BANKING AT A GLANCE IN ODISHA AS ON 30 th JUNE 2017

Transcription

1 BANKING AT A GLANCE IN ODISHA AS ON 30 th JUNE 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 NBC) Credit Investment to Deposit Ratio % NPA in % (Average in the state) Public Sector Banks Private Sector Banks 0.92 RRBs

2 Cooperative Banks 6.92 Total No. of Branches 5041 Rural Branches 2748 Semi Urban Branches 1314 Urban Branches 979 Achievement under ACP vis-à-vis Annual Target under priority sector in % Agriculture MSME Export Credit Education Housing Social Infrastructure 0.23 Renewable Energy 0.11 Others 8.52 Lead Districts : 30 SBI 19 UCO 7 BOI 2 Andhra Bank 2 RSETIs : 30 SBI 17 UCO 7 BOI 2 CBI 2 Andhra Bank 1 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

3 AGENDA NOTES OF 148 th SLBC MEETING AGENDA NO. 1 Confirmation of Proceedings of 147 th SLBC Meeting held on at Bhubaneswar. The Proceedings of the 147 th SLBC Meeting held on was circulated among all the members of SLBC vide our letter No. SLBC/ODI/148/ dated Since no comments have been received from any quarter, the same may please be confirmed. AGENDA NO. 2 Action Taken Report on major decisions taken in 147 th SLBC Meeting held on Progress of Implementation of Financial Inclusion Plan in the State. Provision of banking outlets in unbanked villages with population below 2000 As on , Banks have covered villages constituting % of the total target. Out of these villages, 657 are covered through B & M Branches and rest by branchless modes mainly through BC mode. Bank wise & District wise details are at Annexure - 1. The following banks have not covered 100% of their allotted villages. Federal Bank, Dena Bank, Odisha Gramya Bank, Andhra Bank, Utkal Grameen Bank, Axis Bank, Punjab National Bank & Syndicate Bank. They are requested to ensure 100 % achievement before 30 st September, Aligning roadmap for unbanked villages having population more than 5000 with revised guidelines on Branch Authorization Policy of Reserve Bank of India In term of RBI circular FIDD.CO.LBS.BC.No.82/02.001/ dated 31/12/2015, wherein SLBC identified 78 villages with population above 5000 without a bank branch and allotted among schedule commercial banks (Including RRB) for opening of brick and mortar branches. In this connection RBI issued circular vide DBR.No.BAPD.BC.69/ / dated 18 May 2017 on rationalization of Branch Authorization Policy- Revision of Guidelines wherein final guidelines on Banking Outlets have been issued with a view to facilitate financial inclusion as also to provide flexibility to banks on the choice of delivery channel. 3

4 As discussed in 147 th SLBC meeting,78 identified villages having population more than 5000 without a bank branch of a scheduled commercial bank have been allotted by SLBC for opening of branches by Dec It has been decided with Controlling Heads of allotted Banks, GM, FIDD, RBI and SLBC that opening of Brick & Mortar Branch need not be insisted upon where there is presence of B&M Branch within radius of 5 KM because of non viability/feasibility/profitable proposition. It is found that there are 60 locations where B&M branch existed within 5 KM. Hence remaining 18 locations are identified for opening of B&M branch. Only 6 branches are opened as on Status of banking outlets in 78 villages with population more than 5000 as on Brick & Mortar Branch exists within a radius of 5 KM of the proposed 60 villages having population more than Brick & Mortar Branch opened 6 3 Banking outlets to be opened by allocated Banks 12 TOTAL 78 Bank Service Expansion in LWE districts in the State The Union Finance Ministry is focusing on the expansion of bank branches and opening of post offices in the LWE districts. There are 19 LWE districts in the State of Odisha, out of which the red rebels are mostly active in Malkangiri, and Koraput district. There are 17 bank branches opened during the last two years. In view of the dominance of the Maoists in these districts, the Government is laying emphasis on expansion of the bank branches in these districts. Major causes of slow progress in branch opening in these districts are no/poor internet connectivity, poor and unstable electricity connection, and poor road connectivity and security threats. Government of Odisha has raised the issue with Centre in this regard. However, all the banks are requested to explore all possibilities to open brick and mortar branches in their allotted unbanked Gram Panchayats on priority basis. 3. Branch opening in Unbanked Gram Panchayats as on In the Sub-Committee meeting of Banking Expansion held on , based on the response received from banks for 677 unbanked GPs, RBI in consultation with SLBC allotted 247 Unbanked GPs to different banks and the remaining GPs may be allocated for banking outlets among banks with nearby branches within 15 days. The details of allocation is at Annexure-1(a). 4

5 Sl Details GP Position 1 Total number of unbanked GPs till 31 March GPs having Brick and Mortar commercial bank branch(psb, Pvt banks, RRB) with in 5 KM GP having Brick and mortar Rural Co-Operative bank branch or UCB within 5KM 68 4 GPs not having bank branch within a radius of 5KM GPS not having bank branch but having BC GPs having neither bank branch nor BC within 5KM Out of Sl no 6 GPs where BCs of SBI exists/bca to be appointed Balance (6-7) Proposal to open in next three years i.e , & Out of which Brick & Mortar branches to be opened & 340 Fixed Location BC/Ultra Small Branch 337 Status of Unbanked 797 GPs allotted to SBI CSPs identified (out of list of 1474 unbanked GPs) Established and Working as on August 10, 2017 SBI CSPs Exists Nil BCA will set up with VSAT GPs where BCAs have been identified and codes allotted Total Gap SBI informed us that out of 372 unbanked villages, 260 will have BC by September 2017 and 112 will have BC by March As per the new Rationalization of Branch Authorization policy of RBI vide notification No DBR. No BAPD.BC.69/ / dated the revised guidelines for authorization of banking outlet is provided at Annexure- 1(b). Solar/Electric Powered- V-SAT projects: NABARD has sanctioned more than Rs crore for installation of solar based V-SATs in the difficult areas where kiosks/ CSPs are set up by various Commercial Banks in Odisha. This is one of the most critical intervention under financial inclusion, especially in the areas where connectivity issues are the hindrances. The details of sanctioned projects is under: 5

6 Name of the Bank No of VSATs No. of districts covered Sanctioned amt. (Rs. in lakh) Canara Bank State Bank of India UCO Bank Union Bank of India United Bank of India Punjab National Bank Syndicate Bank Central Bank of India Bank of Baroda Indian Overseas Bank Andhra Bank Utkal Grameen Bank Total Concerned Banks may give their status on installation of V-SAT projects sanctioned by NABARD to them and submit claim to NABARD for reimbursement. 4. Implementation of Pradhan Mantri Jan Dhan Yojana (PMJDY) as on Total No. of villages covered Total No. of Sub Service Area covered 6276 Total No. of Wards covered % Saturation (Each household having minimum one Saving Bank Deposit Account) 30 No of accounts opened from to lakhs Rural Urban No. of accounts opened with Zero balance Lakhs % of Zero balance accounts to total account opened Total deposit balance under PMJDY accounts Lakhs No. of RuPay Cards issued lakhs No. RuPay Cards activated lakhs No. of Aadhaar seeded accounts % of Aadhaar seeding lakhs No. of active BC Agents (Bank Mitra) 5256 Bank wise performance on PMJDY dated is available in Annexure 2 6

7 Bank wise & District wise performance on BSBDA dated 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 8.83 APY 1.87 Bank wise performance in the 3 Social Security Schemes is available at Annexure 4 The target for Atal Pension Yojana for is as follows 1) 70 Accounts per branch for PSB/Select private Banks like Axis, ICICI, HDFC 2) 50 Accounts per branch of RRB 3) 20 accounts per branch of Cooperative Bank In the meantime, emphasis is to be laid on the following aspects for enhanced APY outreach a) All branches of banks should mobilize minimum accounts as per its category (PSB, Private Banks, RRB, Coop Bank) b) Involving Banking Correspondents for sourcing APY c) Establishing tie up by Banks with Non Bank Aggregators/MFI/NGO for sourcing APY d) Inclusive participation by banks branches in various APY campaign to increase the coverage. 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 5. 7

8 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. Accounts of Share in % Disbursed amount (Crore) Share in % Shishu Kishore Tarun Total Progress of Pradhan Mantri MUDRA Yojana (PMMY) in Odisha for the period to (Financial Institutions wise) Financial Institutions No. of Accounts Share in % Disbursed amount (Crore) Share in % MFIs, NBFCs & Small Finance Bank Public Sector Banks Private Sector Banks Regional Rural Banks Foreign Banks Total District wise performance under MUDRA as on District Account Amount (Cr) District Account Amount (Cr) Khordha Koraput Ganjam Kalahandi Cuttack Dhenkanal Mayurbhanj Jharsuguda Puri Sonepur Balasore Rayagada Bhadrak Jagatsinghpur Sundargarh Nabarangpur Jajpur Boudh Bolangir Nuapada Angul Kendrapara Bargarh Gajapati Sambalpur Deogarh Keonjhar Kandhamal Nayagarh Malkangiri

9 Bank wise, district wise & category wise report on PMMY is available at Annexure Review on Banking Developments in Odisha in Key Indicators as on (Amt in crore) Variation June June % of Parameters over June growth 2016 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 June 2017, the total number of Bank Branches in Odisha increased to During the period to , Banks have opened 10 new branches in the State. Out of which, Public Sector Banks and Private Sector Banks have opened 09 & 01 branches respectively. 05, 02 and 03 branches have been opened in Urban, Semi-Urban and Rural centres respectively. Deposit Growth Deposits of the Banks in the state have increased from Rs Crore as of June 2016 to Rs Crore as of June 2017, registering an increase of Rs Crore. The year on year incremental deposit growth is 16.56% Credit Expansion The total outstanding advances increased from Rs Crore as of June 2016 to Rs Crore as of June 2017 registering an increase of Rs crore. The year on year incremental advance growth is 3.04%. 9

10 CD Ratio The Credit Deposit Ratio of all Banks in the state decreased from % as of June 2016 to % as of June 2017.Overall CD ratio is above the benchmark of 60%. Priority Sector Advances The percentage of priority sector advances is % as of June 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 June 2016 to Rs Crore as of June 2017, thus registering an increase of Rs Crore in absolute terms and 6.29 in percentage terms. The share of agricultural credit in total advances as of June2017 is % against the national norm of 18 %. Micro, Small & Medium Enterprises (MSME) The advances to MSME during the period under review have witnessed decrease from Rs Crore as at June 2016 to Rs Crore as at June 2017, thus registering decrease 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 2.37 Housing Loan The housing loan balance outstanding has increased from Rs Crore as on to Rs as on registering an increase of Rs Crore in absolute terms. The incremental growth on year to year basis is %. Advances to Weaker Sections The advances to Weaker Sections decreased from Rs Crore as of June 2016 to Rs Crore as at June 2017.The share of weaker section advance to Priority Sector advance is % against the bench mark 25 %. 7. Bank wise & Scheme wise under various Schemes of Agriculture & Allied Sector Interest Subvention & Subsidy (State Govt.) utilization as on (Figures in Rs) 10

11 Utilization during the period Crop loan Agriculture Term Loan Short Term Fishery Loan Term Loan Fishery Short Term Dairy Loan Long Term Dairy Loan Up to From to From to From to From to From to Total Utilization Total fund received from Govt Balance PDE Post Offices at a Glance in the State of Odisha CBS (As on ) Total offices migrated to CBS as on date= 1018(HO=35 and SOs=983). No. of offices pending for migration for network issues=183. ATM (As on ) In Odisha Circle 44 numbers of ATMs are made operational. Inter operability of ATMs has been successfully in operation in all 44 DOP ATM sites and other Bank ATMs in the Circle. IPPB (India Post Payment Bank)(Aap ka Bank, Aap ke dwaar): 1. In Odisha 30 locations are identified for IPPB roll out. In the first phase, 50 locations all over India are identified for implementation of IPPB. Bhubaneswar(Circle Level) is one of the identified locations where IPPB will be rolled out in the 1 st phase during Sept Additional 6 locations (small branch) have been identified covering all the pending Districts of Odisha Circle. Account Status:- Total SB live account including Sukanya Samriddhi Account as on Total MGNREGA account as on CC issue and Discharge during the year as on

12 Enrolment under Pradhan Mantri Jan Suraksha Scheme upto :- Sl. Name of Scheme No. of accounts enrolment 1 Pradhan Mantri Jan SurakshaYojana (PMSBY) Pradhan Mantri Jeevan Jyoti BimaYojana (PMJJBY) Atal Pension Yojana (APY) Direct Benefit Transfer for LPG (DBTL) Progress on implementation DBTL in our 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 Cash Transfer Compliant (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 (90.59%) 5. Balance Aadhaar to be generated In term of UIDAI notification published in the Gazette of India vide letter no 13012/79/2017/Legal-UIDAI dated 14/07/2017 that Prevention of Money Laundering (Maintenance of Records) Rules 2005 have been amended with effect from 1 st June 2017 to require Aadhaar for every bank account. All existing Bank accounts have to be verified with Aadhaar by the Banks by 31 st December 2017, failing which the accounts will become inoperative. Therefore it has been decided that every Scheduled Commercial Bank shall provide Aadhaar enrolment and update facilities to its customers. Following are the guidelines for setting up Aadhaar centres in the Banks. 1. Every Scheduled Commercial Bank shall set up Aadhaar enrolment and update facility inside its bank premises at a minimum of 1 out of every 10 branches by The selection of branches for enrolment and update facility shall be such that it covers all the district headquarters where it is present and that here is maximum coverage of Talukas/Block in every district. 12

13 3. The bank shall notify to its customers, the general public, and UIDAI of the location of branches where Aadhaar enrolment and update facilities will be provided by them. The list of such branches shall be displayed on its website. Any changes in locations shall be notified at the earliest in the aforesaid manner. 4. The Banks may at its discretion provide Aadhaar enrolment and update facility to customers of other banks. 5. The bank may charge the customers for Aadhaar enrolment and update services at the rates prescribed by UIDAI. 6. The Scheduled Commercial Bank shall, if not already done so, become Registrar of UIDAI for providing enrolment and update facilities. The above instruction has already been communicated by SLBC vide letter no SLBC/ODI/173/ dated 26/07/2017 MGNREGS camps for seeding of Aadhaar in the accounts of MGNREGS workers for Direct Benefit Transfer (DBT) Aadhaar camps for MENREGS workers is going on throughout Odisha from , which will continue till As per instruction from Joint Secretary MORD, Joint Secretary DFS, Govt of India bank representatives should present at the Aadhaar camp on the stipulated date. Controlling Heads of banks may give suitable instruction to their branches to be present in the camp and collect the consent forms which have to be converted to ABPS within 7 days. District wise conversion status is at Annexure-8(a). AGENDA NO. 3 Banking Key Indicators The details of Bank wise deposit, advances & important banking key indicators are available at Annexure 9. Banks CD Ratio (All Banks) Basing on total utilization Basing on advance (including sanctioned in sanctioned and utilized in outside State) of advance in the state the state Public Sector Private Sector RRBs Cooperative State District Wise CD ratio (%) as of & for all Districts of Odisha 13

14 SL. DISTRICT NAME Deposit (Crore) (Crore) Advance CD Ratio Deposit Advance CD Ratio 1 ANGUL BALASORE BHADRAK BARAGARH BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPARA KEONJHAR KHURDA KORAPUT MALKANGIRI MAYURBHANJ NAYAGARH NABARANGPUR NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH 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 37.52% 14

15 It is observed that 8 districts namely Bhadrak, Dhenkanal, Jajpur, Boudh, Jharsuguda, Kalahandi, Nayagarh and Sonepur have achieved CD ratio of more than 60% &11 districts have registered CD ratio below 40%, namely, Angul, Sambalpur, Deogarh, Gajapati, Ganjam, Jagatsinghpur, Kendrapara, Keonjhar, Puri, Kandhamal and Mayurbhanj. The LDMs of those districts and the Lead Banks should take needful action for improvement in CD ratio in the coming quarters. Area wise CD Ratio is at Annexure 10. 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 %. 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) (54.51) 1314(26.06) 979 (19.43) 5041 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

16 Position of ATM installation in the State as on Sl. ATM Position Number No. 1 No. of Onsite ATMs No. of Offsite ATMs Total No. of ATMs 6237 Out of which I No. of ATMs in Rural Branch 2089 II No. of ATMs in Semi-Urban Branch 2100 III No. of ATMs in Urban Branch 2048 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. Target Vs Achievement under ACP as on Amt in Crore Particulars Target Achievement % Crop Loan Agri Term Loan Fishery Dairy Farm Credit Agriculture Infrastructure Ancillary Activities

17 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 Amt. in crore Priority Sector Sl Name of Bank Target Achievement % 1 Public Sector Banks Private Sector Banks Regional Rural Banks Co-operative Banks TOTAL The achievement during to under ACP is 18.49% of the target. Share of different banks in Agriculture Credit Outstanding on Amount in Crore Name of the banks Amount outstanding Share in % Public Sector Banks Private Sector Banks RRBs OSCB Total

18 AGENDA NO. 6 NPA & Overdue position as on The NPA % of the State is and overdue % is which are at much higher side and alarming. Rising NPA in Odisha is a matter of great concern. The Bank wise and Sector wise NPA & Overdue position is given in Annexure 16. For PMRY / PMEGP / SJSRY (NULM)/ SHG (NRLM) / WCC, 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. Sector wise NPA & Overdue % as on Sl. No. Sector NPA % Overdue % 1. Short Term Crop Loan Agriculture Term Loan Agriculture Allied Total Agriculture MSME Sector Education Loan Housing Loan Total Priority Sector Total Advance Scheme wise NPA & Overdue % as on Sl. No. Sector NPA % Overdue % r1. PMEGP & PMRY 25.45/ 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, federal Bank, Laxmi Vilas Bank OGB & UGB 18

19 Status of OPDR cases as on no. of OPDR cases involving Rs crore are pending as on Highest number of cases( 1625 ) are pending in Khordha district followed by Kendrapara district (1184 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 17. 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 861 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 Rs. 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 negative growth of 12.96% over June 2016 Against a target of 7.5% of ANBC, Banks have achieved 9.51 % under Micro Enterprises. The allocation of Micro sector to MSE advance at the end of June 2017 is % (against bench mark 60%). 19

20 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 of the target. The share of MSME advances to total advances as of 30 st June 2017 is %. Performance of Commercial Banks under Manufacturing Sector as on Disbursement ( to Manufacturing Sector ) A/C Amt in Crores Micro Enterprises Small Enterprises Medium Enterprises TOTAL Stand Up India Scheme Target 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. Against a target of 5402 applications for as on 30 st June 2017, 116 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.4.08 crore has been disbursed in 23 accounts to SC/ ST applicants and Rs crore has been disbursed in 93 accounts to Women applicants. (Annexure - 20) Chief Secretary, Govt of Odisha has stressed on extending credit to fresh units in MSME sector which will boost employment generation in the state. Accordingly, SLBC collated the data and is given in Annexure-20(a). During the FY , no. of fresh unit has been sanctioned in MSME Sector & Rs Crore has been sanctioned. From to , no. of fresh unit has been sanctioned & Rs Crore is been sanctioned. During the FY , no. of fresh unit has been sanctioned in Mudra & Rs Crore has been sanctioned. From to , no. of fresh unit has been sanctioned & Rs Crore is been sanctioned. 20

21 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 no. of KCCs. No KCC has been issued so far by the following Banks: Public Sector Banks Bank of Maharashtra& Corporation Bank Private Sector Banks Axis bank, Bandhan Bank, City Union bank, Karnataka Bank,, IndusInd Bank, Karur Vysya Bank, Kotak Mahindra Bank Ltd., Laxmi Vilas Bank, The South Indian Bank Ltd, Standard Chartered Bank, Yes Bank & DCB Bank ACABC Scheme ACABC scheme was launched by GoI in 2002 which aims at providing farmers with technical advices on various agricultural issues, services like maintenance and custom hiring of farm equipment, sale of inputs etc. in agriculture and allied areas through technically trained agricultural graduates/professionals at village level. The ACABC scheme is in operation during Progress under the scheme in the state is not encouraging. So far, under the scheme, only one case has been financed by Syndicate Bank and eligible subsidy was disbursed during last year. Banks may lend more number of the eligible entrepreneurs under the scheme and avail eligible subsidy under the scheme. Area Development Scheme Area based schemes with focus on locally potential investment activities is being encouraged by NABARD for accelerated credit flow and capital formation in Agriculture. Accordingly, NABARD has prepared banking plan for financing 8 potential activities under agriculture & allied sectors in the state for the years 21

22 to with an estimated bank loan of Rs crore. The plan was approved by the SLBC in its meeting held on for implementation in the state. Banks may be impressed upon by the SLBC to advise all the controlling heads of the banks to issue necessary instructions to their branches to finance the potential activities identified in this plan. Banks may also come forward to finance new and innovative investment activities having potential in various districts in the state. Issuance of RuPay KCC by Coop.Banks/RRBs NABARD has sanctioned grant assistance of Rs crore under Financial Inclusion Fund (FIF) to OStCB on behalf of all the 17 DCCBs towards issue of RuPay KCC to all their KCC a/c holders. OStCB and DCCBs may indicate the present status on issuance of RuPay Kisan Cards and the said data may be uploaded in NABARD s ENSURE portal as advised to them earlier which will be sent to DFS, Govt. of India for their information. Similarly, Odisha Gramya Bank and Utkal Grameen Bank may also indicate the status of issuance of RuPay KCCs to their KCC a/c holders and the said data may be uploaded in NABARD s ENSURE portal as advised to them from time to time for onward submission to DFS, Govt. of India for their information. 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 Dairy Entrepreneurship Development Scheme(DEDS) DEDS has got the administrative approval for continuation of DEDS for the financial year The objective of the Scheme, Implementing Agency and area of Operation, Outlays of the scheme, Components that can be financed, indicative cost,eligible beneficiaries, Pattern of assistance, financial institution eligible for re-finance, linkage with credit and all details are annexed in Annexure

23 Government of India, Ministry of Agriculture and Farmers Welfare, Department of Animal Husbandry, Dairying and Fisheries has extended the scheme upto 30 September A budget provision of Rs.3.17 crore for the state of Odisha has been made by Govt. of India for While financing under the scheme, banks have to accord priority to the farmers of drought, flood, Naxalite and terrorist affected districts for component I to III of the scheme. Banks also need to give priority to loan proposals from clusters, farmers/women of SHGs, cooperatives/producer companies including creation facilities of processing, value addition and marketing of milk produced in the cluster mode. Loan applications under the scheme, received at bank level during to but are sanctioned later, are eligible for processing and admissible subsidy will be released subject to availability of funds from GoI. Banks are requested to finance more number of farmers under the scheme. Progress under FFDA Achievement of Fishery sector the financial Year is given in Annexure Nos. of Proposals for development of ha. of water areas amounting to Rs Lakhs for pond development under FFDA scheme are pending in different banks. The details of bank-wise/branch wise pending position including the cases pertaining to previous year under the said schemes up to has been shared with all banks. 2. Govt. of India has revised the Unit Cost for pisciculture from Rs.3.50 lakh /Ha to Rs.8.50 lakh/ha. with 50% subsidy support. Another State Plan scheme Machha Chasa Pain Nua Pokhari Khola Yojana is under implementation with a budgetary provision of Rs lakh has been made for excavation of new ponds as per the revised Unit Cost as stated above during 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 2015 and accordingly dispose the pending cases under Fishery sector. 3. Sufficient funds are available with SLBC Convenor UCO Bank and OSCB, Bhubaneswar for administration of short term interest subvention and long term interest subvention. It is requested to all banks to submit claim to UCO Bank and OSCB Bhubaneswar for utilization of the funds allotted for interest subvention Nos. of cases are pending in different banks covering water area of 72.74ha. amounting of Rs lakhs under Short term credit. 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 crores has been 23

24 disbursed. Balance outstanding as on is Rs crores. Since pledge financing gives price assurance to farmers, it is requested the member banks to explore possibility of lending under pledge finance. Identification of Agri-Entrepreneurs APICOL & OUAT have shared a list of Agri entrepreneurs which is forwarded to all banks for extending credit to prospective entrepreneurs. AGENDA NO. 9 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 up to Rs 50, in rest 43 crafts to avail bank loan for setting-up of own handicraft production unit. During the current financial year , 1188 no of applications have been received and 199 nos of applications have been sponsored to banks. The bank wise sponsoring of application is at Annexure 26. The eligible applications are under process for sponsoring to concerned bank branches immediately after scrutiny by DICs/RICs, The Controlling Heads of Banks are requested to advise their branches to take credit decision early on receipt of applications from DICs/RICs. Modernization & Technological Up-gradation of Handicraft Industries (M.T.U.H.I). In order to enhance the productivity of the handicraft items, under the scheme Modernization & Technological Up-gradation of Handicraft Industries (M.T.U.H.I.) an amount of Rs 60 lakhs is made budgetary provision towards release of subsidy during for setting up 50 nos of Handicraft Units under the scheme. During , out of 48 cases, 26 cases have been sanctioned and subsidy released. Subsidy proposal for another 2 cases are yet to be submitted. As per guidelines, the borrower should submit the subsidy claim in the prescribed format to the concerned bank within 10 days of the first installment of disbursement of the Block capital. The concerned bank will claim the subsidy to DH&CI along with the counter signature of concerned RICs/DICs within 10 days of its receipt. The Directorate of H&CI will make final scrutiny of the subsidy proposal received from various banks within 7 days and effect release the subsidy amount. CALENDER FOR SUCCESSFUL IMPLEMENTATION OF THE SCHEME MODERNISATION & TECHNOLOGICAL UP-GRADATION OF HANDICRAFT INDUSTRIES FOR THE YEAR Sl. Subject Schedule Date Line. 1 Last date for submission of application to RICs/DICs as

25 per 2 nd advertisement 2 Selection by District Level Screening Committee & Sponsoring of eligible cases to Banks by RICs/DICs. 3 Sanction of loan by Banks Disbursement of loan by Banks Subsidy claim by Promoters to banks Subsidy claim proposal recommended by Bank/DICs & RICs to Directorate of H & CI, Odisha 7 Subsidy release to Bank by DIC/RIC Progress on sanction of fresh loan to Weavers/Entrepreneurs Under MUDRA Weavers Scheme. As against 5742 nos. of loan applications sponsored/collected by the Banks nos. of Weavers/Entrepreneurs have been sanctioned loan to the tune of lakh. The controlling Heads of some Banks have not submitted up to date information in this regard despite several persuasions made. The Bank wise/ district wise progress on sanction of loan o the Weavers/Entrepreneurs under MUDRA Scheme available with us is given at Annexure-27. 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. AGENDA NO. 10 Financing under Self Help Groups (SHGs) Performance under SHG-Bank Linkage during FY SHG Bank Linkage Bank-wise Achievement: The achievement up to June 2017 is very low as the physical achievement is only 14% and financial achievement is 15%. The bank-wise target and achievement details are in the Annexure-28. The banks whose achievement is less than 10% are Bank of Baroda, Corporation Bank, Dena Bank, Indian Overseas Bank, Oriental Bank of Commerce, Punjab National Bank, State Bank of India, Syndicate Bank, DCB Bank, Axis Bank, Federal Bank & Bandhan Bank. Interest subvention submission of Claims: In spite of prompt repayment SHGs are not getting Interest Subvention benefit because of non-submission of claims by banks, Similar is the case in previous years. 25

26 In Category- I, only 6 banks have claimed for the FY (Bank of India, Odisha Gramya Bank, Utkal Grameen Bank, State Bank of India, Punjab National Bank &Canara Bank). The details of claims submitted by banks during FY , & are in the Annexure-29. Most of the banks have not shared the list of SHG members who have received interest subvention for the FY , & In Category-II, the NEFT rejected cases are very high and banks need to reconcile the same and submit the necessary information for rectification. Expansion of Sub-Committee: Major Banks like Canara Bank, Central Bank of India, Indian Bank, Syndicate Bank, United Bank of India & Axis Bank are not the members of the Committee of SLBC on Rural Credit. It is proposed for inclusion of the above Banks in the sub-committee. OLM as Corporate BC: OLM has already signed Agreement with SBI & UGB to act as Corporate BC. OLM has identified 49 CSP locations for opening of SBI-CSP points in different Districts. UGB has created BC code in favour of OLM to act as Corporate BC. OLM has received a list of 61 unbanked GPs in sub-service areas of OGB and 63 unbanked GPs in sub-service areas of UGB to open CSP/BCA. OLM is in the process of selection of CSPs/BCA from WSHG members. 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. OLM has implemented an unique intervention of Mission 2,64 to provide multiple livelihood s option to households in 705 Gram Panchayats in the year The number has increased to households in 750 Gram Panchayats for the year The key broad contours of the mission is ensuring convergent action on livelihoods by creating enablers 1) Last mile extension through strong livelihoods community cadres 2) Aggregation, value addition & marketing through producers group company 3) Gainful employment of youth by leveraging benefit from DDGKY and RSETI 26

27 4) Risk reduction through insurance coverage 5) Prioritize credit access from community investment and Banks with interest subvention Sl N o. AGENDA NO. 11 Progress under Govt. Sponsored Programmes The performance report under PMEGP as on The State Level Bankers Committee and Khadi & Village Industries have already communicated the target under PMEGP for the year Further to that, it has also informed that the said target has to be completed by the end of September It is observed that against the target of Margin Money utilization of Rs lakhs, an amount of Rs lakhs has been utilized as on The Controlling Heads of Banks are requested to give instruction to branches to speed up the process of sanction and disbursement so that the target can be achieved and further funds will be released by the Government. The Bank wise and District wise target and achievement are given in Annexure-30. National Urban Livelihood Mission (NULM) As reported by banks, against the physical target of 6000, banks have sanctioned and disbursed 1304 and 1245 applications respectively. Rs crore has been disbursed since to Detailed Report is available at Annexure -31. NULM Target for Bank wise target for individual, group and SHG Bank linkage target are given in Annexure 32 for approval by the house. Financing under SC/ST Schemes Loan finance to SC/ST S.H.G under Bankable I.G.S. during During the financial year the Corporation has fixed target for financing Sch. Caste families through 2100 Self Help Groups, 5300 Sch. Tribes through individual and Self Help Groups 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 (till ) is given below: Nam e Of the Sect Target fixed by OSFDC No.o f No.of benef No.of applications Sponsored No.of No.of Indiv. Tot al No.of applications Sanctioned No. of No.of Indiv. Tot al No. of Application disbursed No.of Indiv. Tot al Amount disbursed Subsid y Bank Loan 27

28 or SHG SH G applic ation ben ef SH G applicat ion ben ef SH G applicat ion ben ef SC Sect ST (DTD P) TOTAL : The District-wise achievement under SC Sector is given at Annexure-33. Distribution of Target (1) Target under SC Sector for the year has already been distributed to all Collectors vide this Corporation Letter No.1970 (30) dated (2) Target under ST Sector for the year has not been distributed to districts Due to non receipt of funds from Government. 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 34. SLBC vide letter no SLBC/ODI/ 181 / dated 02/08/2017 has circulated the letter no 6505/Coop/I-CR-124/2017 dated 01/08/2017 issued by Principal Secretary, cooperation department Govt of Odisha to all Heads of Banks and LDMs for enhancing the credit linkage to Joint Liability Groups. District Collectors are also advised to review the performance of credit linkage at regular interval to ensure maximum number of tenant farmers/ share croppers/oral lessees become eligible to get the benefits. Artisan Credit Card (ACC) During the period of to , the Banks in the State have issued 28 no. of Artisan Credit Cards involving total amount of Rs crore. The balance outstanding as on is Rs crore against 7474 accounts. The Bank wise achievement is furnished in Annexure 35. Swarozgar Credit Card (SCC) 469 SCCs have been issued for the period to amounting to Rs 3.22 crore. The balance outstanding as on is Rs crore in 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 28

29 needs lot of improvement. The Bank wise achievement is furnished in Annexure 36. AGENDA NO. 12 Education Loan All Commercial Banks have disbursed Rs Crore in 1776 accounts during to The balance outstanding as on is Rs Crore in accounts. The Bank wise performance is available at Annexure 37. As on No. of Accounts Outstanding Balance Outstanding (Cr) No. of Accounts Disbursement Amount (Cr) Highlights of Kalinga Sikhya Sathi Yojana Govt. of Odisha has introduced new interest subsidy Scheme on Education Loan namely KALINGA SIKHYA SATHI YOJANA w.e.f Name of the Scheme-KALINGA SIKHYA SATHI YOJANA 2. Purpose Interest subsidy on Education Loan will be provided by Govt. of Odisha. 3. Courses to be covered: Higher studies in the field of Engineering, Medicine, Management and Integrated Law in any approved Institution in India. 4. Periodicity of loan: i) For loan amount up to Rs 7.5 lakh Repayment period is 10 Years including Moratorium Period ii) For Loans above Rs 7.5 Lakh to Rs 10 Lakh: Repayment period is 15 years including Moratorium Period. 5. Eligibility: i) Must be resident of Odisha. ii) Annual parental Income must be below Rs 6 lakh. Iii Loan amount should be up to Rs 10 lakh iv) Must have availed Education loan from any Bank in Odisha. Note1: The residential certificate shall be issued by the Revenue Officer not below the rank of Additional Tahasildar for the above purpose. Note 2: The income certificate can either be self-certified based on the copy of 29

30 the validly submitted Income Tax Returns(for parental income above Rs 4.5 lakh to below Rs 6 Lakh) / or it can be a certificate issued by Revenue Officer not below the rank of Additional Tahasildar. 6. Rate of Subsidy: Subsidy will be provided at such a rate that the net interest Payable by student % a) For student s whose parental income is up to Rs 4.5 lakh: Interest subsidy will be provided after Moratorium Period(only to those borrowers who are covered under CSIS) till closure of the loan(as the interest subsidy during moratorium period is provided by GOI under CSIS) b) For students having parental Income more than Rs 4.5 lakh to below Rs 6 lakh: Interest subsidy will be provided by Govt. of Odisha from date of disbursement till closure of the loan. Modification in Kalinga Sikhya Sathi Yojana In respect of education Loans for students of Odisha pursuing higher studies in technical/professional courses by Government of Odisha. In substitution of Para 6 of the Resolution No.22869/HE, Dated and in partial modification of Para 2 of the Corrigendum no.28402/he, dated , the following change in the Scheme will apply: Interest subsidy will be provided if the repayment of loan is regular. Temporary default in repayment of loan up to a period of 90 days is permitted for payment of interest subsidy. The interest subvention towards penal interest, if any, charged by bank for the default period will not be borne by Government. The total period of repayment as mentioned in the guideline will not be enhanced. i) If any default in repayment of loan beyond 90 days is corrected by the borrower through repayment of arrear interest and principal and the NPA a/c becomes a standard account, the benefit of interest subvention will apply from the date when the bad loan/npa again turns standard. Interest subvention towards penal interest, if any, charged by the bank will not be borne by Government. The total period of repayment as mentioned in the guide line will not be enhanced. ii) Interest subsidy shall be provided in case of fresh education loans sanctioned after The interest subsidy shall be paid to bank from which the student has availed the loan. iii) The interest subsidy during the moratorium period in respect of students with annual parental income exceeding Rs.4.50 lakh but less than Rs.6.00 lakh, i.e. those who have not been covered under Government of India Scheme, shall be borne by the Government of Odisha. 30

31 The Corrigendum shall come into force with immediate effect. All other provisions as in the aforesaid Resolution and the Corrigendum shall remain unchanged. Under KSSY, all Commercial banks have disbursed Rs 6.39 Crore in 226 accounts during 01/04/2017 to 30./06/2017. The balance outstanding as on is Rs Crore in 2050 accounts. The details are given in Annexure-38. AGENDA NO. 13 Housing Loan All Commercial Banks have disbursed Rs Crore in accounts during to The balance outstanding as on is Rs Crore in accounts. As on No. of Accounts Outstanding Balance outstanding (Amount in Rs Crore) Disbursement No. of Accounts Amount Bank wise performance as on is available at Annexure 39. Pradhan Mantri Awaas Yojana Housing for All (Urban) Credit Linked Subsidy Scheme (CLSS) Scheme was launched by Hon ble Prime Minister on 25 th June 2015 and it is a flagship programme of Govt. of India. Scheme is to provide Housing for All by Scheme is effective from till for EWS and LIG. The scheme is to be implemented in all statutory towns of India i.e out of which 116 towns are in Odisha. Later on Hon ble Prime Minister launched the scheme for MIG category on 31 st December, The scheme under this category is effective from for one year i.e. till For implementation of the scheme Govt. of India has nominated HUDCO and NHB as a Central Nodal Agency (CNA). The subsidy under the scheme will be routed through CNA. In order to avail the benefit under CLSS, the beneficiary shouldn t own any pucca house in his/her name anywhere in India. The annual income and property area to be acquired under CLSS are as under:- Particulars EWS LIG MIG-I MIG-II 31

32 Income(Rs.) Up to 3 lakhs p.a. 3-6 lakhs p.a lakhs p.a lakhs p.a. Carpet Area(sq.ft) Max Loan Amount (for calculation of 6 lakhs 6 lakhs 9 lakhs 12 lakhs subsidy)(rs.) Subsidy in the interest (%) Ownership of House Duration Female head of the household or in joint name of the male head & his wife (effective from to be implemented up to ) Female head of the household or in joint name of the male head & his wife (effective from to be implemented up to ) Property can be in the name of male or female 2017 (effective from for one year) Property can be in the name of male or female 2017 (effective from for one year) The CLSS scheme has not geared up in the State of Odisha, the various banks/fi/ HFCs/ NBFC are requested to please propagate the scheme and pass on the benefit to the eligible beneficiaries. Related papers are already been circulated among member Banks. AGENDA NO. 14 RSETI As on , 2707 rural BPL/NRLM target group youth have been trained against annual target of for the year (18% achievement) The Bank-wise performance under BPL as on is as follows. RUDSET Bank of UCO Bank SBI CBI Andhra Bank I India Bank %age Achievement 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 49%, against national average of 44%. 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. In11 numbers of RSETI the building construction has been completed. In 12 numbers of RSETI the construction is in progress. In 4 RSETIs, the construction has not yet started. 32

33 AGENDA NO. 15 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 41. AGENDA NO. 16 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 to10160beneficiaries of minority community. The outstanding balance as on is Rs crore in accounts. Bank wise performance is available at Annexure 42. AGENDA NO. 17 Disposal of loan applications under various Govt. schemes is available at Annexure 43. SLBC has already shared bank wise and branch wise pending list 33

34 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.18 Coir Board Coir Board under the Ministry of MSME, Govt. of India, is implementing different schemes for the overall sustainable development of Coir industry in India as a whole. Under these schemes, one of the most important and entrepreneurs friendly scheme REMOT presently renamed as Coir Udyami Yojana. It is a Central subsidized scheme. The pattern of assistance under the scheme comprises of 40% of the project cost as Government of India subsidy, 55% as Bank Credit and 5% as beneficiary Contribution. Earlier it was 2 lakhs & 5 Lakhs project (REMOT) and presently any Coir projects with project cost up to Rs.10 lakhs would cover under the modified Scheme of Coir Udyami Yojana (CUY). Besides this, assistance up to 25% of the project cost will be made available as Working Capital loan to the beneficiaries. Submission of Reconciliation Statements under REMOT (renamed as Coir Udyami Yojana) Scheme The representative of Coir Board informed that non submission of the reconciliation statement despite their repeated requests is creating lot of difficulties for monitoring of the schemes and to ascertain the NPA status. Coir Board is not in a position to send the report as desired by the Govt. of India on completion of 11 th & 12 th Plan due to the lack of the fully reconciled statements. It is requested that the Nodal Bank branches to provide the Reconciled Statements in full form at the earliest. 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. 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 34

35 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. AGENDA NO-19 Selection of Banks for handling Business and deposits of State Public Sector Undertakings (SPSUs) and State Level Autonomous Societies (SLASs) for the Year The parameters for empanelment of Banks for handling business of SPSUs and SLASs for the year have been revised in consultation with the Convener, SLBC and Reserve Bank of India. 2. Based on the information received from SLBC and the revised criteria (Annexure 44), Eight core parameters viz. CD ratio, agriculture & allied sector advance, MSME advance including MUDRA, branch opening in unbanked GPs(with 15% weightage each), SHG linkage, Rural Banking Network, appointment of BC/CSP in unbanked GPs and Incremental credit deployed within the State (with 10% weightage each) have been adopted for preparation of the score card. 3. According to the revised criteria for the year, , the minimum eligibility score is kept at 40% since was not a normal year for the banking sector. However, the minimum eligibility score will be reviewed after the end of the first half year and in the next financial year the minimum eligibility score would be raised to 60%. 4. However, the State Cooperative Bank, Odisha Gramya Bank and Utkal Gramya Bank are made eligible for handling Business and Deposits of State Public Sector Undertakings (SPSUs) and State Level Autonomous Societies (SLASs) as these banks substantially contribute to agricultural advances and the State Government have a share in the holdings of these banks. 5. Accordingly, following banks have been selected for handling Business & Deposits:- 1 ICICI Bank 14 HDFC Bank 2 State Bank of India 15 Indian Bank 3 Canara Bank 16 Bandhan Bank 4 Axis Bank Ltd. 17 Andhra Bank 5 Indian Overseas Bank 18 DCB Bank Ltd. 6 IDBI Bank 19 Oriental Bank of Commerce 7 Allahabad Bank 20 IndusInd Bank 35

36 8 Punjab National Bank 21 Bank of Baroda 9 Union Bank of India 22 Syndicate Bank 10 Bank of India RRBS & OSCB 11 United Bank of India 1 Utkal Gramya Bank 12 Central Bank of India 2 Odisha Gramya Bank 13 UCO Bank 3 State Cooperative Bank 6. In order to curb unhealthy competition among banks in frequent shifting of deposits from one bank to another which has a distortionary effect on their lending and other operations, it is further stipulated that any agency operating at the District and Sub-District level will obtain the approval of the Collector of the District and furnish cogent reasons for moving their deposits from one bank to another. State level agencies would be required to obtain the approval of their Governing Body/Board of Directors as the case may be for moving their deposits from one bank to another. 7. Accounts of any agency with a bank not eligible to handle business and deposits of SPSUs and SLASs in will have to be moved to eligible banks as per the list circulated herewith. 8. Administrative Departments are requested to advise the PSUs/ULBs/Development Authorities/Autonomous Societies and other Statutory Bodies under their administrative control to select their bankers from the above list of eligible banks. 9. In addition to the banks empanelled as per the eligibility criteria above, any bank which opens the first Brick and Mortar bank branch in an Unbanked Gram Panchayat will be eligible to handle the Government funds of the Gram Panchayat. As such, all the Gram Panchayats in the State will park all their Government funds in the first bank branch to be opened within the G.P. irrespective of the fact whether that bank is eligible to handle deposits of SPSUs/SLASs as per the prescribed parameters or not. 10. The State Government reserves the right to remove from the panel any bank at any time in the following circumstances a) In case the statistics submitted by the bank is found to be incorrect. b) If the bank fails to submit any report, statement or satisfactory reply to any query within such time period as set by the State Government. c) In case of proven evidence of poor customer service. AGENDA NO -20 State Horticulture Financing Floriculture Projects Directorate of Horticulture Board as well as National horticulture Board is going to take up floriculture programme i.e. cultivation of Rose, Gerbera and Orchids in 36

37 protected condition in the State on a mission mode and such projects are to be established in a cluster approach in some selected district of the State. Details of the scheme is annexed at Annexure 45. Controlling Heads of all banks are requested to sensitize their branches for active participation for successful implementation of the scheme. AGENDA NO Financial Literacy Awareness Special Camps on Going Digital As per NABARD, HO Circular No.107/DFIBT-24/ dated 04 May 2017, addressed to the Chairman/Managing Directors/Chief Executive Officers of all Commercial Banks, RRBs and DCCBs respectively, banks have been advised to submit proposals seeking grant assistance for the Going Digital special camps to the respective Regional Office of NABARD. On the basis of the said circular, on receipt of proposals from 17 DCCBs, one RRB and six Commercial Banks, NABARD has sanctioned an amount of Rs lakhs for conduct of 2025 no. of Financial Literacy Awareness Camps/Programmes under Going Digital scheme during 5-9 June 2017 to Commercial Banks/All 17 CCBs and one RRB in Odisha. The details are indicated below: Sr.No. Name of the Bank No. of Amount 1 All 17 CCBs programmes 211 Sanctioned by Odisha Gramya Bank* Uco Bank ZO, Balasore Uco Bank, ZO, BBSR Central Bank of India, RO Oriental Bank of Commercial, Canara Bank Circle Office, State Bank of India, LHO, Bank of India, ZO Keonjhar Total * 150 Special Camps for the whole year during has been sanctioned only to Odisha Gramya Bank In this connection, Concerned Banks may submit claim to NABARD for reimbursement. Further, As per RBI Circular No.22 and NABARD Circular No.107 (copies of the Circular given during LDM-DDM Meeting conducted in NABARD), the Banks (Commercial Banks, Utkal Grameen Bank and all DCCBs) may submit 37

38 proposals to NABARD, Odisha R.O. for conduct of Special Camps (one camp each month by all rural branches/flcs) on Financial Literacy Awareness programmes on Going Digital by their Rural Branches/FLCs for sanction and only after sanction the banks may conduct the camps for which support under FIF is available. Assistance under FIF for Micro ATM/Pos Machine NABARD had previously sanctioned Rs lakh for purchase of Pos/M-Pos and an amount of Rs lakh for purchase of PoS/Micro ATMs to Odisha Gramya Bank for PoS/M-Pos during Odisha Gramya Bank may indicate the status of installation of the same and upload in NABARD s ENSURE portal OSCB on behalf of all the DCCBs, Odisha Gramya Bank and Utkal Grameen Bank may submit proposal to NABARD for sanction of grant assistance under Financial Inclusion Fund for procurement of Micro ATM/PoS machine. AGENDA NO Any other issue with permission of the Chair. 38

39 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 BC Name of the No. of villages Sl District allotted Branches Other modes Fixed Locations 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 = Grand 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 %ge of Achievement

40 Sl. No. Bank Name Annexure - 1a BRANCH OPENING IN UNBANKED GRAM PANCHAYATS AS ON Target allotted Consent given for Branches BCs Total Branches BCs Total Branches BCs Total 1 Bank of Maharastra PCA 2 Central Bank of India PCA 3 Dena Bank PCA 4 IDBI Bank PCA 5 Indian Overseas Bank PCA but provided consent for BC only 6 Allahabad Bank Bank of Baroda Canara Bank ICICI Bank Indian Bank Syndicate Bank UCO Bank PCA but will open BCs 13 Union Bank United Bank of India Punjab National Bank Punjab & Sind Bank Allotted Remarks PNB shall open 30 BCs out of which 9 shall be converted to Ultra Small Branches in 6-7 months depending on viability. PNB is yet to give names of locations. Has initially agreed for no. of locations but later expressed difficulties in opening in unbanked GPs 17 Bank of India DCB Bank Ltd Awaiting HO response for Branch Expansion but gave consent for BC point Had meeting with GM on 7th August - Provided response for BC only 19 Andhra Bank DO Letter sent to their HO 20 Axis Bank Ltd DO Letter sent to their HO 21 Bandhan Bank DO Letter sent to their HO 22 Oriental Bank of DO Letter sent to their HO Commerce 23 Corporation Bank DO Letter sent to their HO 24 HDFC Bank DO Letter sent to their HO 25 South Indian Bank Ltd DO Letter sent to their HO 26 Indus Ind Bank DO Letter sent to their HO 27 City Union Bank DO Letter sent to their HO 28 Kotak Mahindra Bank Ltd DO Letter sent to their HO 29 Federal Bank Karnatak Bank Ltd Karur Vysya Bank Laxmi Vilas Bank Vijaya Bank Yes Bank Had meeting with GM on 7th August - Awaiting HO response Had meeting with GM on 7th August - Awaiting HO response Had meeting with GM on 7th August - HO response - Noted for implementation Had meeting with GM on 7th August - Awaiting HO response Had meeting with GM on 7th August - Awaiting HO response Had meeting with GM on 7th August - Did not provide its consent 35 State Bank of India* Did not provide its consent Total * SBI has given consent for opening 797 BCs out of which 425 BCs have been opened so far. 41

41

42

43

44 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 711, ,146 6,727,139 3,062,999 7,438,823 3,422,145 10,860,968 2 SPONSORED RRBs ,518,289 30,525 1,518,324 30,536 1,548,860 3 PRIVATE SECTOR BANKS 74,067 25, , , , , ,237 4 TOTAL (1+2+3) 785, ,193 8,451,348 3,500,738 9,237,134 3,884,931 13,122,065

45 SL NO NAME OF THE BANK PRADHAN MANTRI JAN DHAN YOJNA PROGRESS REPORT ON NO. OF ACCOUNTS OPENED UNDER PMJDY : UP TO Annexure - 2 NAME OF STATE:ODISHA NO OF ACCOUNTS OPENED NO. OF PMJDY TOTAL DEPOSIT OF AADHAAR SEEDED RUPAY CARD RUPAY CARD PASSBOOKS E-KYC WITHOUT TOTAL ACCOUNTS PMJDY ACCOUNTS ACCOUNTS ISSUED ACTIVATED ISSUED TOTAL WITH ZERO (Lacs) 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

46 Annexure - 3 umber 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

47 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

48 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

49 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

50 Bank wise performance under Pradhan Mantri MUDRA Yojana (PMMY) from to Bank / Financial Institution No Of A/Cs Shishu Kishore Tarun (Loans up to Rs. 50,000) (Loans from Rs. 50,001 to Rs Lakh) (Loans from Rs to Rs Lakh) Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt Public Sector Commercial Banks No Of A/Cs Sanction Amt Disbursement Amt No Of A/Cs Sanction Amt Disbursement Amt State Bank of India Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab National Bank Syndicate Bank Union Bank of India United Bank of India Punjab & Sind Bank UCO Bank Vijaya Bank IDBI Bank Limited Total Private Sector Commercial Banks Karnataka Bank Karur Vysya Bank ICICI Bank Axis Bank IndusInd Bank Yes Bank HDFC Bank DCB Bank Kotak Mahindra Bank Total Foreign Banks Citibank Total Regional Rural Banks Odisha Gramya Bank Utkal Grameen Bank Total NBFC-Micro Finance Institutions Village financial services pvt ltd Muthoot microfin ltd Spandana sphoorty financial limited Share microfin limited Asmitha microfin limited Belstar investment and finance priva Janalakshmi financial services limite 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 Annexure - 6 Total (Amt. in Crores) SURYODAY MICRO FINANCE LIMIT Total Grand Total

51 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

52 Annexure - 8 Name of the District Total Enrolments % Population Population from 5 Population Sl Total Aadhaar UID% on Balance Aadhaar 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

53 Annexure-8a

54 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

55 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

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

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 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 Total Urban Urban Annexure - 13 Grand 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

61 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

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 Term Loan Allied Advance Annexure - 15 Sl BANKS Crop Loan Water Resources Plantation Farm Mechanisation 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 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 #DIV/0! #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 #DIV/0! 34 Standard Chartered Bank #DIV/0! #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! Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Regional Rural Banks Commercial Banks Orissa State Co-Op. Bank TOTAL

64 Sl BANKS Others - Allied Total Farm Credit Storage Facilities Land Dev., Soil Conservation, Watershed Dev. Agriculture Infrastructure Others Total Agri Infra Food & Agro Processing Ancillary Ativities Total Ancillary Activities T A % T A % T A % T A % T A % T A % T A % T A % T A % Others Annexure 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 #DIV/0! #DIV/0! #DIV/0! 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 #DIV/0! Standard Chartered Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 35 The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Regional Rural Banks Commercial Banks Orissa State Co-Op. Bank TOTAL

65 Micro, Small & Medium Enterprises Annexure - 15 Sl BANKS Total Agri Micro - Manufacturing Micro - Services Small - Manufacturing Small - Services Medium - Manufacturing Medium - Services Khadi & Village Industries Others under MSME Total MSME T A % T A % 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 of India 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! 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 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! Standard Chartered Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! The South Indian Bank Ltd Yes Bank Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Regional Rural Banks Commercial Banks Orissa State Co-Op. Bank TOTAL

66 Annexure - 15 Sl BANKS Export Credit Education Housing Renewable Energy Others Social Infra TOTAL 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 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 #DIV/0! Kotak Mahindra Bank Ltd Laxmi Vilas Bank #DIV/0! Standard Chartered Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! The South Indian Bank Ltd #DIV/0! Yes Bank #DIV/0! Private Sector Banks Odisha Gramya Bank Utkal Grameen Bank Regional Rural Banks Commercial Banks Orissa State Co-Op. Bank TOTAL

67 Sl BANKS Crop Loan Water Resources Farm Mechanisation Term Loan Plantation & Horticulture Forestry & Wasteland Dev. AH-Dairy AH-Poultry Allied Advance AH - Sheep /Goat/ Piggery Annexure - 15 Fishery T A % T A % T A % T A % T A % T A % T A % T A % T A % 1 ANGUL BALASORE BARGARH BHADRAKH BOLANGIR BOUDH CUTTACK DEOGARH #DIV/0! DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPADA KEONJHAR KHORDHA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH TOTAL

68 Sl BANKS Annexure - 15 Agriculture Infrastructure Ancillary Ativities Others - Allied Total Farm Credit Land Dev., Soil Storage Facilities Conservation, Others Total Agri Infra Food & Agro Processing Others Total Ancillary Activities Watershed Dev. T A % T A % T A % T A % T A % T A % T A % T A % T A % 1 ANGUL BALASORE BARGARH BHADRAKH BOLANGIR BOUDH CUTTACK DEOGARH DHENKANAL GAJAPATI #DIV/0! #DIV/0! GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPADA KEONJHAR KHORDHA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR #DIV/0! NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 30 SUNDARGARH TOTAL

69 Sl BANKS Total Agri Micro, Small & Medium Enterprises Micro - Manufacturing Micro - Services Small - Manufacturing Small - Services Medium - Manufacturing Medium - Services Khadi & Village Industries Others under MSME Annexure - 15 Total MSME T A % T A % T A % T A % T A % T A % T A % T A % T A % T A % 1 ANGUL BALASORE BARGARH BHADRAKH BOLANGIR BOUDH CUTTACK DEOGARH #DIV/0! #DIV/0! #DIV/0! #DIV/0! DHENKANAL GAJAPATI GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA KALAHANDI KANDHAMAL KENDRAPADA KEONJHAR KHORDHA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR ### NAYAGARH NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR SUNDARGARH TOTAL

70 Annexure - 15 Sl BANKS Export Credit Education Housing Renewable Energy Others Social Infra TOTAL T A % T A % T A % T A % T A % T A % T A % 1 ANGUL BALASORE BARGARH #DIV/0! BHADRAKH BOLANGIR BOUDH CUTTACK DEOGARH #DIV/0! #DIV/0! DHENKANAL GAJAPATI #DIV/0! GANJAM JAGATSINGHPUR JAJPUR JHARSUGUDA #DIV/0! KALAHANDI KANDHAMAL KENDRAPADA KEONJHAR KHORDHA KORAPUT MALKANGIRI MAYURBHANJ NABARANGPUR #DIV/0! #DIV/0! #DIV/0! NAYAGARH #DIV/0! NUAPADA PURI RAYAGADA SAMBALPUR SONEPUR #DIV/0! #DIV/0! SUNDARGARH TOTAL

71 NPA Position as on under various sectors Sl Bank Name Amount Amount Short Term Crop Loan Agriculture Term Loans Allied Activities Advances Total Agriculture Advance(Direct) Outstanding NPA Outstanding NPA Outstanding NPA Outstanding NPA % of NPA to total Outstanding Amount Amount % of NPA to total Outstanding Amount Amount % of NPA to total Outstanding Amount Amount Annexure - 16 Amt in Crores % of NPA to total Outstanding 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra #DIV/0! #DIV/0! #DIV/0! #DIV/0! 6 Canara Bank Central Bank of India Corporation Bank #DIV/0! Dena Bank IDBI Bank Indian Bank #DIV/0! Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank #DIV/0! 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! City Union Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! 25 DCB Bank Ltd Federal Bank #DIV/0! HDFC Bank ICICI Bank #DIV/0! Indus Ind Bank #DIV/0! #DIV/0! Karnatak Bank Ltd #DIV/0! #DIV/0! Karur Vysya Bank #DIV/0! #DIV/0! #DIV/0! 32 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 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

72 Sl Bank Name NPA Position as on under various sectors MSME Sector Advance Education Loan Advance Housing Loan Advance Other Priority Sector Advance Outstanding NPA Outstanding NPA Outstanding NPA Outstanding NPA 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 % of NPA to total Outstanding 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra #DIV/0! 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 #DIV/0! City Union Bank #DIV/0! #DIV/0! 25 DCB Bank Ltd #DIV/0! 26 Federal Bank HDFC Bank ICICI Bank Indus Ind Bank #DIV/0! #DIV/0! 30 Karnatak Bank Ltd #DIV/0! #DIV/0! 31 Karur Vysya Bank #DIV/0! #DIV/0! 32 Kotak Mahindra Bank Ltd #DIV/0! #DIV/0! #DIV/0! 33 Laxmi Vilas Bank #DIV/0! Standard Chartered Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! 35 The South Indian Bank Ltd #DIV/0! #DIV/0! 36 Yes Bank #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 Grand Total

73 Sl NPA Position as on under various sectors Bank Name 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 Total Advance Amt Annexure - 16 Amt in Crores 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 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

74 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 #DIV/0! Bank of Baroda #DIV/0! Bank of India #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! #DIV/0! 9 Dena Bank #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! #DIV/0! #DIV/0! 14 Punjab & Sind Bank #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! #DIV/0! Vijaya Bank #DIV/0! Total Public Sector Banks Axis Bank Ltd #DIV/0! #DIV/0! #DIV/0! #DIV/0! Bandhan Bank #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! 26 Federal Bank #DIV/0! #DIV/0! #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! Total Private Sector Banks #DIV/0! Odisha Gramya Bank #DIV/0! #DIV/0! 38 Utkal Grameen Bank #DIV/0! #DIV/0! #DIV/0! Total Of RRBs #DIV/0! #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

75 Sl.No BankName Sector / Scheme wise Recovery / Overdue position as on Total Demand for Recovery Crop Loan Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected Annexure Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra #DIV/0! #DIV/0! #DIV/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! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 9 Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce #DIV/0! #DIV/0! #DIV/0! #DIV/0! 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 Bank Axis Bank Ltd Bandhan Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! City Union Bank #DIV/0! #DIV/0! #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! #DIV/0! #DIV/0! 26 Federal Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 27 HDFC Bank #DIV/0! #DIV/0! ICICI Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 29 Indus Ind Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! Karnatak Bank Ltd #DIV/0! #DIV/0! #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! #DIV/0! #DIV/0! 32 Kotak Mahindra Bank Ltd #DIV/0! #DIV/0! #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! #DIV/0! #DIV/0! 34 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! #DIV/0! #DIV/0! 36 Yes Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! Total Private Sector Bank Odisha Gramya Bank Utkal Grameen Bank Total RRBs Total Commercial Bank Amount in Crores Agriculture Term Loan Allied activities advances Total Agriculture advance % Of Recovery % Of Overdue Orissa State Co-Op. Bank #DIV/0! #DIV/0! #DIV/0! #DIV/0! Grand Total

76 Sl.No BankName 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 of India 20 United Bank of India 21 Vijaya Bank Total Public Sector Bank 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 Total Private Sector Bank 37 Odisha Gramya Bank 38 Utkal Grameen Bank Total RRBs Total Commercial Bank 39 Orissa State Co-Op. Bank Grand Total Total Demand for Recovery Amount Collected Sector / Scheme wise Recovery / Overdue position as on % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected Annexure - 16 Amount in Crores MSME Sector Advance Education loan Advance Housing loan Advance Other Priority Sector Advance % Of Recovery % Of Overdue #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! #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! #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! #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! #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! #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! #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! #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! #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!

77 Sl.No BankName 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 of India 20 United Bank of India 21 Vijaya Bank Total Public Sector Bank 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 Total Private Sector Bank 37 Odisha Gramya Bank 38 Utkal Grameen Bank Total RRBs Total Commercial Bank 39 Orissa State Co-Op. Bank Grand Total Total Demand for Recovery Annexure - 16 Sector / Scheme wise Recovery / Overdue position as on Amount in Crores Total Priority Sector Non Priority Sector Loans Total Advance Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected % Of Recovery % Of Overdue #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! #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! #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! #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! #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! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

78 Sl.No BankName 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 of India 20 United Bank of India 21 Vijaya Bank Total Public Sector Bank 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 Total Private Sector Bank 37 Odisha Gramya Bank 38 Utkal Grameen Bank Total RRBs Total Commercial Bank 39 Orissa State Co-Op. Bank Grand Total Total Demand for Recovery SHG Amount Collected % Of Recovery Sector / Scheme wise Recovery / Overdue position as on % Of Overdue Total Demand for Recovery PMRY/PMEGP Amount Collected % Of Recovery % Of Overdue Total Demand for Recovery Amount Collected SJSRY % Of Recovery % Of Overdue Total Demand for Recovery Amount Collecte d % Of Recovery % Of Overdue Total Demand for Recovery #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! #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! #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! #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! #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! #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! #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! #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! #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! #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! #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! #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! #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! #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! #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! #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! #DIV/0! #DIV/0! #DIV/0! #DIV/0! WCC Amount Collect ed DRI Annexure - 16 Amount in Crores % Of Recovery % Of Overdue

79 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 < 1yr. Pending Age-wise 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 GRAND TOTAL

80 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

81 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

82 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 Punjab National Bank Cuttack Corporation Bank Balasore Indian Overseas Bank Jagatsinghpur UCO Bank Ganjam Syndicate Bank Puri Odisha Gramya Bank Sundargarh United Bank of India Jajpur HDFC Bank Nayagarh Bank of India Kalahandi Allahabad Bank Bargarh State Bank of India Dhenkanal Indian Bank Jharsuguda Bank Of Baroda Bolangir Central Bank of India Sambalpur Andhra Bank Angul Union Bank Gajapati State Bank of Mysore Kendrapara Bank of Maharastra Bhadrak Canara Bank Keonjhar IDBI Bank Mayurbhanj TOTAL Deogarh Koraput Rayagada TOTAL Annexure - 18

83 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

84 Sl. No. Credit Flow to Micro,Small & Medium Enterprises(MSME)Sectors-Balance Outstanding as on 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 Annexure Odisha Gramya Bank Utkal Gramya Bank Total of RRBs Total Commercial Banks Orissa State Co-Op. Bank Grand Total No. of Branches Amount in Crores Micro Enterprises Small Enterprises Medium Enterprises Total MSME Sector

85 Sl. No. CREDIT FLOW TO MSME(MANUFACTURING)SECTOR FOR THE QUARTER ENDED JUNE 2017 Name of Bank MICRO ENTERPRISES (MANUFACTURING) No of cases Balance disbursed Outstanding SMALL ENTERPRISES (MANUFACTURING) No of cases Balance disbursed 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

86 CREDIT FLOW TO MSME(SERVICES)SECTOR FOR THE QUARTER ENDED JUNE 2017 MICRO ENTERPRISES SMALL ENTERPRISES MEDIUM ENTERPRISES TOTAL MSME Annexure - 19 Amount in Crores 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 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

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

88 Sl Name Of Bank 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank 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 Financing under Agriculture as on Target ( ) Annexure - 21 Amt in Crores Crop Loan Agricultural Term Loan Disbursement Disbursement Balance Outstanding as Balance Outstanding as ( to Target ( to on on ) ( ) ) No Amt No Amt No Amt No Amt

89 Sl FINANCING UNDER KISSAN CREDIT CARD SCHEME UP TO Name of Bank Annexure 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 Total amount disbursed in No. of KCCs issued from KCC(Fresh+Existing)during Balance O/S as on to to A/c Amt. A/c Amt A/c Amt Odisha Gramya Bank Utkal Grameen Bank RRBs Commercial Banks (Amount in Crores) Orissa State Co-Op. Bank TOTAL

90 Sl Name of Bank Financing under various Allied Agriculture schemes as on Dairy(Including DEDS) Poultry Fishery Others(Goatery,Piggery etc.) Disbursement ( to Disbursement ( to Disbursement ( 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

91

92

93

94

95

96

97

98

99 Sl. Progress of Bank wise/sponsored/ Reject/ Sanction/ finance/pending of sponsored cases under FFDA for Name of the Bank. Cases pending as on UPTO ABSTRACT Area in Ha. & Amount in lakhs Sponsored during Total Annexure - 25 Reject balance accepted Cases sanctioned Cases financed Balance pending. No. Area Amount No. Area Amount No. Area Amount No. Area Amount No. Area Amount No. Area Amount No. Area Amount No. Area Amo- unt State Bank of India UCO Bank Bank of India Syndicate Bank United Bank of India OSCB Andhra Bank Union Bank of India Bank of Baroda Indian bank Indian Overseas Bank Allahabad Bank Canara Bank Central Bank of India Utkal Grameen Bank Punjab National Bank Axis Bank Dena Bank IDBI Bank Oriental Bank of Commerce Karnataka Bank ICICI Bank HDFC Bank Vijaya Bank Corporation Bank Federal Bank Indusind Total * Source: Fisheries Department, Odisha

100 Sl Annexure - 26 Bank wise report on Silpi Unnati Yojana as on for FY No. of Applications Name of DIC / RIC Sponsored Sanctioned Disbursed Pending 1 Andhra Bank Allahabad Bank Bank of India Bank of Baroda Canara Bank Central Bank of India Corporation Bank HDFC Bank Indian Bank Indian Overseas Bank Odisha Gramya Bank State Bank of India Syndicate Bank Utkal Grameen Bank UCO Bank United Bank of India TOTAL

101 Sl. No. Annexure-27 Bank wise information on MUDRA Weavers Scheme (Up to Jun'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 Grand Total * Source : Directorate of Textiles, Odisha

102 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

103 Bank wise Achievement under Self Help Groups for the Quarter from to Annexure - 28 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 Odisha Gramya Bank IDBI Bank Canara Bank HDFC Bank Bank of India OSCB Utkal Grameen Bank Andhra Bank United Bank of India Central Bank of India Union Bank of India Allahabad Bank Indian Bank ICICI Bank UCO Bank Indian Overseas Bank Bank of Baroda State Bank of India Syndicate Bank Federal Bank Punjab National Bank Dena Bank Axis Bank Bandhan Bank Corporation Bank Oriental Bank of Commerce DCB Bank Vijaya Bank IndusInd Bank Punjab & Sind Bank TOTAL

104 Annexure - 29 SHG-INTEREST SUBVENTION CLAIMS SUBMITTED BY BANKS DURING FY , & SNO BANK Add 1% NO OF A/C AMOUNT NO OF A/C AMOUNT NO OF A/C AMOUNT 1 SYNDICATE BANK 247 1,17, NOT SUBMITTED 2 ALLAHABAD BANK 29 64, BANK OF INDIA 656 3,56,762 NOT SUBMITTED ,42,156 4 PUNJAB NATIONAL BANK 78 5, ,14,016 1,57,008 5 UNION BANK , NOT SUBMITTED 6 INDIAN OVERSEAS BANK ,22,869 NOT SUBMITTED NOT SUBMITTED 7 STATE BANK OF INDIA , ,93,797 8 ODISHA GRAMYA BANK ,30, ,81,866 9 UTKAL GRAMEEN BANK ,66, ANDHRA BANK ,99,618 NOT SUBMITTED NOT SUBMITTED 11 BANK OF BARODA NOT SUBMITTED 12 BANK OF MAHARASHTRA NOT SUBMITTED NOT SUBMITTED NOT SUBMITTED 13 CANARA BANK NOT SUBMITTED ,72,176 1,36, CENTRAL BANK OF INDIA NOT SUBMITTED 15 CORPORATION BANK NOT SUBMITTED NOT SUBMITTED NOT SUBMITTED 16 DENA BANK NOT SUBMITTED NOT SUBMITTED NOT SUBMITTED 17 INDIAN BANK NOT SUBMITTED NOT SUBMITTED NOT SUBMITTED 18 ORIENTAL BANK OF COMMERCE NOT SUBMITTED NOT SUBMITTED NOT SUBMITTED 19 PUNJAB & SIND BANK NOT SUBMITTED NOT SUBMITTED NOT SUBMITTED 20 STATE BANK OF BIKANER & JAIPUR NOT SUBMITTED NOT SUBMITTED NOT SUBMITTED 21 STATE BANK OF HYDERABAD NOT SUBMITTED NOT SUBMITTED NOT SUBMITTED 22 STATE BANK OF MYSORE NOT SUBMITTED NOT SUBMITTED NOT SUBMITTED 23 STATE BANK OF PATIALA NOT SUBMITTED NOT SUBMITTED NOT SUBMITTED 24 STATE BANK OF TRAVANCORE NOT SUBMITTED NOT SUBMITTED NOT SUBMITTED 25 UCO BANK NOT SUBMITTED 8111 NOT SUBMITTED 26 UNITED BANK OF INDIA NOT SUBMITTED NOT SUBMITTED NOT SUBMITTED 27 VIJAYA BANK NOT SUBMITTED NOT SUBMITTED NOT SUBMITTED 28 IDBI BANK NOT SUBMITTED NOT SUBMITTED NOT SUBMITTED ,23, ,77,157

105 Sr. No. Annexure- 30 Bankwise performance under PMEGP for the year as on Name of the Banks Target Achievemnt % in achievement aginst target No. of M.M. Projects (Rs. in lakh) Emplo yment NO. of Projects Public Sector Banks M.M. (Rs. in lakh) Emplo yment NO. of Projects M.M. (Rs. in lakh) Employ ment 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra #DIV/0! #DIV/0! #DIV/0! 6 Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce 14 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 1 Axis Bank HDFC Bank ICICI Bank Indus Ind Bank RRBs 1 Odisha Gramya Bank Utkal Grameen Bank Total

106 Annexure- 30 District wise performance under PMEGP for the year as on Sr. No. Name of the District TARGET ACHIEVEMENT % in achievement aginst target No. of Projects M.M. (Rs. in lakh) Emplo yment NO. of Projects M.M. (Rs. in lakh) Emplo yment NO. of Projects M.M. (Rs. in lakh) Emplo yment 1 Angul Balasore Bargarh Bhadrak Bolangir Boudh Cuttack Deogarh Dhenkanal Gajapati Ganjam J.S.Pur Jajpur Jharsuguda Kalahandi Kandhmal Kendrapara Keonjhar Khurda Koraput Malkangiri Mayurbhanj Nowrangpur Nayagarh Nuapada Puri Rayagada Sambalpur Subarnpur Sundergarh TOTAL

107 Progress under NULM on Annexure - 31 Amount in Crores Sl No. Name of Bank Cases sponsored since to Cases sanctioned since till Cases disbursed since till Balance Outstanding as on 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 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

108 NULM Target for FY Sl Bank SEP-I SEP-G Annexure - 32 SHG Bank Linkage 1 State Bank of India Bank of India Punjab National Bank UCO Bank Andhra Bank Canara Bank Union Bank of India Axis Bank Ltd Bank of Baroda ICICI Bank Indian Overseas Bank Central Bank of India HDFC Bank Indian Bank Odisha Gramya Bank United Bank of India Allahabad Bank Syndicate Bank Oriental Bank of Commerce IDBI Bank Corporation Bank Utkal Grameen Bank Orissa State Co-Op. Bank Vijaya Bank Dena Bank Bank of Maharastra Punjab & Sind Bank Federal Bank Bandhan Bank DCB Bank Ltd Indus Ind Bank Karnatak Bank Ltd Kotak Mahindra Bank Ltd Karur Vysya Bank Yes Bank TOTAL

109 Annexure 33

110 Sl No. Financing under Joint Liability Groups (JLG) as on Name of Bank Annexure - 34 Amount in Crores Applications Application Physical Balance Sanctioned from Disbursed from Out of which, Balance Target Outstanding as on to to Repeat Assistance Outstanding ( ) A/C A/c Amt. A/c Amt A/c Amt A/c 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 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

111 PROGRESS UNDER ARTISAN CREDIT CARD AS OF Annexure - 35 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

112 Sl No. PROGRESS UNDER SWAROZGAR CREDIT CARD AS OF Name of Bank Disbursement made from to Annexure - 36 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

113 Sl Name of Bank 1 Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank IDBI Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank State Bank of India Syndicate Bank UCO Bank Union Bank United Bank of India Vijaya Bank Public Sector Banks 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 Disbursement from Balance O/S as Amount Of Disbursement from Balance O/S as Amount Of Disbursement from Balance O/S as to on Interest subsidy to on Interest subsidy to on A/C Amt A/C Amt received A/C Amt A/C Amt received A/C Amt A/C Amt Orissa State Co-Op. Bank TOTAL PROGRESS UNDER EDUCATION LOAN AS OF Loan amount less than 10 lacs Loan amount more than 10 lacs TOTAL Annexure - 37 Amount in Crores Amount Of Interest subsidy received

114 Sl No. Performance under Kalinga Sathi Sikhya Yojana as on Disbursement made during the current year ( to Name of Bank Annexure - 38 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 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 A.Total of Commercial Banks Orissa State Co-Op. Bank Total of Coops GRAND TOTAL

115 Sl No. Annexure - 39 PERFORMANCE UNDER HOUSING LOAN as on (Amount in Crores) 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 Name of Bank

116 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 Programs Candidates Programs Candidates %age Target Achievement %age 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 BPL AAP

117 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

118 RSETI Residential Training & Building Construction Status Annexure - 40 S No Sponsoring Bank Districts RSETI Grading for Residential Issue of Permissive Building Construction Training Facility Possession Status Angul AA YES YES Not Started Balasore AA YES YES Completed Bhadrak AA No YES Started 1 UCO Bank Cuttack AA No NO Land To Be Alloted Dhenkanal AA YES NO Land To Be Alloted Jagatsinghpur AB 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 AB YES YES Started Malkangiri AB 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 Started 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

119 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 INDIAN OVERSEAS BANK ANGUL ANDHRA BANK KEONJHAR PUNJAB NATIONAL BANK GANJAM CANARA BANK MAYURBHANJ ORIENTAL BANK OF COMMERCE JAGATSINGHPUR UNION BANK OF INDIA PURI INDIAN BANK JAJPUR BANK OF BARODA KALAHANDI SYNDICATE BANK SAMBALPUR ALLAHABAD BANK BHADRAKH UCO BANK DHENKANAL CORPORATION BANK BALASORE CENTRAL BANK OF INDIA KENDRAPARA UNITED BANK OF INDIA RAYAGADA BANK OF MAHARASHTRA JHARSUGUDA VIJAYA BANK BOLANGIR KARNATAKA BANK LTD SONEPUR DENA BANK KORAPUT PUNJAB & SIND BANK NAYAGARH IDBI BANK LTD KANDHAMAL S.I.D.B.I BARGARH AXIS BANK LIMITED BOUDH THE SOUTH INDIAN BANK LIMITED NUAPADA NABARANGPUR GAJAPATI DEOGARH MALKANGIRI Total CGTMSE - Odisha ( to ) Total

120 Sl Name of Bank 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 14 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 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 Balance outstanding as on 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 ) 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

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 ) 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

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 ) 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

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 ) 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

125 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

126 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 ## ##

127 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

128 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

129 Annexure 44 Eligibility Criteria for handling Business and Deposits of State Public Sector Undertakings (SPSU) and State Level Autonomous Societies (SLAS) SCORE CARD (For panel year , the Scores will be based on banking statistics as on 31stMarch, 2017) Sl Parameter & Range Score Remarks 1 CD Ratio(for loans sanctioned & disbursed within the State) (max 15 marks) Below 20% 0 >=20 % <40% 6 >=40 % <60% 9 >=60 % <80 % 12 >=80 % 15 2 Agriculture & Allied sector Advance Achievement (As % of Target) (max 15 marks) Below 20% 0 >=20 % < 40 % 6 >=40 % <60 % 9 >=60 % <80 % 12 >=80 % 15 3 MSME Advance (including MUDRA) Achievement (As % of Target) (max 15 marks) Below 20% 0 >=20 % < 40 % 6 >=40 % <60 % 9 >=60 % <80 % 12 >=80 % 15 4 Branch Opening in Unbanked GPs (% of the GPs allotted to the bank) (max 15 marks) = 0% 0 >0 %<10% 2 >=10 % <30 % 4 >=30 % <50 % 7 >=50 % <70 % 10 >=70 % 15 5 SHG Linkage (% of Target achieved) (max 10 marks) Below 10% 0 >=10 % < 30 % 3 >=30% <50 % 6 >=50 % <70 % 8 >=70 % 10 GPs having either a Brick & Mortar bank branch or Fixed BC/CSP with Micro ATM located within the GPs will be considered 6 Rural Branch Network (in numbers) (max 10 marks) to 49 branches 2 50 to 99 branches to 199 branches to 499 branches 8

130 =>500 branches 10 7 Appointing BC/ CSP in Unbanked GPs (% of GPs allotted to the bank) (max 10 marks) Below 10% 0 >=10 % <30 % 3 >=30 % <50 % 6 >=50 % <70 % 8 >=70 % 10 8 Incremental credit deployed within the State (Difference between outstanding credit on 31 st March, 2017 and 31 st March, 2016) (max 10 marks) <= 0 0 >0 < 200 crore 2 >=200 <500crore 4 >=500<1000crore 6 >=1000 <2000 crore 8 >=2000 crore 10

131 PATTERN OF ASSISTANCE UND R PROTECTEO CULTIVATION, ODISHA SI No Component Area CosVsqm Subsidy (MIDH) Subsidy (Agril Policy) 11 f noty I f greenhouse fwith fan & pad lsystem 2 )oly greenhouse Naturatty /entilated) Up to 500 m2 r.650 l500/6 20a/o > m > A m2 142A >2A m LJp to 500 m2 r060 50o/o 20o/o > m2 935 > mz 890 &$ - 4ooo m Net House /sqm 50e/o 20o/o of Rs /Sqm 4 GH Bamboo 1l5Q-00/som 5 run Bamboo /sqm 50Vo 6 Plastic Tunnel 6Q-00/Sqrn \oo/n ZQo/o 20o/o 7 Antibird net 15.00/sam 50o/o 8 Walk-in Tunnel /sqm 5Ue/o 9 Plastic Mulching 32000/ha 50o/o limited to 2 ha per beneficiary 20Vo of ns:,2000o per ha 10 Cultivation of t'egetables in 3H/run 11 Cultivation of roses/lilium in GH/wU t2 Cultivation of Gerbera/Carnat ion in GH/fVft 13 Cultivation of Orchids/Anthuri um in GHINH Vsqm 50o/o 20Vo /sqm 5Qo/o 20o/o /sqm 50o/o 20o/o /uu.uu/ssqm 50o/o 20a/o

132 q, ip a! E t o o f o tr o*, vl zg 3 F ri EC o z Fttt ol' 6Etl EI 5l FI sl EI hl f,i bl lr,t I 5l EI 4l zl ]U ll tl 3t: l- l, -tl 3t: 9k GT oti d 1.1

133 Data on MSME Annexure - 20 (A) Bank Total in MSME FY FY (Up to ) Amt. in 'Crores' S.N. Bank Name Target as per ACP Fresh Units sanctione d (A/Cs) Amount Sanctioned to Fresh Units Amount Disbursed to fresh Units Target as per ACP Fresh Units sanctione d (A/Cs) Amount Sanctione d to Fresh Units Amount Disbursed to fresh Units 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 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

134 S.N. Bank Name Data on Mudra Target Fresh Units sanctione d (A/Cs) Amount Sanctione d to Fresh Units Amount Disbursed to fresh Units Fresh Units sanction ed (A/Cs) Amount Sanctione d to Fresh Units Amount Disbursed to fresh Units 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 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 0.00 Amt. in 'Crores' Bank Wise Total FY FY (Up to ) Total

135 SUCCESS STORY I Gouranga Chandra Behera belonged to a poor vulnerable family of Delanga village of Puri District. His father was a daily labourer and was unable to feed his children. Due to very poor miserable condition of the family, Gouranga had to leave his studies in the middle of his schooling. At the age of 18, he was forced to migrate to capital city in search of job / employment. Initially he used to live in railway platform / bus stand and finally settled in a slum by doing different petty jobs on daily wage basis. For better earnings Gouranga started different seasonal business, vegetable business on road sides. Further for full utilization of his time & capacity he started business as a newspaper hawker especially in morning time. Gouranga who struggled a lot for his survival and experienced himself by involving in different miniature works. In this process he used to learn on various aspects of entrepreneurship. He searched for some formal institution for his overall development. He collected information on RUDSETI from a newspaper reader (his client). He contacted RUDSETI officials and got motivated for entrepreneurship during his counseling. After his counseling at RUDSETI he decided to expand his business to Kabadia shop by collecting old news paper & unused household items. This business boosted him to go ahead instead of looking back. As per the advice of RUDSETI he approached DIC for a PMEGP scheme. By the intervention of RUDSETI he got selected in the scheme by DIC for Press Khali (Dona Pattal) making unit. He got a scope to undergo PMEGP training at RUDSETI. He got himself motivated a lot during training period at RUDSETI and acquired all required competencies for entrepreneurship. Finally he got finance of Rs 5 Lakhs from Andhra Bank under the scheme. Presently his earning is about Rs 25,000/- to Rs 30,000/- per month. He has employed 2 boys on regular basis and 5 women on contact basis. Even during season time he also hires more labourer and earns more profit. His persisting quality and high level competencies for entrepreneurship helped him to taste success. He showers praise on organisations who have helped him to be established & pursue his venture. Source of fund and utilization (Amount in Rs.) Investment Amount Source Amount Machinery & 3,00, Own fund 25, Equipments Furniture & Fixure 50, Working Capital 1,50, Bank Finance 4,75, Total 5,00, Total 5,00, Total monthly net income after all expenditure = Rs. 25,000/- (Rupees Twenty Five Thousand Only) approx.

136 SUCCESS STORY II Biswajeet Roul, son of Brundaban Roul of Kuanrapur village of sadar block. Due to poor family he had not got a chance to study more. His father is a farmer and his mother is a housewife. They earn their livelihood by farming. He had little knowledge on mobile repairing. He wanted to have a technical training on mobile repairing. Once he came to know about the RSETI by an awareness programme which was held in his village. By attending the awareness camp he knew about various training programmes provided by the RSETI. He registered his name for mobile repairing training. After a few weeks he got the chance to attend the training on mobile repairing. He learned a lot on the proper technique and process and got a fair idea about all the instrument from the professional expert at RSETI. After completion of training he opened a small mobile shop in his village with few mobile accessories. He faced little problem initially to set up his business properly but in later he handled all the things. Now he is earning 10000/- from his shop. Trained at UCO RSETI,Balasore Trained in Mobile Repairing Name of the Enterprise - Mobile Shop Mobile No Date of commencement OCTOBER 2015 Bank financed 50000/- Name of the Bank Oriental Bank of Commerce Monthly Income 10000/-

137 SUCCESS STORY III M/S MAA JAY DURGA FURNITURE, PROP.- ANANTA CHARAN MOHARANA Ananta born to a farmer family in the village of Panichatra of Khorda block limit is now a proud RUDSETI trained entrepreneur. Shri Bhaskar Moharana, is a farmer with Ananta as only son & 2 daughter lives in the village. The main livelihood activity of the family is agriculture & allied activities. Ananta, a school dropout did not evince interest in the study and at the age of 15, he was motivated by his uncle to go for work. His uncle was a carpenter by profession & took Ananta with him to Bhubaneswar. He stayed there for years & was quick to learn the furniture work. After getting experienced enough, he decided to start a furniture workshop at his village. But without adequate funding support, he could not start his dream shop. Then, he engaged himself in repairing of old furniture from door to door in the village. In the mean time, he developed a good customer base in the vicinity of the said village. Many a time, customer suggested Ananta to go for new furniture workshop. With all the motivation from customer, especially with a reference from a known customer of UCO Bank, Khorda, He stepped in to the Bank & discussed the proposal of having a new furniture workshop with the Branch Manager. By looking at the entrepreneurial ability of Ananta, UCO Bank, Khorda assured him Bank finance under PMEGP scheme during the year Ananata, then applied PMEGP at Khadi & Village Industries Commission & got him selected under the scheme. UCO Bank, Khorda, then sponsored his name to RUDSETI for 2 weeks PMEGP training. He had undergone EDP training in the Batch No.420/2015 from to at our Institute. He then successfully completed the training. After completing the documentation, UCO Bank, Khorda had sanctioned & disbursed him a loan of Rs.5.0 Lakhs. Ananta then established the farm in name & style of M/s Maa Jay Durga Furniture at the outskirts of Panichatra village. The beauty of the enterprise is that, he has given employment to 5 persons. During follow up, it was observed that the entrepreneurial inputs are being implemented by Ananta. After training he had executed contract work amounting to Rs Lakhs which is a proud moment for all of us. The loan repayment is very regular as well as customer relationship is very amiable as noticed by the Institute. He owe his success to RUDSETI & UCO Bank, Khorda for timely intervention in his life. He is presently getting a monthly income of Rs.30000/- (approx.) per month. He managed his family consist of father, mother, wife & a daughter well in the village. He thanked his customers first without him the journey is not possible.

138 SUCCESS STORY IV Shri Shibnarayan Moharana has setup his own shop at- Modipara, Sambalpur during the month of April-2012 named M/s- Shiba Traders. He is doing all printing Jobs like Screen Printing, Stamp Making, Flex Board Making, Offset, Multicolour, Identity Card, Marriage card sale & Printing etc. and earning Rs.25000/- To Rs.35000/- PM. He is the old customers of Canara Bank Sambalpur and maintained satisfactory SB Account since 5 Years. Due to his cordial relationship with the Bank the Canara Bank, Sambalpur Branch has sanctioned Cash credit limit of Rs /- during the month of Sept Due to his well behave with the customers and keeping his promise for delivery of order promptly he is getting huge order not from the individual but from other Govt. Dept. and corporate as result he could provide employment to 8 Persons in his unit and generating employment opportunity. He is very much impressed by the teaching pattern of RSETI which is not only motivated him but increase his self confidence. He also motivate others to undergo training at RSETI. His wife Kalpana Maharana has under gone training at SBRSETI, Sambalpur for EDP on Tailoring/Dress Designing for Ladies from to and she is in the process of starting her own venture readymade dress manufacturing very shortly. He thanked RSETI, Sambalpur for their guidance and cooperation and he feel proud for his success and achievement. Source of fund and utilization (Amount in Rs.) Investment Amount Source Amount Land (Rented) 1,00,000 Own Fund 2,00,000 Plant and 4,00,000 Friends and 3,00,000 Machinery Relatives Working Capital 5,00,000 Bank Finance 5,00,000 Total 10,00,000 Total 10,00,000