1 4TH MEETING OF STEERING COMMITTEE TO SLBC (PUNJAB) FOR 2014-15 The 4th meeting of Steering Committee to SLBC (Punjab) for the year 2014-15 to discuss the data for quarter ended December-2014 would be held on 29.01.2015 at 04.00.PM. in Conference Room, Field General Manager office, 1st floor, PNB House, Sector-17B, Chandigarh. Following issues shall be taken up for discussions in the meeting:Item No. 1 Confirmation of Minutes of 3rd Meeting of Steering Committee to SLBC (Punjab) for 2014-15 held on 28.10.2014. Last meeting of Steering Committee 3rd (2014-15) Held On 28.10.2014 Minutes e-mailed/Circulated On 31.10.2014 Comments received NIL  No comments were received from any quarter. The house may confirm the circulated minutes. Item No. 2 Pradhan Mantri Jan Dhan Yojana Pradhan Mantri Jan Dhan Yojana which envisages, Accidental Insurance of Rs.1 lac, Life Insurance cover of Rs.30000/-, Issuance of Rupay Debit Card to every account holder, was announced on 15.08.2014 by Hon'ble Prime Minister of India, and a State Level Mega Function was held on 28.08.2014 in Punjab by Hon'ble Chief 2 Minister at Ludhiana. In order to cover 5476724 households in the State, a door to door survey was conducted by the Banks with the help of State Government In the survey, it was found that 4573705 households were already having bank accounts and 863524 households were to be covered. With the active support and guidance of the State Govt, State has been declared as saturated on 08.12.2014 and to cover the entire households and to create awareness among the public for PMJDY Scheme, the banks in the State of Punjab organized 40481 camps. In these camps 3237660 accounts were opened covering the entire households in the State. Rupay cards have been issued in 1864888 accounts. All the villages in the State has to be covered through 4170 SSAs allocated to different Banks and in Urban Areas the same has to be covered by covering the same in 2405 wards. Dy. Director, UIDAI vide their email dated 06.01.2015 have informed that Bank wise account opening and Aadhaar Seeding is sent to all the banks with a request to increase Aadhaar Seeding at least upto 90%. States overall Aadhaar seeding is 67%. Convener Bank has also sent the list to the member banks and has requested to increase Aadhaar Seeding in the accounts. Controlling heads of all the banks/LDMs are requested to ensure coverage of SSAs and wards for ensuring banking services to all the households in the State. Item No. 2(i) Special DCC meeting- Tallying of SSAs for appointment of Bank Mitras. After declaration of State as Saturated under PMJDY, the next task was appointment of Bank Mitras by the Banks. While advising the banks for tallying of SSAs and appointment of Bank Mitras many banks (i.e. CBI, PGB, SBI, ICICI Bank, HDFC) have reported difference in SSAs from those reported by LDMs. This difference appears to be 3 on account of wrong / misreporting by the DCOs of these banks to their controlling offices. Since tallying of SSAs is the first foremost important step in appointment of Bank Mitras, Convener Bank advised all the Lead District Managers for holding a special DCC meeting for tallying of SSAs in their district latest by 29.12.2014. All the Lead District Managers have confirmed having tallied the SSAs with the DCO of each bank. List of allocation of SSAs is attached as per Annexure 1 & Annexure 1(a). Member banks are requested to take up with the DCO of their Bank if there is still any difference and report the matter to SLBC Secretariat in case of need. Item No. 2(ii) Bank Mitra & Infrastructure- Pradhan Mantri Jan Dhan Yojana. Mission office of Department of Financial Services, Ministry of Finance, Govt. of India, has desired that a weekly progress report on Bank Mitra & Infrastructure at the end of every Saturday be submitted to them by the following Monday. Convener Bank has already advised all the member banks for submission of the Statement on Bank Mitra & Infrastructure of every Saturday by the following Monday. The Statement as on 11.10.2014 is enclosed as per Annexure-2 for information of the house. The appointment of BCs is of utmost importance for the successful implementation of PMJDY. Member Banks to ensure Bank Mitras are put in place for covering the households and providing banking services at all the identified palaces. The house may deliberate. 4 Item No. 2(iii) Monitoring of Delivery and Activation of RuPay Debit Card under PMJDY. While reviewing the progress under PMJDY, Deptt. of Financial Services (DFS) has observed that some cards issued by the Banks may not have been either delivered to the customers or not activated which will deprive them from benefit of accidental insurance. All banks to ensure that RuPay debit card is issued in all the accounts opened under PMJDY. The account holders should be made aware of the usage of RuPay debit Card and should be asked to activate his/her card. The account holders should be informed that they should try to use their card once every month to ensure the benefits of Personal Accidental Insurance (Even though the limit is of 45 days). The account holder should be educated on the security and safety of the Rupay Card and the pin number. Bank wise position for issuing of Rupay Card is attached as per Annexure-3. Member Banks are requested to adhere to the guidelines and ensure to issue Rupay Card to the beneficiaries under PMJDY Item No. 2(iv) Telephone Connectivity- Issues faced by Banks/ Bank Mitras. The issue of low connectivity in some of the areas as reported by LDMs/Banks was taken up by Convener Bank in the weekly meetings with Convener Bank and TSPs of Punjab LSA under the Chairmanship of Director-II TERM Punjab. The minutes of the meeting held on 24.12.2014 and the latest position is enclosed as per Annexure 4. The House may deliberate 5 Item No. 2(v) Pradhan Mantri Jan-Dhan Yojana- Media Campaign. The 2nd phase of the Media Campaign of the Pradhan Mantri Jan Dhan Yojana is now underway and the Indian Banks‟ Association has been made the Nodal Agency for the Campaign. Financial Literacy Films: For the Ground level success of the project, you will agree, that a lot of financial education will be required. With this in view, IBA has uploaded, 3 films on financial Literacy on the IBA Website www.iba.org.in. We request all the banks to run these films in all the FLCCs, RUDSETTIs, Camps and Training Institutes for creating awareness and spreading financial literacy. Banks may also arrange to run visuals or animated films, if any, prepared by them. IBA/SLBC has also given a link on their website from where banks can down load the PMJDY Logo, Anthem, TVC, Radio Jingle, Internet Video, Caller tune and other event collaterals for their use at the Camps and other places. Wall painting: IBA has decided to cover 1, 50,000 walls, each of 24 Sq.Ft, across 21 states through Wall Painting. Punjab State has been allocated a target of 3000 Wall Paintings in all the districts of the State. In this context LDMs were requested to:  Identify the strategic walls that need to be covered under this allocation.  To monitor the work being carried out by the agency to ensure the given number of walls is covered. The target for each district was given by the convener bank and 2120 walls in the 7 districts got painted up to 14.01.2015. The position of targets given and painting done is as per Annexure- 5. House may deliberate. 6 Item No. 3 Direct Benefit Scheme (DBT) of Govt of India. Dy. Director, UIDAI vide their email dated 06.01.2015 have informed that Scheme wise pending cases of Aadhaar seeding have already been forwarded by concerned Line Departments to individual LDM and are still pending for seeding in Bank Accounts of beneficiaries. The number of cases pending is 132967 in Pre-metric scheme, 96743 in Post Metric Scheme and 2517 i.e 1490 in Amritsar District and 1027 in Kapurthala District in Indira Gandhi Matritva Sahyog Yojana (IGMSY). The number of pending cases for Aadhaar Seeding is 2.27 lakhs Under MGNREGA Scheme. List of cases has already been sent by the concerned department to Lead District Managers. Convener Bank has also forwarded the list of pending cases to concerned LDM with a request to get the seeding completed in all the cases on priority. Controlling Heads of all the banks are requested to advise branches under their control for seeding of Aadhaar number for implementation of these schemes of Govt. of India. Item No. 3(i) Modified Direct Benefit Transfer for LPG Consumers (MDBTL)-Seeding of Aadhaar. Department of Financial Services, Ministry of Finance, Govt. of India, vide their letter dated 29.10.2014 has informed re-launch of MDBTL in 54 districts from 15.11.2014 and in the entire country from 01.01.2015. Banks are requested to consider the following alternate modes for seeding of Aadhaar number in bank accounts for the smooth relaunch of the modified DBTL: i. Use call centres to advise, through pre-recorded messages, customers to get the Aadhaar number seeded in bank accounts. 7 ii. Since a large number of customers have their mobile phones registered with banks or are registered for internet banking facilities, develop applications for collection of Aadhaar from such customers through SMS or electronic methods. Bulk SMS or e-mails can also be sent to such customers advising them to get their Aadhaar seeded into bank account. iii. Enable large ATM network of banks to advise customers to seed Aadhaar and to make request for seeding of Aadhaar number which will be reliable as the customer would authenticated his request using ATM card and PIN. iv. Develop IVRS application which can be used by the customers to send request for seeding of Aadhaar into the bank accounts. Banks can also use Remote Aadhaar Seeding Framework (RASF), developed by UIDAI (https://rasf.uidai.gov.in) to access and verify the Aadhaar details online and seed Aadhaar into bank account details. Dy. Director,UIDAI vide their email dated 06.01.2015 have informed that District wise pending cases of Aadhaar seeding have already been forwarded to individual LDM and are still pending for seeding in Bank Accounts of beneficiaries. Gap between LPG Aadhaar seeding and Bank Aadhaar Seeding is to be bridged and the Aadhaar seeding is to be further expedited using various means like IVRS, SMS, Web services etc explained above. Member Banks are requested to consider these alternate mode for seeding of Aadhaar number in bank accounts and advise branches under their control for seeding of Aadhaar number on priority for implementation of schemes of Govt. of India. 8 Item No. 4 Roadmap-Provision of banking Services in Villages having Population below 2000 Total 10132 unbanked villages in the above population segment have been allocated to various banks in the state. A monitoring and review mechanism has been instituted by DCCs to periodically assess and evaluate the progress made in allotment of villages and achieving the target indicated in the roadmap including the quality of services provided by the banking outlets. Banks in the State of Punjab have covered 8609 villages up to 31.12.2014, the progress is as per Annexure-6. House may discuss. Item No. 5 Progress Report of Financial Literacy Centres (FLCs) The consolidated performance of the FLCs up to Dec-2014 is as per Annexure-7 Observations  During quarter ended Dec.-2014, 739 Financial Literacy Camps have been organized in which 41046 persons participated.  Out of 41046 persons participated in the camps, 24688 persons have already bank accounts and 12443 persons opened the accounts after attending the camp.  During the quarter ended Dec. 2014, 3100 Financial Literacy Camps have been organized by rural branches in the State of Punjab in which 93635 persons participated. 9  Out of 93635 persons participated in the camps, 65547 persons have already bank accounts and 24285 persons opened the accounts after attending the camp. The House may review the performance of FLCs. Item No. 5(i) Opening of Financial Literacy Centres (FLCs) at block level. The third important pillar focuses on preparing the people for financial planning and availing credit. Ministry of Finance has observed from the experience of micro finance firms as well as Self Help Groups that before availing credit, people need to be made aware of the advantages of access to formal financial system, savings, credit, importance of timely repayments and building up a good credit history. Financial Literacy Centres have so far been set up at Urban/Semi-urban areas. The present plan of Ministry of Finance is to expand the FLCCs to the block level. Convener bank has already allocated targets for opening of FLCs at block level and all the banks were advised to ensure opening of FLCs at Block level by March-2015. The following targets were proposed for opening of FLCs at Block Level:30% of targets up to September 2014, 70% of targets up to December, 2014 and remaining 30% to be covered by March-2015. Bank wise allocation for opening of FLC at Block level & position of opening of FLCs is given as per Annexure-8. House may deliberate. 10 Item No. 6 Setting up of Rural Self Employment Training Institutes (RSETIs) 19 RSETIs are operating in the State of Punjab which includes RSETIs at Dhudi Ke (District Moga) sponsored by PNB and Tappa Mandi in Barnala District sponsored by Canara Bank. Allotment of land is pending at Gurdaspur, Hoshiarpur, SBS Nagar, Taran Tarn, & Pathankot and possession of land is not taken in Jalandhar, Fazilka, districts. RSETIs are not operating at Fazilka, Pathankot, Tarn Taran, Gurdaspur & SBS Nagar. The representative of Department of Rural Development may apprise the house of the latest developments in the matter of allocation of land in the remaining Districts. Controlling heads of Banks having Lead bank responsibilities to apprise house of the reasons for not taking possession of land and date by which the task will be accomplished by them. (Performance of the RSETIs functioning in the State up to Dec-2014 & status of land allotment is given on Annexure-9 & Annexure 9-a.) From the data on progress of RSETIs up to Dec-2014, it has been observed that: 1318 training programmes of skill development were organized wherein 35421 trainees participated.  5166 trainees were financed by the banks to start their Enterprises and 12059 trainees set up their enterprises through owned funds.  Out of total 35421 trainees, 23138 were from SC/ST category, 4498 from OBC, 13131 from minority and 6877were from other categories.  26434 Women and 162 Handicapped persons were also provided training for self-employment. 11 The representative of Department of Rural Development is further requested that: 1. Expediting the process of approval of RSETI Building plans by the DTPs as the construction work of RSETI is getting delayed. 2. State Govt. to ensure release of funds for reimbursement of training expenses for BPL families in time bound manner. 3. State Govt. to organize appreciation workshop of RSETI Directors and APOs of DRDAs for two days at the State HQ. The House may discuss. Item No. 7 Electronic Benefit Transfer (EBT) for Government Schemes The State government has adopted “One District One Leader Bank Many Bank Model” for implementation of EBT in the State of Punjab. Director, Department of Social Security Women and Child Welfare vide their letter dated 17.12.2014 have informed the name of the Districts allocated to banks and has desired that list of beneficiaries be obtained from DSSOs of each district and enrolment work for implementation of EBT be started immediately. Convener Bank vide its e-mail dated 18.12.2014 advised LDMs to procure the lists from concerned DSSOs and start enrollment as the EBT in each district will be implemented only after enrollment of 80% of the beneficiaries. Controlling Heads of banks having lead bank responsibilities in these districts are advised to monitor the progress and send the same as per the performa attached at Annex: to Convener Bank. The house may deliberate. 12 Item No. 8 Reimbursement of Excess pension paid to the dependents of deceased pensioners - Pending issue of Sub-Committee meeting. During the deliberation in the Sub-Committee meeting of SLBC held on 11.11.2014 it was decided that the matter on account of DA paid by banks to family pensioners (whose ward got employment on compassionate ground) and the same has been deducted by treasury office out of subsequent reimbursement claims lodged by the banks. It has been decided to refer the matter to Finance Department Govt. of Punjab for settling the issue. Convener Bank vide its letter dated 25.11.2014 has taken up the matter with The Director, Department of Institutional Finance & Banking for taking up the matter with Finance Department for settling the issue. The representative of DIF&B is requested to apprise the house in the matter please. Item No. 9 Loans against collateral of Food grainsObtaining of NOC from State Procurement Agency. During the deliberation in the 127th meeting of SLBC held on 13.02.2014, the above issue was discussed gist of which is as under:"Shri Adaish Partap Singh Kairon, Hon'ble Minister for Food and Civil Supplies & IT, informed the house that the paddy crop procured by the State is stored with the rice mills as per their milling capacity for milling purpose for which they are paid the milling charges. Out of total stocks lying with Millers 99% stock is of State Procurement Agencies (PUNGRAINS, PSWC, PAFC, MARKFED, PUNSUP) and Food Corporation of India. It has been observed by them that Milers/Sheller‟s while availing limits from Banks hypothecate such stocks to Banks without informing that these belong to State Govt. Procurement Agencies and FCI, resulting in double financing". It was decided that while financing to Shellers/Millers, only stocks belonging to the Millers be hypothecated and it may be stipulated that Rice Millers while availing Working Capital Finance from Banks should 13 obtain Stock figures of Paddy held for milling from the concerned District Food & Supply Controller of Punjab alongwith NOC from the Department of Food & Civil Supplies while making advance to Rice Shellers. Convener Bank has already requested all the banks for meticulous compliance of the above decision taken in the SLBC meeting. Now Convener Bank has received a communication from MARKFED vide which they have raised the same issue of obtaining of NOC from State Procurement Agency while making advances against collateral of food grains. Controlling heads of all the banks are requested to reiterate the decision taken in the 127th meeting of SLBC for meticulous compliance of the same. The representative of MARKFED is requested to deliberate on the issue. Item No. 10 Overall CD Ratio of the State-Compliance of RBI guidelines. Reserve Bank of India vide their circular letter no. RPCDLDS.BC No. 47/02.13.03/2005-06 dated 09.11.2005 states that the CD Ratio to be calculated with credit at the place of utilization (Copy of circular is attached as per Annexure-10). Member banks are requested to ensure to adhere to the instructions of RBI as non compliance of the same affects CD Ratio of the State adversely. REVIEW OF GOVT. SPONSORED SCHEMES & PROGRAMMES Item No.11 Review of Govt. Sponsored Schemes & Programmes 14 Item No.11 (i) National Rural Livelihood Mission (NRLM)Implementation in the State of Punjab It has been informed by Rural Development Department, Govt. Of Punjab, that since SGSY scheme has been merged with newly started scheme NRLM, so as per the directions of MORD no new SHG group are to be formed under SGSY scheme w.e.f 31st March 2013 and data reporting also does not get generated online. In view of the transition phase of SGSY to NRLM, no targets were given by the State Govt. The scheme is being implemented in 14 blocks of 5 districts i.e. TaranTarn, Ferozepur, Sangrur, Patiala, Gurdaspur on pilot basis. The performance of these 5 districts is as per Annexure-11. The representative of Department of Rural Development is requested to apprise the house the latest position. Item No.11(ii) Prime Minister Employment Programme (PMEGP). Generation KVIC has informed the following progress under PMEGP for the year 2014-15 up to 31.12.2014:Particulars KVIC KVIB DIC Rural Total Urban Target No. of Projects 760 759 503 504 2526 Margin Money 900.60 899.74 596.50 596.50 2993.34 6080 6071 4026 4027 8053 175 243 319 737 515.19 671.59 916.17 2102.95 1050 1458 1914 4422 (Rs. in Lakh) Employment Progress Cases disbursed Margin Money Released Employment 15 Observations:  A sum of `2102.95 lakhs has been disbursed as margin money in the 737 cases disbursed upto 31.12.2014 in which 4422 unemployed youth have been provided employment.  District wise targets of KVIC/KVIB of margin money for the year 2014-15 have already been provided to the Lead District Manager. The representative of KVIC/KVIB/DIC may inform the House latest position. This is for information of the House. Item No.11 (iii) Swarn Jayanti Shahari Rozgar Yojana (SJSRY) Government of India has restructured the SJSRY scheme to National Urban Livelihoods Mission (NULM), which is applicable to cities with population of 1 lac or more and all the District Head Quarter Towns/Cities whether its population of less than 1 Lac as per the census of 2011.In the State of Punjab only 26 town/cities will be covered. Further under NULM only the interest subsidy will be given to the beneficiaries for setting up Micro Enterprises. The interest subsidy will be given over and above the 7% interest. There is no capital subsidy for any project (Individual or Group). The targets to be achieved during the 4th Quarter of the financial year 2014-15 have been allocated to the 26 identified cities and same is given as per Annexure-12 for information of the house. Convener Bank vide e-mail dated 30.12.2014 advised all the LDMs to allocate the bank wise targets and monitor the progress in DCC/DLRC meetings. Department has informed that in Jalandhar District 52 applications under Self Employment Programme (SEP) was sent to different branches and the same are pending for disposal. Member banks are requested to instruct the branches in Jalandhar District for disposal of the pending applications. 16 The representative of SUDA may apprise about the latest position in this regard. Item No. 12 Measures to computerize Land Records by State Government. The project launched by Revenue Department of State Government for computerization of land records, envisages for opening of Fard Kendra at each Tehsil and Sub-Tehsil level. Revenue Record like Jamabandi, Mutations, Rapats Roznamchas etc. of all the villages of that Tehsil/Sub Tehsil will be fed into the computer. As of now, 161 out of 167 Fard Kendras have been operationalized and record of about 12,285 villages has been computerized. Copy of Record of Rights is being issued from the operationalized Fard Kendras on the spot. Further the Department has planned to put the land records on internet so that people are able to view their Jamabandis etc. sitting at home only. The data of live Fard Kendras of all the Districts has been put on the web. A provision has been made to point out the errors in the Land Records through web. The issue raised in the 129th meeting of SLBC & subsequently taken up in the 130th meeting as well as vide Convener bank letter dated 10.12.2014 for issuing notification for authenticity of land record taken online, by which any record taken online will be legally enforceable, is still pending with the State Government. The representative of Revenue Deptt/ DIF&B is requested to apprise the house the progress in the matter. Item No. 13 Pending Recovery Certificates – Transfer of cases to Lok Adalats. During the deliberation in the 130th meeting of SLBC held on 13.11.2014, the representative of revenue department was requested to examine whether cases which are filed under RCs can be transferred to Lok Adalats for affecting speedy recovery in these accounts. 17 The matter was taken up with the Revenue Department by the Convener Bank vide its letter dated 15.12.2014 and Department of Institution Finance & Banking dated 17.12.2014. The representative of Revenue Department/ DFI&B is requested to apprise the house the progress in the matter. Item No. 14 Punjab Sarv Sehat Bima Yojana. In order to provide cashless health insurance to entire population in the State, Department of Health and Family Welfare, Punjab is implementing Punjab Sarv Sehat Bima Yojana in the State and DIF&B is the Nodal Agency for implementation of the scheme and will coordinate with the banks for successful implementation of the scheme. The representative of Deptt of IF&B is requested to apprise the house about the latest position in this respect. Item No. 15 Financing of Tenant Farmers/Oral Lessees and Share Croppers. NABARD has informed that Andhra Pradesh State Govt. has recently promulgated an ordinance titled "Andhra Pradesh Land Licensed Cultivators Ordinance 2011” to facilitate financing of tenant farmers, oral lessees and share croppers by financial institutions. The ordinance envisages issuance of „Loan and Other Benefits Eligibility Cards‟ to tenant farmers, oral lessees and share croppers to access credit from the Public Financial Institutions and to claim benefits of input subsidy, crop insurance compensation for damage to crop and for matters connected therewith or incidental thereto. Such an initiative would lead to smoothening the process of access to the formal credit delivery system by tenant farmers/oral lessees/share croppers, etc. thereby helping the JLG programme to scale new heights. 18 Director, Agriculture Department Govt. of Punjab vide their letter dated 27.12.2014 have informed that the case has been sent to Financial Commissioner (Revenue), Govt. of Punjab, for implementation of Act in the State. The representative of Department of Agriculture/IF&B is requested to apprise the house latest position in the matter. Item No. 16 Indira Gandhi Matritva Sahyog Yojana (IGMSY) The Ministry of Women and Child Development has introduced a new Scheme for Pregnant and Lactating women called Indira Gandhi Matritva Sahyog Yojana (IGMSY), which is a conditional Cash Transfer Scheme. The Scheme aims improving the health and nutrition of Pregnant and Lactating women. Presently the scheme is being implemented in District Kapurthala and Amritsar on pilot basis. Department of Social Security women & Child Development has sent 2517 cases to LDM Amritsar and 1027 to LDM Kapurthala District. The representative of Deptt. of Social Security and Child Development is requested to apprise the progress in the matter. Item No. 17 Yearly Calendar of Holding SLBC MeetingsSubmission of Data The calendar of holding of SLBC Meetings during the year has already been conveyed to the banks by the Convener Bank with the request to submit the data timely & error free to convene the meeting on the pre-decided dates. It has been observed that some of the Banks / LDMs do not submit the data in time. Next meeting of SLBC is scheduled to be held on 10.02.2015 and the data for Dec.2014 was required to be submitted by 15.01.2015 to SLBC. 19 The guidelines of RBI circular relating to calendar of holding SLBC meetings provide, inter alia, that the data of Banks/LDMs not submitting SLBC data by the due date, their data would be repeated and names would be incorporated in the Agenda notes/making mention in the meeting besides informing their corporate offices of the default. The data for Quarter ended Dec.-2014 has not been received from the following Banks/LDMs:The above banks/LDMs are requested to submit the data in such a way that it reaches SLBC Secretariat latest by today positively. The house may discuss as to how the Banks / LDMs are to be dealt with who have not submitted the data till date. Item No. 18 Any other issue / suggestions permission of the chair. with the