STATE LEVEL BANKERS COMMITTEE, ODISHA

Transcription

1 STATE LEVEL BANKERS COMMITTEE, ODISHA स दर भ स /Lt No-SLBC/ODI/26/ ददन क / Date: To र ज य स तर य ब कसस समममत, उड़ श क सभ सदस य All the Members of State Level Bankers Committee, Odisha मह दय/मह दय Sir/Madam, म षय: ददन क 23 अप र ल 2018 क ह न ल 150 एस.एल.ब.स. ब ठक ह त क यस च न ट ए प ष ठभ मम पत र Sub: Agenda Note & Background Papers for 150 th SLBC Meeting to be held on 23 rd April हम र पत र स ख य एसएलब स /ओड आई/03/ ददन क क अन क रम म, हम क यस च न ट ए प ष ठभ मम पत र आपक म नम र अ ल कन ए ददन क 23 अप र ल 2018 क म फ यर कन शन, भ न श वर क दक रस टल ह ल म ह न ल एस.एल.ब.स. ब ठक म सहभ म त ह त स लम त कर रह ह Further to our Letter No. SLBC/ODI/03/ dated , we are enclosing herewith the Agenda Notes and Background Papers for your kind perusal and participation in the 150 th SLBC Meeting to be held on 23 rd April 2018 at Crystal Hall of Mayfair Convention, Bhubaneswar as per the details below: ददन क / Date : (स म र / Monday) समय / Time : 03:00 PM स थ न / Venue : दक रस टल ह ल ( मनचल म म ल), म फ यर कन शन, ह ट ल म फ यर, भ न श वर Crystal Hall (Ground Floor) in Mayfair Convention, Hotel Mayfair, Bhubaneswar. हम आपस मन दन करत ह दक आप ब ठक म अ श य भ ल तथ र ज य क प र मत ए म क स ह त अपन बह म ल य स झ स हम अ श य अ त कर ए We would request you to kindly make it convenient to attend the Meeting and give your valuable suggestions for growth and development of the State. स दर / With regards, 150 भ द य / Yours faithfully, (ए.स प रध न / A.C Pradhan) स य क, एस.एल.ब.स., उड़ श Convener, SLBC, Odisha Enclo: यथ क त As stated above य क ब क भवन, त त य तल, स -2, अश क नगर, भ वन श वर UCO Bank Building, 3 rd Floor, C-2, Ashok Nagar, Bhubaneswar Phone: , , Fax: slbc.odisha@ucobank.co.in

2 Sl No C O N T E N T S Particulars Page No 1 Banking at a glance in Odisha as on 31 st December Confirmation of Proceedings of 149 th SLBC Meeting 3 3 Financial Inclusion Plan 3 4 Banking Key Indicators 7 5 CD Ratio 9 6 Branch & ATM Network 12 7 Achievement of Annual Credit Plan under Priority Sector 13 8 NPA & Overdue Position 15 9 Finance to MSME Sector Finance to Agriculture Sector Crop Insurance - PMFBY Finance to Handicrafts & Weaver Sector Finance to Self Help Groups Progress under Govt. Sponsored Programmes Finance under Education Loan including KSSY Finance under Housing Loan RSETI Issues CGTMSE Scheme Financing under Minority Communities Disposal of loan applications under various Govt. schemes Coir Board Issues Calendar of Programme for conducting SLBC Meetings for

3 LIST OF ANNEXURES Annexures Particulars Page No 1 Bank wise progress under Roadmap for providing Banking Services Bank wise performance under PMJDY Bank wise District wise BSBDA Enrollment status of PMSBY, PMJJBY & APY Claim Settlement Status of Social Security Schemes Pradhan Mantri MUDRA Yojana (PMMY) Performance Status of Direct Benefit Transfer to LPG Consumers Status of Aadhaar Generation Key Indicators Area wise CD Ratio Bank wise District wise Branch Network Bank wise District wise Branch Opened Report ATM Network in Odisha Branch & ATM Network and Branch & ATM Network in rural centres Annual Credit Plan (A.C.P) Scheme wise NPA,Overdue & Recovery Position Particulars of cases filed under OPDR Act and OACOMP Act SARFAESI Cases pending with District Magistrate Credit flow to MSME Stand Up India Finance under Agriculture Finance under KCC Finance under Allied Agriculture FFDA - Bankwise Pending Position under MPY( ) FFDA - Bankwise Pending Position Financing Floriculture Projects in the State of Odisha Data on Relief Measures extended by Banks - Natural Calamities Performanc under S.U.Y Finance under MUDRA Weavers Scheme & Weavers Credit Card Finance under Self Help Group Performance under PMEGP Performance under NULM Finance under Joint Liabilty Group Finance under Artisan Credit Card Finance under Swarozgar Credit Card Bankable I.G.S during in Sch. Caste Sector Finance under Education loan Performance under Kalinga Sikhya Sathi Yojana Finance under Housing Loan Performance of RSETIs in Odisha as on Credit Facility under CGTMSE Credit facility to Minority Community Disposal of loan applications under various sectors Coir Udyami Yojana(CUY) - Bankwise Subsidy released Coir Udyami Yojana(CUY) - Bankwise Application Pending Coir Udyami Yojana(CUY) - Bankwise Subsidy released & Coir Udyami Yojana(CUY) - Bankwise Subsidy released from to (upto ) Clander Programme for conduct of SLBC Meetings

4 BANKING AT A GLANCE IN ODISHA AS ON 31 st DECEMBER 2017 Sl Particulars Amt in Crore 1 Total Deposit Total Advance utilized in the state Total Advance sanctioned and utilized in the state Total Business (Deposit + Advance) Credit Deposit (CD) Ratio (%) Benchmark- 60% Credit Deposit Ratio excluding advance sanctioned in other state and utilized in our state CD Ratio of Rural Branches CD Ratio of Semi Urban Branches CD Ratio of Urban Branches Total PS Advance % of PS Advance to ANBC Benchmark - 40% Agriculture Advance % of Agriculture Advance to ANBC Benchmark - 18% MSME Advance % of MSME Advance to ANBC Out of which, Micro Enterprises (Benchmark 7.5 % of ANBC) Advance to Weaker Section % of Advance to weaker section to PS Adv. Benchmark 25% Education Loan B/o Housing Loan B/o Export Credit B/o Total DRI Advance Total Advance to Minority community % of Advance to Minority community of Total Priority Sector (Norm 15 % of Priority Sector) Advance to Women % of Advance to Women(Benchmark 5% on ANBC) Credit Investment to Deposit Ratio % NPA in % (Average in the state) P a g e

5 Public Sector Banks Private Sector Banks 0.61 RRBs Cooperative Banks 6.80 Total No. of Branches 5075 Rural Branches 2719 Semi Urban Branches 1349 Urban Branches 1007 Achievement under ACP vis-à-vis Annual Target under priority sector in % Agriculture MSME Export Credit Education Housing Social Infrastructure 2.30 Renewable Energy 0.07 Others Lead Districts : 30 SBI 19 UCO 7 BOI 2 Andhra Bank 2 RSETIs : 30 SBI 17 UCO 7 BOI 2 CBI 1 Andhra Bank 2 RUDSETI : Canara Bank & Syndicate Bank 1 FLCs 140 SBI 19 UCO Bank 7 Andhra Bank 2 Bank of India 2 Cooperative Banks 97 RRB 13 2 P a g e

6 AGENDA NO.1 AGENDA NOTES OF 150 TH SLBC MEETING Confirmation of Proceedings of 149 th SLBC Meeting held on at Bhubaneswar. The Proceedings of the 149 th SLBC Meeting held on was circulated among all the members of SLBC vide our letter No. SLBC/ODI/501/ dated Since no comments have been received from any quarter, the same may please be confirmed. AGENDA NO.2 Progress of Implementation of Financial Inclusion Plan in the State 1. Provision of Banking Outlets in villages with population below 2000 Although the exercise under the roadmap for provision of banking services in villages having population less than 2000 was to be completed by December 2017, Odisha could not meet the prescribed timelines. As per data submitted by banks to SLBC on roadmap for providing banking services in villages having population below 2000, banks have covered 95.79% of the target as on and provision of banking services to the remaining villages is in progress. Bank wise & District wise details are at Annexure-1. Banks have been advised by RBI to consider opening of a CBS enabled banking outlet or a part time banking outlet in the village with population less than 2000 that have been allotted to the banks and still remain unbanked. The following banks have not achieved their targets under the roadmap for providing banking services in every village having population below (As on ) Sl. No. District No. of villages allotted No of villages where banking outlets already opened % age coverage Shortfall (No. of villages) 1 Andhra Bank Axis Bank Dena Bank Odisha Gramya Bank Punjab National Bank Utkal Grameen Bank Federal Bank Total *** 1129 The above banks are advised to ensure 100% coverage of their allotted villages by 31 st March P a g e

7 2. Provision of Banking Outlets in Unbanked Rural Centres (URCs) in villages with population above 5000 In term of revised guidelines on Branch Authorization Policy, 78 Unbanked Rural centres having population more than 5000 without a bank branch of a Scheduled Commercial Bank were to be covered by Banking Outlets by December There are 12 Brick and mortar branches and 61 BC/CSP points are opened by 23/02/2018. There is a shortfall of 5 villages namely Surapratapur (OGB), Panchupali(Bank of India), Charangul(Andhra Bank) and Mansinghpur & Baulabandha(Indian Bank). The concerned Banks are advised to open Banking Outlets in the allotted villages by March Branch opening in Unbanked Gram Panchayats (GPs) As on Particulars Unbanked GPs allotted Banking Outlets already opened Banking Outlets to be opened Phase - I Phase - II Sub-total GPs allotted exclusively to SBI Grand Total As observed from the above table, out of 1474 GPs having neither Bank Branch nor BC within a 5 km radius as on March 31, As on 23/02/2018 Banking Outlets (BOs) have been opened in 965 GPs so far and opening of BOs in the remaining 509GPs are to be covered by March 2019 as per the road map. 4. GIS Mapping of Bank branches, BCs and ATMs For accurate and exact location of bank branches and ascertaining the extent of banking services, Orissa Space Application Centre (ORSAC) requested RBI to share the exact latitude and longitude data of bank branches for the first phase of Geographic Information System (GIS) mapping. Accordingly, RBI obtained latitude and longitude details from all banks operating in the state. After thorough screening, the data will be shared with ORSAC. After hosting the updated branch data, ATMs and BCs will be uploaded by ORSAC based on their latitude and longitude in the next phase. Therefore, all banks are advised to be ready with latitude and longitude details of their ATMs& BCs. 4 P a g e

8 5. Banking Service Expansion in allotted GPs of LWE district of Malkangiri SLBC had allotted 19 unbanked Gram Panchayats (GPs) among banks for opening of banking outlets. As on 23/02/2018, six GPs are served by branches, seven GPs are served by BCs/CSPs and BCs were appointed in two GPs which has become nonfunctional. Banks are yet to appoint BCs in remaining four GPs. GPs where BCs are yet to be appointed/made functional areas under Sl No. Name of GP Name of Block Link Bank/Branch Service Area Bank Present Status 1 Mudulipada Khairput UGB UGB * Not functioning 2 Doraguda Chitrakonda SBI, Chitrakonda SBI Not functioning 3 Motteru Podia ICICI ICICI Not appointed 4 Podaghat Khairiput HDFC HDFC Not appointed 5 Tamasha/MV 07 Malkangiri HDFC HDFC Not appointed 6 Janabai K. Gumma HDFC HDFC Not appointed 6. Connectivity As reported by GM, BSNL that 574 GPs of the State have been connected through Optical Fibre Cable and ensuring 1000MBPS of Internet Connectivity in a radius of 200 metres from GP headquarters. GPs of district namely Khurda, Puri, Nayagarh, Gangam, Gajapati, Cuttack, Kendrapada, Jajpur, Jagatsinghpur, Bhadrak, Balasore, Mayurbhanj, Keonjhar, Dhenkanal, Deogarh, Kalahandi and Kandhamal will be connected through BSNL Optical Fibre under NOFN project by March The remaining 12 district will be connected by March State Govt reimburses VSAT cost for opening of branches in Unbanked GPs. 7. Implementation of Pradhan Mantri Jan Dhan Yojana (PMJDY) as on P a g e No of accounts opened from to Rural Urban No. of accounts opened with Zero balance Lakhs % of Zero balance accounts to total account opened 13.78% Total deposit balance under PMJDY accounts. No. of RuPay Cards issued No. RuPay Cards activated No. of Aadhaar seeded accounts % of Aadhaar seeding Lakhs Lakhs Lakhs Lakhs 63.91%

9 Bank wise performance on PMJDY as on is available in Annexure 2. Bank wise & District wise performance on BSBDA as on is available in Annexure 3. Performance by Commercial Banks under Social Security Schemes as on Name of Scheme No. of Enrollments in lakhs PMSBY PMJJBY 8.91 APY 2.62 Bank wise performance in the Social Security Schemes is available at Annexure 4. Insurance Claim Details under Social Security Schemes as on BANKS Claimed Settled Returned/Rejected Pending RuPay Debit Card (Rs. 1,00,000/-) TOTAL PMJJBY (Rs. 2,00,000/-) TOTAL PMSBY (Rs. 2,00,000/-) TOTAL Life Insurance Coverage under PMJDY (Rs 30,000/-) TOTAL Bank wise details of Insurance Claim Settlements made under various social security schemes are available at Annexure Progress of Pradhan Mantri MUDRA Yojana (PMMY) in Odisha for the period to All Banks and Financial Institutions have sanctioned an amount of Rs crore and disbursed Rs crore as on during the financial year Categories No. of Disbursed amount Share in Share in % Accounts (Crore) % Shishu Kishore Tarun Total P a g e

10 Progress of Pradhan Mantri MUDRA Yojana (PMMY) in Odisha for the period to (Financial Institutions wise) Financial Institutions No. of Accounts Share in % Disbursed amount (Crore) Share in % MFIs, NBFCs & Small Finance Bank Public Sector Banks Private Sector Banks Regional Rural Banks Foreign Banks Total Bank wise, district wise & category wise report on PMMY is available at Annexure Review on Banking Developments in Odisha in Key Indicators as on vis-àvis (Amt in crore) Parameters December 2016 December 2017 Variation over December 2016 % of growth No. of branches Deposits Advances CD Ratio in % *** Credit Investments to Deposit Ratio *** Priority Sector Advances % of P S Advances to Total Advance *** Agriculture Advances % of Agri Advances to Total Advance *** MSME Advance Education Loan Housing Loan Advance to Minority Communities Advances to Weaker Sections % of Weaker Section Adv. to PS Adv *** DRI Advances Branch Network As at the end of December 2017, the total number of Bank Branches in Odisha increased to 5070 during the period to , Banks have opened 40 new branches in the State. Out of which, Public Sector Banks, Private Sector Banks & RRBs have opened 24, 15, & 1 branches respectively. In Urban, Semi-Urban and Rural centers, 9, 18 &13 respectively branches have been opened. 7 P a g e

11 Deposit Growth Deposits of the Banks in the state have increased from Rs Crore as of December 2016 to Rs Crore as of December 2017, registering an increase of Rs Crore. The year on year incremental deposit growth is 6.18% Credit Expansion The total outstanding advances increased from Rs Crore as of December 2016 to Rs Crore as of December 2017 registering an increase of Rs crore. The year on year incremental advance growth is 16.62%. CD Ratio The Credit Deposit Ratio of all Banks in the state increased from % as of December 2016 to % as of December Overall CD ratio is above the benchmark of 60%. Priority Sector Advances The percentage of priority sector advances is % as of December 2017 against the national norm of 40 %. Agriculture Advances The aggregate of agriculture advances extended by Banks in Odisha have increased from Rs Crore as of December 2016 to Rs Crore as of December 2017, thus registering an increase of Rs Crore in absolute terms and in percentage terms. The share of agricultural credit in total advances as of December 2017 is % against the national norm of 18 %. Micro, Small & Medium Enterprises (MSME) The advances to MSME during the period under review have witnessed increase from Rs Crore as at December 2016 to Rs Crore as at December 2017, thus registering an increase of Rs Crore in absolute terms and in percentage terms on year to year basis. Education Loan A decrease of Rs crore in balance outstanding as on over under Educational Loan represents negative annual growth of 6.38% Housing Loan The housing loan balance outstanding has increased from Rs Crore as on to Rs Crore as on registering an increase of Rs crore in absolute terms. The incremental growth on year to year basis is %. 8 P a g e

12 Advances to Weaker Sections The advances to Weaker Sections increased from Rs crore as of December 2016 to Rs Crore as at December The share of weaker section advance to Priority Sector advance is 28.18% against the bench mark 25 %. 10. Direct Benefit Transfer for LPG (DBTL) Progress on implementation of DBTL in the State. LPG and Bank Aadhaar Seeding Status as on (Annexure -7) As reported by Odisha State Office, Indian Oil Bhavan, Bhubaneswar. 1. Total no of LPG distributors in the State No of LPG Consumers % of LPG Aadhaar Seeding % of Bank Aadhaar Seeding (ATC) % of Bank Account Seeding verified (BTC) % of CTC (ATC+BTC) Aadhaar Number Seeding As reported by the UIDAI, Bhubaneswar (Annexure-8) 1. As on ; total population eligible for Aadhaar enrolment Total Enrolment Enrolment % on population Aadhaar generated (94.41%) 5. Balance Aadhaar to be generated AGENDA NO. 3 CD Ratio The deposit, advances & important banking key indicators are available at Annexure 9. CD Ratio (All Banks) Banks Basing on total utilization (including sanctioned in outside State) of advance in the state Basing on advance sanctioned and utilized in the state Public Sector Private Sector RRBs Cooperative State P a g e

13 District Wise CD ratio (%) as of & for all Districts of Odisha (Crore) (Crore) SL. DISTRICT NAME Deposit Advance CD Ratio Deposit Advance CD Ratio 1 ANGUL BALASORE BHADRAK BARAGARH BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NAYAGARH NABARANGPUR NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH Sambalpur district registered lowest CD ratio of only on account of MCL deposit of Rs Crore. If this amount is excluded, the CD Ratio will be 48.90% 10 P a g e

14 It is observed that 9 districts namely Bhadrak, Dhenkanal, Jajpur, Boudh, Jharsuguda, Kalahandi, Sonepur, Khurda and Nabrangpur have achieved CD ratio of more than 60% & 09 districts have registered CD ratio below 40%, namely, Angul, Sambalpur, Deogarh, Gajapati, Ganjam, Jagatsinghpur, Kendrapara, Puri and Mayurbhanj. The LDMs of those districts and the Banks operating in the districts should take needful action for improvement in CD ratio in the coming quarters. Area wise CD Ratio is at Annexure 10. Monthly meetings to review CD Ratio (CDR) of 12 districts with CD ratio below 40% as on March 31, 2017 RBI, Bhubaneswar have started monthly review of CD Ratio (CDR) of 14 large public/ private sector banks in 12 districts of Odisha (viz. Angul, Deogarh, Gajapati, Ganjam, Jagatsinghpur, Kandhamal, Kendrapara, Keonjhar, Mayurbhanj, Nuapada, Puri and Sambalpur) with CD ratio below 40% as on March 31, 2017 since June It was observed that despite setting up Special Sub-committees (SSC) of DCC as per Lead Bank Scheme (LBS) guidelines to draw and monitor Monitorable Action Plan (MAP) to increase CDR in these districts, these districts have been reeling under low CDR for a long time as the banks were not reviewing their district-wise CDR position and reviewed only CDR for the state. Thus, it was decided to provide specific thrust on the issue and monthly meetings with the Controlling Heads of 14 large public/ private sector banks and govt. officials are being conducted by RBI to review CDR of above districts and obtain district-wise commitments/ targets from the bankers about their CDR in these districts on a monthly basis. RBI concerted efforts since June 2017 have led to discernible/ encouraging results in that the number of districts with CDR below 40% has come down from 12 as on March 31, 2017 to 9 as on December 2017 as CDR of three districts namely Kandhamal, Keonjhar and Nuapada has improved above the mark of 40%. Further, banks have started monitoring their district-wise CDR on a monthly basis. This momentum needs to be sustained and special efforts need to be continued for other districts as well CD ratio of the State as on computed on the advance figure of sanctioned in other state but utilized in our state as per Thorat Committee is & CD Ratio computed on advance sanctioned and utilized in the state is %. 11 P a g e

15 AGENDA NO. 4 Branch Network: Area Wise Year Rural Branch Semi-Urban Branch Urban Branch Total Branches (54.49%) 901(25.06%) 735(20.45%) (53.74%) 1021(26.70%) 748(19.56%) (54.54%) 1143(26.70%) 803(18.76%) (54.73%) 1220(26.14%) 892(19.13%) (54.91%) 1268(25.94%) 936(19.15%) (54.56%) 1312(26.08%) 974(19.36%) (53.58%) 1349(26.58%) 1007(19.84%) 5075 Bank wise & district wise Branch network as on is available at Annexure 11. Bank wise and District wise branch opened during the period to is available at Annexure 12. Branch Network: Bank Wise Year Public Sector Bank Private Sector Bank RRBs Total Commercial Banks Cooperative Banks Total Branches P a g e

16 Position of ATM installation in the State as on Sl. No. ATM Position Number 1 No. of Onsite ATMs No. of Offsite ATMs Total No. of ATMs 6578 Out of which I No. of ATMs in Rural Branch 2199 II No. of ATMs in Semi-Urban Branch 2239 III No. of ATMs in Urban Branch 2140 Availability of ATM in the State As on No. of ATMs Bank wise and District wise ATM position is available at Annexure 13. The present status of branch & ATM opening in the state indicates that Banks are yet to give due importance for opening of new branches in unbanked areas and installation of ATM at rural branches. All Banks are requested to ensure that each branch shall have at least one ATM. Details of bank wise branch network, ATM network, branch & ATM network in rural centres is enclosed at Annexure 14. AGENDA NO.5 Target vs. Achievement of Annual Credit Plan (ACP) under Priority Sector Achievement under Annual Credit Plan (District wise & Bank wise) as on (LBS- MIS-II) is available at Annexure 15. Performances under major segments of Priority Sector are reproduced below. 13 P a g e

17 Target Vs Achievement under ACP as on Amt in Crore Particulars Target Achievement %age Crop Loan Agri Term Loan Fishery Dairy Farm Credit Agriculture Infrastructure Ancillary Activities Agri Total Micro Enterprises Small Enterprises Medium Enterprises Khadi & Village Industries Others under MSME MSME Total Export Credit Education Housing Social Infrastructure Renewable Energy Others Priority Sector Total Bank wise Achievement under ACP as on (Amount in crore) Sl Name of Bank Priority Sector Target Achievement % 1 Public Sector Banks Private Sector Banks Regional Rural Banks Co-operative Banks TOTAL The achievement during to under ACP is 60.97% of the target. 14 P a g e

18 Share of different Banks in Agriculture Credit Outstanding on excluding RIDF (Amount in Crore) Name of the banks Amount outstanding Share in % Public Sector Banks Private Sector Banks RRBs OSCB Total Monthly meetings to review ACP achievements of large Public/ Private Sector Banks A system of monthly review of ACP achievement of 17 large public/ private sector banks has been put in place by RBI since July The monthly meetings are being held with the Controlling Heads of concerned banks and Govt. officials to review the ACP achievement of banks, obtain monthly commitments/ assurances from bankers about future ACP achievements and sensitize all stakeholders to improve the situation in the intervening months of SLBC meetings which are held on a quarterly basis. The review enabled us to take stock of the performance and get ground level feedback from the Bankers as well as concerned Govt. Departments. It is observed that the banks have achieved the ideal 75% target under MSME sector unlike in case of crop loan, farm loan, total agricultural credit and overall ACP. However Heads of Banks are requested to achieve the ACP targets by the year-end. AGENDA NO 6 NPA & Overdue position as on The NPA % of the State is and overdue % is 34.84% which are at much higher side and alarming. Rising NPA in Odisha is a matter of great concern The Bank wise and Sector wise NPA & Overdue position is given in Annexure 16. For PMRY / PMEGP / SJSRY (NULM)/ SHG (NRLM) the NPA & Overdue % is too high, which can only be rated as unsatisfactory. The Banks are facing problem to recycle the funds owing to non repayment of loans, mounting overdue and rising NPA %. Banks & Govt. Departments have to make joint efforts with specific strategies to improve the recovery performance for better recycling of funds. 15 P a g e Sector wise NPA & Overdue % as on Sl. No. Sector NPA % Overdue % 1. Short Term Crop Loan Agriculture Term Loan Agriculture Allied

19 4. Total Agriculture MSME Sector Education Loan Housing Loan Total Priority Sector Total Advance Scheme wise NPA & Overdue % as on Sl. No. Sector NPA % Overdue % r1. PMEGP & PMRY 20.58/ SHG NULM Weaver Credit Card Year wise NPA Position as on Year NPA % Banks having NPA % above the State Average are Andhra Bank, Bank of Baroda, CBI, IOB, OBC, PNB, SBI, UCO Bank, OGB & UGB Status of OPDR cases as on no. of OPDR cases involving Rs crore are pending as on Highest number of cases (1614) are pending in Khordha district followed by Kendrapara district (1179 cases). All District Collectors may be advised by State authority for early disposal of pending OPDR cases. All the Lead District Managers may put their coordinated efforts to yield desired result. District wise & Bank wise report is available at Annexure P a g e

20 Applications for attachment of property under Section 14 of the SARFAESI Act pending with District Magistrates Banks require adequate support from District Magistrate for quick enforcement of SARFAESI Act. The applications are remaining pending with District Magistrates in different districts for a long time for permission and assistance for taking physical possession of charged assets under the Act. It is reported that 867 numbers of applications involving Rs Crore of different banks for attachment of property under section 14 of SARFAESI are pending with District Magistrates. The State Government is requested to kindly issue appropriate instruction to the District Magistrate for expeditious disposal of Bank s applications seeking permission for taking over physical possession of charged assets. District wise and bank wise pending list enclosed at Annexure 18. AGENDA NO.7 Financing to MSME Sector Micro, Small and Medium Enterprises (MSMEs) Particulars Balance outstanding as on (Amount in crore) Balance outstanding as on A/Cs Amount A/Cs Amount Micro Enterprises Small Enterprises Total MSE Share of advances of Micro Enterprises to MSE (% ) Total MSME Observations:- The advance to MSME as on has registered growth of 16.28% over Against a target of 7.5% of ANBC, Banks have achieved % under Micro Enterprises. The allocation of Micro sector to MSE advance at the end of December 2017 is %. Detailed report of Bank wise position under MSME is available at Annexure 19. The target under ACP for MSME sector (Priority Sector) for the year is Rs crore and the achievement as on is Rs Crore which is 96.48% of the target. The share of MSME advances to total advances as of 31 th December2017 is %. 17 P a g e

21 Performance of Commercial Banks under Manufacturing Sector as on Manufacturing Sector Disbursement ( to ) A/C Amt in Crores Micro Enterprises Small Enterprises Medium Enterprises TOTAL Stand Up India Scheme As per guidelines of Stand up India, each branch of a scheduled bank is expected to extend loans to at least one SC/ST and minimum one woman entrepreneur under this scheme. As on 31 st December 2017, 491 loan applications have been disbursed up to as per report generated from Stand up Mitra portal. Performance under Stand up India as on as per Stand up India Particulars Sanctioned Disbursed A/C Amount (Cr) Amount (Cr) SC/ST Women Total As reported by different banks as on , Rs 3.79 crore has been disbursed in 71 accounts to SC/ ST applicants and Rs crore has been disbursed in 420 accounts to Women applicants. (Annexure - 20) Relief for MSME Borrowers registered under Goods and Services Tax (GST) Presently, Banks and NBFCs in India generally classify a loan account as Non-Performing Asset (NPA) based on 90 day and 120 day delinquency norms, respectively. It has been represented to us that formalization of business through registration under GST had adversely impacted the cash flows of the smaller entities during the transition phase with consequent difficulties in meeting their repayment obligations to banks and NBFCs. As a measure of support to these entities in their transition to a formalized business environment, it has been decided that the exposure of banks and NBFCs to a borrower classified as micro, small and medium enterprise under the Micro, Small and Medium Enterprises Development (MSMED) Act, 2006, shall continue to be classified as a standard asset in the books of banks and NBFCs subject to the following conditions: 18 P a g e

22 The borrower is registered under the GST regime as on January 31, The aggregate exposure, including non-fund based facilities, of banks and NBFCs, to the borrower does not exceed 250 million as on January 31, The borrower s account was standard as on August 31, The amount from the borrower overdue as on September 1, 2017 and payments from the borrower due between September 1, 2017 and January 31, 2018 are paid not later than 180 days from their respective original due dates. A provision of 5% shall be made by the banks/nbfcs against the exposures not classified as NPA in terms of this circular. The provision in respect of the account may be reversed as and when no amount is overdue beyond the 90/120 1 day norm, as the case may be. The additional time is being provided for the purpose of asset classification only and not for income recognition, i.e., if the interest from the borrower is overdue for more than 90/120 days, the same shall not be recognized on accrual basis. Investor Education and Protection Fund Authority (IEPF Authority) Govt of India has established an Investor Education and Protection Fund Authority (IEPF Authority) under the provisions of Companies Act, 2013 to inter alia promote investor education and promote awareness through conduct of investor awareness programmes. A general lack of awareness among the potential investors, especially in rural areas about investment related matters, make them vulnerable to fraudulent investment schemes. As a part of the mandate, the IEPF authority has taken several initiatives for organizing investor awareness programmes. The awareness is being created through various media like advertisement in the newspapers, jingles on radio, crawlers on television etc. Further, investor awareness programmes are organized in the urban areas through the professional institutes and in rural areas through the Common Service Centres located in village Panchayats. The requisite training, capacity building tools and communication materials like short film, videos, modules in local language, pamphlets, posters etc for promoting investor awareness can be arranged under the aegis of IEPF authority. LDMS are advised to include the investor awareness programme as a standard agenda in the Block/District level credit Committee Meeting and review the progress from time to time. 19 P a g e

23 AGENDA NO 8 AGRICULTURE Bank wise performance of Crop Loan & Term loan for the period to is available at Annexure 21. Kissan Credit Card (KCC) The Bank wise achievement made under KCC as on is available at Annexure 22. It is observed that Banks have disbursed Rs crore in KCC accounts during to , out of which fresh KCC has been issued in accounts disbursing Rs crore. Total outstanding balance as on is Rs crore in KCCs accounts. KCC has not been issued by the following Banks: (i) Public Sector Banks Bank of Maharashtra (ii) Private Sector Banks Axis bank, Bandhan Bank, City Union bank, Karnataka Bank, IndusInd Bank, Karur Vysya Bank, Laxmi Vilas Bank, The South Indian Bank Ltd, Standard Chartered Bank & Yes Bank Agriculture Allied Sectors (Fishery & Dairy). Bank wise progress made on Financing under different schemes of Allied Agriculture Sector is given in Annexure 23. Disbursement for the period to Name of the scheme No. of account Amount in Rs. Crore Dairy(Including DEDS) Fishery Poultry Other allied (Goatery, piggery etc) Total P a g e

24 Progress under FFDA 1. A new State Plan Scheme is implementation during namely Matsya Pokhari Yojana to create additional new water bodies targeting for Ha. with 50% subsidy assistance & Advanced Fingerling Production in Ha. water area. So all the Controlling Heads may please be requested to issue necessary instruction to bank brances in districts for early sanction of cases under Matsya Pokhari Yojana for full utilization of subsidy by So far 612 nos. of proposals amounting to Rs lakhs has been sponspored to different banks for early finance is appended herewith in Annexure-24 for necessary action Nos. of cases are pending in different banks covering water area of Ha. amounting to Rs lakhs under Short term credit. The details of dist. wise pending position as on are given in Annexure Govt. of India has revised the Unit Cost during for Pisciculture from Rs.3.50 lakh/ha to Rs.8.50 lakh/ha. with 40% subsidy support to General beneficiaries & 60% assistance for Women, SC & STs. All the bankers may please be requested to extend the credit flow to Fisheries sector to double the Inland Fish production as envisaged in the Odisha Fishery Policy Bank wise & Scheme wise under various Schemes of Agriculture & Allied Sector Interest Subvention & Subsidy (State Govt.) utilization as on (Figures in Rs) Utilization during the period Up to From to From to From to From to From to From to From to Total Utilization Total Fund Received from Govt. Balance Crop loan Agriculture Term Loan Short Term Fishery Loan Term Loan Fishery Short Term Dairy Loan Long Term Dairy Loan PDE 21 P a g e

25 Requisition for releasing Rs Crore under Short Term Crop Loan, submitted to The Registrar of Co-operative Societies, Odisha, Bhubaneswar Vide letter no. SLBC/ODI/106/ dated and SLBC/ODI/367/ dated Requisition for releasing Rs.7.00 Crore under PDE Scheme submitted to The Director, Animal Husbandry & Veterinary Services, Cuttack, Odisha Vide letter no. SLBC/ODI/320/ dated and SLBC/ODI/380/ dated Requisition for releasing Rs.5.00 Crore under Long Term Loan Dairy Loan Scheme submitted to The Director, Animal Husbandry & Veterinary Services, Cuttack, Odisha Vide letter no. SLBC/ODI/381/ dated Requisition for releasing additional Rs 20 crore( Total Rs Crore ) under Short Term Crop Loan, submitted to The Registrar of Co-operative Societies, Odisha, Bhubaneswar Vide letter no. SLBC/ODI/551/ dated Requisition for releasing Rs.5.00 Crore under Long Term Loan Dairy Loan Scheme submitted to The Director, Animal Husbandry & Veterinary Services, Cuttack, Odisha Vide letter no. SLBC/ODI/381/ dated and SLBC/ODI/559/ dated FLORICULTURE It will be prudent to state that cultivation of flowers in protected structures in our State has shown excellent result in terms of production and quality. The activity can be a good income generating activity for the farmers. Besides, the scheme can provide employment opportunity to a lot of people. Although, assistance to the tune of 70% of cost of structure including cost of cultivation is being provided by the Government, more projects are not coming up as cost involvement for such projects is high. Financing such projects has been a major constraint as far as the implementation of the scheme is concerned. The scheme will get a boost if Institutional Financing for such projects can be made available, obviously, within the ambits Banking Norms and Government Guidelines. The existing procedure being followed by Banks and proposed for financing floriculture projects is explained below. 1. Existing Procedure for Finance of Floriculture Projects: 1. Most of the Banks are not keen to finance floriculture projects. 2. In case they agree to finance, they ask for 100% -200% collateral security on the sanctioned amount except a few cases where sanction has been accorded with low collateral security. 3. Land of the proposed site is not taken as collateral security. 22 P a g e

26 4. Banks insist on liquid collateral security or urban property/ homestead land as security. 2. Proposed Procedure for Financing Floriculture Projects: 1. Banks may consider to finance floriculture projects for amounts inclusive of cost of the structure, cost of cultivation and working capital, but exclusive of the margin money to be deposited by the beneficiary. 2. Collateral security should be on the amount the bank actually financing, not the amount being sanctioned, i.e. sanctioned Amount Subsidy. 3. Interest should not be charged on the Subsidy Reserve Fund. 4. The repayment schedule is to be drawn on the loan amount in such a way that the subsidy amount is adjusted after the Bank loan portion (excluding subsidy) is liquidated. Director Horticulture may deliberate on this matter The details about of financing floriculture projects in the State of Odisha given at Annexure-26. Restructuring/Rescheduling of short term Loan, Fresh crop Loan sanctioned and Consumption loan sanctioned in the aftermath of occurrence of drought, incidence of pest attack and unseasonal cyclonic rain It is matter of concern that despite meeting and follow up the performance under above is not very encouraging. The progress in this regard is given at Annexure-27. Progress of Pledge Financing on Negotiable Warehouse Receipts (NWRs) to farmers In our State, State Bank of India & Allahabad Bank have pledge financing against NWRs. During to an amount of Rs crore has been disbursed. Balance outstanding as on is Rs crore. Since pledge financing gives price assurance to farmers, it is requested the member banks to explore possibility of lending under pledge finance. 23 P a g e

27 AGENDA NO 9 Crop Insurance For reconciliation of the Farmers data entered on National Crop Insurance Portal with the premium remitted to Insurance Company for Kharif-2017 and Rabi in the State and the reconciliation process is to be completed latest by AGENDA NO.10 Finance to Handicrafts Sector Silpi Unnati Yojana (SUY): Margin money assistance is provided to individual 20% of the project cost (up to Rs.1,00,000 in seven crafts and upto Rs 50, in rest 43 crafts ) per artisan to avail bank loan for setting-up of own handicraft production unit. The eligible applications are processed for sponsor to the concerned Bank Branches immediately after scrutiny by RICs/DICs. During , till date 1792 nos. of applications have been sponsored to different banks, out of which 113 no. of applications have been sanctioned and 44 no.s of applications have been returned. The Bank wise detail is placed at Annexure-28. The Bankers are requested to sanction the cases at an early date so as to facilitate release of margin money. Progress on sanction of fresh loan to Weavers/Entrepreneurs Under MUDRA Weavers Scheme. As against 6529 nos. of loan applications sponsored/collected by the Banks 2195 nos. of Weavers/Entrepreneurs have been sanctioned loan to the tune of Rs lakh. The Controlling Heads of some Banks have not submitted up to date information in this regard despite several persuasions made. The Bank wise/ district wise progress on sanction of loan to the Weavers/Entrepreneurs under MUDRA Scheme available with us is given at Annexure Settlement of pending claims towards margin money assistance and interest Subvention under WCC by NABARD. The C.G.M, NABARD, Regional Office, Bhubaneswar may offer views with regard to the present status on settlement of pending claims towards margin money assistance and interest Subvention under WCC by NABARD. 24 P a g e

28 AGENDA NO.11 Financing under Self Help Groups (SHGs) SHG Bank Linkage Bank-wise Achievement: The physical achievement is only 73.50% and financial achievement 72.91% during the period from to The bank-wise target and achievement as on is given in Annexure The banks whose financial achievement is less than 70% are as follows Andhra Bank, Bank of Baroda, Canara Bank, Dena Bank, Indian Bank, Indian Overseas Bank, Oriental Bank of Commerce, Punjab & Sind Bank, Punjab National Bank, State Bank of India, Syndicate Bank, Union Bank. Vijaya Bank, United Bank of India, Utkal Grameen Bank, ICICI Bank, Axis Bank, Federal Bank, Cooperative Bank Action Points for Banks: Organisation of Mega SamnwayaMela(Linkage cum Recovery Camp) Renewal of Cash Credit Loans Conversion of Term loans to Cash Credit loans. Sanction and Disbursement of new/repeat loans to all eligible SHGs irrespective of SHG-NPA status in the branches. Focus on achievement of branch wise target. Interest subvention submission of Claims: Despite repeated follow up Cooperative Banks are yet to participate in the interest subvention scheme for women SHGs. OSCB may indicate a date for issue of circular to CCBs and ensure data compilation and data uploading in NRLM portal. In Category- I, only 10 banks have claimed for the FY (Bank of India, Bank of Baroda, Utkal Grameen Bank, Union Bank, Odisha Gramya Bank, Allahabad Bank, Indian Bank, State Bank of India, Punjab National Bank & Central Bank of India). In Category-II, the NEFT rejected cases are very high and banks need to reconcile the same and submit the necessary information for rectification. Action points for Banks Concerned Banks has to submit the claims in Category-I districts. Concerned Banks who have received the claim amount have to share the Utilization certificate as well as SHG wise list. Concerned Banks have to reconcile the NEFT rejected cases in the Category-II districts All Banks should charge 7% rate of interest in Category-I districts. 25 P a g e

29 OLM as Corporate BC: BC/CSP in position SBI(39), OGB(83) BC/CSP proposed- UGB(48),OGB(81),SBI(18) The active CSPs of SBI have started earning commission & we have received commission from SBI LHO of Rs 1.07 lakhs till month of Dec Action points for Banks OLM has requested Bank of India, Allahabad Bank, Canara bank & Axis Bank to engage OLM as Corporate BC but so far we have not received any confirmation in this regard from their end. Unbanked GPs where internet connectivity is not available, in those locations V- SAT connection may be provided by concerned Bank/NABARD for smooth functioning. KYC Verification of SHG Members Reserve Bank of India vide their letter FIDD.GSSD.CO.NO.2248/ / have clarified that the collection of information on individual members must not be made a precondition for opening the savings account of the SHG. It is requested to Controlling Heads of Banks to instruct to branches under their jurisdiction and ensure compliance of the intents of the circular. PMEGP The performance report under PMEGP as on Achievement against enhancement of tentative target under PMEGP in the year The State Level Bankers Committee (SLBC) and the Khadi & Village Industries Commission (KVIC) have already communicated the enhancement tentative district wise and bank wise target under PMEGP for the year Further to that, it has also informed that the said target have to be achieved by It is observed that against the Target of Margin Money utilization of Rs lakhs, an amount of Rs lakhs has been utilized as on , which is % of the target. The Banks are requested to speed up the process of sanction so that the target can be achieved. The Bank wise and District wise target and achievement is given in the Annexure P a g e

30 National Urban Livelihood Mission (NULM) As reported by banks, against the physical target of 3000 for SEP-I, 243 for SEP-G & 2470 for SEP-BL, banks have sanctioned and disbursed 1629, 187 and 1261 number respectively as on 05 th Feb Detailed Report is available at Annexure -32. Joint Liability Group (JLG) Total amount disbursed for the period to is Rs crore in accounts and balance outstanding as on is Rs crore in accounts. Bank wise achievement as on is given in Annexure 33. Artisan Credit Card (ACC) During the period of to , the Banks in the State have issued 470 no. of Artisan Credit Cards involving total amount of Rs crore. The balance outstanding as on is Rs crore against 6594 accounts. The Bank wise achievement is furnished in Annexure 34. Swarozgar Credit Card (SCC) 2065 SCCs have been issued for the period to amount Rs Crore. The balance outstanding as on is Rs against accounts. No SCC has been issued by Private Sector Banks and a few Public Sector Banks. The performance of other Banks is not at all impressive and needs lot of improvement. The Bank wise achievement is furnished in Annexure 35. Financing under SC/ST Schemes:- The representative of Odisha Schedule Casts & Schedule Tribe Development Finance Co- Operative Corporation limited (OSCSTDFCC Ltd) informed that During the financial year , the Corporation had fixed target for financing Sch. Caste families through 2100 Self Help Groups, 5300 Sch. Tribes through individual and SHGs under Credit Linked Income Generating Schemes through Banks. It has also been decided to finance SC individual applications during where group applications are not available but the individuals should not be more than 30% of total target of a district. The sector-wise target fixed and achievement made during (upto ) is given below. 27 P a g e

31 Sl Name of the Sector Target fixed by OSFDC No. of SHG No. of Benef No. of SHG No.of applications Sponsored No.of Indiv. Appln Total Benef No. of SHG No.of applications Sanctioned No. of Indv. Appln Total Benef No. of SH G Applications Disbursed No. of Indv Appl n (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) ( SC Sector ST (DTDP) Total Benef Subsidy Amount disbursed Bank Loan (14) (15) Target has not been distributed TOTAL The district wise achievement under SC Sector is given in Annexure 36. AGENDA NO 13 Education Loan All Commercial Banks have disbursed Rs Crore in accounts during to The balance outstanding as on is Rs Crore in accounts. The Bank wise performance is available at Annexure 37. Outstanding Disbursement As on No. of Accounts Balance Outstanding (Crore) No. of Accounts Amount (Crore) Kalinga Sikhya Sathi Yojana (KSSY) During the Period from to , 1549 no. of accounts amounting Rs Crore has been sanctioned under the income group up to 4.50 lacs and 331 no. of accounts amounting Rs Crore has been sanctioned under the income group from 4.50 lacs to 6.00 lacs. The Bank wise achievement under KSSY is given in Annexure P a g e

32 Govt. has made certain amended in the KSSY Scheme with regard to recognition of NPA and inclusion of all courses pursued in all educational institutions for which the Government of India interest subvention is applicable as per the CSIS scheme to provide interest subsidy, all Controlling Head of Banks are requested to sensitize their Staff members and sanction the loans under KSSY Scheme in large numbers. AGENDA NO.14 Housing Loan All Commercial Banks have disbursed Rs Crore in accounts during to The balance outstanding as on is Rs crore in accounts. Outstanding (Amount in Rs Crore) Disbursement As on No. of Accounts Balance outstanding No. of Accounts Amount Bank wise performance as on is available at Annexure 39. AGENDA NO.15 RSETI As on , Rural BPL/NRLM target group youth have been trained against annual target of as on 31st March 2018 (achievement 88%) The overall number of candidates trained as on is against annual target of achievements 79% Bank wise performance under BPL as on is as follows: BANK BOI RUDSETI CBI SBI ANDHRA BANK UCO BANK % of Achievement P a g e

33 The percentage of candidates settled as on (cumulative) is 70 % against National Average of 66% The percentage of candidates settled with bank finance as on (cumulative) is 50 % against National Average of 45%. The details are given in Annexure-40. STATUS OF INFRASTRUCTURE IN RSETI Issuance of permissive possession letter is pending in Puri District Land is yet to be allocated to Cuttack and Dhenkanal District. 11 number of RSETIs the building construction has been completed. 12 number of RSETI the construction is in progress. 3 RSETI, the construction has not yet started. Physical Possession yet to be given in respect of Angul District. AGENDA NO.16 Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Scheme Progress made by Banks since SIDBI, Bhubaneswar has given the following information on CGTMSE Coverage in our state (Year wise). At the end of the year Proposals covered during to No. of Accounts Amount in Rs. Crore State wise Report on Guarantee approved from to indicates that Odisha ranks 8 th among all the States in India in respect of approved amount under the guarantee scheme of CGTMSE. Bank wise and District wise CGTMSE coverage approval for the period to is available at Annexure P a g e

34 AGENDA NO.17 Implementation of Prime Minister s New- 15 Point Programme for Welfare of Minorities Progress / Achievement made for Financing under Minority Communities. Ministry of Finance, Govt. of India has advised that the share of credit flow to minority communities of Public Sector Banks (PSB) should be 15% of the Priority Sector Advances. During to , the Banks have extended credit of Rs crore to beneficiaries of minority community. The outstanding balance as on is Rs crore in accounts. Bank wise performance is available at Annexure 42. AGENDA NO.18 Disposal of loan applications under various Govt. schemes is available at Annexure 43. SLBC has already shared bank wise and branch wise pending list of sponsored loan applications under different Government Scheme with request to dispose all loan applications as per time norm. No application should be kept pending beyond the stipulated time line for sanction of loan applications. Ineligible cases may be returned to the concerned sponsoring Government departments with valid reasons. AGENDA NO.19 Implementation of COIR UDYAMI YOJANA of Coir Board. The Central Sector Scheme Coir Udyami Yojana (earlier known as REMOT Scheme) has been under implementation during the XI Five Year Plan period. This flagship scheme of Coir Board provides for financial assistance to the tune of 40% of the investment in Building and Plant & Machinery for setting up of coir production units. The remaining amount towards investment is funded through term loan (55%) from Banks and financial institutions and 5% through beneficiary contribution. The Scheme was revamped during the XII Plan period with enhancement in investment ceilings to Rs lakhs per unit and provision to extend Market Support Assistance to the beneficiaries. The modified Scheme envisages the provision for working capital, as a composite loan from the lending institutions, which shall not exceed 25% of the project cost. The revamped scheme has been under implementation during the period from P a g e

35 (1) Review of implementation of Coir Udyami Yojana (CUY) during During the current fiscal year a budgetary outlay of Rs Crores has been earmarked by the Central Government for setting up of 450 coir units under Coir Udyami Yojana. Out of this total allocation and physical targets, an outlay of Rs lakhs towards setting up of 30 numbers of units has been envisaged for Odisha State. So far the Board has released an amount of Rs lakhs to the banks as subsidy for assisting 9 coir units under the Scheme. Bank-wise details of subsidy released under the Scheme during are enclosed at Annexure-44. The Board is yet to achieve both the physical target allocated for Odisha. As per the information in the CUY portal of the Board, 125 applications are pending with various banks in Odisha for considering loan sanction under the Scheme. The Bank Branch wise details of CUY applications pending with the Banks are attached as Annexure-45. The Committee may give necessary directions to the Banks concerned to extend their support and cooperation to consider he Coir Udyami Yojana applications pending with them for sanctioning loan and release of first installment so as to achieve both the physical and financial targets fixed for Odisha for the current year. (2) Reconciliation of the funds released under CUY during and Coir Udyami Yojana, as per the modified operational guidelines is under implementation w.e.f. 1 st April As per the stipulations in the modified operational guidelines of the Scheme, the Coir Board has executed MoU with the State Bank of India, Broadway Branch, Ernakulum on 13 th October,2014 and designated the Bank as the Nodal Bank for the disbursement of the Margin Money (subsidy), eligible to the beneficiaries of the Scheme. Accordingly, from 1 st April, 2015, the disbursement of Margin Money (Subsidy), eligible to the beneficiaries of the Scheme, has been made to the various Financing Bank Branches, through SBI, Broadway Branch. Since 1 st April, 2015, the Board has released a total of Rs.2.40 crores to the Banks in Odisha for assisting 108 coir units through SBI, Broadway Branch. Bank-wise details of subsidy released under CUY during and are enclosed at Annexure-46. As part of mapping of all the Schemes of the Board under PFMS, the Ministry has directed the Board to operate its all accounts with a single Bank. Accordingly, the CUY Subsidy Account opened with SBI, Broadway Branch has been transferred to SBI, Ravipuram Branch. As per Clause 14 of the MoU executed, State Bank of India as the Nodal Bank shall, on a quarterly basis render accounts to the Coir Board on reconciliation of the lump sum Margin Money (subsidy) placed with them indicating the branch-wise details of number of units assisted, interest accrued, Margin Money (subsidy) admissible, Margin Money 32 P a g e

36 (subsidy) refund due to Coir Board etc. The consolidated statement beneficiary-wise shall be supported by the Loanee-wise details furnished by each branch. Since Nodal Bank could able to reconcile the funds only on receipt of the beneficiarywise details from the financing banks, the Committee may kindly give necessary directions to the Banks concerned for furnishing the beneficiary-wise reconciliation statements of the funds received under the Scheme to the SBI, Ravipuram Branch, in the prescribed format, so that they could furnish a consolidated reconciliation statement of the funds released under the Scheme during and to the Coir Board. (3) Adjustment of Margin Money (Subsidy) As per the operational guidelines of CUY, the Margin Money (Subsidy) on the actual investment in terms of capital expenditure only be retained by the Financing Bank and excess, if any, shall be refunded to Coir Board through the CUY SB Account opened with the Nodal Bank, immediately, after the project is ready for commencement of production. The projects shall be completed within six months from the release of loan by the Financing Bank. The Margin Money (subsidy) so transferred by the Nodal Bank to the Financing Bank shall be kept in the Term Deposit Receipt (TDR) for two years at the Financing Bank in the name of the beneficiary. No interest will be paid on the TDR. The Margin Money (subsidy) kept deposited as above shall be credited to the loan account of the beneficiary after two years, from the date of first disbursement of loan, by the bank. The Financing Bank may foreclose the loan account by appropriating the Government Subsidy after the said lock in period of two years after joint physical verification. The matter has already been conveyed to all the financing bank branches and requested them to adjust the subsidy to the beneficiary s loan account only after conducting joint physical verification by the Coir Board and the Bank. The Field Offices of the Board have already given instructions to conduct the physical verification of the units assisted during the last two years in association with the financing banks and upload the photographs of the units in the e-tracking system. They have also advised to give instructions to the financing banks to adjust the subsidy to the loan account of the beneficiaries, who have fulfilled all the parameters of the Scheme or otherwise refund the subsidy to the CUY SB Account No with the State Bank of India, Ravipuram Branch. The Banks may be requested to co-operate with the Field Offices of the Board for conducting the joint physical verification for adjusting the subsidy released under the Scheme. (4) Reconciliation of subsidy released under the pre-revised Scheme of CUY (REMOT) The Coir Board has released a total amount of Rs lakhs to different designated banks in Odisha under the REMOT Scheme during XI & XII Plan period (Upto ) for assisting 259 units. Bank wise details are as follows: 33 P a g e

37 Sl.No Name of Bank Amount (Rs. Units in Lakhs) 1 Bank of Baroda Canara Bank Central Bank of India Indian Bank Indian Overseas Bank State Bank of Travancore UCO Bank Total Even after repeated requests the banks have not furnished the beneficiary wise reconciliation statements in the prescribed format. The banks may be requested to furnish the details as required by the Board. Since the scheme is proposed to be merged with PMEGP all the reconciliations have to be done urgently. A detailed statement of the fund released to different banks is enclosed as Annexure 47. AGENDA NO.20 Calendar of Programme for conducting SLBC Meetings SLBC Convenor Banks have been advised by RBI to prepare a yearly Calendar of Programme in the beginning of the year for convening SLBC meetings and to adhere to the schedule as per the Calendar of Programme. The detail is furnished in Annexure-48. Date of holding SLBC Meetings Quarter ended March (Tuesday) Quarter ended June (Thursday) Quarter ended September (Wednesday) Quarter ended December (Saturday) In this connection, all will appreciate to note that the Calendar of Programme was conceived so as to enable members of SLBC and important functionaries to have adequate notice of the meeting and block the dates to ensure participation in the meeting. Timely submission of error free data to SLBC It is observed that some banks are not providing data in time to SLBC which results in non-compilation / updating of data and correct data is not reflected in the meetings. Banks should ensure that correct data are provided to SLBC in time to enable the later to present the same in the meetings for review. 34 P a g e

38 Passing of Instructions to Branches Taking into consideration, the feedback received by SLBC from different sources, it is requested to the Controlling Heads of all banks to ensure that all instructions from Government of India, State Government, RBI, NABARD and SLBC reach the branches in time for implementation of various programmes / Schemes. Improving infrastructure and strengthening of staff at LDM Offices The Department of Financial Services, Ministry of Finance, Government of India and Reserve Bank of India has been stressing for the need to improve the infrastructure at LDM offices and strengthen the Office of LDM with the required staff, vehicle, Internet facility etc. to enable the LDM to discharge the duties effectively. Some of the District Collectors have opined that due to lack of required staff at LDM offices is affecting the functioning of the LDM. Controllers of the Lead Banks are requested to provide adequate staff to strengthen the LDM s office. 35 P a g e

39 Sl Branches Fixed Location Banking through BC visits every week Banking through BC visits once in a fortnight Banking through BC visits more than once in a fortnight BCs-sub total = Annexure - 1 Roadmap for providing banking services in every village having population below Progress as on Name of State/UT: ODISHA Out of Roadmap prepared for less than 2000, No. of villages where banking outlet opened upto the end of the reporting Quarter Name of the Bank No. of URCs allotted UCO Bank Andhra Bank Axis Bank Bank of Baroda Bank of India Central Bank of India Dena Bank HDFC Bank ICICI Bank IDBI Bank Indian Bank IndusInd Bank Indian Overseas Bank Odisha Gramya Bank Punjab National Bank Utkal Grameen Bank Union Bank of India State Bank of India Syndicate Bank Federal Bank Canara Bank Allahabad Bank Oriental Bank of United Bank of India TOTAL BC Other modes Grand Total = %ge of Achievement

40 Name of State/UT: ODISHA Sl Name of the District Fixed Locations Banking through BC visits every week BC Banking Banking through through BC BC visits more than visits once in a once in a fortnight fortnight BCs-sub total = ANGUL BALASORE BARGARH BHADRAKH BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHORDHA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH TOTAL Annexure - 1 Roadmap for providing banking services in every village having population below Progress as on Out of Roadmap prepared for less than 2000, No. of villages where banking outlet opened upto the end of the reporting Quarter No. of URCs allotted Branches Other modes Grand Total = %ge of Achievement

41 PRADHAN MANTRI JAN DHAN YOJNA PROGRESS REPORT ON NO. OF ACCOUNTS OPENED UNDER PMJDY : UP TO NAME OF STATE: ODISHA Annexure - 2 NO OF ACCOUNTS OPENED SR.NO. BANKS E-KYC WITHOUT AADHAAR SUB TOTAL TOTAL RURAL URBAN RURAL URBAN RURAL URBAN (RURAL+URBAN) 1 PSBs 985, ,673 6,376,222 3,053,372 7,361,738 3,632,045 10,993,783 2 SPONSORED RRBs ,582,789 50,655 1,582,824 50,878 1,633,702 3 PRIVATE SECTOR BANKS 85,220 25, , , , , ,406 4 TOTAL (1+2+3) 1,070, ,513 8,138,646 3,429,961 9,209,417 4,034,474 13,243,891

42 SL NO NAME OF THE BANK RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN RURAL URBAN 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Axis Bank Ltd Bandhan Bank City Union Bank Ltd DCB Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnataka Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd YES Bank Odisha Gramya Bank Utkal Grameen Bank Orissa State Co-Op. Bank TOTAL E-KYC WITHOUT AADHAAR PRADHAN MANTRI JAN DHAN YOJNA PROGRESS REPORT ON NO. OF ACCOUNTS OPENED UNDER PMJDY : UP TO NO OF ACCOUNTS OPENED TOTAL NAME OF STATE:ODISHA NO. OF PMJDY TOTAL DEPOSIT OF ACCOUNTS PMJDY ACCOUNTS WITH ZERO TOTAL (Lacs) BALANCE AADHAAR SEEDED ACCOUNTS RUPAY CARD ISSUED RUPAY CARD ACTIVATED Annexure - 2 PASSBOOKS ISSUED

43 Annexure - 3 Number of Households having Basic Savings Bank Deposit Accounts(BSBDA) as on Sl.No DistrictName BSBD A/Cs Opened RuPay Cards Issued % of Rupay Card Issued to BSBD A/Cs No Of BSBD A/Cs With Aadhaar No Aadhaar Seeding % 1 ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH Grand Total

44 Annexure - 3 Number of Households having Basic Savings Bank Deposit Accounts(BSBDA) as on Sl.No BankName BSBD A/Cs Opened RuPay Cards Issued % of Rupay Card Issued to BSBD A/Cs No Of BSBD A/Cs With Aadhaar No Aadhaar Seeding % 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Bank Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRBs Total of Commercial Banks

45 Performance of Banks under Social Security Schemes as on Annexure - 4 Pradhan Mantri Suraksha Bima Yojana - PMSBY Pradhan Mantri Jeevan Jyoti Bima Yojana - PMJJBY Atal Pension Yojana - APY Sl BANKS Urban Rural Total Total Urban Rural Total Total Urban Rural Total Total Male Female Male Female Male Female Lives Male Female Male Female Male Female Lives Male Female Male Female Male Female Lives 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Axis Bank Ltd Bandhan Bank City Union Bank Ltd DCB Federal Bank HDFC Bank ICICI Bank IndusInd Bank Karnataka Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd YES Bank Odisha Gramya Bank Utkal Grameen Bank Orissa State Co-Op. Bank TOTAL

46 Insurance Claim Pending Status under PMJDY, PMSBY & PMJJBY as on Annexure - 5 SL Bank Name RuPay Debit Card (Rs 1,00,000/-) PMJJBY (Rs 2,00,000/-) PMSBY (Rs 2,00,000/-) Life Insurance - PMJDY (Rs 30,000/-) Claimed Settled Rejected Pending Claimed Settled Rejected Pending Claimed Settled Rejected Pending Claimed Settled Rejected Pending 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Axis Bank Ltd Bandhan Bank City Union Bank DCB Ltd Federal Bank HDFC Bank ICICI Bank IndusInd Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Laxmi Vilas Bank Standard Chartered The South Indian Bank Yes Bank Odisha Gramya Bank Utkal Grameen Bank TOTAL

47 Category wise performance under Pradhan Mantri MUDRA Yojana (PMMY) from to Annexure - 6 Amount in Crores Category Shishu (Loans up to Rs. 50,000) Kishore (Loans from Rs. 50,001 to Rs Lakh) Tarun (Loans from Rs to Rs Lakh) Total No Of A/Cs Sanctioned Amt Disbursement Amt Outstanding Amt No Of A/Cs Sanctioned Amt Disbursement Amt Outstanding Amt No Of A/Cs Sanctioned Amt Disbursement Amt Outstanding Amt No Of A/Cs Sanctioned Amt Disbursement Amt Outstanding Amt General SC ST OBC TOTAL Out of above Women Enterpreneurs New Enterpreneurs / Accounts Minority PMJDY OD Account Mudra card NULM NRLM Other Govt. Sponsored Prog

48 District District wise performance under Pradhan Mantri MUDRA Yojana (PMMY) from to Shishu Kishore Tarun Total Annexure - 6 Amount in Crores No Of A/Cs Sanctioned Amt Disbursement Amt No Of A/Cs Sanctioned Amt Disbursement Amt No Of A/Cs Sanctioned Amt Disbursement Amt No Of A/Cs Sanctioned Amt Disbursement Amt Angul Balangir Balasore Bargarh Bhadrak Boudh Cuttack Deogarh Dhenkanal Gajapati Ganjam Jagatsinghpur Jajpur Jharsuguda Kalahandi Kandhamal Kendrapara Keonjhar Khordha Koraput Malkangiri Mayurbhanj Nabarangpur Nayagarh Nuapada Puri Rayagada Sambalpur Sonepur Sundargarh Other Total

49 Annexure - 6 Bank wise performance under Pradhan Mantri MUDRA Yojana (PMMY) from to Shishu Kishore Tarun Total (Amt. in Crores) Bank / Financial Institution (Loans up to Rs. 50,000) (Loans from Rs. 50,001 to Rs Lakh) (Loans from Rs to Rs Lakh) Disbursement Disbursement Disbursement Disbursement No Of A/Cs Sanction Amt No Of A/Cs Sanction Amt No Of A/Cs Sanction Amt No Of A/Cs Sanction Amt Amt Amt Amt Amt Public Sector Commercial Banks State Bank of India Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab National Bank Syndicate Bank Union Bank of India United Bank of India Punjab & Sind Bank UCO Bank Vijaya Bank IDBI Bank Limited Total Private Sector Commercial Banks Federal Bank Karnataka Bank Karur Vysya Bank Ratnakar Bank ICICI Bank Axis Bank IndusInd Bank Yes Bank HDFC Bank DCB Bank Kotak Mahindra Bank Bandhan Bank Total Foreign Banks Citibank Total Regional Rural Banks Odisha Gramya Bank Utkal Grameen Bank Total Micro Finance Institutions NON NBFC-Micro Finance Institutio Total NBFC-Micro Finance Institutions Annapurna Microfinance Pvt. Ltd Village financial services pvt ltd Muthoot microfin ltd Samasta Microfinance Limited Jagaran Microfin Pvt. Ltd Spandana sphoorty financial limited Share microfin limited Asmitha microfin limited Belstar investment and finance priv Svatantra Microfin Private Limited Janalakshmi financial services limit Satin Creditcare Network Limited Asirvad microfinance pvt. Ltd Fusion microfinance pvt. Ltd Arohan financial services pvt. Ltd Sks microfinance limited Total Non Banking Financial Companies Reliance Capital Ltd Capital First Limited Total Small Finance Banks Suryoday Micro Finance Limited Ujjivan Small Finance Bank Total Grand Total

50 DBT - LPG Status of Odisha as on Annexure - 7 Sl No District No. of Distributors No. of LPG Consumers LPG Aadhaar Seeding % LPG Aadhaar Seeding Bank Aadhaar Seeding (ATC) % Bank Aadhaar Seeding (ATC) BTC Count Bank Account Seeding Verified (BTC) Overall % CTC (ATC+BTC) Overall CTC (ATC+BTC) Overall 1 ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHORDHA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH Total

51 Annexure - 8 Name of the District Total Enrolments % Population Population from 5 Population Total Aadhaar UID% on Balance Aadhaar Sl District Population Enrolments on Population below 5 years years to 18 years above 18 years Generated Population to be Generated 1 ANGUL BALASORE BARGARH BHADRAKH BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHORDHA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH Total Aadhaar Generation Report as on

52 No. of Branches Total Deposit Advance Utilized in The State Advance Sanctioned & Utilized in the State Total P.S. Advance Total Finance to Agril Advance to MSME Advance to Services Sector Total Adv. to Weaker Section Total Adv. to DRI Advance to Women Total Adv. to SC/ST Investment In state govt. Bonds BANKING KEY INDICATOR AS ON Annexure - 9 Amount in Crores Sl No. Name of Bank 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs RIDF(NABARD) Total Commercial Banks Orissa State Co-Op. Bank Total of Co-operative bank GRAND TOTAL

53 No. of Branches GROSS NPA % of NPA to Total Advance CD Ratio % of P.S Adv to Total Adv % of Agril Finance to Total Advance % of Adv. To Weaker Section to PS Adv. % of DRI Advance to Total Advance % of Advance to Women to Total Advance Creadit & Investment/Deposi t ratio BANKING KEY INDICATOR AS ON Annexure - 9 Amt.in Crores Sl No. Name of Bank 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs RIDF(NABARD) Total Commercial Banks Orissa State Co-Op. Bank Total of Co-operative bank GRAND TOTAL

54 Sl No. No. of Branches Deposit Advance CD Ratio No. of Branches Annexure - 10 BANK-WISE & AREA WISE DEPOSITS ADVANCES & CD RATIO AS ON (Amt. in Crores) Name of Bank Rural Semi Urban Deposit Advance CD Ratio 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs RIDF(NABARD) Total Commercial Banks Orissa State Co-Op. Bank Total of Co-op Bank Grand Total

55 Sl No. No. of Branches Deposit Advance CD Ratio Total No of Branches Annexure - 10 Deposit Advance CD Ratio 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank BANK-WISE & AREA WISE DEPOSITS ADVANCES & CD RATIO AS ON Name of Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of india United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs RIDF(NABARD) Total Commercial Banks ##### Orissa State Co-Op. Bank Total of Co-op Bank Grand Total Urban Total Amt.in Crores

56 Annexure - 11 Bank Wise Branch Network as on Sl Name Of Bank Urban Semi-Urban Rural Total 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total of Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total of Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total of Commercial Banks Orissa State Co-Op. Bank OSCARD Bank Total of Cooperative Banks Grand Total

57 Annexure - 11 District Wise Branch Network as on Sl Districts Urban Semi-Urban Rural Total 1 ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH TOTAL

58 Annexure - 12 District Wise Branch Opened from to Sl Districts Urban Semi-Urban Rural Total 1 ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH Grand Total

59 Annexure - 12 Bank Wise Branch Opened from to Sl Name Of Bank Urban Semi-Urban Rural Total 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total of Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total of Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total Commercial Banks Orissa State Co-Op. Bank Grand Total

60 Bank Wise Position of ATMs as on Annexure - 13 Total no of Off Site ATMs Total no of On Site ATMs Sl No Name of the Bank Total(1+2) Rural Semi-Urban Urban Total(1) Rural Semi-Urban Urban Total(2) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total Of RRBs Total Commercial Banks Orissa State Co-Op. Bank OSCARD Bank Total of Co-operative Banks Total

61 Sl No. Name of District District Wise Position of ATMs as on Total no of Off Site ATMs Total no of On Site ATMs Semi Semi Rural Urban Total Rural Urban Urban Urban Annexure ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH Total Grand Total Total

62 Sl Bank Wise Branch Network and ATM Network in Rural Centres as on Name Of Bank Total Branches Total ATMs ATMs to Branches %age Rural Branches Rural Branches to Total Branches %age Rural ATMs Annexure - 14 Deficit (Rural ATMs - Rural Branches) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBs Commercial Banks Orissa State Co-Op. Bank OSCARD Bank Cooperative Banks TOTAL

63 ACP FOR THE QUARTER ENDED DEC'17 Term Loan Allied Advance Annexure - 15 Sl DISTRICTS Crop Loan Water Resources Farm Mechanisation Plantation Horticulture & Forestry & Wasteland Dev. AH-Dairy AH-Poultry AH - Sheep /Goat/ Piggery T A % T A % T A % T A % T A % T A % T A % T A % 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 25 DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 35 The South Indian Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 36 Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Regional Rural Banks Commercial Banks Orissa State Co-Op. Bank TOTAL

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

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

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

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

68 ACP FOR THE QUARTER ENDED DEC'17 Term Loan Allied Advance Annexure - 15 Sl DISTRICTS Crop Loan Water Resources Farm Mechanisation Plantation & Horticulture Forestry & Wasteland Dev. AH-Dairy AH-Poultry AH - Sheep/Goat/ Piggery Fishery T A % T A % T A % T A % T A % T A % T A % T A % T A % 1 ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH #DIV/0! DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH TOTAL

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

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

71 ACP FOR THE QUARTER ENDED DEC'17 Annexure - 15 Sl DISTRICTS Total MSME Export Credit Education Housing Renewable Energy Others Social Infra TOTAL T A % T A % T A % T A % T A % T A % T A % T A % 1 ANGUL 2 BALASORE 3 BARGARH 4 BHADRAK 5 BOLANGIR 6 BOUDH 7 CUTTACK 8 DEOGARH 9 DHENKANAL 10 GAJAPATI 11 GANJAM 12 JAGATSINGHPUR 13 JAJPUR 14 JHARSUGUDA 15 KALAHANDI 16 KANDHAMAL 17 KENDRAPARA 18 KEONJHAR 19 KHURDA 20 KORAPUT 21 MALKANGIRI 22 MAYURBHANJ 23 NABARANGPUR 24 NAYAGARH 25 NUAPADA 26 PURI 27 RAYAGADA 28 SAMBALPUR 29 SONEPUR 30 SUNDARGARH TOTAL #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

72 Sl Bank Name NPA Position as on under various sectors Priority Sector Advance Outstanding NPA Outstanding NPA Outstanding Amt Amt % of NPA to total Outstanding Non-priority Advance Amt Amt % of NPA to total Outstanding Amt Amt Annexure - 16 Amt in Crores Total Advance NPA % of NPA to total Outstanding 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank #DIV/0! Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank #DIV/0! The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total Commercial Banks Orissa State Co-Op. Bank Total of Co-operative Banks Grand Total

73 NPA Position as on under various sectors Short Term Crop Loan Agriculture Term Loans Allied Activities Advances Annexure - 16 Amt in Crores Total Agriculture Advance(Direct) Outstanding NPA Outstanding NPA Outstanding NPA Outstanding NPA Sl Bank Name Amount Amount % of NPA to total Outstanding Amount Amount % of NPA to total Outstanding Amount Amount % of NPA to total Outstanding Amount Amount % of NPA to total Outstanding 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra #DIV/0! #DIV/0! Canara Bank Central Bank of India Corporation Bank #DIV/0! Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank #DIV/0! #DIV/0! City Union Bank #DIV/0! DCB Bank Ltd #DIV/0! Federal Bank HDFC Bank ICICI Bank #DIV/0! Indus Ind Bank #DIV/0! Karnatak Bank Ltd #DIV/0! Karur Vysya Bank #DIV/0! Kotak Mahindra Bank Ltd Laxmi Vilas Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! 34 Standard Chartered Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! 35 The South Indian Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! 36 Yes Bank #DIV/0! #DIV/0! Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total Of RRBs Total Commercial Banks Orissa State Co-Op. Bank Total of Co-operative Banks GrandTotal

74 Sl Bank Name NPA Position as on under various sectors Outstanding NPA Outstanding NPA Outstanding NPA Outstanding Amt Amt % of NPA to total Outstanding Amt Amt % of NPA to total Outstanding Amt Amt % of NPA to total Outstanding Amt Amt Annexure - 16 Amt in Crores MSME Sector Advance Education Loan Advance Housing Loan Advance Other Priority Sector Advance % of NPA to total Outstanding 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra #DIV/0! 6 Canara Bank #DIV/0! 7 Central Bank of India Corporation Bank #DIV/0! 9 Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank NPA Total Public Sector Banks Axis Bank Ltd Bandhan Bank #DIV/0! City Union Bank #DIV/0! #DIV/0! 25 DCB Bank Ltd Federal Bank #DIV/0! HDFC Bank ICICI Bank Indus Ind Bank #DIV/0! #DIV/0! Karnatak Bank Ltd #DIV/0! #DIV/0! Karur Vysya Bank #DIV/0! #DIV/0! #DIV/0! Kotak Mahindra Bank Ltd #DIV/0! #DIV/0! Laxmi Vilas Bank #DIV/0! #DIV/0! #DIV/0! Standard Chartered Bank #DIV/0! #DIV/0! #DIV/0! The South Indian Bank Ltd #DIV/0! #DIV/0! #DIV/0! Yes Bank #DIV/0! #DIV/0! Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total Of RRBs Total Commercial Banks Orissa State Co-Op. Bank #DIV/0! Total of Co-operative Banks Grand Total #DIV/0!

75 NPA Position as on under various sectors Annexure - 16 Amt in Crores SHG PMRY PMEGP NULM WCC DRI Sl No. Bank Name NPA NPA NPA NPA NPA Outstanding Outstanding Outstanding Outstanding Outstanding Outstanding NPA % of NPA to total % of NPA to total % of NPA to total % of NPA to total % of NPA to total % of NPA to total Amount Amount Amount Amount Amount Amount Amount Amount Amount Amount Amount Amount Outstanding Outstanding Outstanding Outstanding Outstanding Outstanding 1 Allahabad Bank Andhra Bank Bank of Baroda #DIV/0! Bank of India #DIV/0! #DIV/0! #DIV/0! Bank of Maharastra #DIV/0! 0 0 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 6 Canara Bank Central Bank of India Corporation Bank #DIV/0! #DIV/0! #DIV/0! Dena Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! IDBI Bank #DIV/0! Indian Bank #DIV/0! Indian Overseas Bank Oriental Bank of Commerce #DIV/0! #DIV/0! 14 Punjab & Sind Bank #DIV/0! 0 0 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 15 Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India #DIV/0! United Bank of India #DIV/0! Vijaya Bank #DIV/0! 0 0 #DIV/0! #DIV/0! #DIV/0! Total Public Sector Banks Axis Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! Bandhan Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 24 City Union Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 25 DCB Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 26 Federal Bank #DIV/0! #DIV/0! #DIV/0! 27 HDFC Bank #DIV/0! #DIV/0! #DIV/0! 28 ICICI Bank #DIV/0! #DIV/0! #DIV/0! 29 Indus Ind Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 30 Karnatak Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 31 Karur Vysya Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 32 Kotak Mahindra Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 33 Laxmi Vilas Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 34 Standard Chartered Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 35 The South Indian Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 36 Yes Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! Total Private Sector Banks #DIV/0! Odisha Gramya Bank #DIV/0! Utkal Grameen Bank #DIV/0! #DIV/0! #DIV/0! Total Of RRBs #DIV/0! Total Commercial Banks Orissa State Co-Op. Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! Total of Co-operative Banks #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! GrandTotal

76 PARTICULARS OF CASES FILED WITH COMPETENT AUTHORITY UNDER THE PROVISION OF OPDR ACT AS ON Annexure - 17 Sl No. Name of Bank No. of cases pending at the beginning of the year No. of cases filed from to No. of cases settled from to (Amt in Crores) Cases pending at the end of the quarter A/c Amt A/c Amt A/c Amt A/c Amt. A/c Amt A/c Amt. A/c Amt < 1yr. Pending Age-wise 1-3 yr. > 3 yr. 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total of Commercial Banks Orissa State Co-Op. Bank GRAND TOTAL

77 Annexure - 17 PARTICULARS OF CASES FILED WITH COMPETENT AUTHORITY UNDER THE PROVISION OF ORISSA AGRICULTURE CREDIT OPERATION & MISC PROVISION(BANKS) ACT AS ON (Amt in Crores) Pending Age-wise Sl No. Name of Bank No. of cases pending at the beginning of the year No. of cases filed from to No. of cases settled from to Cases pending at the end of the quarter < 1yr. 1-3 yr. > 3 yr. A/c Amt A/c Amt. A/c Amt A/c Amt. A/c Amt A/c Amt. A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total of Commercial Banks Orissa State Co-Op. Bank Total of Co-operative Bank GRAND TOTAL

78 Annexure - 17 District Wise Breakup of Pending Cases under OPDR and OACO & MPBA as on (Amt in Crores) Sl.No DistrictName Under OPDR Under OACO & MPBA A/C Amt A/C Amt 1 ANGUL BALASORE BARGARH BHADRAK BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH Total

79 Annexure - 18 District Wise number of Applications for attachment of Property under Section 14 of SARFAESI pending with District Magistrate as on Sl Districts Applications Amount Applications Amount Sl Banks Pending (Lakhs) Pending (Lakhs) 1 Khurda Corporation Bank Cuttack Indian Overseas Bank Sundargarh Punjab National Bank Balasore UCO Bank Jagatsinghpur Bank Of Baroda Ganjam Bank of India Keonjhar Syndicate Bank Jharsuguda Odisha Gramya Bank Puri United Bank of India Kalahandi HDFC Bank Sambalpur Allahabad Bank Bargarh State Bank of India Jajpur Indian Bank Nayagarh Central Bank of India Mayurbhanj Andhra Bank Dhenkanal Union Bank Bolangir Bank of Maharastra Angul Canara Bank Gajapati IDBI Bank Kendrapara TOTAL Bhadrak Boudh Deogarh Koraput Rayagada TOTAL

80 Sl. No. Credit Flow to Micro Small Medium Enterprises(MSME)Sectors from to Name of Bank No.Of Branches Annexure - 19 Amt.in Crores Micro Enterprises Small Enterprises Medium Enterprises Total MSME Sector A/C Amt A/C Amt A/C Amt A/C Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs Total Commercial Banks Orissa State Co-Op. Bank Grand Total

81 Annexure - 19 Credit Flow to Micro,Small & Medium Enterprises(MSME)Sectors-Balance Outstanding as on Amount in Crores Sl. No. Name of Bank A/C Amt A/C Amt A/C Amt A/C Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank IndusInd Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Gramya Bank Total of RRBs Total Commercial Banks Orissa State Co-Op. Bank Grand Total No. of Branches Micro Enterprises Small Enterprises Medium Enterprises Total MSME Sector

82 Sl. No. CREDIT FLOW TO MSME(MANUFACTURING)SECTOR FOR THE QUARTER ENDED DEC 2017 Name of Bank MICRO ENTERPRISES (MANUFACTURING) No of cases Balance Outstanding disbursed SMALL ENTERPRISES (MANUFACTURING) No of cases disbursed Balance Outstanding MEDIUM ENTERPRISES (MANUFACTURING) No of cases Balance Outstanding disbursed TOTAL MSME Annexure - 19 Amount in Crores (MANUFACTURING) No of cases Balance Outstanding disbursed A/c Amt. A/c Amt. A/c Amt A/c Amt A/c Amt A/c Amt A/c Amt A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total of Commercial Banks ##### Orissa State Co-Op. Bank Grand Total #####

83 A/c Amt. A/c Amt. A/c Amt A/c Amt A/c Amt A/c Amt A/c Amt A/c Amt Annexure - 19 CREDIT FLOW TO MSME(SERVICES)SECTOR FOR THE QUARTER ENDED DEC 2017 Amount in Crores MICRO ENTERPRISES SMALL ENTERPRISES MEDIUM ENTERPRISES TOTAL MSME Sl. No. Name of Bank (SERVICES) (SERVICES) (SERVICES) (SERVICES) SECTOR No of cases disbursed Balance Outstanding No of cases disbursed Balance Outstanding No of cases disbursed Balance Outstanding No of cases disbursed Balance Outstanding 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total of Commercial Banks Orissa State Co-Op. Bank Grand Total

84 BANK WISE PERFORMANCE UNDER STAND UP INDIA SCHEME DURING FINANCIAL YEAR UPTO DEC'17 Sl BANKS Target SC ST Target Women (General) TOTAL No Of Sanctioned Disbursement No Of Sanctioned Disbursement No Of Sanctioned Disbursement Total Target SC/ST Women No Of Sanctioned Disbursement A/Cs Amt (Crs) Amt (Crs) A/Cs Amt (Crs) Amt (Crs) A/Cs Amt (Crs) Amt (Crs) A/Cs Amt (Crs) Amt (Crs) 1 State Bank of India Bank of Baroda Central Bank of India Andhra Bank Punjab National Bank UCO Bank Vijaya Bank Corporation Bank Bank of India Syndicate Bank United Bank of India ICICI Bank Allahabad Bank Punjab and Sind Bank Indian Overseas Bank Indian Bank Bank of Maharashtra Oriental Bank of Commerce Union Bank of India Dena Bank Canara Bank IDBI Bank Ltd RRB Odisha GB TOTAL DISTRICT WISE PERFORMANCE UNDER STAND UP INDIA SCHEME DURING FINANCIAL YEAR Annexure - 20 Sl DISTRICTS Target SC ST Target Women (General) TOTAL No Of Sanctioned Disbursement No Of Sanctioned Disbursement No Of Sanctioned Disbursement Total Target SC/ST Women No Of Sanctioned Disbursement A/Cs Amt (Crs) Amt (Crs) A/Cs Amt (Crs) Amt (Crs) A/Cs Amt (Crs) Amt (Crs) A/Cs Amt (Crs) Amt (Crs) 1 Sundargarh Khordha Rayagada Cuttack Jajpur Sambalpur Keonjhar Balasore Puri Angul Mayurbhanj Jharsuguda Bhadrakh Kalahandi Ganjam Bolangir Bargarh Kendrapara Boudh Dhenkanal Kandhamal Nayagarh Jagatsinghpur Gajapati Nabarangpur Deogarh Koraput Sonepur Nuapada Malkangiri TOTAL

85 Financing under Agriculture as on Crop Loan Agricultural Term Loan (Excl. Allied Activities) Annexure - 21 Amount in Crores Total Agricultural Term Loan Sl Name Of Bank Target ( ) Disbursement Disbursement Disbursement Balance Outstanding as Balance Outstanding as ( to on Target ( to Target ( to on ) ( ) ) ( ) ) No Amt No Amt No Amt No Amt No Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total Commercial Banks Orissa State Co-Op. Bank Grand Total

86 Sl FINANCING UNDER KISSAN CREDIT CARD SCHEME UP TO Name of Bank Annexure - 22 A/c Amt. A/c Amt A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Ltd Federal Bank HDFC Bank ICICI Bank IndusInd Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBs Commercial Banks Orissa State Co-Op. Bank TOTAL No. of KCCs issued from to Total amount disbursed in KCC(Fresh+Existing)during to (Amount in Crores) Balance O/S as on

87 Sl Name of Bank Financing under various Allied Agriculture schemes as on Dairy(Including DEDS) Poultry Fishery Others(Goatery,Piggery etc.) Disbursement Disbursement Disbursement ( to ( to ( to Disbursement ( to Balance outstanding as on Balance outstanding as on Balance outstanding as on Annexure - 23 Amount in Crores Balance outstanding as on ) ) ) ) A/c Amt. A/c Amt A/c Amt A/c Amt. A/c Amt A/c Amt A/c Amt. A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBs Commercial Banks Orissa State Co-Op. Bank TOTAL

88 Sl. No. Annexure-24 Abstract of the branch wise pending position under MPY ( ) Cases Pending Banks No. of Proposals Area (in ha.) Amt. (in Lakhs) 1 State Bank of India UCO Bank Bank of india Syndicate Bank United Bank of India Credit Co-opeative Banks Andhra Bank Union Bank Bank of Baroda Indian Bank Indian Overseas Bank Allahabad Bank Canada Bank Central Bank of India Regional Gramya Bank Punjab National Bank Axis Bank Industrial development Bank of india Oriental Bank of Commerce ICICI Bank Corporation Bank Total

89 Annexure-25 Sl. No. Abstract of the bank wise pending position on proposal as on Cases Pending Banks No. of Proposals Area (in ha.) Amt. (in Lakhs) 1 State Bank of India UCO Bank Bank of India Syndicate Bank United Bank of India Credit Cooperative Banks Andhra Bank Union Bank Bank of Baroda Indian Bank Indian Overseas Bank Allahabad Bank Canara Bank Central bank of India Regional Gramya Bank Punjab National Bank Axis Bank Dena Bank Industrial Dev. Bank of India Oriental Bank of Commerce Karnataka Bank ICICI Bank HDFC Bank Vijaya Bank Corporation Bank Federal Bank Indusind Bank Total

90 FINANCING FLORICULTURE PROJECTS IN THE STATE OF ODISHA The importance of flowers in socio-cultural and religious life of the Introduction: people of Odisha and other Indian states can hardly be exaggerated, There is a natural demand for flowers such as for worshipping gods and goddesses, decoration of pandals, vehicles, houses, greeting others, during festive occasions, marriages and so on. Though flower cultivation has been practised since long, floriculture blossomed into a viable business only in recent years. Considering the potential, this sector can generate higher income and employment opportunities as well as promote greater involvement of women, it has also been identifled as an extreme focus area for exports. Odisha rs known for growing traditional flowers like jasmine, marigold, chrysanthemum/ tuberoses and crossandras. Commercial cultivation of cut flowers like roses, orchids, gerbera and gladiolus have also become popular but in a limited scale. The area under fioriculture in Odisha is about 6500 ha with annual production of about 24,800 tonnes of loose flowers and 5335 lakh cut flowers. Our production of flowers is able to meet only 10o/o I I '4/ of our needs. We largely depend on our neighbouring states like West Bengal or Andhra Pradesh for flowers. Although qualitative data on area, production and trade is not available, the availability of flowers in all cities and growing number of florists are indicative of very high rate of growth. Hence, there is scope for cultivation of flowers that could meet the domestic requrrements, Cultivation of Flowers in open conditions: Traditional flowers like jasmine, marigold, chrysanthemurr, tul;eroses, crcssar,dras ancl giacliolus, rose, Eerbc,ia etc. are grown in open conditions. Assistance for cultivation of such flowers is provided under National Horticulture Mission the details of which are given as under: SI Crop No, 1 {, 2 3 t Cut Flower Bulbulous Flowers Loose Category of farmers Area (Ha) SF/MF 1 Others SF/MF 1 1 Total Cost Assistance from NIDH (Rs. in lakh) lakh) Others i 1.5 sf/n4f (Rs.0,4 0, ,16 in Assistance from Mission Plus (Rs. lakh) in Total Assistance (Rs, in lakh) Flowers Others Steps are beinq taken to take up for cultivation of flowers in clusters in open conditions around cities like Bhubaneswar, Cuttack, Berhampur, Sambalpur, Rourkela etc. for easy marketing,.cost involvement being low in such projects, farmers can invest on their own or through KCC/Short term loans. Cultivation of flowers in Protected Conditions: Growing flowers like Rose, Gerbera and Orchids in protected structures in the State ai'e showing encouraging results. The quality of flowers has been very good. Hence, it provides an excellent opportunity for the farmers to take up floriculture activities, Assistance to the tune of 7Ao/o of cost for erection of structures and cultivation in such structures is provided under MIDH as well as Stale Agriculture Policy, A number of farmers in the districts like Ganjam, Khurda, Cuttack, Bhadrak, Balasore, Boudh and Jharsuguda have taken up floriculture activities.

91 I i l :] There is growing awareness on the scheme and more farmers are showing their keenness to take up such cultivation, Basing on the success of such projects, Government in the Dcpartment of Agriculture and Farmers Empowerment is considering to imp{ement the scheme in a lvlission Mode, But, high cost involvement and lack of institutional financing has been the bane in implementation of the scheme. It is the time that Financing institutions should come up for financing such projects that could help in augmenting the income of the farmers of the State, Estimates indicating the cost in construction of structures and cultivation practices in such structures, projected volume of produce and returns there of for different flowers is placed herewith: A Dutch Rose: Type of Structure Greenhouse Cost of construction of lm'for 2500 mz Rs.2i,10, Cost of cultivation of Dutch Rs,426,001m2 for 2500 m2 : Rs.10,65, Workinq Capital: L.S.: Rs.5,00, Total: Rs.36,75, Total 70% of cost: Rs,22,22,500,00 Lieneficiary Contribution : Rs.14,52, In case of loan, nrarqin 10% of Proiect Cost: Rs.3.67, Rs.33,07,500,00 lolal Loan anrount to be sanctioned,rtcludinq subsioy, less nrarqin nroncy; Total Loan amount to be Rs.10r85, disbursed bv Bankl No. of 7 Plants/m I for 2500 mr Erpected yield/anum 20 flowers/plant, from ,50,000 p la nts: Expected 4.00/flower, from 3,50,000 Rs,14,00, flcwers Lrfe Period of the Structures: 20 Years Planls to be 6 Coverinq Materials to be replaced 4 Risk: Storm/Hurricane/Cyclone/Fire may damage the structures B. Gerbera: though the design can sustain wind velociw up to 120knrph of Structure Greenhouse Cost.of construclion of for 2500 m2 : Rs.21,10, Cost of cultivation of Dutch Rose: si Rs.610.0Olm) lor 2500 nr2 Rs.15,25, Workinq Capital: Rs.4,00, Total: Rs;40,35, Total 70% of cost: Rs.23,52, B_-e qe fl_c1 a1y l Q1ltf bg t i o_!._ Rs.16,83, lrl c3!_e qlloa!,_tn!.!94_llqney 100/o of Project Cost: Rs,4,03, Total Loan amount to be sanctioned Rs.36,3 1,500,00 rncluding subsidy, less margin rnoney: Total Loan amount to be disbursed by Bank: Rs.12179, No. of 6 Plants/m 2 for 2500 m2 : ,00,000 Expected 40 flowers/plant, from pla n ts: Expected 2.5O/flower, from 3,50,000 Life Penod of the Structures Plants to be replaced: Coverinq Materials to be replaced: Risk: flowers Rs,15,00, Years Every 3 years Every 4 years Storm/Hurricane/Cyclone/Fire may damage the structures though the design can sustain wind vel up to 120kmph

92 C, Orchids: Type of Structure coii oi co n itru Cti o n of!991ho1,s9 C.tt of Orchids: "frk*ation Working CaPital: Total SubsidY: neneilciary Co ntributron : In case of loan, margin molgyl totuf Loun i*o"nt to be sanctioned including subsidy, less fol lsoq I' R--0030/*' fol2sgq 70% of cos[ 1as Per State Agril. f O"Z. of Project Cost Rs,21,10, Rs,17,50, Rs.5,00,000'00 Rs.43,60, Rs.23,52, Rs.20,08, Rs.4,36, Rs.39,24,000.00,d at Total Loan amount to be disbursed by Bank: No. of Plants: fxpected Yield/Anurr : Expected Return/Anum: i-iie Periocl of the Structures: Pia'riia; be replaced: Covering Materiats to be i0 Pl.r@m' g bunchetplant, from O lzso[uurrcn, fiom 2,co,ooo itow r-r u rrrc-a nelcyclo.el Fi'e may damage the structu res though the design can sustain wind velocity up to 120kmPh ql Above estimates indicate that cultivation of such crops can be very remunearative for the farrners and farmers can be able to repay their loan in a period of 5 to 7 years' Normally, flowers bloom after 3 to 4 months of planting and earnings start coming up since then. The cost of repracement of cradding materiars for greenhouse and arso planting materials is a routine event that can be taken care hy the beneficiary out or ni; earnings. steps are being taken to provide insurance cover for structures so that "u'' beneftciarycloesnotsufferintheeventualityofanynaturalcalami\' It has been reported from different quarters that Banks are demanding 7a0o/o coliateral security on the total cost of the project for flnancing. It is difflcult for the farmers to arrange so mucrr of coilaterar as a resurt there is a setback in implementation of the scheme. Unrjer such clrcumstances, the steps to be taken by the Department and the Banks are suggested herewith that can be discussed: I.StepstobetakenbytheDirectorateofHorticultureforimplementationofthe Scheme: i) Emphasis on development of clusters for ease in transfer of technology and ir) iii) also for better marketing' Identlflcation and selection of riqht beneficiary' Traininq of beneficiary on protected cultivatlon'

93 rv) vi) vii) viii) ix) Adherence to the GoI guidelines for quality of structures' Testingofcomponenlsato'U.A'T'orCIPETforensuringquality, Ernpanelment of flrms for erection of protected structures in the state' Provicling insurance for the structures' provision of cold chain facility for improving the storabillty and transportability of the fiowers Development of marketing facility' Ministry of Agriculture and farmers welfare, Government of India has issued a clariflcation on credit linked back ended subsidy, the copy of whlch is enclosed for reference, In order to provide momentum to the implementatlon if the scheme' and in view of the clariflcation issued by Government of India, the following points are suggested that may be considered by slbc for smooth implementation and also provide an rncome generating activity to the farmers of the State: i1. i) Proposed steps for Banks Banks may consider to flnance floriculture projects for amounts inclusive of cost of the structure, cost of culuvation and working capital, but exclusive of the margin money to be deposited by the beneficiary ii) iii) Thecoiiateraisecuriiyshouidbeontheainountihebank.actualiy financing,nottheamountbeingsanctionerl,i.e.sanctionedamount - SubsidY Interest should not be charged l-un0. on the subsidy kept in the Subsidy Reserve iv)therepaymentscheduleistobedrawnontheloanamountinsuch"away that the subsidy amount is adjusted after the Bank loan portion (excluding subsidy) is liquidated Floriculture projects already established in the districts of Ganiam' Khurda' Balasore etc. have become qurte successful. A visit to such projects can eliminate doubts regarding the viability of such projects' Active participation of the Financing Institutions for promoting the cause of such projects will help in establishment of more such projects in the State ultimately helping our farmers to earn more. Besides, the projects could help in generating employment opportunitiesforalargenumberofpeople'hence,banksmayconsiderfinancinq such Projects.

94 H{l -J PATTERN OF ASSISTANCE UNDER PROTECTED CULTIVATION' ODISHA SI No Component Area CoEt/sqm Subsidy (MIDH) Subsidy (Agril Pollcy) d' I 1 Foly greenhouse with fan & pad system t Poly greenhouse (Naturally ventilated) Up to 500 m Ao/o > m2 1465, toba * 2o4o m2 &24,zo4o - 4ooo m2 r400 Uo to 500 m /o >500, m2 93s >1008 * 2040 m2 890 > m Net House /sqm 500/o ZAa/o of Rs lSqm I 20o/o 4 GH Bamboo /sqm 50o/o 20o/o 5 NH Bamboo 360.0O,rsqm 50o./o 20o/o 6 Plastic Tunnel 60.00/Sqm 500/o 7 Antibird net 35.00lsqm 500/o I Walk'in Tunnel /sqm 500/o 9 Plastlc Mulching 32000/ha 50% limited to 2 ha per beneficlary 20% of Rs; per ha v i0 Cultivation of Vegetables in GH/NH 11 Cultivation of roses/lilium in t2 GHINr-l Cultivation of Gerbera/Carnat ion in GH/NH 140,00/sqm 504/o 20Vo /sqm sa% 20o/o 600.0O/sqm 500/o 20o/o 1J Cultivation of Orfhids/Anthuri um rn GH/NH /ssqm 500/o 20o/o

95 S.no. Name of the State Data on Relief Measures extended by Banks on account of natural calamities: Statewise YEAR (NO OF ACCOUNTS IN LAKH AND AMOUNT IN RS CRORE) Name of the Bank Outstanding Outstanding eligible for reschedulement/re structuring Amount restructured/resch eduled %achievement of rescheduled/restructur ed to eligible for rescheduling/restructu ring Annexure - 27 Fresh finance/relending provided No. of No. of No. of Amt. Amt. A/cs A/cs A/cs Amt. No. of A/cs Amt. No. of A/cs Amt. 1 Odisha Allahabad Bank Odisha Andhra Bank #DIV/0! #DIV/0! Odisha Bank of Baroda Odisha Bank of India Odisha Bank of Maharastra #DIV/0! #DIV/0! Odisha Canara Bank Odisha Central Bank of India Odisha Corporation Bank Data not provided by the Bank #DIV/0! #DIV/0! 9 Odisha Dena Bank Odisha IDBI Bank #DIV/0! #DIV/0! Odisha Indian Bank #DIV/0! #DIV/0! Odisha Indian Overseas Bank #DIV/0! #DIV/0! Odisha Oriental Bank of Commerce #DIV/0! #DIV/0! Odisha Punjab & Sind Bank #DIV/0! #DIV/0! Odisha Punjab National Bank Odisha State Bank of India #DIV/0! #DIV/0! Odisha Syndicate Bank Odisha UCO Bank Odisha Union Bank Odisha United Bank of India Odisha Vijaya Bank #DIV/0! #DIV/0! Odisha Axis Bank Ltd #DIV/0! #DIV/0! Odisha Bandhan Bank #DIV/0! #DIV/0! Odisha City Union Bank #DIV/0! #DIV/0! Odisha DCB Bank Ltd #DIV/0! #DIV/0! Odisha Federal Bank #DIV/0! #DIV/0! Odisha HDFC Bank #DIV/0! #DIV/0! Odisha ICICI Bank Odisha Indus Ind Bank #DIV/0! #DIV/0! Odisha Karnatak Bank Ltd #DIV/0! #DIV/0! Odisha Karur Vysya Bank #DIV/0! #DIV/0! Odisha Kotak Mahindra Bank Ltd #DIV/0! #DIV/0! Odisha Laxmi Vilas Bank #DIV/0! #DIV/0! Odisha Standard Chartered Bank #DIV/0! #DIV/0! Odisha The South Indian Bank Ltd #DIV/0! #DIV/0! Odisha Yes Bank #DIV/0! #DIV/0! Odisha Odisha Gramya Bank Odisha Utkal Grameen Bank #DIV/0! #DIV/0! Odisha OSCB #DIV/0! #DIV/0! Total

96 Annexure -28 Bank wise report on Silpi Unnati Yojana as on for FY No. of Applications Sl Name of DIC / RIC Appln Sponsored Sanctioned Pending Returned 1 Andhra Bank Allahabad Bank Bank of India Bank of Baroda Canara Bank Central Bank of India Corporation Bank HDFC Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Odisha Gramya Bank Punjab National Bank State Bank of India Syndicate Bank Utkal Grameen Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Federal Bank Axis Bank MCCB SDCC BBCCB AUCCB TOTAL

97 Sl. No. Annexure-29 Bank wise information on MUDRA Weavers Scheme (Up to Dec'2017) Name of the Bank No. of Applications Sponsored/ Collected Rupees No. of Weavers Sanctioned loan Amount of loan Sanctioned Apllication Rejected by Bank Amount in lakh Application Pending with Banks 1 Allahabad Bank Andhra Bank Bank of Baroda DCC Bank 4 (OSCB) Bank of India Canara Bank of 6 India Central Bank of India IDBI Indian Bank Odisha Gramya 10 Bank Punjab National Bank State Bank of India Syndicate Bank United Bank of 14 India Uco Bank Union Bank of 16 India Utkal Grameen Bank Indian Overseas Bank ADB Grand Total * Source : Directorate of Textiles, Odisha

98 Finance under Weavers Credit Card as on Sl Name of Bank A/C Amt. A/C Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Annexure Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total of Commercial Banks Orissa State Co-Op. Bank TOTAL No.of cards issued from( to ) Amount in Crores Balance outstanding as on

99 Bank wise Achievement under Self Help Groups for the Quarter from to Annexure - 30 Amt in Lakhs Sl Bank Name Target (Annual) Achievement % Financial Average Balance O/S A/C Amt A/C Amt A/C Amt Loan size A/C Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Public Sector Banks Axis Bank Bandhan Bank DCB Bank Federal Bank HDFC Bank ICICI Bank IndusInd Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBs OSCB TOTAL

100 Annexure- 31 Bankwise performance under PMEGP for the year as on Sr. No. Name of the Banks Target Achievement % in achievement against target Pending at Bank for sanction Public Sector Banks No. of M.M. Projects (Rs. in lakh) Employ ment NO. of Proje cts M.M. (Rs. in lakh) Employ ment NO. of Projec ts M.M. (Rs. in lakh) Emplo yment NO. of Proje cts M.M. (Rs. in lakh) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Comm Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Private Sector Bank 22 Axis Bank Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd. Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd. Yes Bank RRBs Odisha Gramya Bank Utkal Grameen Bank Total

101 Sr. No. Annexure - 31 District wise performance under PMEGP of Odisha for the year as on Name of the District No. of Projec ts TARGET ACHIEVEMENT % in achievement aginst target M.M. (Rs. in lakh) Emp. NO. of Projects M.M. (Rs. in lakh) Emp. NO. of Projects M.M. (Rs. in lakh) Emp. 1 Angul Bolangir Balasore Bargarh Bhadrak Boudh Cuttack Deogarh Dhenkanal Gajapati Ganjam Jagatsinghpur Jajpur Jharsuguda Kalahandi Kandhmal Kendrapara Keonjhar Khurda Koraput Malkangiri Mayurbhanj Nabrangpur Nayagarh Nuapada Puri Rayagada Sambalpur Subarnpur Sundergarh TOTAL

102 Sl No Bank Name SEP-I Target Bank wise application status of 100 ULBs under DAY-NULM as on 5th Feb 2018 SEP-I Application Sponsored No of loan Disbursed Achieveme nt % SEP-G Target SEP-G Application Sponsored No of loan Disbursed Achievemen t % SHG-BL Target SHG BL Application Sponsored Annexure - 32 No of loan Disbursed Achieveme nt % 1 Allahabad Bank Andhra Bank Anugul United Central Cooperative Bank Axis Bank Balasore Bhadrak Co-Op Bank Bandhan Bank Bank of Baroda Bank of India Bank of Maharastra Bharatiya Mahila Bank Canara Bank Catholic Syrian Bank Central Bank of India Corporation Bank Cuttack Central Cooperative bank DCB Bank Ltd Dena Bank District Central cooperative bank Federal Bank HDFC Bank ICICI Bank IDBI Bank Indian Bank Indian Overseas Bank Indus Ind Bank Karnataka Bank Karur Vysya Bank KCC BANK Khurdha Central Co-op Bank Kotak Mahindra Bank Odisha Gramya Bank Orissa State Cooperative Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank SDCC Mahila Bank South Indian Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Utkal Gyanya Bank Urban Co Bank Vijaya Bank Yes Bank Grand Total

103 Sl No. Annexure - 33 Financing under Joint Liability Groups (JLG) as on Name of Bank Amt in Crore Applications Application Physical Balance Sanctioned from Disbursed from Out of which, Target Outstanding as on to to Repeat Assistance ( ) A/C A/c Amt. A/c Amt A/c Amt A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBS Commercial Banks Orissa State Co-Op. Bank TOTAL

104 Annexure - 34 PROGRESS UNDER ARTISAN CREDIT CARD AS OF Amount in Crores Disbursement made from Balance Outstanding as on Sl Name of Bank to No. A/c Amt. A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Ltd Federal Bank HDFC Bank ICICI Bank IndusInd Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total of Commercial Banks

105 Sl No. PROGRESS UNDER SWAROZGAR CREDIT CARD AS OF Name of Bank Disbursement made from to Annexure - 35 Amount in Crores Balance Outstanding as on A/c Amt. A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Ltd Federal Bank HDFC Bank ICICI Bank IndusInd Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBs Commercial Banks Orissa State Co-Op. Bank TOTAL

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107 Sl Name of Bank PROGRESS UNDER EDUCATION LOAN AS OF Loan amount less than 10 lacs Loan amount more than 10 lacs Disbursement from Balance O/S as Amount Of Disbursement from Balance O/S as Amount Of Disbursement from Balance O/S as on to on Interest subsidy to on Interest subsidy to A/C Amt A/C Amt received A/C Amt A/C Amt received A/C Amt A/C Amt Annexure - 37 Amount in Crores Amount Of Interest subsidy received 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBs Commercial Banks Orissa State Co-Op. Bank TOTAL TOTAL

108 Sl No. Performance under Kalinga Sikhya Sathi Yojana as on Name of Bank No. of A/c Disbursement made during the Current Year( to ) Income up to Rs.4.50 lac Amount sanctione d Amt disbursed Income groups Rs.4.50 lac to Rs.6.00 lac No. of A/c Amount sanction ed Amt disburs ed No. of A/c Annexure - 38 Amount in Lakhs Balance Outstanding as on Income up to Rs.4.50 lac Balance Outstandi ng Income groups Rs.4.50 lac to Rs.6.00 lac No. of A/c Balance Outstan ding 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnataka Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd YES Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Orissa State Co-Op. Bank Total of Co-ops Grand Total

109 Annexure - 39 PERFORMANCE UNDER HOUSING LOAN AS ON (Amount in Crores) Sl No. Name of Bank Disbursement made during the current year ( to ) Balance outstanding as on No of A/c Amt. No of A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI BANK Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Total of RRBs Total of Commercial Banks Orissa State Co-Op. Bank Total of Co-operative Grand Total

110 Name of Bank ) Candidates Total Settled Trained %age of Settlement Annexure - 40 Bank wise settlement and credit linkage (cumulative W.E.F to %age of Credit Linkage Andhra Bank BOI CBI RUDSETI SBI UCO TOTAL

111 Sl Name Of The District PERFORMANCE OF RSETIs IN ODISHA UNDER SETTLEMENT AND CREDIT LINKAGE AS ON Name Of RSETI Name Of Sponsor Bank Number Of Training Programmes Conducted Number Of Trainees Trained Total No. of Candidates Settled Settled under Self Employment Settled under Wage Employment Self Finance Bank Finance % Of Settlement Annexure - 40 % Of Credit Linked 1 Ganjam Ganjam Andhra Bank Gajapati Gajapati Andhra Bank Mayurbhanj Mayurbhanj Bank of India Keonjhar Keonjhar Bank of India Deogarh Deogarh Central Bank of India Khordha RUDSETI Syndicate,Canara Bargarh Bargarh State Bank of India Bolangir Bolangir State Bank of India Boudh Boudh State Bank of India Jajpur Jajpur State Bank of India Jharsuguda Jharsuguda State Bank of India Kalahandi Kalahandi State Bank of India Kandhamal Kandhamal State Bank of India Kendrapara Kendrapara State Bank of India Malkangiri Malkangiri State Bank of India Nabrangpur Nabrangpur State Bank of India Nayagarh Nayagarh State Bank of India Nuapada Nuapada State Bank of India Rayagada Rayagada State Bank of India Sambalpur Sambalpur State Bank of India Subarnapur Subarnapur State Bank of India Sundargarh Sundargarh State Bank of India Koraput Koraput State Bank of India Angul Angul UCO Bank Balasore Balasore UCO Bank Bhadrak Bhadrak UCO Bank Cuttack Cuttack UCO Bank Dhenkanal Dhenkanal UCO Bank Jagatsinghpur Jagatsinghpur UCO Bank Puri Puri UCO Bank TOTAL

112 PERFORMANCE OF RSETI S IN ODISHA AS ON Annexure - 40 Sl Name Of RSETI Name of Supporting Bank Target For FY Achievement No. of No. of No. of No. of Target Achievement %age %age Programs Candidates Programs Candidates 1 Ganjam Andhra Bank Gajapati Andhra Bank Sub Total Andhra Bank Mayurbhanj BOI Keonjhar BOI Sub Total BOI Deogarh CBI RUDSETI Syndicate,Canara Bargarh SBI Bolangir SBI Boudh SBI Jajpur SBI Jharsuguda SBI Kalahandi SBI Kandhamal SBI Kendrapara SBI Koraput SBI Malkangiri SBI Nabrangpur SBI Nayagarh SBI Nuapada SBI Rayagada SBI Sambalpur SBI Subarnapur SBI Sundargarh SBI Sub-Total SBI Angul UCO Bhadrak UCO Balasore UCO Dhenkanal UCO Cuttack UCO Jagatsinghpur UCO Puri UCO Sub-Total UCO TOTAL AAP BPL

113 RSETI Residential Training & Building Construction Status S No Sponsoring Bank Districts 1 UCO Bank RSETI Grading for Residential Training Facility Issue of Permissive Possession Angul AA YES No Annexure - 40 Building Construction Status Physical possession not given Balasore AA YES YES Completed Bhadrak AA No YES Started Cuttack AA Yes NO Land To Be Alloted Dhenkanal AA YES NO Land To Be Alloted Jagatsinghpur AA YES YES Started Puri AB Yes NO Permissive Possession Letter is yet be issued Bargarh AA YES YES Started Bolangir AA YES YES Completed Boudh AA YES YES Completed Jajpur AA YES YES Completed Jharsuguda AA YES YES Completed Kalahandi AA YES YES Started Kandhamal AA YES YES Started Kendrapara AA YES YES Completed 2 SBI Koraput AA YES YES Started Malkangiri AA YES YES Started Nabrangpur AB YES YES Completed Nayagarh AA YES YES Completed Nuapada AA YES YES Started Rayagada AA YES YES Started Sambalpur AA YES YES Completed Subarnapur AA YES YES Started Sundargarh AA YES YES Started 3 4 Andhra Bank BOI Gajapati Keonjhar AA AA YES YES YES YES Not Started Completed Ganjam Mayurbhanj AA AA YES YES YES YES Not Started Completed 5 CBI Deogarh AA YES YES Not Started 6 RUDSETI AA YES YES Completed

114 ODISHA Vs PAN INDIA as on Annexure - 40 SL No Parameters Odisha PAN INDIA 1 No of functional RSETIs No of youths trained No of youths Settled No of youths Settled with Bank finance 5 No of youths Settled with Self finance 6 % of settlement % of credit linkage 51 45

115 Annexure - 41 Sl District Name Approvals Approved Amount (in Rs. Lakh) Bank Name Approvals Approved Amount (in Rs. Lakh) 1 KHORDHA STATE BANK OF INDIA CUTTACK BANK OF INDIA SUNDARGARH CANARA BANK KEONJHAR PUNJAB NATIONAL BANK GANJAM INDIAN OVERSEAS BANK ANGUL ANDHRA BANK MAYURBHANJ UNION BANK OF INDIA SAMBALPUR ORIENTAL BANK OF COMMERCE JAGATSINGHPUR INDIAN BANK PURI SYNDICATE BANK JAJPUR BANK OF BARODA JHARSUGUDA ALLAHABAD BANK BALASORE UCO BANK BHADRAKH CORPORATION BANK KALAHANDI UNITED BANK OF INDIA KORAPUT IDBI BANK LTD DHENKANAL CENTRAL BANK OF INDIA KENDRAPARA BANK OF MAHARASHTRA RAYAGADA PUNJAB & SIND BANK NAYAGARH VIJAYA BANK BARGARH KARNATAKA BANK LTD BOLANGIR AXIS BANK LIMITED KANDHAMAL DENA BANK SONEPUR S.I.D.B.I NUAPADA THE SOUTH INDIAN BANK LIMITED BOUDH LAKSHMI VILAS BANK GAJAPATI NABARANGPUR DEOGARH MALKANGIRI Total CGTMSE - Odisha ( to ) Total

116 Sl Name of Bank CREDIT FACILITY TO MINORITY COMMUNITY AS ON SIKHS Disbursementfrom to Balance outstanding as on MUSLIMS Disbursementfrom to Balance outstanding as on Disbursementfrom to CHRISTIANS Balance outstanding as on Disbursementfrom to Annexure - 42 Amount in Crores A/c Amt. A/c Amt. A/c Amt A/c Amt A/c Amt A/c Amt A/c Amt A/c Amt 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank Public Sector Banks Axis Bank Ltd Bandhan Bank City Union Bank DCB Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank RRBs Commercial Banks Orissa State Co-Op. Bank TOTAL TOTAL Balance outstanding as on

117 Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Annexure - 43 STATUS OF DISPOSAL OF LOAN APPLICATIONS UNDER VARIOUS SCHEMES ( TO ) Sl Parameters 1 2 3= =(3-4-5) 1 Crop Loan Agricultural Term Loan Dairy Fishery DRI MSME WCC KCC ACC SCC PMEGP NULM SHG SCST

118 Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Annexure - 43 STATUS OF DISPOSAL OF LOAN APPLICATIONS UNDER VARIOUS SCHEMES ( TO ) Crop Loan Agricultural Term Loan Sl.No BankName 1 2 3= =(3-4-5) 1 2 3= =(3-4-5) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Pubic Sector Bank Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRB Total Commercial Bank Orissa State Co-Op. Bank Grand Total

119 Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Annexure - 43 STATUS OF DISPOSAL OF LOAN APPLICATIONS UNDER VARIOUS SCHEMES ( TO ) Dairy Fishery Sl.No BankName 1 2 3= =(3-4-5) 1 2 3= =(3-4-5) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Pubic Sector Bank Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRB Total Commercial Bank Orissa State Co-Op. Bank Grand Total

120 Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Annexure - 43 STATUS OF DISPOSAL OF LOAN APPLICATIONS UNDER VARIOUS SCHEMES ( TO ) DRI MSME Sl.No BankName 1 2 3= =(3-4-5) 1 2 3= =(3-4-5) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Pubic Sector Bank Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRB Total Commercial Bank Orissa State Co-Op. Bank Grand Total

121 Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Annexure - 43 STATUS OF DISPOSAL OF LOAN APPLICATIONS UNDER VARIOUS SCHEMES ( TO ) WCC KCC Sl.No BankName 1 2 3= =(3-4-5) 1 2 3= =(3-4-5) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Pubic Sector Bank Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRB Total Commercial Bank Orissa State Co-Op. Bank Grand Total

122 Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Annexure - 43 STATUS OF DISPOSAL OF LOAN APPLICATIONS UNDER VARIOUS SCHEMES ( TO ) ACC SCC Sl.No BankName 1 2 3= =(3-4-5) 1 2 3= =(3-4-5) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Pubic Sector Bank Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRB Total Commercial Bank Orissa State Co-Op. Bank Grand Total

123 Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Annexure - 43 STATUS OF DISPOSAL OF LOAN APPLICATIONS UNDER VARIOUS SCHEMES ( TO ) PMEGP NULM Sl.No BankName 1 2 3= =(3-4-5) 1 2 3= =(3-4-5) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Pubic Sector Bank Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRB Total Commercial Bank Orissa State Co-Op. Bank Grand Total

124 Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Backlog, if any No of Applications received from to Total No. of Applications (including backlog) No of Applications sanctioned No. of Applications returned/rejected No of Applications disbursed No of Applications pending Annexure - 43 STATUS OF DISPOSAL OF LOAN APPLICATIONS UNDER VARIOUS SCHEMES ( TO ) SHG SCST Sl.No BankName 1 2 3= =(3-4-5) 1 2 3= =(3-4-5) 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Total Pubic Sector Bank Axis Bank Ltd Bandhan Bank City Union Bank DCB Bank Ltd Federal Bank HDFC Bank ICICI Bank Indus Ind Bank Karnatak Bank Ltd Karur Vysya Bank Kotak Mahindra Bank Ltd Laxmi Vilas Bank Standard Chartered Bank The South Indian Bank Ltd Yes Bank Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRB Total Commercial Bank Orissa State Co-Op. Bank Grand Total

125 Annexure-44 Bank-wise details of subsidy released under the Scheme for Odisha during Sl.No Financing Bank No.of Units Subsidy Released in Rs. (In lakhs) 1 Andhra Bank, Baunsiapada Bank of Baroda,Samantarapur Punjab National Bank,BiraNarshingpur 4 Union Bank of India,Satyabadi Sakhigopal 5 Central Bank of India, Algum Andhra Bank,Dhenkanal Oriental Bank of Commerce, Puri Odisha Gramya Bank, Sakhigopal Total

126 Annexure 45 CUY Applications Pending with Banks as on Sl.No. Bank Name Branch Name No of applications pending with bank 1 UNION BANK OF INDIA BALIKHANDA - PURI 1 2 BANK OF BARODA HARISPUR,PURI 1 SIULA,ORISSA 1 PURI-SWARGDWAR 1 3 CANARA BANK PURI 1 RAHAMA 1 TARAKOR 1 4 CENTRAL BANK OF INDIA ALGUM 7 5 CORPORATION BANK PURI 1 6 DCB BANK LIMITED RAGHUNATHPUR 1 BHUBANESWAR 2 7 BANK OF INDIA RAJGARH PANCHAYAT 1 MARKAT NAGAR 1 IIT BHUBANESWAR ARGUL 1 KANDARPUR 1 NUASANTHA 1 NABAKALEBAR ROAD 1 (GUNDICHAVRI) PIPILI 3 8 AXIS BANK BIDHARPUR 3 9 ALLAHABAD BANK BELIAPAL 1 HAJO 1 10 STATE BANK OF MYSORE BHUBANESWAR 1 11 ANDHRA BANK PURI 1 SATASANKHA 7 BUDESHWARI COLONY 1 KENDRAPADA 1 SRIKSHETRA BRANCH 2 KRUSHNAPRASAD GARH 3 12 INDIAN BANK BELAPADAPATNA 1 PHULBANI 1 TULSIPUR 1 13 INDIAN OVERSEAS BANK GORUAL 1 PUANIA 1 BEGUNIA 1 IOB, RRB, ODISHA GRAMYA BANK 23

127 14 YES BANK NAYAGARH DCCB KHANDAPADA UNITED PURI NIMAPARA CCB SATYABADI ORIENTAL BANK OF PURI 3 COMMERCE JATNI 2 16 PUNJAB NATIONAL BANK JATNI 1 MANDARABASTA 1 BIRA NARSHINGPUR 2 NABARANGPUR 1 PATHARGADIA 1 17 SOUTH INDIAN BANK CUTTACK 1 18 STATE BANK OF INDIA KENDRAPARA 1 SAKHIGOPAL 4 ADB JAGATSIGHPUR 1 NIALI 1 KANSA 2 NIMAPARA 1 DANDAMUKUNDAPUR 4 BALIGAON 1 KORUA 5 DELANGA 1 HUMA 1 19 SYNDICATE BANK TEISIPUR 1 SAKHIGOPAL 1 NISCHINTAKOILI 1 20 UCO BANK PURI - BHUBANESHWAR 1 TIGIRIA 1 DELANG 3 BALITUTHA 1 PAIKTIGIRIA 1 JANLA 1 KANTUNIAHAT 1 GAZIPUR 2 BARIPADA_TIRTOL 1 21 IDBI BANK LIMITED PURI 6 22 VIJAYA BANK MANGALPUR 1 23 UNITED BANK OF INDIA PURI 1 24 PUNJAB AND SIND BANK JATNI, KHURDA ROAD 1 Total no of Pending Applications 137

128 BANK WISE SUBSIDY RELEASED DURING THE YEAR & IN THE STATE OF ODISHA No of Amount Sl.No. Name of Bank Units (in Rs.) Annexure-46 1 Allahabad Bank 1 2 Andhra Bank 17 3 Bank of Baroda 12 4 Bank of India 6 5 Bank of Maharashtra 2 6 Canara Bank 3 7 Central Bank of India 13 8 Corporation Bank 2 9 IDBI Bank 2 10 Indian Overseas Bank 9 11 Odisha Gramya Bank 9 12 Oriental Bank of Commerce 7 13 Punjab and Sind Bank 1 14 Punjab National Bank 6 15 State Bank of India 1 16 State Bank of Travancore 1 17 Syndicate Bank 3 18 The United Puri Nimapara Central Cooperative Bank 1 2,00, ,40, ,00, ,00, ,00, ,88, ,80, ,00, ,80, ,00, ,00, ,00, ,00, ,80, ,00, ,00, ,60, ,00, UCO Bank 2 20 Union Bank of India 5 4,00, ,00, Vijaya Bank 5 14,00, TOTAL ,28,000.00

129 ANNEXURE 47 DETAILS OF SUBSIDY RELEASED TO BANKS IN THE STATE OF ODISHA FROM TO ( Upto ) Subsidy No.of released No. of Name of spg. Total Name of Bank Year (Rs. in tiny Cheque/ DD/RTGS Transfer No and Date branch Units units lakhs) units Bank of Baroda 2.00 Fund Transferred from Indian Overseas Bank, Sahid Nagar Bank of Baroda Orissa / , ,166920/ Bank of Baroda Bhubaneswar DD / Bank of Baroda Cuttak Rd / Bank of Baroda Cuttak Rd / Bank of Baroda Cuttak Rd / ,866976/ ,BARB0CUTTK/ Bank of Baroda Cuttak Rd / ,205807/ TOTAL Canara Bank Fund Transferred from Indian Overseas Bank, Sahid Nagar Canara Bank Bapuji Nagar /CNRB Canara Bank Main Br., / Bhubaneswar Canara Bank Surya Nagar TOTAL Central Bank of India 4.40 Fund Transferred from Indian Overseas Bank, Sahid Nagar Central Bank of India Surya Nagar /CBIN Central Bank of India Bhubaneswar / ,166902/ ,166920/ Central Bank of India Soumya Nagar /CNIB Central Bank of India Surya Nagar / Central Bank of India Surya Nagar / ,937308/ , CBIN / Central Bank of India Bhubaneswar / ,205806/ TOTAL Indian Bank Bhubaneswar / ,166915/ Indian Bank Saheed Nagar / Indian Bank Sahid Nagar IDIB000159/ Indian Bank Sahid Nagar / TOTAL Indian Overseas Bank Sahid Nagar Actual transferred Rs lakhs /IOBA (Rs.32 lakhs transferred to different Banks) Indian Overseas Bank Sahid Nagar /IOBA Indian Overseas Bank Saheed Nagar, Cuttak /IOBA Indian Overseas Bank Saheed Nagar /IOBA Indian Overseas Bank Sahid Nagar / ,IOBA /14038 TOTAL State Bank of Travancore Bhubaneswar ( Rs lakhs transferred from IOB, Sahid Nagar)/ State Bank of Travancore Bhubaneswar / State Bank of Travancore Bhubaneswar / TOTAL UCO Bank 2.00 Fund Transferred from Indian Overseas Bank, Sahid Nagar UCO Bank Sahid Nagar UCO Bank Bhubaneswar / ,166902/ ,166920/ UCO Bank Bhubaneswar / UCO Bank Bhubaneswar UCO Bank Maitree Vihar / UCO Bank Maitree Vihar / ,866976/ ,866976/ ,866982/ ,866983/ ,305979/ UCBA / UCO Bank Maitree Vihar / UCO Bank Kantuniahat / TOTAL GRAND TOTAL

130 Annexure 48 CALENDAR PROGRAMME FOR CONDUCT OF SLBC MEETINGS Sl No Particulars of Meeting Reminder regarding submission of data by Banks /LDMs/ Govt. Depts. to SLBC. Last date for receipt of information / data by SLBC Convenor Bank Distribution of SLBC Agenda Holding of SLBC Meeting Forwarding the Minutes of the meeting to all Stakeholders Follow up of the action points emerged from the SLBC Meeting Quarter ended March-2018 Quarter ended June-2018 Quarter ended Sept-2018 Quarter ended Dec (Tuesday) (Thursday) (Wednesday) (Saturday)

131 TABLE AGENGA APPROVAL OF ANNUAL CREDIT PLAN FOR THE YEAR Special SLBC meeting was held under the Chairmanship of Principal Secretary, Finance, Govt of Odisha at RBI on 7 th April 2018 to finalize the allocation of ACP for the year After threadbare discussion at a series of meeting held between RBI and SLBC in consultation with State Government, it was emerged that the basis of allocation of ACP to different banks operating in the State should be proportionate deposit mobilized by the respective banks in the districts as at the end of December 2017 except RRB and OSCB. The target for RRB and OSCB has been firmed up as 10% incremental to the target allotted in the year Accordingly target under ACP for are prepared by SLBC and communicated to LDMs of all districts to approve by convening special DCC meeting by 10 th of April The State Focus Paper is the consolidation of credit potential plan estimated for various sectors of the rural economy as reflected in the Potential Linked Credit Plans(PLPs) prepared by NABARD for all the districts in the state of Odisha. The documents, besides presenting a comprehensive picture of rural economy, highlights the constraints and issues pertaining to critical infrastructure gaps in various sectors and offers suggestion for improving credit flow. It presents a holistic perspective for planned rural development of the state with credit being the major driving force. The district-wise Potential Linked Credit Plan (PLPs) for projects a credit flow of Rs crore for the state. The projection for PLPs was Rs prepared by NABARD crore for the year whereas ACP target was firmed up for Rs60000 Crore for the year considering the impact of demonetization. Considering the favorable monsoon and improve CD ratio in the current year ( ) as compared to the ACP has fixed equal to PLP i.e. Rs crore for the year In the mean time special DCC meeting has been convened in all the districts and approved the ACP for the year and communicated to SLBC. The consolidated ACP for the state and district-wise ACP will be approved in 150 th SLBC meeting.

132 SUCCESS STORY I At the age of 21, Surendra Sahoo was doing business with his father s worship shop (Puja Bhandara) at Kapilash Mahadev temple, Dhenkanal & earning Rs 8000/- to 10,000/- p.m from that business which was not sufficient for his family requirement. Due to the financial problem, he was unable to develop his business in a new venture. Then he applied for PMEGP loan of an amount of 3 lacs, which was sanctioned by UCO Bank, Deogaon. As per the govt. guideline, he was undergone the training programme on General EDP for PMEGP benificiaries for 6 days at UCO RSETI, Dhenkanal. He got training on various aspects like project report preparation, confidence building, entrepreneurial competencies, costing & pricing, marketing, customer management etc.he successfully completed the training programme & started his worship shop (Puja Bhandar) at Kapilash Mahadev temple. He is well known for his customer oriented approach & quality products. Today he is earning more about Rs 30,000/-p.m. He expressed his gratitude towards UCO RSETI, Dhenkanal for his success.

133 SUCCESS STORY II Ms. Payal Patel, D/o: Late Sri Prasanta Patel, At: Rangiatikira,Po: Bagdehi, Block: Kirmira, Dist Jharsuguda is 21 years old who lives with her Mother at her maternal uncle s house near her village. Due to her father s untimely death and poor financial condition she could not go for higher study after BSC. She was desperately searching for an activity to supplement her family income. Her mother came to know about the training opportunity in TRL-SBI RSETI from our institute staff during EAP at CDPO meeting hall, Kirmira. She applied for Sanitary Napkin Making Training and was selected for the same and undergone training from to During Training in RSETI she learnt sincerely the process of making sanitary napkin, The inputs on entrepreneurship and self employment during training also enhanced her self confidence to determine her to do any job. After training she inquired in net about the Sanitary Napkin unit. Also she inquired investment for the unit, area of marketing etc. She visited some machine suppliers at Mumbai. She applied for PMEGP loan and got Rs.8 lac for the same. Also she arranged Rs 1.5 lac from her relatives for initial investment. PD, DRDA, Jharsugua, BDO, Kirmira & Director TRL-SBI RSETI inaugurated her unit on 28thMay Now she engaged 4 women for her work. At present her income is Rs.20000/- to Rs.25000/- per month after deducting all expenses.

134 SUCCESS STORY III Sangeeta Sahoo w/o Mikun Sahoo, Ayatapur GP of Banpur Block of Khordha is a successful entrepreneur. She was inspired by her father in law & husband & she had decided to step in to entrepreneurship. She is graduate, simple, descent & house maker, blessed with a baby. Shri Mikun Sahoo, who was doing a petty business before marriage, decided to start a package drinking water & make a niche in the package drinking water business. He had no information on the said project, so he contacted a friend who guided him to RUDSET Institute, Bhubaneswar for necessary supports. He along with his wife was counseled by RUDSETI & advised to undergo an entrepreneurship development programme. He decided to allow Smt. Sangita Sahoo (wife) to join General EDP training at RUDSETI. She had undergone General EDP training from 27/07/2015 to 06/08/2015 in SEP no.434/2015. She completed the training successfully. During training she made a market survey & decided to start the unit at her own land. She consulted with her father in law who generously offered his land for the said project. He even constructed the complete shed for the project. She then prepared the DPR with project cost of Rs.25 Lakhs & with consent from Canara Bank, Balugaon; she applied on line under PMEGP. DLTFC, Khorda after screening of application forwarded it by reducing the project cost to Rs.20 Lakhs to Canara Bank, Balugaon for necessary financing. During this period she applied for Electric connection, BIS certification & FSSAI license, NOC from Pollution. Within one year of submission of application, she obtained all the licenses required to operate in the market. She availed first installment in the month of June 2017 & ordered suppliers to install RO system & pouch vending machine. As per BIS certification she constructed two laboratories for water testing. Project was ready in all respects during the month of November Finally the project was inaugurated by Shri Prafulla Kumar Samal, Minister of MSME, Govt. of Odisha on in presence of Ex. MLA, AGM, Canara Bank & Director, RUDSETI. She made investment of Rs. 38 Lakhs including Building & machineries with Rs.20 Lakhs as Bank Loan. She has engaged 4 to 5 peoples in operation & making a profit of approx. Rs.40000/- after all expenditure. She thanked RUDSETI for showing the way in her career.

135 SUCCESS STORY IV Santosh Rana s/o Basant Rana, Kumandal Village of Harikunda Baridihi GP of Chilika Block of Khordha District comes from a middleclass family. He completed graduation from a local college. He did not evince any interest in wage employment. He started a vegetable shop with investment of Rs.5000/- borrowed from his father in the village market which was a success. Gradually he expanded the vegetable business which gave him good earnings. After continuing the existing business for some years, he thought of starting a small fast food restaurant but he did not know the preparation of fast food items. He then searched for a chef & finally started a restaurant at Balugaon named as Hotel Ruchi with investment of Rs /- utilizing his own savings. The initial days were fine but suddenly the chef left Santosh & he started one his own. Santosh, who was emotionally disturbed, took the responsibility on his own shoulder & continued to run the restaurant with help of family members. The business gradually picked up & sales were good but faced some managerial problems. During informal discussion held with HDFC branch manager, he came to know about RUDSETI. He came to RUDSETI & discussed some of the managerial problems faced by him as proprietor. He was counseled & advised to undergo General EDP training at RUDSETI. He had undergone the subject programme in SEP No.495 conducted from 21/11/2016 to 30/11/2016. During training he was very quick to learn enterprise launching formalities & management. After that he did not look back, He shifted the restaurant to nearby shop & invested Rs.15 Lakhs borrowed from HDFC bank directly towards purchase of dining table, chair & interior, kitchen utensils etc. He started it in the month of June At present, after all expenditure he earns approx Rs /- per month. He has given employment to his younger brother & 7 persons. He is successful now in hotel business & thanked RUDSETI for enriching the life of unemployed youth like him.