CAPITAL FIRST LIMITED Mahindra and Mahindra Financial Services Shriram Transport Finance Co. Ltd Total Small Finance Banks Ujjivan Small Finance Bank North East Small Finance Bank Limited Total Cooperative Banks Tripura State Cooperative Bank Total Grand Total

16 For the promotion and awareness of MUDRA and other Prime Minister s Flagship Programmes in the State, Shri Biplab Kumar Deb, Hon ble Chief Minister of Tripura in 124 th SLBC meeting held on desired the following: i) To organize MUDRA Awareness Campaign up to Block level within June ii) iii) Banners / Standees in local language depicting salient points of MUDRA, SUI, PMSBY, SSY, etc. to be placed in front of each branch premises. Wide publicity is to be done for all flagship programmes through TV, Radio, Cable Channels, etc. with special emphasis on MUDRA Loans, PMSBY, Sukanya Samriddhi Yojana (SSY) to bring financial awareness among the people. SLBC along with all member Banks in the State of Tripura initiated activities from the 1 st week of April 2018 with the help of State Administration. A mega awareness programme namely Launching of Campaign for Popularizing Prime Minister Flagship Schemes was organized at Ambassa in Dhalai District on in presence of Hon ble Chief Minister, Hon ble Dy. Chief Minister, Hon ble Minister, Food, Civil Supplies & Consumer Affairs, Govt. of Tripura, Hon ble MLA, Ambassa, Chief Secretary, Govt. of Tripura, Principal Secretary (Finance), Govt. of Tripura. This campaign pulled a huge gathering and people from Ambassa and adjacent places of Dhalai District attended the programme. 18 stalls were set up by different Banks and Line Departments of Govt. of Tripura and Dhalai District Administration to showcase the benefits of the Prime Minister Flagship Schemes. Leaflets in local language were also distributed for the awareness of the participants regarding the schemes. PMJDY accounts were opened and enrollment under PMSBY and PMJJBY were also undertaken by the Banks present there. Hon ble Chief Minister briefed about the Prime Minister s Flagship schemes in his deliberation and requested the people of Tripura to take benefits of these schemes so that the youth gets the chance of self employment with MUDRA and other loans and the families of the subscribers under social security schemes like PMJJBY & PMSBY get a secured future at a very nominal premium amount. There was a very good response from the people and the momentum for implementation of Prime Minister s Flagship schemes gained a new height. LDMs of all eight districts in the State of Tripura arranged Block wise MUDRA Awareness Campaigns in all 58 Blocks in Tripura with the help from the respective District Administrations. The participants in these campaigns were made aware about the scheme details and benefits of MUDRA and Stand-Up India loans along with other Prime Minister Flagship schemes such as PMSBY, PMJJBY, PMSSY etc. Some of these awareness programmes were graced by the presence of Public Representatives also (Damcherra Block & Panisagar Block - Sri Binoy Bhusan Das, Hon ble MLA; Kumarghat Block- Sri Sudhangshu Das, Hon ble MLA & Bhagaban Das, Hon ble MLA, Gournagar Block- Mofaswar Ali, Hon ble MLA, Matabari Block- Sri Biplab Kumar Ghosh, Hon ble MLA, Birchandra Manu- Sri Arun Chandra Bhowmik, Hon ble MLA and Promode 11

17 Reang, Hon ble MLA, Bamutia Block- Sri Krishna Dhan Das, Hon ble MLA, Nalchar Block- Subhas Ch Das, Hon ble MLA). Flexes, Banners, Hoardings, Standees displaying Prime Minister Flagship Schemes have been placed in all the Bank Branches in the State of Tripura (inside and outside both) and also in all prime locations in the State (Railway Stations, Major Bus Terminuses, Hospitals, District Magistrate Offices etc.) for the awareness of public about these schemes and their benefits. Launching of Campaign for Popularizing Prime Minister Flagship Schemes at Ambassa, Dhalai on Display Materials of PM Flagship Schemes at different locations in the State 12

18 GRAM SWARAJ ABHIYAN: Gram Swaraj Abhiyan (GSA) is a special initiative of the Government of India for villages across the country with large number of poor households for saturation during to under Special Campaign Sabka Sath Sabka Gaon Sabka Vikas saturation of following seven programmes. 1. Pradhan Mantri Ujjwala Yojana. 2. Saubhagya ( Pradhan Mantri Sahaj Bijli Har Ghar Yojana) 3. Ujala Scheme. 4. Pradhan Mantri Jan Dhan Yojana (PMJDY) 5. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) 6. Pradhan Mantri Suraksha Bima Yojana (PMSBY) 7. Mission Indradhanush Department of Financial Services, MoF, Government of India vide their letter F. No. 6/3/2018-FI dated informed all banks & SLBC Conveners regarding GSA to provide universal coverage under identified programme, inter alia, including PMJDY, PMJJBY & PMSBY during the campaign period ( to ). GSA would be implemented through the District Level Implementation Committee (DLIC) on Financial Inclusion, headed by District Magistrate and with LDM as Secretary. GSA was successfully organized as per direction of Government of India during the period to for 531 villages (identified by GoI) in all 8 Districts of Tripura to provide universal coverage under identified programmes, inter alia, including PMJDY, PMJJBY & PMSBY. This is similar to our Block level Campaign for Popularizing Prime Minister Flagship Schemes as desired by the Hon ble Chief Minister of Tripura in 124 th SLBC Meeting held on Hon ble Chief Minister of Tripura inaugurated awareness Campaign for MUDRA and other Flagship Programmes on at Ambassa, Dhalai, well before this GSA Campaign. For this, GSA got a momentum in the State. SLBC with the help of District Authorities & LDMs allocated village wise targets for 531 villages for coverage of eligible unbanked people with opening of PMJDY accounts and enrollment under PMJJBY & PMSBY as per direction of GoI. Bankers extended full cooperation for coverage of eligible unbanked people with opening of PMJDY accounts and enrollment under PMJJBY & PMSBY as per Target allotted them. Trpura became the first NE State to achieve 100% saturation in 531 villages in respect of opening of PMJDY accounts and enrollment under PMJJBY & PMSBY with the help of Banks, District Authorities and State Government within the Campaign Period, which was praised by the DFS, MoF, GoI. Performance of GSA in 8 Districts comprising 531 villages is annexed: 13

19 District wise performance under Gram Swaraj Abhiyan in Tripura PMJDY PMJJBY PMSBY District Target Achievement Saturation Target Achievement Saturation Target Achievement Saturation % % % West Tripura Sepahijala Gomati South Tripura Dhalai Khowai North Tripura Unakoti Total GRAM SWARAJ ABHIYAN Phase II GSA created awareness and provided banking access to people in identified villages. Considering the excellent work done by banks, it has been decided by GoI to launch the Phase-II of the Abhiyan in villages of 115 Aspirational Districts from To provide universal coverage under Financial Inclusion related Schemes, namely, PMJDY, PMJJBY & PMSBY in villages having more than 1000 population in the identified 115 Aspirational Districts, GSA-Phase-II would be organized during to GSA-Phase-II would be organized by the DLIC of PMJDY in each District under the leadership of the District Magistrate. LDM, Officials from banks in the District, NABARD, Insurance Companies, Officers from District Administration and Local Bodies, etc. are the other members of DLIC. DLIC will decide the target number of beneficiaries in each village under PMJDY, PMJJBY & PMSBY based on the inputs received from Gram Panchayats. DLIC will also finalise the roadmap and action plan to saturate the villages under PMJDY, PMJJBY & PMSBY. Financial Inclusion activities under GSA will be held in all the Gram Panchayats during the campaign period by all the stake holders till saturation is achieved. Following activities will be provided at the Gram Panchayats: 1. Display of Jan-Dhan facilities, PMJJBY & PMSBY along with claim procedures in local language. 2. Opening of PMJDY accounts and enrollment under PMJJBY & PMSBY. 3. Distribution & Activation of RuPay Cards. 4. Aadhaar Seeding & Authentication. 5. Mobile Seeding. 6. Awareness about the Schemes. 14

20 Dhalai is only Aspirational district in the State of Tripura. 102 villages having population above 1000 have been identified under GSA - Phase-II. DLIC Meeting under Chairmanship of the District Magistrate was held on at Ambassa in presence of LDM, Officials from banks in the District, NABARD, Officers from District Administration to finalize roadmap for providing universal coverage under Financial Inclusion related Schemes, namely, PMJDY, PMJJBY & PMSBY in 102 identified villages. District Magistrate has directed the BDOs to provide the list of eligible people for providing financial services (PMJDY, PMJJBY & PMSBY) with the help of Gram Panchayats to fix the village wise Targets for 102 villages within DFS, MoF, GoI has designated Shri Manas Dhar, Convener, SLBC Tripura as In-Charge of Dhalai District to monitor the progress under GSA-II for saturation in respect of PMJDY, PMSBY & PMJJBY. All Stakeholders are requested to extend cooperation so as to provide universal coverage under Financial Inclusion related Schemes, namely, PMJDY, PMJJBY & PMSBY in Dhalai District well before the Targeted date i.e

21 Opening of Bank Branches in unbanked villages having population above 5000 in the State of Tripura Action Points Reallocation of unbanked villages (above 5000 population) having no bank branches within a radius of 3 km through Sub-committee under SLBC (Action: SLBC & Banks). Status of implementation As per the decision taken in the meeting of the SLBC Sub-Committee on Branch Expansion under the Chairmanship of DIF, Govt. of Tripura on , a decision was taken to survey and re-assess the actual position of banking services in the 19 unbanked villages having population more than 5000, with the help of LDMs & representatives of District Magistrates of the concerned Districts. Report of the LDMs was submitted at the 123 rd SLBC meeting where it was decided for opening of Brick & Mortar branches in those unbanked villages which have no Bank Branches within a radius of 3 km. Decision was also taken for reallocation of villages to those Banks who have no issue regarding Branch opening. 5 villages were found where there is no Bank Branch within a radius of 3 km. Two unbanked villages Charipara & Radhapur have already been reallocated to Canara Bank & Union Bank respectively. Status of branch opening in 5 unbanked villages is furnished below. REALLOCATION OF UNBANKED VILLAGES HAVING POPULARETION ABOVE 5000 TO DIFFERENT SCHEDULED COMMERCIAL BANKS Name of the State As on Populati Availability of Bank Banking Services Allotted to Bank on as (Preferably loans) provided (Specify Name) Sl. District Block Name of GP If YES, Remarks per YES/NO by Banks (Specify Name of for Branch Engaged By 2011 Banks as per service area Opening 1 West Dukli Charipara 6710 Yes TGB TGB Camper Bazar Canara Bank Process initiated 2 West Dukli Ishan Chandra Nagar 5944 Yes UBI UBI Badharghat Vijaya Bank Process initiated 3 North Jubarajnagar Radhapur 5678 Yes UBI UBI Dharmanagar Union Bank Process initiated 4 North Laljuri Chandipur 5133 Yes TGB UBI Kanchanpur Axis Bank Process initiated 5 Unakoti Pecharthal Nabincherra 5025 Yes TGB IOB Pecharthal ICICI Bank Process initiated Concerned Banks are requested to place the present status on Brick & Mortar branch opening in the House. Banks may also open any banking outlet like Ultra Small branch / fixed point BCs, etc. in these villages to extend banking services initially. 16

22 FINANCIAL INCLUSION Agenda Item No. 4 Pradhan Mantri Jan DhanYojana (PMJDY). Performance of PMJDY as on for the State of Tripura is furnished below: Rural Accounts Urban Accounts Total Accounts Deposit (Rs/crore) Aadhaar Seeded Zero balance A/cs RuPay card issued No. No. No. Amt. No. No. No * In Percentage * Average deposit per account Rs 8277/ crore PMJDY accounts have been opened so far across the country with deposit of Rs crore with an average deposit of Rs. 2544/- per account as against average deposit of Rs 8277/- per account in the State of Tripura. Aadhaar seeding percentage is in Tripura. On the issue of bulk seeding of Aadhaar numbers from MNREGA database or database of other department, all banks are to observe due diligence and obtain written consent of the customer before seeding the Aadhaar number in the Bank account. All banks are requested to push up Aadhaar seeding for smooth DBT transactions. All the banks in the State of Tripura issued Rupay Cards to 77.63% PMJDY customers against national issuance of 75.45%. Activation of Rupay cards is an area of concern for banks in Tripura. Bank Mitras should use Rupay Card compliant hand-held devices at the earliest, so that all the beneficiaries get the benefit of Rs. 1 lac inbuilt accident insurance. This area needs attention by all banks. Number of Zero balance accounts reached to 8.74% of total PMJDY accounts opened in the State. Bankers are requested to convert all zero balance accounts into operative accounts. DFS, MoF, GoI is reviewing the progress of PMJDY in respect of Financial Literacy, Rupay Card activation and status of Bank Mitras through Video Conferencing on regular basis. SLBC Desk Tripura along with member banks and State Mission Director (PMJDY) participate in VCs. SLBC communicates the direction of the DFS regularly to member banks for implementation. 17

23 Bank Wise Details of PMJDY accounts for the State of Tripura as on S.No Banks Rural A/C Urban A/C Male A/C Female A/C Total A/C Total Deposit Zero Balance Account RupayCard Issued Aadhaar Seeded 1 Bank of India Canara Bank Central Bank of India Corporation Bank ICICI Bank Ltd Indian Bank State Bank of India UCO Bank United Bank of India Tripura Gramin Bank TSCBL Axis Bank Ltd Indian Overseas Bank HDFC Bank Ltd IDBI Bank Ltd IndusInd Bank Ltd Punjab National Bank Syndicate Bank Union Bank of India Oriental Bank of Commerce Bank of Baroda Allahabad Bank Andhra Bank Bank of Maharashtra Dena Bank Federal Bank Ltd Kotak Mahindra Bank Ltd Punjab & Sind Bank South Indian Bank Ltd Vijaya Bank Grand Total

24 Aadhaar Authentication of All Current & Savings Accounts (CASA) Requirement of Aadhaar submission New & Existing accounts: Customer to submit Aadhaar number Authentication Banks to authenticate Aadhaar data with UIDAI Modes of Authentication Banks may adopt any of the following methods, and decide the extent of demographic information match in case of demographic authentication: Biometric authentication OTP-based authentication Demographic authentication Aadhaar enrolment and update Scheduled Commercial Banks to set up enrolment centres in 10% branches. All bank branches to have ekyc facility Need for time-bound action Need to reach out to all customers to secure authentication ahead of December deadline to avoid: Large numbers of customers with unauthenticated accounts Disruption in banking operation due to inoperative accounts Chief Secretaries requested to organise congregations at Aadhaar enrolment & update centres MGNREGA seeding & enrolment camps by State authorities on till Coordinated public awareness campaign Banks to set up OTP-based authentication website/mobile facility 19

25 United Bank of India, Convener-SLBC Tripura organised one workshop on Aadhaar Authentication of all current and savings accounts with the help of UIDAI on i.e. after 122 nd SLBC Meeting for all LDMs and member banks of SLBC Tripura. Status of implementation All the banks have started Aadhaar seeding and authentication for completion of the task of Aadhaar authentication of all current & savings accounts (CASA). E-KYC facility is available with all bank branches. Thirteen Banks in the State of Tripura have already set up 54 Aadhaar Service Centres (Aadhaar Seva Kendras) for offering Aadhaar enrolment and Aadhaar update services to the customers in the State. Bank wise no. of Aadhaar Seva Kendras in Tripura Sl. No. Name of the Bank No. of Aadhaar Seva Kendras 1 United Bank of India 12 2 State Bank of India 8 3 Bank of Baroda 1 4 IDBI Bank 3 5 UCO Bank 4 6 Syndicate Bank 4 7 Central Bank of India 1 8 Bank of India 1 9 Canara Bank 1 10 Punjab National Bank 2 11 ICICI 1 12 Bandhan Bank 1 13 Tripura Gramin Bank 15 Total 54 20

26 Social Security Schemes: Performance of 3 Social Security Schemes viz. Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana(APY) as on is furnished below: Bank Type PMSBY PMJJBY APY Total PSB RRB Private Co-op Total Proposed changes under Payment of pro-rata premium for enrolment under PMJJBY: In order to encourage eligible and potential account holders to join PMJJBY at a later stage (those who are enrolling after August, 31st in any policy year -1st June to 31st May) the following modifications in the PMJJBY scheme have been suggested: i. In order to encourage eligible account holders to join the scheme at a later stage payment of pro-rata premium for enrolment under PMJJBY would be allowed, with the minimum premium of Rs 86/- for one quarter required to be paid even if a person enrolls under the scheme one or two months before the end of the policy year (i.e. if he enrolls in March, April or May). Thus, if the enrolment takes place during the months of a. June, July & August Annual premium of Rs. 330/- is payable. b. September, October & November 3 quarters of i.e. Rs. 258/- is payable. c. December, January & February 2 quarters of i.e. Rs. 172/-is payable. d. March, April & May 1 Qly is payable. ii. Lien period of 45 days shall be applicable from date of enrollment. 21

27 iii. In case of payment of pro-rata premium, the administrative charges payable to Banks (which is currently Rs 11/- per subscriber per annum for premium of Rs. 330/-) shall also be paid on pro-rata basis (i.e. for Qly premium of Rs.86/-, bank will retain an amount of Rs. 3.50, for 2 quarters of premium of Rs. 172/-, bank will retain an amount of Rs. 7/- and for 3 quarters of premium of Rs. 258/-, bank will retain an amount of Rs ). iv. In case of payment of pro-rata premium, the commission charges payable to a BC/Micro/Corporate agent Rs. 30/- per annum per member) would also be payable on pro-rata basis (i.e. for Qly premium of Rs.86/-, it would be Rs. 7.50, for 2 quarters of premium of Rs. 172/-, it would be Rs. 15/- and for 3 quarters of premium of Rs. 258/-, it would be Rs ). v. Full year s Rs 330/- would be payable at the time of renewal under the scheme and pro-rata payment would not be allowed. vi. The proposed changes in the scheme features are subject to approval by IRDAI. In this regard, LIC of India has already obtained approval of IRDAI on the above suggested modifications. Accordingly, all the other Life Insurers implementing PMJJBY are advised to implement the above mentioned changes in the scheme (PMJJBY), with the approval of IRDAI. Banks are also advised to do the needful for smooth implementation of the said changes in the scheme. CLAIM SETTLEMENT POSITION Claim position under Social Security Schemes as on in the State of Tripura Claim Type Total No. of Claims Total No. of Claim Settled Total amount of Claim settled (in lakh) Total No. of Claims Pending with insurer Total No. of Claims Rejected Total No. of Claims under process PMJJBY PMSBY

28 Performance of PMSBY, PMJJBY & APY as on is also furnished below: AS ON State Total Sl. Name of Bank SBY JBY APY 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of Maharashtra Bank of India Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Indian Overseas Bank Punjab National Bank Punjab & Sind Bank State Bank of India Syndicate Bank Oriental Bank of Commerce United Bank of India Union Bank of India UCO Bank Vijaya Bank PUBLIC SECTOR BANKS AXIS BANK Bandhan Bank HDFC ICICI Bank IDFC Bank Indusind Bank South Indian Bank Yes Bank Federal Bank Kotak Mahindra Bank Ltd PRIVATE SECTOR BANKS Tripura Gramin Bank RRB ACUB TSCBL Co-Op Banks Total Grand Total

29 Progress in extension of banking facilities as per Financial Inclusion Plan: The banks have already set up banking outlets in all the 419 villages having 2000 or more population mainly through BC model and Brick and Mortar branches in some villages. BCAs were engaged in 414 villages. B & M branches were opened in 5 (five) villages accounts have been rolled out to give coverage of one family-one account. The Banks have since covered all the 619 villages having population less than 2000 through BC model. It was also directed to open brick & mortar branches in at least 5% of the total villages under FI Plan. Accordingly, SLBC Tripura identified 35 centers for opening of Brick & Mortar Branches and allotted among the different Banks. Besides, 269 branches are located in rural areas of Tripura to cater to the needs of people under Financial Inclusion plan. Convergence of insurance facilities with the FI initiatives: Operational from 1 st of June, 2015, the 3 Social Security Schemes launched by the Hon ble Prime Minister of India, namely Pradhan Mantri Suraksha BimaYojana(PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY) and Atal Pension Yojana(APY) are in implementation in the State and have shown satisfactory achievement. Progress in GIS data entry: GIS data entry has been completed for all the 8 lead districts of the State. The concerned LDMs have been advised to keep updating the entries as and when occasions arise. 24

30 Financial Literacy Centers: The 14 FLCs have conducted 115 literacy camps during January-March 2018 with participation of 5832 persons. Besides, 253 rural branches conducted 712 camps during the same period with participation of persons thus averaging 2.81 Camps per branch during the quarter. All Banks are requested to ensure holding off 3 FLCs by each rural branch in each quarter. CREDIT PLUS ACTIVITIES: - Monitoring initiatives for providing Credit Plus activities by banks and State Government such as setting up of Credit Counseling Centers and RSETIs for providing skills and capacity building to manage businesses. RSETI : Five RSETIs are providing skill development training for the Rural Unemployed youth of all the 8 districts in the State. These RSETIs are functioning in premises temporarily arranged for the purpose. The State Government has allocated land to RSETIs at Dhalai, Udaipur & Kumarghat for constructing permanent premises. Performance of RSETIs: The five RSETIs in Tripura trained 3133 participants during FY (April 2017-March 2018). Out of the total participants, 555 people got employed with their own fund, 1387 have got selfemployed through bank loan and 61 people have been wage employed thus registering employment percentage of 63.93%. The performance of the 5 RSETIs during the current financial year is Annexed. 25

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

32 Sl. State District Location(Metro, Urban, SU, Rural) Address QUARTERLY REPORT FINANCIAL LITERACY CENTRES-- REPORT FOR THE QUARTER ENDED MARCH 2018 Date of start of functioning Name of Sponsoring Bank No. of Literacy Camps undertaken during the quarter as per RBI guidelines using standardized financial literacy material of RBI 1 Tripura West Tripura Tripura Sepahijala Tripura Khowai Tripura Gomati Tripura South Tripura Dhalai Tripura North Tripura Unakoti TOTAL Branch wise details have been annexed. 27 No. of Persons participated in Literacy Camps during the quarter Out of Persons participated, number of persons already having bank a/c at the time of attending the camp Out of persons participated, no. of persons opened bank a/c after attending the camp 1 Tripura Gomati Semi-Urban R-Seti,Udaipur UBI Tripura Dhalai Rural R-Seti, Ambassa UBI Tripura Sepahijala Urban R-Seti, Sepahijala TGB Tripura West Tripura Urban Rudset Institute Syndicate Bank & Canara Bank Tripura Unakoti Rural R-Seti, Kumarghat SBI Tripura Gomati Semi-Urban LDM(South) UBI Tripura Dhalai Semi-Urban LDM(Dhalai) UBI Tripura Unakoti Semi-Urban LDM(North ) UBI Tripura West Tripura Urban LDM(West) UBI Tripura Khowai Semi-Urban TGB Khowai Branch TGB Tripura South Semi-Urban TGB Santirbazar Branch TGB Tripura Gomati Semi-Urban TGB Udaipur Branch TGB Tripura Sepahijala Rural TGB Bishramganj Branch TGB Tripura North Semi-Urban TGB Dharmanagar Branch TGB Total Sr.N o. State District No. of Rural Branches in the District QUARTERLY REPORT RURAL BRANCHES-- REPORT OF CONDUCT OF FINANCIAL LITERACY CAMP FOR THE QUARTER ENDED MARCH 2018 No. of Rural Branches which have conducted literacy camps as per RBI guidelines using standardized Financial Literacy Materials of RBI in the quarter No. of Literacy Camps conducted as per RBI guidelines using standardized Financial Literacy Material of RBI No. of persons participated Out of persons participated, no. of persons already having bank a/c at the time of attending the camp Out of persons participated, no. of persons opened bank a/c after attending the camp

33 STAND-UP INDIA Stand-Up India Scheme facilitates bank loans between Rs.10 lakh and Rs. 1 crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch for setting up a Greenfield Enterprise. Action Points emerged in SLBC Meetings All Banks are to exert effort to achieve Stand-Up India Targets for FY (Action: All Banks). Status of implementation Loans under the scheme had been extended to 107 SC/ST/Women beneficiaries amounting to Rs Crores during April-March 2018 of FY All banks are requested to exert efforts to finance more cases under SUI to achieve the State Target. Bank-wise Progress under the Scheme as on 31 st March 2018 is as follows:- PERFORMANCE UNDER STAND UP INDIA As on Amt.: Rs. In Lakhs Sl. Bank SC/ST Women TOTAL No. Amt. No. Amt. No. Amt. 1 Allahabad Bank Andhra Bank Bank of Baroda Canara Bank IDBI Bank Punjab National Bank State Bank of India Syndicate Bank Tripura Gramin Bank UCO Bank United Bank of India GRAND TOTAL

34 CD Ratio of Banks in Tripura Agenda Item No Action Points emerged in the 124th SLBC Meeting held on All Banks are to exert efforts jointly to raise the CD ratio of the State to 53% as on (Action: All Banks & State Government). Status of implementation CD ratio of the Banks in the State increased by 5% from 43% as on to 48% as on All Banks are requested to take proactive steps for increasing advances in the State for steady growth in CD ratio of the State. 2. Action Points emerged in the 124 th SLBC Meeting held on The District Administration would continue to review the CD ratio of the districts in all DCC meetings and Action points should be decided for all districts to push up the CD ratio. Extra efforts should be initiated for West Tripura District to improve its CD ratio with high ticket loan accounts. (Action: All Banks & LDMs) Status of implementation District administration is reviewing the progress of CD Ratio in every DCC meeting and action points are taken to push up the CD ratio of all Banks. Besides, Special Sub-committee (SSC) of West Tripura District is regularly monitoring and reviewing the performance of CD Ratio in each DCC Meeting of West Tripura. 29

35 CD Ratio: The details of Bank wise and district wise CD ratio are annexed. At the end of March 2018, the CD ratio of the State increased to 48% as compared to 43% as on March The district wise details are as under: District CD RATIO CD RATIO CD RATIO March 2017 March 2018 Since March 2017 North Tripura Unakoti South Tripura Gomati West Tripura Sepahijala Khowai Dhalai Total State CD ratio of all the districts in the State as on March 2018 has improved over the CD ratio of March CD Ratio of 93% is the highest in Gomati District, as against 36%, the lowest in West Tripura District having 57% of the total business of the State. District-wise / Bank-wise CD Ratio of Banks is furnished in the Annexure. 30

36 TRIPURA STATE BANKWISE CREDIT DEPOSIT RATIO OF THE STATE AS ON 31st March' 2018 (Amt. In lac) SL No. Bank's Name No of Brs Total Deposit Total Advance CD Ratio 1 Allahabad Bank Bandhan Bank Bank Of Borada Bank Of India Canara bank Central Bank Of India Dena Bank Indian Bank Indian Overseas Bank Punjab & Sind Bank State Bank Of India UCO Bank Union Bank United Bank Of India Vijaya Bank AXIS BANK Punjab National Bank Syndicate Bank Oriental Bank Of comerce ICICI Tripura Gramin Bank ACUB TCARDB IDBI BANK IDFC Bank Tripura State Co-op Bank INDUSIND BANK HDFC Bank Corporation Bank South Indian Bank Yes Bank Andhra Bank Bank of Maharashtra Kotak Mahindra Bank Ltd Federal Bank Total : DISTRICTWISE CREDIT DEPOSIT RATIO OF THE STATE as on 31st March' 2018 Sl. District No. of Brs. Total Deposit Total Advance CD Ratio 1 West Sepahijala Khowai Dhalai Gomati South Unakoti North Total

37 TRIPURA STATE Agenda Item No. 5 Credit Deposit Ratio as on 31st March' 2018 for West Tripura District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Allahabad Bank Bandhan Bank Bank Of Borada Bank Of India Canara bank Central Bank Of India Dena Bank Indian Bank Indian Overseas Bank Punjab & Sind Bank State Bank Of India UCO Bank Union Bank United Bank Of India Vijaya Bank AXIS BANK Punjab National Bank Syndicate Bank Oriental Bank Of comerce ICICI Tripura Gramin Bank ACUB TCARDB IDBI BANK IDFC Bank Tripura State Co-op Bank INDUSIND BANK HDFC Bank Corporation Bank South Indian Bank Yes Bank Andhra Bank Bank of Maharashtra Kotak Mahindra Bank Ltd Federal Bank Total

38 STATE TRIPURA Agenda Item No. 5 CD Ratio as on 31st March' 2018 for Gomati District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Allahabad Bank Bandhan Bank Bank Of Borada Bank Of India Canara bank Central Bank Of India Indian Overseas Bank State Bank Of India UCO Bank Union Bank United Bank Of India AXIS BANK Syndicate Bank ICICI Tripura Gramin Bank ACUB TCARDB IDBI BANK Tripura State Co-op Bank HDFC Bank Total : CD Ratio as on 31st March' 2018 for South Tripura District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Bandhan Bank Bank Of India Canara bank State Bank Of India UCO Bank Union Bank United Bank Of India AXIS BANK Tripura Gramin Bank TCARDB IDBI BANK Tripura State Co-op Bank Total :

39 TRIPURA Agenda Item No. 5 CD Ratio as on 31st March' 2018 for Unakoti District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Bandhan Bank Canara bank Central Bank Of India Indian Overseas Bank State Bank Of India UCO Bank United Bank Of India ICICI Tripura Gramin Bank TCARDB Tripura State Co-op Bank Total : CD Ratio as on 31st March' 2018 for North Tripura District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Bandhan Bank Bank Of India Canara bank State Bank Of India UCO Bank Union Bank United Bank Of India AXIS BANK Punjab National Bank Syndicate Bank ICICI Tripura Gramin Bank IDBI BANK Tripura State Co-op Bank INDUSIND BANK HDFC Bank Total :

40 TRIPURA Agenda Item No.5 CD Ratio as on 31st March' 2018 for Sepahijala District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Bandhan Bank Bank Of India Canara bank Punjab & Sind Bank State Bank Of India UCO Bank United Bank Of India AXIS BANK Punjab National Bank Syndicate Bank Oriental Bank Of comerce Tripura Gramin Bank TCARDB Tripura State Co-op Bank Total : CD Ratio as on 31st March' 2018 for Khowai District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Allahabad Bank Bandhan Bank Canara bank Indian Overseas Bank State Bank Of India UCO Bank United Bank Of India ICICI Tripura Gramin Bank Tripura State Co-op Bank Corporation Bank Total : CD Ratio as on 31st March' 2018 for Dhalai District.(Amt.in Lacs) Sl.No. Name of the Bank Total Deposit Total Advance Total C.D. Ratio (1) (2) (3) (4) (5) 1 Bandhan Bank Bank Of India Canara bank Central Bank Of India Indian Bank State Bank Of India UCO Bank United Bank Of India ICICI Tripura Gramin Bank Tripura State Co-op Bank Total :

41 Implementation of Annual Credit Plan(ACP) Agenda Item No 6 Action Points emerged in the last SLBC Meetings: 100% disbursement targets set against all sectors under ACP is to be achieved (Action: All Banks). Status of implementation All the banks put together disbursed Rs crore i.e. 113% of the Annual Target for Rs crore under ACP as on March 2018 for FY The overall achievement is 113% against the target of ACP as on while achievement under Agriculture sector is 109%. Achievements in MSME and OPS are 147% and 70% of the ACP Targets respectively as on A comparative position of achievement in disbursement under ACP as on with the corresponding period of the previous year is as under: Amt. Rs. In Lakhs (April to March 2017) (April to March 2018) Sector Plan Achievement (April- March 17) % to Target Plan Achievement (April- March 18) % to Target % of growth (Y-O-Y) Agriculture MSME Other Prisec Total Prisec Non-Prisec Grand Total Bank wise performance on different sectors under ACP pertaining to the year as on has been given in the annexure. 36

42 Rs. in Crore Achievement of Annual Credit Plan up to Other Total Total Credit Non Priority Agriculture MSME Priority Priority Plan/Achiev Sector Sector Sector ement Target Achievement Target Achievement Sector Credit Disbursement under ACP as on and Amt. Rs. in Agricultur MSME Other Total Non Total e Priority Priority Priority Credit Sector Sector Sector Plan/Achi evement

43 Share of Banks in achievement of ACP up to Amt. Rs. In Crore Bank Name Actual Achievement % of Share State bank of India United Bank of India UCO Bank Canara Bank Central Bank of India Bank of India Union Bank of India Pvt. Sector Banks Tripura Gramin Bank Cooperative Banks Other Banks TOTAL Share of Banks in achievement of ACP up to Cooperative Banks 7% Tripura Gramin Bank 20% Other Banks 3% State bank of India 11% Pvt. Sector Banks 42% United Bank of India 11% Canara Bank 1% UCO Bank 3% Bank of India 1% Union Bank of India 1% Central Bank of India 0% 38

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

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

46 Flow of Credit to Agriculture & Allied Activities The position of credit disbursement to agriculture against the Annual Credit Plan as compiled by SLBC for the State of Tripura for last 5 years is as follows: (Rs.in crore) Year Target Achievement % of Target Growth Over Last Year 63% 44% - Disbursement during FY i.e. April 2017-March 2018 is Rs crore i.e. 109% of Annual Target for Rs crore recording an increase of 44% over the disbursement of corresponding period of last year ( ). Plan Year Agency wise achievement Status of Farm Credit under ACP in Tripura Status reports of last 5 Years is as under Amt. Rs. In Crore Parameter Commercial Banks RRB Co-Operatives Others Total Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv

47 Progress report on flow of farm credit by all Banks in Tripura for the year is given below: Amt. Rs. In Crores Sl No. Directive Target ( ) Achievement during (April 17 March 18) 1 Increase in Farm Credit Rs Achievement during is Rs Crore (109% of the target), i.e. recording an increase of 44% over the disbursement during the corresponding period of last year ( ). 2 KCC (No.) nos. (101% of the target including renewal) KCCs. 3 New Farmers (No.) 4 Investment Credit nos of New farmers have been financed involving an amount of Rs crores. 2-3 cases per branch 10 cases for Rs 0.37 Crores. (R & SU) Bank wise position as on for different sectors is furnished in the Annexure. Pradhan Mantri Fasal Bima Yojana (PMFBY): PMFBY has been implemented in the State from Kharif Awareness programme was organized in each Block of the State on by the State Agriculture Department in collaboration with Banks, Block level officials and other financial institutions for improvement of awareness of the farmers so that all eligible farmers are covered during Kharif 2018 so as to protect the farmers from the natural calamities like flood, draught etc. As per scheme, cutoff date for Kharif 2018 is Notification for crop insurance by the State Government for Kharif season is yet to be circulated. 42

48 Implementation of PMFBY in Tripura: Item Kharif Rabi Total Kharif Rabi Total Loanee No. of Farmers Non-Loanee Insured Total Area Insured (in ha) Sum Insured (Rs. in lakh) Gross Premium (Rs. in lakh) Total Premium Subsidy (Rs. in Lakh) Farmers Premium (Rs. in lakh) Claim Settled & Disbursed No. of farmers Amount Disbursed (Rs. in lakh) Remarks All claims settled Claim settlement for an amount of RS. 34 lakh is under process Claim settlement for Aman Paddy for shortfall in production is under process 43

49 Share of Banks in achievement of ACP under Agriculture up to Amt. Rs. In Crore Bank Name Actual Achievement % of Share State bank of India Bank of India United Bank of India Canara Bank UCO Bank Central Bank of India Union Bank of India Pvt. Sector Banks Tripura Gramin Bank Cooperative Banks Other Banks TOTAL Share of Banks in achievement of ACP under Agriculture up to Cooperative Banks 11% Tripura Gramin Bank 22% Other Banks 1% State bank of India 11% United Bank of India 11% Pvt. Sector Banks 42% Bank of India 0% Canara Bank 0% Central Bank of India UCO Bank 0% 1% Union Bank of India 1% 44

50 Bank - wise Targets and Achievement in Agriculture for for the State of Tripura under ACP as on March 2018 Sl.No. BANKS Target Achievement % of Achievem ent Target Achievement Amt. Rs. In Lakhs % of Achievement Allahabad Bank Andhra Bank Bank of Baroda Bank of Maharashtra Bank of India Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Bharatiya Mahila Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank A ACP PUBLIC sec Bank AXIS BANK Bandhan Bank Federal Bank HDFC IDFC Bank ICICI Bank Indusind Bank Kotak Mahindra Bank South Indian Bank Yes Bank B ACP PRIVATE Sec bank Tripura Gramin Bank C ACP RRB ACUB TCARDB TSCB D ACP Coop. Bank GRAND TOTAL

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

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

53 TRIPURA STATE Achievement of Farm Credit As on March 2018 for the year by the different lending institutions is given below Agenda Item No- 6 Sl.No. BANKS Plan for Farm Credit Achievement (April 2017 to (Amt in Lacs) Percentage of Achievement December 2017) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of Maharashtra Bank of India Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Indian Overseas Bank Punjab National Bank Punjab & Sind Bank State Bank of India Syndicate Bank Oriental Bank of Commerce United Bank of India Union Bank of India UCO Bank Vijaya Bank A ACP PUBLIC sec Bank AXIS BANK Bandhan Bank HDFC ICICI Bank IDFC Bank Indusind Bank South Indian Bank Yes Bank Federal Bank Kotak Mahindra Bank Ltd B ACP PRIVATE Sec bank Tripura Gramin Bank C ACP RRB ACUB TCARDB TSCB D ACP Coop. Bank GRAND TOTAL

54 Each rural and semi urban branch of commercial banks, on an average, will take up at least 2 to 3 New Investment Projects. Target and achievement for for investment credit is given in the following table: Sl.No. Name of Bank Proposal Received for Investment Project (Rs. In Lacs) Achievement (April 2017 to March 2018) No No Amt 1. CBI SBI UCO UBI TGB TSCB TCARDB Total: Investment Project could be in the areas of plantation and horticulture, animal husbandry, fisheries, minor irrigation, waste land development, agro processing, food processing etc. with a typical project cost of Rs. 3 lac to 5 lac. 49

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

56 Flow of Credit to MSME The position of credit disbursement to MSME sector against the Annual Credit Plan for the State of Tripura for last 5 years is as under: Amt. Rs. In Crore Sl. Plan Year Target Achievement % of Achievement Growth over last year 13% 17% - The disbursement made during FY i.e. April 2017-March 2018 is Rs crore i.e. 147% of the Annual Target, thus recording an increase of 17% over the disbursement of Rs crore made during the corresponding period last year ( ). Plan Year Agency wise achievement Status of MSE / MSME under ACP in Tripura Status reports of last 5 Years is as under Amt. Rs. In Crore Commercial Parameter RRB Co-Operatives Others Total Banks Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Details of achievement of MSME under ACP (April-March 2018) are furnished in the Annexure. 51

57 Share of Banks in achievement of ACP under MSME up to Amt. Rs. In Crore Bank Name Actual Achievement % of Share State bank of India Bank of India United Bank of India Canara Bank UCO Bank Central Bank of India Union Bank of India Pvt. Sector Banks Tripura Gramin Bank Cooperative Banks Other Banks TOTAL Share of Banks in achievement of ACP under MSME up to Other Banks 4% Cooperative Banks 1% Tripura Gramin Bank 12% State bank of India 8% Bank of India 2% United Bank of India 7% Canara Bank 1% UCO Bank 5% Union Bank of India 1% Pvt. Sector Banks 59% 52

58 Sl.No. Bank - wise Targets and Achievement in MSME for for the State of Tripura under ACP as on March' 2018 Amt. Rs. In Lakhs BANKS Target(T) Achievement(A) A as % o f T Target(T) Achievement (A) A as % o f T Allahabad Bank Andhra Bank Bank of Baroda Bank of Maharashtra Bank of India Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Bharatiya Mahila Bank Indian Overseas Bank Punjab National Bank Punjab & Sind Bank State Bank of India Syndicate Bank Oriental Bank of Commerce United Bank of India Union Bank of India UCO Bank Vijaya Bank A ACP PUBLIC sec Bank AXIS BANK Bandhan Bank HDFC ICICI Bank IDFC Bank Indusind Bank South Indian Bank Yes Bank Federal Bank Kotak Mahindra Bank Ltd B ACP PRIVATE Sec bank Tripura Gramin Bank C ACP RRB ACUB TCARDB TSCB D ACP Coop. Bank GRAND TOTAL GRAND TOTAL

59 Flow of credit to Other Priority Sectors The position of credit disbursement to Other Priority Sectors against the Annual Credit Plan for the State of Tripura for last 5 years is given below- Amt. Rs. In Crore Sl. Plan Year Target Achievement % of Achievement Growth over last year 12% -25% - All banks disbursed Rs crore during FY i.e. from April March 2018 against the disbursement of Rs crore made during the corresponding period of last year ( ). Agency wise achievement Status of OTHER PRIORITY SECTORS(OPS) under ACP in Tripura Status reports of last 5 Years is as under Amt. Rs. In Crore Commercial Plan Year Parameter RRB Co-Operatives Others Total Banks Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Target Achievement % of Achv Details of achievement of Other Priority Sectors (OPS) under ACP during April March 2018 are furnished in the Annexure. 54

60 Share of Banks in achievement of ACP under OTHER PRIORITY SECTORS up to Amt. Rs. In Crore Bank Name Actual Achievement % of Share State bank of India Bank of India United Bank of India Canara Bank UCO Bank Central Bank of India Union Bank of India Pvt. Sector Banks Tripura Gramin Bank Cooperative Banks Other Banks TOTAL Share of Banks in achievement of ACP under OTHER PRIORITY SECTORS up to Cooperative Banks 9% Other Banks 9% State bank of India 20% Bank of India 1% Tripura Gramin Bank 34% United Bank of India 18% Pvt. Sector Banks 3% Union Bank of India 1% UCO Bank 2% Canara Bank 2% Central Bank of India 1% 55

61 Bank - wise Targets and Achievement in OTHER PRIORITY SECTORS for for the State of Tripura under ACP as on March'2018 Amt. Rs. In Lakhs Sl.No. BANKS Target(T) Achievement(A) A as % o f T Target(T) Achievement(A) A as % o f T Allahabad Bank Andhra Bank Bank of Baroda Bank of Maharashtra Bank of India Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank IDBI BANK Bharatiya Mahila Bank Indian Overseas Bank Punjab National Bank Punjab & Sind Bank State Bank of India Syndicate Bank Oriental Bank of Commerce United Bank of India Union Bank of India UCO Bank Vijaya Bank A ACP PUBLIC sec Bank AXIS BANK Bandhan Bank HDFC ICICI Bank IDFC Bank Indusind Bank South Indian Bank Yes Bank Federal Bank Kotak Mahindra Bank Ltd B ACP PRIVATE Sec bank Tripura Gramin Bank C ACP RRB ACUB TCARDB TSCB D ACP Coop. Bank GRAND TOTAL

62 Share of Banks in achievement of ACP under PRIORITY SECTOR up to Amt. Rs. In Crore Bank Name Actual Achievement % of Share State bank of India Bank of India United Bank of India Canara Bank UCO Bank Central Bank of India Union Bank of India Pvt. Sector Banks Tripura Gramin Bank Cooperative Banks Other Banks TOTAL Share of Banks in achievement of ACP under PRIORITY SECTOR up to Cooperative Banks 7% Other Banks 3% State bank of India 10% Bank of India 1% Tripura Gramin Bank 20% United Bank of India 10% Canara Bank 1% UCO Bank 3% Union Bank of India 1% Pvt. Sector Banks 44% 57

63 Agenda No.- 7 Issuance of KCC during the year Action Points emerged in the 124 th SLBC Meeting held on All Banks are to exert efforts to issue KCCs to all eligible farmers within (Action: All Banks and Agriculture Department). Status of implementation KCCs (Including Renewal) sanctioned by Banks amounting to Rs Crores during FY , thereby achieving 101% of the tentative Annual Target (50,000 Nos.). Apart from Crop loans, 2,77,452 numbers of Term loans have been disbursed amounting to Rs Crores. Performance of KCC in the last three years is given below: (Amt. Rs in lacs) Quarter Year Target Issued No. Amt. % of Achievement. March March March Bank-wise performance under KCC as on has been shown in the Annexure. 58

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

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

66 SELF HELP GROUPS Agenda No- 8 Sl.No. Name of the Bank Deposit Linkage cumulative SELF HELP GROUP Position as on Under SHG (NRLM+NERLP+WSHG) Credit linkage Direct SHG (Amt. in Rs./Lacs) Total No. Amt. Nos. Amt. Nos. Amt. Nos. Amt. Outstanding as on No Amt UBI SBI TGB TSCB UCO P & SB VB BOI IDBI BOB TOTAL : Action Points emerged in SLBC Meetings: To ensure implementation of CBRM Mechanism by the rural Branches and hold meeting on monthly basis (Action: All Banks) Status of implementation The Rural Bank Branches are conducting meetings and Banks are once again requested to monitor the implementation of the CBRM mechanism at the Branch level to improve recovery position in the rural areas. 61

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

68 Deendayal Antyodaya Yojana- National Urban Livelihood Mission (DAY-NULM): The Sate target for disbursement of DAY-NULM loan to Individual and Group under SEP component for the FY was 190 (Individual- 140 & Group- 50) to 10 ULBs. All banks sanctioned loans to 36 individuals and 8 Groups during FY ULB Wise Performance for FY : Details of loan proposals disbursed from 1st April 2017 to 31st March 2018 under DAY-NULM Name of ULB Total No. of Loan Proposal Disbursed to Individual Total Amount of Loan Proposal Disbursed (Amt. in lakh) Break up of details Name of Bank No. of loan Disbursed Total No. of Loan Proposal Disbursed to SHG Total Amount of Loan Proposal Disbursed (Amt. in lakh) Break up of details Name of Bank No. of loan Disbursed Dharmanagar TGB 2 TSCB TGB 2 Kailasahar TGB 6 UCO Khowai UCO SBI 2 Agartala UCO Udaipur Union Bank 2 UBI UBI 1 Canara 2 Belonia TGB 7 SBI TSCB 4 TSCB 4 UCO 1 TOTAL State Target for disbursement of loan to Individual, Group and SHG under SEP component for the FY has been finalized by the Directorate of Urban Development, Government of Tripura. The Target of SEP(I) is 200, SEP (G) is 80 and SHG Bank Linkage is 100.The allocation of total Target to all 20 ULBs is annexed. 63

69 Self Employment Programme (SEP) Target for the Financial Year Sl. No. Name of ULBs SEP (Individual Target) (A+B) SEP (Group Target) (A+B) No. of SHGs to be covered under SHG- Bank Linkage Programme No. of beneficiaries assisted-individual enterprises through Task Force Committee (A) No. of beneficiaries assisted- individual enterprises through MUDRA convergence (B) No. of groups and no. of beneficiaries assisted-group enterprises through Task Force Committee (A) No. of groups and no. of beneficiaries assisted- group enterprises through MUDRA convergence 1 AMC Dharmanagar Kailasahar Ambassa Khowai Udaipur Belonia Panisagar Kumarghat Kamalpur Teliamura Jirania Ranirbazar Mohanpur Bishalgarh Sonamura Melaghar Amarpur Santirbazar Sabroom Total

70 Recovery Performance of Banks As on Agenda Item No. 9 The recovery mechanism is also not functioning properly and the NPAs are rising more or less in all banks. Some of the reasons could be as under: Diversion of fund. Joint Recovery camps with active involvement of State Govt. Representatives are not being held frequently. Inadequate follow- up and personal contact with the borrowers. Un-remunerative price of Agricultural produce. Marketing facility is inadequate for industrial products. A good number of borrowers do not repay their loans willfully. Two Debt Waiver schemes have left negative image in the minds of borrowers who used to be paymasters earlier. Recovery process through legal recourse is time consuming. Recovery percentage under Public Demand Recovery Act is very poor. In enforcing recovery through SARFAESI act, more proactive support of State Govt. is necessary. The house may discuss these issues and suggest corrective measures for implementation. Sector wise recovery Overall recovery percentage in respect of three broad sectors, viz., Agriculture, MSME and Other Prisec as on stands at 63%. A comparative table relating to March 2018 with that of March 2017 is produced below: Rs/ Lacs Sector March 2017 March 2018 Demand Recovery % Demand Recovery % Agriculture & allied MSME Other Prisec TOTAL Scheme wise recovery as on Comparative position of some selected schemes is given below: Rs/ Lacs Sector March 2017 March 2018 Demand Recovery % Demand Recovery % SJSRY SGSY REGP(MMS) PMRY PMEGP

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

72 TRIPURA STATE Agenda Item No-9 Sl No. BANKS BANK-WISE & GOVERNMENT PROGRAMME-WISE RECOVERY PERFORMANCE AS ON PMRY Total Outg. Demand Recovery Total Overdue Total Outg. Demand Recovery Total Overdue Total Outg. No. Amt. No. Amt. No. Amt. Demand Recovery ( Amount in Lacs) Total Overdue 1 A.B Andhra Bank BOB BOI Canara CBI Corporation IB IDBI IOB P&SB SBI UCO UB UBI VB HDFC AXIS BANK PNB DENA ICICI Syndicate BOM OBC A ASCB excl.rrb TGB Sub B ASCB incl RRB ACUBSub TCARDB TSCB C Coop. Bank Sub Total GRAND TOTAL SGSY SJSRY 67

73 TRIPURA STATE Agenda Item No-9 Sl No. BANKS BANK-WISE & GOVERNMENT PROGRAMME-WISE RECOVERY PERFORMANCE AS ON TRANSPORT OPERATOR Total Outg. Demand Recover y Total Overdu Total Outg. Deman d Recovery Total Overdue Total Outg. No. Amt. No. Amt. No. Amt. ( Amount in Lacs) KVIC(MMS) Demand Recover y Total Overdue A.B Andhra Bank BOB BOI Canara CBI Coprporation IB IDBI IOB P&SB SBI UCO UB UBI VB HDFC AXIS BANK PNB DENA ICICI Syndicate BOM 24 OBC A ASCB excl.rrb TGB B ASCB incl RRB ACUBSub TCARDB TSCB C Coop. Bank Sub Total GRAND TOTAL SUME 68

74 TRIPURA STATE Agenda Item No- 9 Sl No. BANKS Total Outg. Deman d Recover y Total Overdue Total Outg. Demand Recovery Total Overdue Total Outg. No. Amt. No. Amt. No. Amt. Demand Recovery Total Overdue A.B Andhra Bank BOB BOI Canara CBI Coprporation IB IDBI IOB P&SB SBI UCO UB UBI VB HDFC AXIS BANK PNB DENA ICICI Syndicate Bank BOM OBC A ASCB excl.rrb Sub TGB Total B ASCB incl. RRB Sub ACUBTotal C BANK-WISE & GOVERNMENT PROGRAMME-WISE RECOVERY PERFORMANCE AS ON SEEUY ( Amount in Lacs) SWAVALAMBAN 27 TCARDB TSCB Coop. Bank Sub Total Grand Total PMEGP

75 TRIPURA STATE Agenda Item No-9 Sl No. BANKS Total Outg. Dema nd Recover y Total Overd Total Outg. Demand Recover y Total Overdue Total Outg. No. Amt. No. Amt. No. Amt. Demand Recovery ( Amount in Lacs) Total Overdue 1 A.B Andhra Bank BOB BOI Canara CBI Coprporation IB IDBI IOB P&SB SBI UCO UB UBI VB HDFC 18 AXIS BANK PNB DENA ICICI Syndicate Bank BOM 24 OBC A ASCB excl.rrb TGB Sub B ASCB incl RRB ACUBSub Total TCARDB TSCB C Coop. Bank Sub Total GRAND TOTAL BANK-WISE & GOVERNMENT PROGRAMME-WISE RECOVERY PERFORMANCE AS ON D.R.I. SHG IRDP 70

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

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

78 Agenda Item No POSITION OF NPA OF BANKS IN THE STATE OF TRIPURA As on Rs. In Crores. Year Gross Advance Gross NPA Amount Amount % to Gross NPA March March March March March March March March March Percentage of gross NPA decreased from 5.64% as on March 2017 to 5.32% as on March Amount in absolute terms increased to Rs crore as on 31 st March 2018 from Rs crore as on March The outstanding amount under Written off A/Cs (Shadow Register) is around Rs crore which if added with the outstanding NPA, the total amount would be Rs crore which seems to be high. NPA Position and amount outstanding in Shadow Register of Banks in Tripura as on is furnished in the Annexure. 73

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

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

81 STATUS OF GOVT. SPONSORED SCHEMES & NPA GENERATED THEREOF PMRY PMEGP SWAVALAMBAN A/Cs Outstanding Outstd. Balance as on NPA A/Cs Amt. Outstd. As on A/Cs Outstand ing Outstd. Balance as on NPA A/Cs Amt. Outstd. As on A/Cs Outstanding Outstd. Balance as on NPA A/Cs Amt. Outstd. As on Allahabad Bank Andhra Bank Bank of Baroda Bank of Maharastra Bank of India Canara Bank Central Bank of India CORPORATION BANK Indian Bank IDBI BANK IOB PNB P&SB SBI SYNDICATE BANK OBC United Bank of India Union Bank of Inida UCO Bank Vijaya Bank ASCB of PSBs Sub-Total AXIS BANK HDFC BANK ICICI INDUSIND BANK 25 SOUTH INDIAN BANK 26 Yes Bank 27 Federal Bank 28 Kotak Mahindra ASCB of Pvt s Sub-Total TGB TGBs Sub-Total ACUB 31 TCARDB 32 TSCB Ltd ASCB ofcoop Sub-Total GRAND TOTAL

82 Performance of Banks in key areas as on March 2018 compared to March 2016 & March 2017 Parameters March 2016 March 2017 March 2018 (Amt. Rs in Crore) Variation over March 2017 Amount % of increase Deposit Advance CD Ratio Investments (C+I)D Ratio with Inv RIDF* CD Ratio with RIDF # Govt. fund lying with Banks CD ratio without Govt. Fund Credit in flow from outside the state CD Ratio including Govt. Deposit with Credit inflow CD ratio excluding Govt. Dep including credit inflow - 5 Priority Sector Credit (PSC) % of PSC to ANBC * Sectoral deployment of PSC: 1. Agriculture % of Agriculture Adv. to ANBC MSME Other Prisec PSC to major sub-sectors: (i)weaker section % of weaker section credit to ANBC II) SC III) ST IV) Women Entrepreneur % of women credit to ANBC V) Minority Community % to Total Prisec Advance ANBC= Adjusted Net Bank Credit, (ANBC as on March 2017 Rs Crore). 77

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

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

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

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

87 Adjusted Net Bank Credit (ANBC) as on the corresponding date of the preceding year Credit Equivalent of Off Balance sheet Exposures (CEOBE) as on the corresponding date of the preceding year Annual Statement on Priority Sector Advances and Sectoral Deployment of Credit (State-wise) Number of Accounts in absolute terms and Amount in Lakhs Sl. No Categories Disbursements during the Year Out of disbursements, Loans to SC/ST Outstanding at the end of the Year Out of outstanding loans, loans to SC/ST No. of A/cs Amount disbursed No. of A/cs Amount No. of A/cs No.of benefici aries Balance O/s No. of A/cs No.of benefici aries Balance O/s 1 Priority Sector I Agriculture (i) Crop Loans (ii) Investment Credit Out of (ii) above loans for Agriculture Implements & Machinery (iii) Allied Activities (a) Fisheries (b) Dairy (c) Poultry (d) Animal Husbandry (e) Bee keeping (f) Sericulture (g) Others Out of Agriculture, loans to small and marginal farmers Out of Agriculture, loans to marginal farmers- Crop Loans Out of Agriculture, loans to marginal farmers- Investment Credit Out of Agriculture, loans to small farmers- Crop Loans Out of Agriculture, loans to small farmers-investment Credit Out of Agriculture, loans to marginal farmers for Allied activities Out of Agriculture, loans to Small farmers for allied activities Out of Agriculture, loans to other Individual farmers Out of Agriculture, loans to corporate farmers, farmers' Out of Agriculture, loans to Food & Agro-processing II MSMEs (i) Micro Enterprises (a) Manufacturing Enterprises (b) Service Enterprises (advances up to 5 crore) (ii) Small Enterprises (a) Manufacturing Enterprises (b) Service Enterprises (advances up to 5 crore) (iii) Medium Enterprise (a) Manufacturing Enterprise (b) Service Enterprises (advances up to 10 crore) (iv) (v) III Advances to KVI Other Finance to MSMEs Export Credit IV Education V Housing VI Renewable Energy VII Social Infrastructure VIII 'Others' category under Priority Sector Loans to Weaker Sections under Priority Sector Non-Priority Sector Loans I Agriculture II MSME (Service) (i) Micro Enterprises (Service) (advances above 5 crore) (ii) Small Enterprises (Service) (advances above 5 crore) (iii) Medium Enterprises (Service) (advances above 10 crore) III Education Loans IV Housing Loans V Personal Loans under Non-Priority Sector VI Other Non-Priority Sector Loans 4 Total Loans

88 Regional imbalances in deployment of credit to various sectors of the economy: Credit off take in Tripura is generally at a lower side compared to the other States of the country. The CD ratio of the State during last two- three years has moved both ways in the range of 30% to 45% and as on it stands at 45%. The State had achieved the target under ACP (102%), ACP (113%), ACP (114%), ACP (99%) ACP (98%), ACP (94%), ACP (123%), ACP (116%), ACP (124%), ACP (125%) and ACP (113%) resulting in growth of advances. Yet the CD ratio is not up to the mark. The reasons could be as under: i. Relatively faster growth in deposits. ii. Scope of big Industrial Advance is limited. iii. Being a landlocked State, cannot go all out to market its products in the other parts of the country. iv. Contribution of Traditional sector towards total advance of the State is much lower in comparison to other States. v. Priority sector being the principal sector where credit flow has limited absorption capacity. vi. Non-availability of adequate irrigation facility is one of the limiting factors of low credit off take in the State. In Tripura (W) district where CD ratio is the lowest in the State, one Sub-committee under DCC is reviewing in each DCC meeting and action points are taken to push up the CD ratio of the District. 83

89 EMPLOYMENT GENERATION SCHEMES Agenda Item No 12 Scheme-wise performance under Employment Generation Scheme by Banks for is given below: (Rs/ lac) Scheme Prog. Year Target Spon. Sanctioned Disbursed No No No Amt No Amt PMEGP March SWAVALAMBAN March PMEGP For the FY , 4476 PMEGP cases were sponsored to the bank branches against the revised target of 1605 cases, out of which 2354 cases were sanctioned amounting to Rs Crore as on SWABALAMBAN For FY , 6657 cases have been sponsored against the target of Banks have sanctioned 2898 cases amounting to Rs Crore as on

90 TRIPURA STATE PERFORMANCE UNDER PMEGP FOR THE FINANCIAL YEAR AS ON ( Amt in Lacs.) TARGET SPONSORED SANCTIONED DISBURSED Sl.No. NAME OF THE BANKS NO NO AMT. NO AMT. NO AMT. 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Indian Bank IDBI BANK Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India UCO Bank Vijaya Bank A Sub Total of Public Sec. Bank AXIS BANK Bandhan Bank Federal Bank HDFC ICICI Indusind Bank Kotak Mahindra Bank South Indian Bank YES Bank B Sub Total of Pvt. Sec. Bank Tripura Gramin Bank C Sub Total of RRB ACUB TCARDB TSCB D Sub Total of Coop.Banks GRAND TOTAL

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

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

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

94 Agenda item No. 13 Grant of Educational loans/housing loans/specialized Schemes/DRI Outstanding Credit as on Achievement under DRI by Banks as on : (Rs.in lac) Sl no Name of the Bank Sanctioned (17-18) Outstanding as on No Amount No Amount 1 UBI SBI Canara Bank UCO bank P & SB CBI IOB PNB Syndicate Bank TOTAL Education Loan: The banks have been financing under Educational Loan Scheme since last years as per directives of the Govt. of India and recommendations of High Level Committee on Lead Bank Scheme. The progress under the scheme covering disbursement and total credit exposure are now being reviewed regularly. A report on progress made under Education Loan during the year is annexed; the summary position is as under: Amt. Rs. In lac Balance outstanding as on Disbursement made during the year Balance outstanding as on A/c Amount A/c Amount A/c Amount A new Central Sector Scheme of Interest Subsidy on Educational Loan taken by Students belonging to economically weaker sections to pursue technical/professional education in India is operative in the entire country. The State Govt. is requested to please see that the deserving students get income certificate without any hazard. The Bank wise achievement of Education Loan for the financial year has been annexed. Reports on progress made under Housing Loan and other Specialized Schemes during the year as on are annexed. 89

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

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

97 SCHEME TO PROVIDE BANK LOAN WITH STATE GOVT. SUBSIDY FOR PURSUING B.ED. FOR PROSPECTIVE STUDENTS OF TRIPURA: State is in the process of formulating a Scheme to provide assistance by way of interest subsidy during moratorium period of study or capital subsidy on education loans taken by students from scheduled Banks/ RRB/ TSCBL to pursue B.Ed. courses in recognized institutions. For this, a meeting was held on with the Bankers on the modalities of education loan scheme for prospective B.Ed. students studying in Tripura or other States to fill up the vacancies of the teachers for Tripura. The scheme is under process of finalization by the State Government. Pradhan Mantri Awas Yojana (PMAY) - DPR I: Like other States, Pradhan Mantri Awas Yojana (PMAY) is being implemented in all 20 ULBs across the State of Tripura. Total 42,896 beneficiaries was approved by the State Government (as per DPR). Progress on implementation of PMAY along with CLSS scheme was reviewed on under the Chairmanship of the Principal Secretary, Urban Development Department, Govt. of Tripura in presence of executives from National Housing Bank (NHB) and HUDCO and officials from Urban Development Department, Govt. of Tripura and different Banks in the State of Tripura. Principal Secretary, UDD, Govt. of Tripura briefed about the implementation of PMAY in the State and emphasized on the inclusion of more and more beneficiaries under Credit Linked Subsidy Scheme (CLSS). He pointed out the issue regarding exclusion of several beneficiaries under CLSS and requested the Bankers in Tripura to appraise the beneficiaries while accepting loan proposals under Housing scheme in 20 ULBs fulfilling income and other criteria. He also suggested for an awareness meeting for the Bankers and beneficiaries with the help of National Housing Bank (NHB) and HUDCO during the first fortnight of July so that more numbers of beneficiaries get the benefit of interest subvention under CLSS. 92

98 SME financing & bottlenecks thereof, if any Some of the problems that are being faced by the entrepreneurs of the State can be summarized as under: Reluctance of big industrial houses to set up their units in the northeast. Inadequate Research & Development facilities Inadequate level of computer based technology Limited spread of brand image Low productivity Inadequate infrastructure facilities Being a landlocked State transportation of products of the State to other part of the country is dependent on road connectivity only. Because of the distance, transportation cost is much higher in comparison to other States. The summary of SWOT analysis of Industries in the State could be as under: Strength : Abundance of natural resources and cheap labours. Political stability etc. Weakness : Inadequate Research & Development facilities, lack of proper system of identification of viable projects and activities and marketing bottlenecks. Opportunities : Cross border trading with Bangladesh and increasing domestic demand. Threat economy. : Relatively higher production cost and fast changes that are taking place in the The following measures suggested below may be considered for discussion with a view to combat the problems and to ameliorate the industrial situation in the State: To examine the issue of supply of power at a reasonable cost to entrepreneurs. To study the financial implication for compliance of pollution control norms. To promote the brand image of industries of the State. To create proper marketing and infrastructure facilities. To promote Research & Development activities for continuous development of product quality and cost efficiency to face competitions. Particulars of Flow of credit to MSE sector has been shown in Agenda Item IV. 93

99 IMPORTANT ISSUE REVAMP OF LEAD BANK SCHEME: Lead Bank Scheme (LBS) was last reviewed by the High Level Committee under Smt. Usha Thorat, the then Deputy Governor of RBI as the Chairperson in In view of the changes that have taken place in the financial sector over the years, RBI had constituted a Committee of Executive Directors of the banks to study the efficacy of the scheme and suggest measures for improvement. The Committee s recommendation were discussed with various stakeholders and based on their feedback, RBI issued latest directives on 6 th April 2018 on revamp of Lead Bank Scheme. The directives so issued by RBI are to be implemented in the State in letter and spirit. Few important action points that have emerged from that directive are furnished below: From now on, State Level Bankers Committee (SLBC) meetings should primarily focus on policy issues having participation of only the senior functionaries of the banks/ Government Departments. All routine issues are to be delegated to various Sub-Committee of the SLBC. After a detailed discussion with RBI Agartala on Sub Committee to be formed considering present requirement, it is proposed to have following Sub Committees: 1. Sub Committee of SLBC on Agriculture. 2. Sub Committee of SLBC on MSME. 3. Sub Committee of SLBC on SHG, RSETI & Financial Inclusion. 4. Sub Committee of SLBC on management of Stress Assets. 5. Sub Committee of SLBC on Data Management As is the requirement, a Steering Sub-committee is proposed to be constituted in the SLBC with representation from RBI, NABARD, SLBC Convenor Bank, State Bank of India, TGB, TSCB, UCO Bank, Central Bank of India, Departments of Finance, Agriculture, MSME & TRLM to primarily deliberate on agenda proposals from different stakeholders and finalise a compact agenda for the SLBC meetings henceforth. The relevant guideline of RBI, which is applicable for all Banks operating in the country, indicated that the corporate business targets of the Banks for branches, Blocks, Districts and States should be aligned with the Annual Credit Plan adopted by SLBC for the State to ensure better implementation. The Controlling Offices of the banks in each state should synchronize their internal business plans with the ACP of the State. All Member Banks are to take note of this. RBI has shown its concern over integrity & timeliness of the data submitted by banks to SLBC since it is felt that a significant portion of this data is manually compiled and entered into the Data Management Systems of the SLBC Convener Banks. Accordingly SLBCs have been directed to develop a system on its website to enable uploading and downloading of the data pertaining to the Block, District as well as the State. For obvious reason, the relevant data is to be downloaded from the MIS of 94

100 the banks with a view to keeping manual intervention to a minimal level in the process. All member Banks are requested to give full support to SLBC Desk in this regard, particularly when UAT process would start. The other part of the directive is related to strengthening the BLBC forum with a clear stipulation that all branch managers should attend BLBC meetings and enrich the discussions with their valuable inputs. Controlling Heads of banks are also to attend a few of the BLBC meetings selectively. Member Banks are requested to issue direction in this regard to the field. RBI in their directive also stressed on involvement of Rural Self Employment Training Institutes (RSETIs), particularly at the DCC level. Focus of RSETI should be on development of skills to enhance the credit absorption capacity in the area and renewing the training programmes towards sustainable micro enterprises. RBI circular no. FIDD.CO.LBS.BC.No.19/ / dated on Revamp of Lead Bank Scheme is annexed. 95

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107 Timely submission of data by banks: 25 out of 35 Banks submitted the reports after the stipulated date. All Banks are once again requested to ensure submission of data within the stipulated time period. Timely submission of correct data by all banks/financial institutions is of prime importance for effective functioning of Lead Bank Scheme. Delayed submission of data comes in the way of timely holding of various meetings relating to Lead Bank Scheme. It also debars the convener bank/ lead bank to submit compiled data to RBI, NABARD and Central and State Governments on various items as and when asked for. All banks need to make a lot of improvement in this area. The issue has become more important in the context of RBI directives that SLBC meetings are to be held within 45 days of the end of the quarter. All Banks were requested to submit data within for compilation of Agenda Notes for 125 th SLBC Meeting. The date of submission by the concerned banks is tabulated as follows:- Sl. Bank Date of Submission 1 ACUB Allahabad Bank Andhra Bank AXIS BANK Bandhan Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Federal Bank HDFC ICICI IDBI BANK IDFC Bank Indian Bank Indian Overseas Bank Indusind Bank Kotak Mahindra Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank South Indian Bank State Bank of India Syndicate Bank TCARDB Tripura Gramin Bank TSCB UCO Bank Union Bank of India United Bank of India Vijaya Bank YES Bank

108 FINANCIAL LITERACY/ AWARENESS CAM P ORGANISED BY THE RURAL BRANCHES OF BANKS FOR THE QU ARTER ENDED M ARCH '2018 TRIPURA STATE Sl. District Block Name of Bank Name of Branch M onth Held On 1 Dhalai Manu Bank of India Dhumachherra Jan' Dhalai Salema Bandhan Bank Singinala Jan' Dhalai Durgachoumohani Indian Bank Durgachoumohani Jan' Dhalai Manu SBI Kanchancherra Jan' Dhalai Ambassa TGB Ambassa Jan' Dhalai Ambassa TGB Jawharnagar Jan' Dhalai Ambassa TGB Kachuchara Jan' Dhalai Ambassa TGB Kulai Jan' Dhalai Salema TGB Kamalpur Jan' Dhalai Manu TGB Manu Jan' Dhalai Manu TGB Nalkata (82 Miles) Jan' Dhalai Chaumanu TGB Chailengta Jan' Dhalai Damburnagar TGB Gandachherra Jan' Dhalai Damburnagar TGB Ganganagar Jan' Dhalai Durgachoumohani TGB Bamancherra Jan' Dhalai Chaumanu TGB Chaumanu Jan' Dhalai Salema TGB Abhanga Jan' Dhalai Chaumanu TSCB Choumanu Jan' Dhalai Chaumanu TSCB Chailengta Jan' Dhalai Damburnagar TSCB Gandachherra Jan' Dhalai Salema TSCB Moracherra Jan' Dhalai Ambassa TSCB Jawaharnagar Jan' Dhalai Ambassa UBI Sikaribari Jan' Dhalai Salema UBI Halhali Jan' Dhalai Salema UBI Kamalpur Jan' Dhalai Manu UBI Manu Jan' Dhalai Manu UBI Choumanu Jan' Dhalai Manu UBI Machli Jan' Dhalai Chaumanu UBI Chailengta Jan' Dhalai Damburnagar UCO Bank Gandachherra Jan' Dhalai Damburnagar UCO Bank Raishyabari Jan' Dhalai Manu Bank of India Dhumachherra Feb' Dhalai Salema Bandhan Bank Singinala Feb' Dhalai Durgachoumohani Indian Bank Durgachoumohani Feb' Dhalai Manu SBI Kanchancherra Feb' Dhalai Ambassa TGB Ambassa Feb' Dhalai Ambassa TGB Jawharnagar Feb' Dhalai Ambassa TGB Kachuchara Feb' Dhalai Ambassa TGB Kulai Feb' Dhalai Salema TGB Kamalpur Feb' Dhalai Manu TGB Manu Feb' Dhalai Chaumanu TGB Chailengta Feb' Dhalai Damburnagar TGB Gandachherra Feb' Dhalai Damburnagar TGB Ganganagar Feb' Dhalai Durgachoumohani TGB Bamancherra Feb' Dhalai Chaumanu TGB Chaumanu Feb' Dhalai Salema TGB Abhanga Feb' Dhalai Chaumanu TSCB Chailengta Feb' Dhalai Damburnagar TSCB Gandachherra Feb' Dhalai Salema TSCB Moracherra Feb' Dhalai Ambassa TSCB Jawaharnagar Feb' Dhalai Ambassa UBI Sikaribari Feb' Dhalai Salema UBI Halhali Feb' Dhalai Salema UBI Kamalpur Feb' Dhalai Manu UBI Manu Feb' Dhalai Manu UBI Machli Feb' Dhalai Chaumanu UBI Chailengta Feb' Dhalai Damburnagar UCO Bank Gandachherra Feb' Dhalai Damburnagar UCO Bank Raishyabari Feb' Dhalai Manu Bank of India Dhumachherra Mar' Dhalai Salema Bandhan Bank Singinala Mar' Dhalai Durgachoumohani Indian Bank Durgachoumohani Mar' Dhalai Manu SBI Kanchancherra Mar' Dhalai Ambassa TGB Ambassa Mar' Dhalai Ambassa TGB Jawharnagar Mar' Dhalai Ambassa TGB Kachuchara Mar' Dhalai Ambassa TGB Kulai Mar' Dhalai Salema TGB Kamalpur Mar' Dhalai Manu TGB Manu Mar' Dhalai Chaumanu TGB Chailengta Mar'

109 Sl. District Block Name of Bank Name of Branch M onth Held On 71 Dhalai Damburnagar TGB Gandachherra Mar' Dhalai Damburnagar TGB Ganganagar Mar' Dhalai Durgachoumohani TGB Bamancherra Mar' Dhalai Chaumanu TGB Chaumanu Mar' Dhalai Salema TGB Abhanga Mar' Dhalai Chaumanu TSCB Choumanu Mar' Dhalai Chaumanu TSCB Chailengta Mar' Dhalai Damburnagar TSCB Gandachherra Mar' Dhalai Ambassa TSCB Jawaharnagar Mar' Dhalai Ambassa UBI Sikaribari Mar' Dhalai Salema UBI Halhali Mar' Dhalai Salema UBI Kamalpur Mar' Dhalai Manu UBI Manu Mar' Dhalai Manu UBI Choumanu Mar' Dhalai Manu UBI Machli Mar' Dhalai Damburnagar UCO Bank Gandachherra Mar' Dhalai Damburnagar UCO Bank Raishyabari Mar' Dhalai Ambassa TGB Ambassa Jan' Dhalai Ambassa TGB Jawharnagar Jan' Gomati Kakraban Bank of Baroda Mirza Jan' Gomati Kakraban Bank of India Palatana Jan' Gomati Tepania Bharatiya Mahila Bank(BMB) Gokulpur Jan' Gomati Amarpur Canara Bank Dalak Jan' Gomati Ompi IDBI Ompinagar Jan' Gomati Silachhari IDBI Ailmara Jan' Gomati Killa IDBI Killa Jan' Gomati Matabari SBI Garjee Jan' Gomati Kakraban SBI Palatana Jan' Gomati Matabari TGB Gokulpur Jan' Gomati Matabari TGB Maharani Jan' Gomati Matabari TGB Garjee Jan' Gomati Matabari TGB Bagma Jan' Gomati Killa TGB Killa Jan' Gomati Killa TGB Atharabhola Jan' Gomati Kakraban TGB Kakraban Jan' Gomati Kakraban TGB Tulamura Jan' Gomati Kakraban TGB Jamjuri Jan' Gomati Ompi TGB Ompinagar Jan' Gomati Ompi TGB Taidu Jan' Gomati Karbook TGB Karbook Jan' Gomati Silachhari TGB Silachhari Jan' Gomati Karbook TGB Chellagang Jan' Gomati Kakraban TGB Gangacherra Jan' Gomati Killa TSCB Killa Jan' Gomati Kakraban TSCB Salgarah Jan' Gomati Amarpur TSCB Nutanbazar Jan' Gomati Karbook TSCB Karbook Jan' Gomati Kakraban TSCB Mirza Jan' Gomati Kakraban UBI Karbook( Kakraban) Jan' Gomati Kakraban UBI Salgarah Jan' Gomati Amarpur UBI Nutanbazar Jan' Gomati Karbook UBI Jatanbari Jan' Gomati Kakraban Bank of Baroda Mirza Feb' Gomati Kakraban Bank of India Palatana Feb' Gomati Tepania Bharatiya Mahila Bank(BMB) Gokulpur Feb' Gomati Amarpur Canara Bank Dalak Feb' Gomati Ompi IDBI Ompinagar Feb' Gomati Silachhari IDBI Ailmara Feb' Gomati Killa IDBI Killa Feb' Gomati Matabari SBI Garjee Feb' Gomati Kakraban SBI Palatana Feb' Gomati Matabari TGB Gokulpur Feb' Gomati Matabari TGB Maharani Feb' Gomati Matabari TGB Garjee Feb' Gomati Matabari TGB Bagma Feb' Gomati Killa TGB Killa Feb' Gomati Killa TGB Atharabhola Feb' Gomati Kakraban TGB Kakraban Feb' Gomati Kakraban TGB Jamjuri Feb' Gomati Ompi TGB Ompinagar Feb' Gomati Ompi TGB Taidu Feb'

110 Sl. District Block Name of Bank Name of Branch M onth Held On 141 Gomati Karbook TGB Karbook Feb' Gomati Silachhari TGB Silachhari Feb' Gomati Karbook TGB Chellagang Feb' Gomati Kakraban TGB Gangacherra Feb' Gomati Killa TSCB Killa Feb' Gomati Kakraban TSCB Salgarah Feb' Gomati Amarpur TSCB Nutanbazar Feb' Gomati Kakraban TSCB Mirza Feb' Gomati Kakraban UBI Karbook( Kakraban) Feb' Gomati Kakraban UBI Salgarah Feb' Gomati Amarpur UBI Nutanbazar Feb' Gomati Karbook UBI Jatanbari Feb' Gomati Kakraban Bank of India Palatana Mar' Gomati Tepania Bharatiya Mahila Bank(BMB) Gokulpur Mar' Gomati Amarpur Canara Bank Dalak Mar' Gomati Ompi IDBI Ompinagar Mar' Gomati Silachhari IDBI Ailmara Mar' Gomati Killa IDBI Killa Mar' Gomati Matabari SBI Garjee Mar' Gomati Matabari TGB Gokulpur Mar' Gomati Matabari TGB Maharani Mar' Gomati Matabari TGB Garjee Mar' Gomati Matabari TGB Bagma Mar' Gomati Killa TGB Killa Mar' Gomati Killa TGB Atharabhola Mar' Gomati Kakraban TGB Kakraban Mar' Gomati Kakraban TGB Tulamura Mar' Gomati Kakraban TGB Jamjuri Mar' Gomati Ompi TGB Ompinagar Mar' Gomati Ompi TGB Taidu Mar' Gomati Karbook TGB Karbook Mar' Gomati Karbook TGB Chellagang Mar' Gomati Kakraban TGB Gangacherra Mar' Gomati Killa TSCB Killa Mar' Gomati Kakraban TSCB Salgarah Mar' Gomati Amarpur TSCB Nutanbazar Mar' Gomati Karbook TSCB Karbook Mar' Gomati Kakraban TSCB Mirza Mar' Gomati Kakraban UBI Karbook( Kakraban) Mar' Gomati Amarpur UBI Nutanbazar Mar' Gomati Karbook UBI Jatanbari Mar' Gomati Matabari TGB Garjee Feb' Gomati Matabari TGB Bagma Feb' Khowai Teliamura Bandhan Bank Tuichindrai Jan' Khowai Padmabil Bandhan Bank Ramchandraghat Jan' Khowai Padmabil Allahabad Bank Chebri Jan' Khowai Teliamura ICICI Teliamura Jan' Khowai Teliamura SBI Teliamura Jan' Khowai Khowai TGB Chebri Jan' Khowai Teliamura TGB Moharcharra Jan' Khowai Padmabil TGB Ampura Jan' Khowai Padmabil TGB Padmabil Jan' Khowai Kalyanpur TGB Kalyanpur Jan' Khowai Mungiakami TGB Mungiakami Jan' Khowai Tulasikhar TGB Champahaur Jan' Khowai Tulasikhar TGB R S Bari Jan' Khowai Padmabil TGB Hathkata Jan' Khowai Teliamura TSCB Teliamura Jan' Khowai Teliamura TSCB Tuichindrai Jan' Khowai Padmabil TSCB Padmabil Jan' Khowai Tulasikhar TSCB Tulasikhar Jan' Khowai Khowai UBI Bachaibari Jan' Khowai Teliamura UBI Maharanipur Jan' Khowai Teliamura UBI Teliamura Jan' Khowai Teliamura Uco Bank Baganbazar Jan' Khowai Kalyanpur Uco Bank Kalyanpur Jan' Khowai Teliamura Bandhan Bank Tuichindrai Feb' Khowai Padmabil Bandhan Bank Ramchandraghat Feb' Khowai Padmabil Allahabad Bank Chebri Feb' Khowai Teliamura ICICI Teliamura Feb' Khowai Teliamura SBI Teliamura Feb'

111 Sl. District Block Name of Bank Name of Branch M onth Held On 212 Khowai Khowai TGB Chebri Feb' Khowai Teliamura TGB Moharcharra Feb' Khowai Padmabil TGB Ampura Feb' Khowai Padmabil TGB Padmabil Feb' Khowai Kalyanpur TGB Kalyanpur Feb' Khowai Mungiakami TGB Mungiakami Feb' Khowai Tulasikhar TGB Champahaur Feb' Khowai Tulasikhar TGB R S Bari Feb' Khowai Padmabil TGB Hathkata Feb' Khowai Teliamura TSCB Tuichindrai Feb' Khowai Padmabil TSCB Padmabil Feb' Khowai Tulasikhar TSCB Tulasikhar Feb' Khowai Khowai UBI Bachaibari Feb' Khowai Teliamura UBI Maharanipur Feb' Khowai Teliamura Uco Bank Baganbazar Feb' Khowai Kalyanpur Uco Bank Kalyanpur Feb' Khowai Teliamura Bandhan Bank Tuichindrai Mar' Khowai Padmabil Bandhan Bank Ramchandraghat Mar' Khowai Padmabil Allahabad Bank Chebri Mar' Khowai Teliamura ICICI Teliamura Mar' Khowai Teliamura SBI Teliamura Mar' Khowai Khowai TGB Chebri Mar' Khowai Padmabil TGB Ampura Mar' Khowai Padmabil TGB Padmabil Mar' Khowai Kalyanpur TGB Kalyanpur Mar' Khowai Mungiakami TGB Mungiakami Mar' Khowai Tulasikhar TGB Champahaur Mar' Khowai Tulasikhar TGB R S Bari Mar' Khowai Teliamura TSCB Teliamura Mar' Khowai Teliamura TSCB Tuichindrai Mar' Khowai Padmabil TSCB Padmabil Mar' Khowai Khowai UBI Bachaibari Mar' Khowai Teliamura UBI Maharanipur Mar' Khowai Teliamura UBI Teliamura Mar' Khowai Teliamura Uco Bank Baganbazar Mar' Khowai Kalyanpur TGB Kalyanpur Mar' Khowai Kalyanpur Uco Bank Kalyanpur Mar' North Tripura Kadamtala Bandhan Bank Fulbari Branch Jan' North Tripura Kadamtala SBI Churaibari Jan' North Tripura Dasda SBI Anandabazar Jan' North Tripura Panisagar SBI Uptakhali Jan' North Tripura Jubarajnagar SBI Ganganagar Jan' North Tripura Jubarajnagar SBI Baghbasa Jan' North Tripura Dasda SBI Kanchanpur Jan' North Tripura Panisagar SBI Panisagar Jan' North Tripura Dasda Syndicate bank Laljuri Jan' North Tripura Kadamtala Syndicate bank Kadamtala Jan' North Tripura Kadamtala TGB Rajbari Jan' North Tripura Kadamtala TGB Kadamtala Jan' North Tripura Kadamtala TGB Bhagyapur Jan' North Tripura Kadamtala TGB Sanicherra Jan' North Tripura Dasda TGB Dasda Jan' North Tripura Panisagar TGB Jalebassa Jan' North Tripura Panisagar TGB Tilthai Jan' North Tripura Damcherra TGB Damcherra Jan' North Tripura Damchhera TGB Khedaccherra Jan' North Tripura Jampui Hill TGB Hmunpui Jan' North Tripura Kadamtala TGB Hurua Jan' North Tripura Dasda TSCB Kanchanpur Jan' North Tripura Panisagar TSCB Panisagar Jan' North Tripura Dasda UBI Kanchanpur Jan' North Tripura Damcherra UBI Damcherra Jan' North Tripura Jampui Hill UBI Vanghmun Jan' North Tripura Panisagar UBI Panisagar Jan' North Tripura Kadamtala UCO Bank Chandrapur Jan' North Tripura Kadamtala Bandhan Bank Fulbari Branch Feb' North Tripura Kadamtala SBI Churaibari Feb' North Tripura Dasda SBI Anandabazar Feb' North Tripura Panisagar SBI Uptakhali Feb' North Tripura Jubarajnagar SBI Ganganagar Feb' North Tripura Jubarajnagar SBI Baghbasa Feb'

112 Sl. District Block Name of Bank Name of Branch M onth Held On 283 North Tripura Dasda SBI Kanchanpur Feb' North Tripura Panisagar SBI Panisagar Feb' North Tripura Kadamtala Syndicate bank Kadamtala Feb' North Tripura Kadamtala TGB Rajbari Feb' North Tripura Kadamtala TGB Kadamtala Feb' North Tripura Kadamtala TGB Bhagyapur Feb' North Tripura Kadamtala TGB Sanicherra Feb' North Tripura Dasda TGB Dasda Feb' North Tripura Panisagar TGB Tilthai Feb' North Tripura Damcherra TGB Damcherra Feb' North Tripura Damchhera TGB Khedaccherra Feb' North Tripura Jampui Hill TGB Hmunpui Feb' North Tripura Kadamtala TGB Hurua Feb' North Tripura Dasda TSCB Kanchanpur Feb' North Tripura Panisagar TSCB Panisagar Feb' North Tripura Dasda UBI Kanchanpur Feb' North Tripura Jampui Hill UBI Vanghmun Feb' North Tripura Panisagar UBI Panisagar Feb' North Tripura Kadamtala UCO Bank Chandrapur Feb' North Tripura Kadamtala Bandhan Bank Fulbari Branch Mar' North Tripura Kadamtala SBI Churaibari Mar' North Tripura Panisagar SBI Uptakhali Mar' North Tripura Jubarajnagar SBI Ganganagar Mar' North Tripura Jubarajnagar SBI Baghbasa Mar' North Tripura Dasda SBI Kanchanpur Mar' North Tripura Panisagar SBI Panisagar Mar' North Tripura Dasda Syndicate bank Laljuri Mar' North Tripura Kadamtala Syndicate bank Kadamtala Mar' North Tripura Kadamtala TGB Kadamtala Mar' North Tripura Kadamtala TGB Bhagyapur Mar' North Tripura Kadamtala TGB Sanicherra Mar' North Tripura Dasda TGB Dasda Mar' North Tripura Panisagar TGB Jalebassa Mar' North Tripura Panisagar TGB Tilthai Mar' North Tripura Damcherra TGB Damcherra Mar' North Tripura Damchhera TGB Khedaccherra Mar' North Tripura Jampui Hill TGB Hmunpui Mar' North Tripura Dasda TSCB Kanchanpur Mar' North Tripura Panisagar TSCB Panisagar Mar' North Tripura Dasda UBI Kanchanpur Mar' North Tripura Damcherra UBI Damcherra Mar' North Tripura Jampui Hill UBI Vanghmun Mar' North Tripura Panisagar UBI Panisagar Mar' North Tripura Kadamtala UCO Bank Chandrapur Mar' Sepahijala Bishalgarh Bandhan Bank Gokulnagar Jan' Sepahijala Kathalia Bandhan Bank Baspukur Jan' Sepahijala Bishalgarh Bank of India Gokulnagar Jan' Sepahijala Jampuijala Punjab & Sind Bank Gabordi Jan' Sepahijala Melaghar Punjab National Bank Jumerdhepa Jan' Sepahijala Bishalgarh SBI Bishramganj Jan' Sepahijala Boxanagar SBI Matinagar Jan' Sepahijala Melaghar SBI Melaghar Jan' Sepahijala Charilam Syndicate Bank Bishramganj Jan' Sepahijala Bishalgarh TGB Bishramganj Jan' Sepahijala Bishalgarh TGB Lalsinghmura Jan' Sepahijala Bishalgarh TGB Madhupur Jan' Sepahijala Boxanagar TGB Boxanagar Jan' Sepahijala Boxanagar TGB Veluarchar Jan' Sepahijala Melaghar TGB Durlavnarayan Jan' Sepahijala Melaghar TGB Nalchar Jan' Sepahijala Jampuijala TGB Golaghati Jan' Sepahijala Jampuijala TGB Jampuijala Jan' Sepahijala Kathalia TGB Dhanpur Jan' Sepahijala Kathalia TGB Manai Pathar Jan' Sepahijala Kathalia TGB Kathalia Jan' Sepahijala Bishalgarh TSCB Charilam Jan' Sepahijala Jampuijala TSCB Takarjala Jan' Sepahijala Jampuijala TSCB Jampuijala Jan' Sepahijala Kathalia TSCB Kathalia Jan'

113 Sl. District Block Name of Bank Name of Branch M onth Held On 352 Sepahijala Nalchhar TSCB Nalchhar Jan' Sepahijala Bishalgarh UCO Bank Bishalgarh Jan' Sepahijala Bishalgarh UCO Bank Bishramganj Jan' Sepahijala Bishalgarh UBI Chakmaghat Jan' Sepahijala Boxanagar UBI Boxanagar Jan' Sepahijala Melaghar UBI Melaghar Jan' Sepahijala Melaghar UBI Mohanbhog Jan' Sepahijala Bishalgarh Bandhan Bank Gokulnagar Feb' Sepahijala Kathalia Bandhan Bank Baspukur Feb' Sepahijala Bishalgarh Bank of India Gokulnagar Feb' Sepahijala Jampuijala Punjab & Sind Bank Gabordi Feb' Sepahijala Melaghar Punjab National Bank Jumerdhepa Feb' Sepahijala Bishalgarh SBI Bishramganj Feb' Sepahijala Boxanagar SBI Matinagar Feb' Sepahijala Melaghar SBI Melaghar Feb' Sepahijala Charilam Syndicate Bank Bishramganj Feb' Sepahijala Bishalgarh TGB Bishramganj Feb' Sepahijala Bishalgarh TGB Madhupur Feb' Sepahijala Boxanagar TGB Boxanagar Feb' Sepahijala Boxanagar TGB Veluarchar Feb' Sepahijala Melaghar TGB Durlavnarayan Feb' Sepahijala Melaghar TGB Nalchar Feb' Sepahijala Jampuijala TGB Golaghati Feb' Sepahijala Jampuijala TGB Jampuijala Feb' Sepahijala Kathalia TGB Dhanpur Feb' Sepahijala Kathalia TGB Kathalia Feb' Sepahijala Bishalgarh TSCB Charilam Feb' Sepahijala Jampuijala TSCB Takarjala Feb' Sepahijala Jampuijala TSCB Jampuijala Feb' Sepahijala Kathalia TSCB Kathalia Feb' Sepahijala Nalchhar TSCB Nalchhar Feb' Sepahijala Bishalgarh UCO Bank Bishalgarh Feb' Sepahijala Bishalgarh UCO Bank Bishramganj Feb' Sepahijala Boxanagar UBI Boxanagar Feb' Sepahijala Melaghar UBI Melaghar Feb' Sepahijala Melaghar UBI Mohanbhog Feb' Sepahijala Bishalgarh Bandhan Bank Gokulnagar Mar' Sepahijala Kathalia Bandhan Bank Baspukur Mar' Sepahijala Bishalgarh Bank of India Gokulnagar Mar' Sepahijala Melaghar Punjab National Bank Jumerdhepa Mar' Sepahijala Bishalgarh SBI Bishramganj Mar' Sepahijala Boxanagar SBI Matinagar Mar' Sepahijala Melaghar SBI Melaghar Mar' Sepahijala Charilam Syndicate Bank Bishramganj Mar' Sepahijala Bishalgarh TGB Bishramganj Mar' Sepahijala Bishalgarh TGB Madhupur Mar' Sepahijala Boxanagar TGB Boxanagar Mar' Sepahijala Boxanagar TGB Veluarchar Mar' Sepahijala Melaghar TGB Durlavnarayan Mar' Sepahijala Melaghar TGB Nalchar Mar' Sepahijala Jampuijala TGB Golaghati Mar' Sepahijala Jampuijala TGB Jampuijala Mar' Sepahijala Kathalia TGB Dhanpur Mar' Sepahijala Kathalia TGB Kathalia Mar' Sepahijala Bishalgarh TSCB Charilam Mar' Sepahijala Jampuijala TSCB Takarjala Mar' Sepahijala Jampuijala TSCB Jampuijala Mar' Sepahijala Kathalia TSCB Kathalia Mar' Sepahijala Nalchhar TSCB Nalchhar Mar' Sepahijala Bishalgarh UCO Bank Bishalgarh Mar' Sepahijala Bishalgarh UCO Bank Bishramganj Mar' Sepahijala Bishalgarh UBI Chakmaghat Mar' Sepahijala Boxanagar UBI Boxanagar Mar' Sepahijala Melaghar UBI Melaghar Mar' Sepahijala Melaghar UBI Mohanbhog Mar' South Tripura BC Nagar Bandhan Bank Bharatchandranagar Jan' South Tripura Satchand Bandhan Bank Jalefa Jan' South Tripura Rajnagar SBI Chittamara Jan' South Tripura Jolaibari SBI Jolaibari Jan' South Tripura Satchand. SBI Manubazar Jan'

114 Sl. District Block Name of Bank Name of Branch M onth Held On 422 South Tripura Hrishyamukh SBI Hrishyamukh Jan' South Tripura Rupaichhari SBI Manu Bankul Jan' South Tripura Rajnagar TGB Rajnagar Jan' South Tripura Hrishyamukh TGB Hrishyamukh Jan' South Tripura Hrishyamukh TGB Matai Jan' South Tripura Hrishyamukh TGB Sonaichhari Jan' South Tripura Bokafa TGB B.C.Nagar Jan' South Tripura Jolaibari TGB Baikhora Jan' South Tripura Jolaibari TGB Muhuripur Jan' South Tripura Jolaibari TGB Jolaibari Jan' South Tripura Jolaibari TGB Debdaru Jan' South Tripura Satchand. TGB Satchand Jan' South Tripura Satchand. TGB Manubazar Jan' South Tripura Satchand. TGB Sreenagar Jan' South Tripura Satchand. TGB Harina Jan' South Tripura Rupaichhari TGB Rupaichhari Jan' South Tripura Hrishyamukh TSCB Hrishyamukh Jan' South Tripura Jolaibari TSCB Baikhora Jan' South Tripura Satchand. TSCB Manubazar Jan' South Tripura Satchand. TSCB Kalachherra Jan' South Tripura Rajnagar UBI Siddhinagar Jan' South Tripura Rajnagar UBI Radhanagar Jan' South Tripura Bokafa UBI Santirbazar Jan' South Tripura Bharatchandra Nagar UBI Barpathari Jan' South Tripura Hrishyamukh UBI Hrishyamukh Jan' South Tripura Jolaibari UBI Baikhora Jan' South Tripura Satchand. UBI Manubazar Jan' South Tripura Bokafa Union Bank of India B.C.Manu Jan' South Tripura BC Nagar Bandhan Bank Bharatchandranagar Feb' South Tripura Satchand Bandhan Bank Jalefa Feb' South Tripura Rajnagar SBI Chittamara Feb' South Tripura Jolaibari SBI Jolaibari Feb' South Tripura Satchand. SBI Manubazar Feb' South Tripura Hrishyamukh SBI Hrishyamukh Feb' South Tripura Rupaichhari SBI Manu Bankul Feb' South Tripura Rajnagar TGB Rajnagar Feb' South Tripura Hrishyamukh TGB Hrishyamukh Feb' South Tripura Hrishyamukh TGB Matai Feb' South Tripura Bokafa TGB B.C.Nagar Feb' South Tripura Jolaibari TGB Baikhora Feb' South Tripura Jolaibari TGB Muhuripur Feb' South Tripura Jolaibari TGB Jolaibari Feb' South Tripura Jolaibari TGB Debdaru Feb' South Tripura Satchand. TGB Satchand Feb' South Tripura Satchand. TGB Manubazar Feb' South Tripura Satchand. TGB Sreenagar Feb' South Tripura Satchand. TGB Harina Feb' South Tripura Rupaichhari TGB Rupaichhari Feb' South Tripura Hrishyamukh TSCB Hrishyamukh Feb' South Tripura Satchand. TSCB Manubazar Feb' South Tripura Satchand. TSCB Kalachherra Feb' South Tripura Rajnagar UBI Siddhinagar Feb' South Tripura Rajnagar UBI Radhanagar Feb' South Tripura Bokafa UBI Santirbazar Feb' South Tripura Bharatchandra Nagar UBI Barpathari Feb' South Tripura Hrishyamukh UBI Hrishyamukh Feb' South Tripura Satchand. UBI Manubazar Feb' South Tripura Bokafa Union Bank of India B.C.Manu Feb' South Tripura BC Nagar Bandhan Bank Bharatchandranagar Mar' South Tripura Satchand Bandhan Bank Jalefa Mar' South Tripura Rajnagar SBI Chittamara Mar' South Tripura Jolaibari SBI Jolaibari Mar' South Tripura Satchand. SBI Manubazar Mar' South Tripura Rupaichhari SBI Manu Bankul Mar' South Tripura Rajnagar TGB Rajnagar Mar' South Tripura Hrishyamukh TGB Hrishyamukh Mar' South Tripura Hrishyamukh TGB Matai Mar' South Tripura Hrishyamukh TGB Sonaichhari Mar' South Tripura Bokafa TGB B.C.Nagar Mar' South Tripura Jolaibari TGB Baikhora Mar'

115 Sl. District Block Name of Bank Name of Branch M onth Held On 492 South Tripura Jolaibari TGB Muhuripur Mar' South Tripura Jolaibari TGB Jolaibari Mar' South Tripura Jolaibari TGB Debdaru Mar' South Tripura Satchand. TGB Satchand Mar' South Tripura Satchand. TGB Manubazar Mar' South Tripura Satchand. TGB Harina Mar' South Tripura Rupaichhari TGB Rupaichhari Mar' South Tripura Hrishyamukh TSCB Hrishyamukh Mar' South Tripura Jolaibari TSCB Baikhora Mar' South Tripura Satchand. TSCB Manubazar Mar' South Tripura Satchand. TSCB Kalachherra Mar' South Tripura Rajnagar UBI Siddhinagar Mar' South Tripura Rajnagar UBI Radhanagar Mar' South Tripura Bokafa UBI Santirbazar Mar' South Tripura Bharatchandra Nagar UBI Barpathari Mar' South Tripura Hrishyamukh UBI Hrishyamukh Mar' South Tripura Jolaibari UBI Baikhora Mar' South Tripura Bokafa Union Bank of India B.C.Manu Mar' South Tripura Hrishyamukh TSCB Hrishyamukh Jan' South Tripura Jolaibari TSCB Baikhora Jan' South Tripura Satchand. TSCB Manubazar Jan' South Tripura Satchand. TSCB Kalachherra Jan' Unakoti Pecharthal Indian Overseas Bank Pecharthal Jan' Unakoti Kumarghat SBI Kumarghat Jan' Unakoti Kumarghat SBI Ratiabari Jan' Unakoti Gournagar TGB Tillabazar Jan' Unakoti Gournagar TGB Gournagar Jan' Unakoti Gournagar TGB Dalugaon Jan' Unakoti Kumarghat TGB Pabiacherra Jan' Unakoti Kumarghat TGB Fatikray Jan' Unakoti Kumarghat TGB Betcherra Jan' Unakoti Kumarghat TGB Kanchanbari Jan' Unakoti Pecharthal TGB Pecharthal Jan' Unakoti Gournagar TSCB kailashahar Jan' Unakoti Gournagar TSCB Gournagar Jan' Unakoti Kumarghat TSCB Kumarghat Jan' Unakoti Pecharthal TSCB Machmara Jan' Unakoti Pecharthal TSCB Pecharthal Jan' Unakoti Gournagar UBI Gournagar Jan' Unakoti Kumarghat UBI Machmara Jan' Unakoti Kumarghat UCO bank Kumarghat Jan' Unakoti Gournagar UCO bank Kailashahar Jan' Unakoti Pecharthal Indian Overseas Bank Pecharthal Feb' Unakoti Kumarghat SBI Kumarghat Feb' Unakoti Kumarghat SBI Ratiabari Feb' Unakoti Gournagar TGB Tillabazar Feb' Unakoti Gournagar TGB Gournagar Feb' Unakoti Gournagar TGB Dalugaon Feb' Unakoti Kumarghat TGB Pabiacherra Feb' Unakoti Kumarghat TGB Betcherra Feb' Unakoti Kumarghat TGB Kanchanbari Feb' Unakoti Pecharthal TGB Pecharthal Feb' Unakoti Gournagar TSCB kailashahar Feb' Unakoti Gournagar TSCB Gournagar Feb' Unakoti Kumarghat TSCB Kumarghat Feb' Unakoti Pecharthal TSCB Machmara Feb' Unakoti Gournagar UBI Gournagar Feb' Unakoti Kumarghat UBI Machmara Feb' Unakoti Kumarghat UCO bank Kumarghat Feb' Unakoti Gournagar UCO bank Kailashahar Feb' Unakoti Pecharthal Indian Overseas Bank Pecharthal Mar' Unakoti Kumarghat SBI Kumarghat Mar' Unakoti Kumarghat SBI Ratiabari Mar' Unakoti Gournagar TGB Tillabazar Mar' Unakoti Gournagar TGB Dalugaon Mar' Unakoti Kumarghat TGB Pabiacherra Mar' Unakoti Kumarghat TGB Fatikray Mar' Unakoti Kumarghat TGB Betcherra Mar' Unakoti Kumarghat TGB Kanchanbari Mar' Unakoti Pecharthal TGB Pecharthal Mar' Unakoti Gournagar TSCB kailashahar Mar' Unakoti Kumarghat TSCB Kumarghat Mar' Unakoti Pecharthal TSCB Machmara Mar' Unakoti Pecharthal TSCB Pecharthal Mar'

116 Sl. District Block Name of Bank Name of Branch M onth Held On 566 Unakoti Gournagar UBI Gournagar Mar' Unakoti Kumarghat UBI Machmara Mar' Unakoti Kumarghat UCO bank Kumarghat Mar' Unakoti Gournagar UCO bank Kailashahar Mar' Unakoti Gournagar UCO bank Kailashahar Jan' Unakoti Pecharthal Indian Overseas Bank Pecharthal Feb' West Tripura Bamutia Bandhan Bank Narayanpur Jan' West Tripura Bamutia Bandhan Bank Bamutia Jan' West Tripura Dukli Bandhan Bank Kathaltali Jan' West Tripura Lefunga Bank of India Lembuchherra Jan' West Tripura Old Agartala Bank of India Khayerpur Jan' West Tripura Dukli Bank of India Anandanagar Jan' West Tripura Jirania Canara Bank Jirania Jan' West Tripura Jirania Canara Bank NIT Jan' West Tripura Hezamara Central Bank of India Barkathal Jan' West Tripura Jirania Indian Overseas Bank R.C.Nagar Jan' West Tripura Dukli SBI Amtali Jan' West Tripura Dukli SBI Dukli Jan' West Tripura Dukli SBI University Br. Jan' West Tripura Jirania SBI R.K.Nagar Jan' West Tripura Mohanpur SBI Gandhigram Jan' West Tripura Lefunga SBI Lembuchherra Jan' West Tripura Mohanpur SBI Mohanpur Jan' West Tripura Old Agartala SBI Khayerpur Jan' West Tripura Dukli TGB Bikramnagar Jan' West Tripura Dukli TGB Kanchanmala Jan' West Tripura Jirania TGB Bankimnagar Jan' West Tripura Jirania TGB Champaknagar Jan' West Tripura Jirania TGB Nit (Agartala) Jan' West Tripura Mohanpur TGB Kalacherra Jan' West Tripura Mohanpur TGB Lembuchherra Jan' West Tripura Mohanpur TGB Natunnagar Jan' West Tripura Hezamara TGB Hezamara Jan' West Tripura Mandwai TGB Mandai Jan' West Tripura Lefunga TGB Lefunga Jan' West Tripura Mohanpur TGB Durgabari Jan' West Tripura Dukli TSCB Bikramnagar Jan' West Tripura Jirania TSCB Khayerpur Jan' West Tripura Jirania TSCB Champaknagar Jan' West Tripura Jirania TSCB Khumlung Jan' West Tripura Mohanpur TSCB Mohanpur Jan' West Tripura Dukli TSCB Maheshkhola Jan' West Tripura Jirania TSCB Sachindranagar Jan' West Tripura Dukli UBI Anandanagar Jan' West Tripura Jirania UBI Jirania Jan' West Tripura Jirania UBI Khumlung Jan' West Tripura Jirania UBI Ranirbazar Jan' West Tripura Mohanpur UBI Usha Market Jan' West Tripura Mohanpur UBI Mohanpur Jan' West Tripura Dukli UBI Camper Bazar Jan' West Tripura Mohanpur UCO Bank Mohanpur Jan' West Tripura Bamutia UCO Bank Narshingarh Jan' West Tripura Old Agartala UCO Bank Khayerpur Jan' West Tripura Bamutia Vijaya Bank Gandhigram Jan' West Tripura Bamutia Bandhan Bank Narayanpur Feb' West Tripura Bamutia Bandhan Bank Bamutia Feb' West Tripura Dukli Bandhan Bank Kathaltali Feb' West Tripura Lefunga Bank of India Lembuchherra Feb' West Tripura Old Agartala Bank of India Khayerpur Feb' West Tripura Dukli Bank of India Anandanagar Feb' West Tripura Jirania Canara Bank Jirania Feb' West Tripura Jirania Canara Bank NIT Feb' West Tripura Hezamara Central Bank of India Barkathal Feb' West Tripura Jirania Indian Overseas Bank R.C.Nagar Feb' West Tripura Dukli SBI Amtali Feb' West Tripura Dukli SBI University Br. Feb' West Tripura Jirania SBI R.K.Nagar Feb' West Tripura Mohanpur SBI Gandhigram Feb' West Tripura Lefunga SBI Lembuchherra Feb' West Tripura Mohanpur SBI Mohanpur Feb' West Tripura Old Agartala SBI Khayerpur Feb' West Tripura Dukli TGB Bikramnagar Feb'

117 Sl. District Block Name of Bank Name of Branch M onth Held On 638 West Tripura Dukli TGB Kanchanmala Feb' West Tripura Jirania TGB Bankimnagar Feb' West Tripura Jirania TGB Champaknagar Feb' West Tripura Mohanpur TGB Kalacherra Feb' West Tripura Mohanpur TGB Lembuchherra Feb' West Tripura Mohanpur TGB Natunnagar Feb' West Tripura Hezamara TGB Hezamara Feb' West Tripura Mandwai TGB Mandai Feb' West Tripura Lefunga TGB Lefunga Feb' West Tripura Mohanpur TGB Durgabari Feb' West Tripura Dukli TSCB Bikramnagar Feb' West Tripura Jirania TSCB Khayerpur Feb' West Tripura Jirania TSCB Champaknagar Feb' West Tripura Jirania TSCB Khumlung Feb' West Tripura Mohanpur TSCB Mohanpur Feb' West Tripura Dukli TSCB Maheshkhola Feb' West Tripura Dukli UBI Anandanagar Feb' West Tripura Jirania UBI Jirania Feb' West Tripura Jirania UBI Khumlung Feb' West Tripura Jirania UBI Ranirbazar Feb' West Tripura Mohanpur UBI Usha Market Feb' West Tripura Mohanpur UBI Mohanpur Feb' West Tripura Dukli UBI Camper Bazar Feb' West Tripura Bamutia UCO Bank Narshingarh Feb' West Tripura Old Agartala UCO Bank Khayerpur Feb' West Tripura Bamutia Vijaya Bank Gandhigram Feb' West Tripura Bamutia Bandhan Bank Narayanpur Mar' West Tripura Bamutia Bandhan Bank Bamutia Mar' West Tripura Dukli Bandhan Bank Kathaltali Mar' West Tripura Lefunga Bank of India Lembuchherra Mar' West Tripura Dukli Bank of India Anandanagar Mar' West Tripura Jirania Canara Bank Jirania Mar' West Tripura Jirania Canara Bank NIT Mar' West Tripura Hezamara Central Bank of India Barkathal Mar' West Tripura Jirania Indian Overseas Bank R.C.Nagar Mar' West Tripura Dukli SBI Amtali Mar' West Tripura Dukli SBI Dukli Mar' West Tripura Dukli SBI University Br. Mar' West Tripura Jirania SBI R.K.Nagar Mar' West Tripura Mohanpur SBI Gandhigram Mar' West Tripura Lefunga SBI Lembuchherra Mar' West Tripura Mohanpur SBI Mohanpur Mar' West Tripura Old Agartala SBI Khayerpur Mar' West Tripura Dukli TGB Kanchanmala Mar' West Tripura Jirania TGB Bankimnagar Mar' West Tripura Jirania TGB Champaknagar Mar' West Tripura Jirania TGB Nit (Agartala) Mar' West Tripura Mohanpur TGB Kalacherra Mar' West Tripura Mohanpur TGB Lembuchherra Mar' West Tripura Mohanpur TGB Natunnagar Mar' West Tripura Hezamara TGB Hezamara Mar' West Tripura Mandwai TGB Mandai Mar' West Tripura Mohanpur TGB Durgabari Mar' West Tripura Jirania TSCB Khayerpur Mar' West Tripura Jirania TSCB Champaknagar Mar' West Tripura Jirania TSCB Khumlung Mar' West Tripura Mohanpur TSCB Mohanpur Mar' West Tripura Dukli TSCB Maheshkhola Mar' West Tripura Jirania TSCB Sachindranagar Mar' West Tripura Dukli UBI Anandanagar Mar' West Tripura Jirania UBI Jirania Mar' West Tripura Jirania UBI Khumlung Mar' West Tripura Jirania UBI Ranirbazar Mar' West Tripura Mohanpur UBI Usha Market Mar' West Tripura Dukli UBI Camper Bazar Mar' West Tripura Mohanpur UCO Bank Mohanpur Mar' West Tripura Bamutia UCO Bank Narshingarh Mar' West Tripura Old Agartala UCO Bank Khayerpur Mar' West Tripura Bamutia Vijaya Bank Gandhigram Mar' West Tripura Mohanpur UBI Usha Market Feb' West Tripura Mohanpur UBI Mohanpur Feb' West Tripura Dukli UBI Camper Bazar Feb' West Tripura Bamutia UCO Bank Narshingarh Feb' West Tripura Old Agartala UCO Bank Khayerpur Feb' West Tripura Bamutia Vijaya Bank Gandhigram Feb'

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

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

120 United Bank of India Lead Bank Division Head Office Convener State Level Bankers Committee for Tripura Minutes of the 124 th State Level Bankers Committee Meeting for the State of Tripura held on The 124 th SLBC meeting of Tripura State was held at the Conference Hall No.4, Pragna Bhawan, P.N. Complex, Agartala on 17 th March 2018 to review the performance of Banks for the 3 rd quarter ending on for financial year The meeting was Chaired by Shri Biplab Kumar Deb, Hon ble Chief Minister, Government of Tripura in presence of Shri Sanjeev Ranjan, Chief Secretary, Govt. of Tripura and Shri Pawan Bajaj, Managing Director & Chief Executive Officer of United Bank of India and Co-Chairman, SLBC, Tripura. Amongst other dignitaries, Shri M. Nagaraju, Principal Secretary, Finance and Industries & Commerce, Govt. of Tripura, Shri Manoj Kumar, Principal Secretary, Urban Development, Govt. of Tripura, Shri Manas Dhar, General Manager, United Bank of India & Convener, SLBC (Tripura), Shri Tamal Biswas, General Manager, RBI, and Shri Sunil Kumar, General Manager, NABARD were also present. Other Senior Executives of the State Government, RBI, NABARD, SIDBI, Banks, Insurance Companies, LDMs and RSETI Directors also participated in the meeting. A list of participants of the meeting is enclosed. At the outset, Sri Manas Dhar, General Manager, United Bank of India & Convener SLBC of Tripura extended a special welcome to Shri Biplab Kumar Deb, Hon ble Chief Minister, Govt. of Tripura for his inaugural presence in the SLBC meeting along with other participants. Thereafter, Shri Dhar requested Shri Pawan Bajaj, Managing Director & Chief Executive Officer of United Bank of India and Co-Chairman, SLBC, Tripura to deliver his welcome address. Shri Pawan Bajaj, MD & CEO of UBI greeted Shri Biplab Kumar Deb, Hon ble Chief Minister, Government of Tripura for his maiden presence in the 124 th SLBC meeting of Tripura after taking charge of the State few days back. Shri Bajaj also extended hearty welcome to Shri Sanjeev Ranjan, Chief Secretary, Govt. of Tripura, Shri M. Nagaraju, Principal Secretary, Finance and Industries & Commerce, Govt. of Tripura, Shri Manoj 115

121 Kumar, Principal Secretary, Urban Development, Govt. of Tripura and other executives from the Govt. of Tripura, RBI, NABARD, SIDBI & Banks. Shri Bajaj in his inaugural address stated that CD Ratio of the State increased by 3% over March 2017 and stood at 46% at the end of December He requested the banks to continue their concerted efforts to push the CD ratio towards the targeted level of 53% by extending more credit in eligible sectors. He also requested State Government to create conducive atmosphere and more avenues for lending to drive ahead the agenda of CD ratio of the State. Shri Bajaj appreciated the banks for achieving 79% of the Annual Target of Rs 4386 crore under ACP during April-December 2017 of FY and exuded confidence that the ACP target would definitely be achieved by March end. Talking about KCC, Shri Bajaj informed that all banks had achieved 81% of the annual target of 50,000 KCC during the period April to December 2017 in the current fiscal. He requested all participants for ensuring collective effort to cover all eligible farmers in the State. Shri Bajaj emphasized on credit linkage of SHGs in order to change the economic scenario of the State as it has the potential to uplift the downtrodden section of the society, especially women. He requested Banks & TRLM to take proactive steps for lending to SHGs in a big way. He expressed his satisfaction on account of outstanding performance of Banks under PMJDY, mentioning that average balance of Rs.6505/ maintained in PMJDY Accounts is substantially more than national average of Rs.2422/ per PMJDY account. He also informed the house about coverage of cases under PMSBY and cases under as on Talking on Micro credit, Shri Bajaj praised the bankers for their good performance in disbursement of MUDRA loans for achieving 112% of the revised Annual Target for Rs. 808crore during April-December 2017 of FY He requested the Bankers to cover more beneficiaries under Mudra in the remaining period. Sri Bajaj referred to the NPA position of the State including written off amount which stood at Rs crore at the end of December 2017 thus indicating immense scope for recycling of fund in the State itself with simultaneous recovery from the defaulted accounts. He stated that overall recovery percentage of Priority Sector Advances stood at 61% as on and highlighted poor recovery position of Government Sponsored Schemes. He requested for kind intervention of the new State Government in assisting the banks for improving the recovery scenario so that bankers could feel comfortable in lending in the State. 116

122 Shri Pawan Bajaj had stressed on the issue of collective effort of all concerned to facilitate speedy implementation of Government s policy on various spheres of economic activities within the shortest possible time to economically lift the State to a greater height. Thereafter, Shri Bajaj, requested Shri Biplab Kumar Deb, Hon ble Chief Minister, Government of Tripura to deliver his keynote address and guide SLBC for growth & development of the State. At the outset, Shri Biplab Kumar Deb, Hon blechief Minister, Government of Tripura expressed his immense pleasure to be able to attend the SLBC meeting and extended warm welcome to Shri Sanjeev Ranjan, Chief Secretary, Govt. of Tripura and Shri Pawan Bajaj, MD & CEO of United Bank of India and Co-Chairman, SLBC, Tripura and other Senior Executives of the State Government, RBI, NABARD, SIDBI, Banks, Insurance Companies. Shri Deb also thanked Convener, SLBC, Tripura for offering the opportunity to utilize this forum for steering the growth & development of the State. Hon ble Chief Minister, Government of Tripura, initiating the deliberation, cited achievement under CD Ratio in the State, which stood at46% as on against the target of 53% as on March He stated that economic growth of a State is largely dependent on the finances made by banks to eligible and available segments. He also stated that Banks are service sectors and services of the banks are required to improve further in Tripura through interaction / awareness with the customers / entrepreneurs so that unemployed youths are moved towards self-employment by taking financial assistance from Banks operating in the state. He remarked that this would help the banks as well as the State in increasing CD Ratio and resultantly economy of the State would be strengthened by the investment made by the banks towards setting up of units for self employment. While discussing Annual Credit Plan & KCC, Hon ble Chief Minister referred to the agrarian economy of the State. He requested the bankers for issuance of KCCs to all eligible farmers and also cover them with Pradhan MantriFasal BimaYojana to protect them against natural calamities. Hon ble Chief Minister mentioned about good number of Brick-Fields and Tea-Gardens available in the State and directed the Bankers to effectively cover all eligible workers engaged in the Tea Gardens and Brick Fields with Pradhan Mantri Suraksha Bima Yojana to safeguard them. Hon blechief Minister expressed his happiness for disbursement of Rs. 722 crore to small entrepreneurs of the State during April-December 2017 under Pradhan Mantri Mudra Yojana. Considering that the unemployed youth in the state must be given an opportunity to become entrepreneurs, as presently job opportunities are limited and 117

123 correction of the situation in the state will consume some time, Hon ble Chief Minister requested for holding MUDRA Promotion Campaign across the State in a mission mode covering each Block within June Hon blechief Minister also advised toerect banners / standees displaying salient features of MUDRA Loans in Bengali in each branch premises for creating awareness among people. Hon ble Chief Minister categorically mentioned to consider Mudra loan applications only on merit and not due to political intervention. In order to motivate the bankers, he stated that State Government in a process of Reward Management State Government would send 2 best performing Managers in the state under Pradhan Mantri Mudra Yojanato South Asian countries. At this point, Shri M. Nagaraju, Principal Secretary, Finance and Industries & Commerce, Govt. of Tripura remarked that his Department would direct all the District Magistrates to finalize Block level Mudra Promotion Campaign in the ensuing DCC / DLRC meeting so as to arrange within June Accordingly LDMs have been advised to approach District Magistrates for holding Special DCC meeting urgently. Talking about Stand Up India Scheme (SUI), Hon ble Chief Minister stated that only 72 cases had been sanctioned in the State despite having more than 500 branches. He suggested for preparation of good projects in the field of Tea / Pineapple / Rubber and to identify suitable applicants under the scheme so as to improve the performance. Shri Sanjeev Ranjan, Chief Secretary, Govt. of Tripura stated target of 2 SUI loans per branch per year should remain an easy target for the branches. He referred to the availability of readymade pool of skilled entrepreneurs in the State. He also stated that SUI is a very good area for self-employment and suggested for awareness programme of the scheme across the State in similar lines with PMMY. Shri Manas Dhar, Convener, SLBC-Tripura informed that DIC could provide good entrepreneurs for SUI loans. He also referred to the Udyami Mitra Portal for direct online submission of loan application under SUI as well as Mudra to avoid paperwork and unnecessary physical visit to the branches on the part of would be entrepreneur as they can mention his / her preferred branches of a Bank to avail the loan facility under these two schemes. Shri M. Nagaraju, Principal Secretary, Finance and Industries & Commerce, Govt. of Tripura informed that projects eligible to be considered under Stand Up India can be customized since good number of entrepreneurs have already been trained by DIC and other skilling centers. He referred to few situations where bankers were found to be reluctant in sanctioning loans under SUI or other schemes. He also suggested for possible identification of entrepreneurs by the bank branch itself and to refer them to DIC for training. He stated that concerned District Magistrates would finalize Block level Mudra/ Stand Up India Promotion Awareness programme in the ensuing special DCC meeting. 118

124 Hon ble Chief Minister, Government of Tripura mentioned about setting up of Single Window System concerning industrial activities in the State involving various clearances to avoid time consuming bottlenecks for attracting fresh business / investment in the State and State Government would also provide land and other infrastructure support including some monetary concessions for such investment in the state. For this, the Bankers would have a new lending opportunity. Deliberating on Social Security Schemes, especially Pradhan Mantri Suraksha Bima Yojana (PMSBY) & Pradhan Mantri Jiban Jyoti Yojana (PMJJBY), Hon ble Chief Minister urged for giving wide publicity about these 2 schemes in local language. Hon ble Chief Minister suggested for displaying features of these schemes along with Mudra Loan features inside e very branch premises in the state to generate awareness. He also stressed for including promotion of these two schemes while undertaking Mudra campaign in each Block. He requested the bankers to come forward for coverage of all eligible people in the state under PMSBY having annual premium of Rs.12 only, in a campaign mode. Shri Bajaj, MD & CEO of United Bank of India assured for giving wide publicity of Social Security Schemes and along with Mudra Loan by the Banks to ensure maximum coverage. Convener, SLBC-Tripura briefed the house about the Auto-Debit facility as available for PMSBY and PMJJBY for the beneficiaries. Speaking on employment generation schemes, Hon blechief Ministerexpressed concern on poor performance of banks against annual targets. He stated that there is more problem in disbursement in loans. He requested bankers for field visit to ensure creation of assets out of loan money. He directed the concerned Department to take steps for resolving the issues like licencing / route permit of auto Rickshaw, other related issues for smooth implementation of employment generation schemes. Shri M. Nagaraju, Principal Secretary, GoT informed that sanction and disbursement had been delayed due to recently held Election Process in the State. He requested the bankers to sanction & disburse all eligible cases under PMEGP within the He requested the banks with zero performance under PMEGP & SWAVALAMBAN to come forward for sanction & disbursement of eligible cases within He suggested for wide publicity of all flagship programmes of Prime Minister in the State to make the people aware of them. Shri Manas Dhar, Convener, SLBC-Tripura assured about wide publicity through TV, Radio, Cable Channels, Banners / Standees, etc. in a big way to reach at the remotest corner of the State. Hon ble Chief Minister while supporting the same also hinted about utilizing local Cable TV network having wide reach. It was decided that such publicity would be given to one local Cable TV network each broadcasting in Kokborok and Bengali language respectively. 119

125 Shri Manoj Kumar, Principal Secretary, Urban Development, Govt. of Tripura briefed the implementation of PMAY scheme in the State. He stated that interest subvention facility is not extended to all eligible people in the State. He requested the banks to cover all eligible cases with interest subvention scheme with annual income of Rs.18 lac. Shri Sanjeev Ranjan, CS, GoT stated that recovery remained very good in housing loans and bankers should be proactive in financing housing loans under PMAY. Shri M. Nagaraju, Principal Secretary, GoT requested Principal Secretary, Urban Development to convene a meeting with SLBC, NHB and major participating banks in the State to improve the financing under PMAY. Hon ble Chief Minister briefly touched about Sukanya Samriddhi Yojana (SSY) which has been introduced by Government of India to promote the welfare of Girl Child. Under the scheme, a natural/ legal guardian can open the A/c on behalf of a girl child till she attains 10 years of age with a minimum Rs.1000 of initial deposit with multiple of one hundred rupees thereafter with annual ceiling of Rs in a financial year. The SSY A/c can be maintained for 21 years from the date of opening of the account and withdrawal is allowed after the Girl Child attains 18 years of age. Hon ble Chief Minister, stated that State Government would extend all possible support to banks and other stake holders for growth and development of the State. He also stated that State Government would work shoulder to shoulder with the bankers. He also assured every possible help to the banks in their business function including recovery of loans as well as ensuring safety and security for creating a comfortable working atmosphere for the banks in the State. Hon ble Chief Minister summarized his deliberation and emphasized on the following issues for steering the State towards growth and development: 1. Improvement of CD Ratio of the State by more financing by the banks to entrepreneurs for their self employment and to take it to 60% by March Wide publicity for all flagship programmes through TV, Radio, Cable Channels, etc. with special emphasis on MUDRA Loans, PMSBY, PMJJBY & Sukanya Samriddhi Yojana (SSY) to bring financial awareness among the people. 3. Banners / Standees in local language depicting salient points of MUDRA, SUI, PMSBY, SSY, etc. inside / outside each branch premises. 4. To organize Mudra Awareness Campaign covering each Block within June To set targets for opening of Bank Accounts of all brick field workers. 6. Coverage of all eligible people under PMSBY including Brick Field workers & Tea Garden workers. 7. Issuance of KCCs to all eligible farmers. 120

126 8. State Government to extend all possible help to the banks in their business function including recovery of loans apart from safety, security and comfortable working atmosphere for the banks in the State. 9. State Government to create platform in the state to ensure considerable investment in Tripura with the objective of increasing CD ratio. 10. To commence Single Window System concerning industrial activities in the State to attract the businessman to the State. Since all the agenda items for discussion in the meeting had already been covered during deliberation of the Hon ble Chief Minister in the house, no separate agenda wise discussion was initiated in course of the meeting. While such deliberation took place, the house noted the agenda placed for discussion. Summing up the discussion, Shri Mahendra Dohare, DGM & CRM, United Bank of India, Tripura Region profusely thanked Shri Biplab Kumar Deb, Hon ble Chief Minister, Government of Tripura for his august presence in the SLBC meeting. He expressed sincere gratitude to Shri Deb for his keen participation and providing guidance to the SLBC to propel the state towards all-round growth. He heartily thanked Shri Sanjeev Ranjan, Chief Secretary, Govt. of Tripura and Shri Pawan Bajaj, Managing Director & Chief Executive Officer of United Bank of India and Co-Chairman, SLBC, Shri M. Nagaraju, Principal Secretary, Finance and Industries & Commerce, Govt. of Tripura, Shri Manoj Kumar, Principal Secretary, Urban Development, Govt. of Tripura and all other dignitaries from Govt. of Tripura, RBI, NABARD, SIDBI, Banks and other Agencies for their kind presence and active participation in 124 th SLBC meeting. The meeting ended with vote of thanks to the Chair. *********************************xxxxx********************************* 121

127 LIST OF THE PARTICIPANTS AT THE 124 th MEETING OF THE SLBC FOR THE STATE OF TRIPURA HELD AT PRAGNA BHAWAN, HALL NO.4, AGARTALA ON AT 11:30 A.M. Sl. Name of the dignitaries Designation/Office/Institution No. I CHAIRED BY 1 Shri Biplab Kumar Deb Hon ble Chief Minister, Govt. of Tripura 2 Shri SanjeevRanjan Chief Secretary, Govt. of Tripura 3 Shri Pawan Kumar Bajaj Managing Director & CEO, United Bank of India and Co-Chairman, SLBC-Tripura II GOVT. OFFICIALS 4 Dr. M. Nagaraju Principal Secretary, Finance and Industries & Commerce, GoT 5 Shri Manoj Kumar Principal Secretary, Urban Development, GoT 6 Shri Rameshwar Das Secretary, Fishery, GoT 7 Shri Arup RatanSarma Addl. Secretary & CEO, TRLM 8 Shri Sahadeb Das Directorate of Institutional Finance, GoT 9 Dr. AsitChakrabarti Director, ARDD, GoT 10 Shri RajakishoreGiri Director, MSME-DI, GoT 11 Shri S.K. Sarkar Joint Director, Industries & Commerce, GoT 12 Shri Dipak Kr. Das Dy. Director, Directorate of Agriculture, GoT 13 Shri AshutoshSaha I/C PMEGP, KVIB, Tripura Shri Dhan Raj Lama Nodal Officer (PMEGP), KVIC 14 Shri KshitisDebbarma FDO, Fisheries, GoT 15 Shri PradipMajumdar Postmaster, Agartala Head Post Office 16 Shri Santanu Ghosh D.O., DIF 17 Shri Sudhir Ghosh L.D.C., DIF III RBI/NABARD/SIDBI/NHB/ Designation/Office/Institution INSURANCE COMPANIES/ BSNL 18 Shri Tamal Biswas General Manager, RBI 19 Shri Sunil Kumar General Manager, NABARD 20 Shri Sanjeev Gupta DGM, SIDBI 21 Shri K. Venugopal DGM, NABARD 22 Shri Sandipan Chatterjee Manager, RBI 23 Shri GopiNammi Manager, SIDBI 24 Shri Rakesh Kumar Yadav Asst. Manager, SIDBI 25 Shri Subrata Nag BM (P&GS), LICI 26 Shri SaktiDebbarma Sr. Divisional Manager, New India Assurance Co. Ltd. 122

128 27 Shri Hari Narayan Das A.O., New India Assurance Co. Ltd. 28 Shri SankarPodder Marketing Officer, National Insurance Co. Ltd. IV COMMERCIAL BANKS Designation/Office/Institution 29 Shri ManasDhar General Manager, UBI, HO & Convener, SLBC-Tripura 30 Shri M. Dohare DGM & CRM, UBI, Tripura 31 Shri M.M. Goswami Chairman, TGB 32 Shri Swapan Kumar Saha MD, Tripura State Co-operative Bank Ltd. 33 Shri P.R. Deo DGM, Canara Bank 34 Shri Deepak Chowdhury RM, SBI RBO Agartala North 35 Shri Shibatosh Chowdhury RM, SBI RBO Agartala South 36 Shri Subhodh Kr. Jha ZM, UCO Bank 37 Shri Bhajan Ch. Roy AGM, UBI-Tripura 38 Shri S.R. Das AGM-LBD & RRB, UBI HO 39 Shri DipankarAmbuly GM, TGB 40 Shri AlokChaudhury Chief Manager, SLBC & FI, UBI 41 Shri SubrataChakrabarty Chief Manager, SBI 42 Shri ParthaPratim Ray Chief Manager, Canara Bank 43 Mr. Mohd Ali Chief Manager, Central Bank of India 44 Shri Lalta Prasad Chief Manager, Union Bank of India 45 Shri L.S.S. NathShahdeo Chief Manager, Indian Overseas Bank 46 Shri Sanjit Singh Chief Manager, Allahabad Bank 47 Shri BhanuGoswami Dy. Zonal Head, UCO Bank 48 Smt. Samhita Ray Regional Manager, Govt. & SLBC, ICICI Bank 49 Shri Joy Gupta Regional Manager, Retail Banking, ICICI Bank 50 Shri SudipChakraborty Cluster Head, Bandhan Bank Ltd. 51 Sk. Rafizuddin Sr. Manager, Indian Bank 52 Shri SuvenduBikashJotder Sr. Manager, Syndicate Bank 53 Shri Nantu Roy Sr. Manager, Vijaya Bank 54 Shri K.H. Zhimo Sr. Manager, Dena Bank 55 Shri Avinash Kumar Sr. Manager, Oriental Bank of Commerce 56 Shri Debasish Ray Barman Sr. Manager, Indusind Bank 57 Shri Chiranjib Pathak Sr. Branch Manager, IDFC Bank 58 Shri MrinmoySaha Sr. Officer, Yes Bank Ltd. 59 Shri P. Dutta Choudhury Gr.-III Officer, T.C.A.R.D. Bank Ltd. 60 Shri Mrityunjoy Roy Branch Head, Bandhan Bank Ltd. 61 Shri Abhijit Deb Branch Head, South Indian Bank 62 Shri BasabBhattacharjee Branch Manager, Bandhan bank Ltd. 63 Shri Arindam Ray Manager, Punjab National Bank 64 Shri Ajay Bhowmik Manager, Andhra Bank 65 Shri SumitMazumder Manager, IDBI Bank 66 Shri ParthaSarathi Das Manager, Punjab & Sind Bank 67 Shri Prantik Das Manager, Bank of Maharashtra 68 Shri NeelabhraPratim Borah Manager, Marketing, United Bank of India 69 Shri Biswajit Gupta Manager, Corporation Bank 123

129 70 Shri NachiketaSaha Manager, Federal Bank 71 Shri KrishnapadaBhowmik GM, ACUB Ltd. 72 Shri Victor Chakraborty Assistant Manager, Kotak Mahindra Bank Ltd. 73 Shri AmalDebbarma Assistant Development Officer, ACUB Ltd. 74 Shri Rabi Kaloi Assistant Manager, TSCB Ltd. 75 Shri Rahul Chanda Assistant Manager, UBI TRO 76 Shri Ting KrongHanse Assistant Manager, UBI TRO 77 Shri DibyenduBanik ABM, IDFC Bank 78 Shri Babul Ch. Sarma State Director, NACER, Bangalore 79 Shri Shradhanand Soren Director, RUDSETI Agartala 80 Shri Narayan Ch. Debnath Director, RSETI Udaipur 81 Shri PrasenjitChakraborty Director, RSETI Sepahijala 82 Shri Rajes Das Director, RSETI Dhalai 83 Shri AmitavaSengupta LDM, Unakoti& North Tripura 84 Shri DebabrataBarua LDM, Gomati & South Tripura 85 Shri ArunChakma LDM, West Tripura &Sepahijala 86 Shri SubhajitPatra Officer, SLBC & FI, United Bank of India **************************xxxx************************** 124

130 त र प र ह त र ज य स तर य ब कर स र म तत क ब ठक STATE LEVEL BANKERS COMMITTEE MEETING FOR TRIPURA 125 th १२५ व March 2018 र स २०१८ क यसर र ट प पण AGENDA NOTES