.

1

12.02.15

.

50

( 14 , 2014 49 )

14 ,2014 49

.

2

12.02.15

.

50

( )

( )

..

3.1.1

22.03.2002

(Updation) ( )

,

1. , R.B.I , |

2. , MSE,

(a) 13 ( )

(b) 03 , 6

(c) - /

2

3.1.2.

22.03.2005

, , , , |

( 127 16.02.2013 25% , 75% Case 5 ) |

-

3.1.4.

20.03.2009

1974 ,

ACT , , |

46 01

2

3.1.5.

29.09.2010

, (Dedicated Certficate Officer) |

2

3.1.6.

19.02.2002

3.06.2014 28.07.2014

,,, , , :

46 02

3.1.7.

01.12.2008

.

2 ( )

3.1.8

9.05.13

3.1.9

27.05.14

,, ,

, , ,

02

Issues Pertaining To Banks

..

3.1.11

2013

, , , ,

. 12 ()

() (), ,

2013

1,2 3

1.. , ,

.

3

12.02.15

.

50

( )

31 , 2014 :

(Rs. in crore)

..

31.12.2013

31.03.2014

31.12.2014

1

112104.73

118646.05

132580.95

2

54846.85

58202.91

62556.15

3

* & **

8148.58

12552.84

19321.27

4

62995.43

70755.75

81877.42

5

(%)

56.19

59.63

61.76

60

6

38836.08

41890.05

31566.90

7

( ) (%)

70.81

71.97

50.46

40

8

9219.54

10186.33

11223.08

9

( ) (%)

16.80

17.50

17.94

18

10

i.

21469.82

23391.42

12262.35

ii. (%)

39.14

40.18

19.60

11

37.13

38.89

49.08

12

7739.72

8304.03

10752.93

13

(%)

14.11

14.26

17.19

10

14

32.00

32.90

29.11

15

(%)

0.05

0.06

0.05

1

16

9560.20

10211.79

12906.30

17

( )(ANBC) (%)

17.43

17.54

20.63

5

18

()

3598.84

3976.40

4566.44

19

(%)

9.26

9.49

14.46

15

20

3373.12

3332.80

3688.34

6.15

5.72

5.90

21

( .) -

1314

639

595

2548

1341

695

635

2671

1403

706

640

2749

22

2075

2265

2517

* - ,** . -. - , - , -I,

,

1

24

1

2.

19

25

3.

PMJDY

SSA

SSA

4117

..

2566

.20476.22 - 31 ,2014 -- 18.26 |

18881.99 -- 31 ,2014 - 29.97

( C.D Ratio)

56.19 % , , 61.76% |

(31 , 2013 31 ,2014 ).

- 31 ,2014 . 7269.18 ( 18.71 ) . 9211.91 -- , 50.46 40

Agriculture Credit

31 ,2014 . 11223.08 17.94 . 2003.54 -- 21.73

Weaker Section

10752.93 (17.19 ) 10

Advance to Women

31 ,2014 12906.30 - 3346.10 | 35% |

Advance to Minority Community

3598.84 , 4566.44 26.88 14.19 % , 15 |

(31 ,2014 - )

House may discuss.

. ( ) . 373/11.04.07/2010-11 10.02.2011 . /2005-06 . / . 47/02 13/03/2005-06 09.11.2005 ( )

, :-

(Rs in crore)

31 , 2013

31 ,2014

112104.73

132580.95

54846.85

62556.15

5774.89

16272.56

2373.68

3048.70

62995.42

81877.41

-

56.19 %

61.76%

( -4, - 5)

: // ,

.

4

12.02.15

50

(5.1 2014-15 : : 31 ,2014 )

31 ,2014 2014-15 : ( ( )

(2013-14)

31.12.13

(2014-15)

31.12.14

%

%

1

2

3

4

5

6

7

5566.75

1672.83

30.05

6335.00

1892.08

29.86

4690.40

3032.18

64.65

5532.95

2635.35

47.63

5211.69

2890.00

55.45

2962.73

1183.46

39.94

15468.84

7595.01

49.10

14830.68

5710.89

38.50

7484.69

4569.70

61.05

9689.48

6613.41

68.25

22953.53

12164.71

53.00

24520.16

12324.30

50.26

31 ,2014 / , 6

ACP 2013-14 & ACP 2014-15

2013-14

2014-15

2013-14 2014-15

1

2

3

4

5

1672.83

1892.08

219.25

13.10

3032.18

2635.35

(-) 396.83

(-) 13.08

2890.00

1183.46

(-)1706.54

(-)59.04

7595.01

5710.89

(-)1884.12

(-)24.80

4569.70

6613.41

2043.71

44.72

12164.71

12324.30

159.59

1.31

:

AFY 2014-15 ,, ,

, , |

S.B.I,B.O.I,Allahabad Bank,U.B.I, UCO Bank, IOB,O.B.C etc.

Rs. 1892.08

Rs.6335.00 Rs.8.00 -

,

focussed area

-, , , - ,

.

5

12.02.15

50

(5. REVIEW OF LENDING )

(5.1. , )

. 11223.08 17.94% 18 , , ,

STATUS OF KCC IN JHARKHAND

(Amt. In Crores)

Disbursement

During 14-15

Outstanding In KCC Accounts

Out of Total K.C.C at the end of Reporting Quarter

(Standard Asset)

AS OF

31.12.14

A/C

Amt.

A/C

Amt.

A/C

Amt.

332432

807.05

1151559

3435.86

966306

2712.79

3108

34.73

5669

58.37

1111

14.85

335540

841.78

1157228

3494.26

967417

2727.64

147206

303.98

310870

742.85

81778

187.44

6352

9.35

19288

28.53

10786

14.77

l

489098

1155.11

1487386

4265.64

1059981

2929.85

RuPay Credit Card

: 31.03.2013 Smart K.C.C Rupay Card , 445890 ( )

.

(5.2. )

6.2.1. ( ) ( )

(Accounts in Lacs) (Amt. in crore)

Sl. No.

Particular

Outstanding position as at the end of

Dec2013

Dec2014

(1)

(2)

(3)

(4)

1

Micro Enterprises

Accounts

293910

218648

Amount

7972.69

6018.71

a.

Manufacturing Sector

Accounts

58573

36674

Amount

2612.41

1411.98

b.

Service Sector

Accounts

235337

181974

Amount

5360.28

4606.73

2

Small Enterprises

Accounts

181423

79135

Amount

13497.12

6243.63

a.

Manufacturing Sector

Accounts

59987

17390

Amount

7541.24

2969.69

b.

Service Sector

Accounts

121436

61745

Amount

5955.58

3273.94

3

Total Micro and Small Enterprises (MSE sector)

Accounts

475333

297783

Amount

21469.81

12262.34

4

a.

Share of Credit to Micro Enterprises in total credit to MSE sector

Percent share of amounts (stipulation:60%)

37.13

49.08

b.

Share of credit to MSE sector in NBC/ ANBC

Percent share of amount

39.14

19.60

Credit Flow to Medium ENTERPRISES (Non Priority Sector):

( Amounts in Crore )

Sl. No.

Particular

Outstanding position as at the end of

Dec2013

Dec2014

(1)

(2)

(3)

(4)

a.

Manufacturing Sector

Accounts

10575

2413

Amount

942.38

880.94

b.

Service Sector

Accounts

81362

26926

Amount

534.07

514.66

c.

Total of Medium Enterprises

Accounts

91937

29339

Amount

1476.45

1395.60

COVERAGE UNDER CGTMSE( Collateral Free Loans Upto RS. 1.00 Crore in MSME )

(Rs. In Crore)

COVERAGE UNDER CGTMSE

MANUFACTURING

SERVICES

A/C

AMT

A/C

AMT.

11277

720.39

26830

1451.32

- 60% 2014,

49.08 %

,

( )

31 , 2013

31 , 2014

422.13

433.40

(5.3. Education loan )

(Amt. in crore)

Particulars

As on

31.12.13

As on

31.12.14

Total As on

Dec. 14

GROWTH

Y-O-Y

IN

EDU.

LOAN

DISBURESEMENT MADE

DURING

AFY 2014-15 in

ACP 14-15

Public

Sector

Bank

Private

Sector

Bank

RRB

Coop.

Bank

No. of Account

59013

62111

104

968

3

63186

4173

11552

Amount (In crore)

2020.61

2169.14

2.33

23.44

0.07

2194.98

174.37

334.10

T

2014-15 929.10 35.96 ( 334.10 )

- /

.

( 5.4 )

Performance of Banks under Housing loan Scheme

(Amt.in Crore )

Particulars

31.12.13

31.12.2014

31.12.14

-

ACP 14-15

Public

Sector

Banks

Private

Sector

Banks

RRB

..

Coop.

Banks

No. of Account

.

62270

57997

5650

528

5

64180

1910

9135

Amount (In crore )

4249.94

3904.19

412.52

24.75

1.06

4342.53

92.59

762.11

, ,

. ,

5.5 CREDIT FLOW TO SPECIAL CATEGORY OF BORROWERS( )

6.5.1

31 , 2014 :

( Rs. in Crore ( )

31 , 2013

%

31 , 2014

.. ..

38836.083598.849.2631566.904566.4414.46

31 , 2014 14.46 % 15% , 31 , 2013 9.26 % 14.46%

6.5.2

31 , 2014 : (. )

31 , 2013

PERCENTAGE

OF CREDIT TO

WOMEN

31 , 2014

Target of lending to Women (%)

Gross Credit

Of which to Women Gross Credit

Of which to Women 5% of NBC 5%

54846.859560.20 17.4362556.1512906.3020.63

6.5.3 )

31 , 2014 , : ( Rs. in Crore . )

31 , 2013

31 , 2014

DRI

DRI

DRI

54846.8532.0062556.1529.110.05

... :

.. - . , ,, , ,

/

31 , 2014 / : - ( .) 31 , 2013 31 , 2014

./. . ./. .

54846.858004.6514.5962556.1515455.0424.70

5.6.Scheme for financing of Women SHG

, 04 , . 3/6/2011- ( II), 2012 - / S , , , . DLCC , , , etc. ,

31.12.14 -

18

210

127

...

34909

22275

4169

2014-15

Rs.132.09

1334.08

5.7. (NRLM)

2014-15

2014-15 . 350 ( )

(31 , 2014 )

31 , 2014

Indicators

2014

Annual Target

(2014-15)

Achievement

(2014-15) in Apr Dec'14

Cumulative achievement till date since Inception

23

40

9

32

1239

1348

828

2067

8102

10846

5893

13995

105326

131671

67703

173029

.

162

700

495

657

4654

7548

6282

10936

3992

8863

4808

8800

( )

598.75

1329.5

721.25

1320

2341

4468

3166

5507

( )

1170.40

2234

1581.10

2751.50

228

2923

1249

1477

( )

264.5

1458

690.75

955.25

NA

80,000

39620

NA

NA

200

322

NA

NA

4500

6383

NA

NA

2000

200

NA

NA

225

176

NA

53,727 (cumulative target)

NA

32717

.

6

12.02.15

50

6. FINACIAL INCLUSION

()

, ,

I. Household Household , , : 25.01.2015 BSBD

II. 1500 2000 Household S.S.A S.S.A S.S.A B.C/BCA B.C/BCA S.S.A on-line Banking

III. Rupay Card

A.

.

Household

Household

SSA

Wards

4175

1002

4175

1002

4687342

1110436

2667951

B. . ( )

.

( Fixed Location )

4175

3269

848

58

C. .

24.01.15

PMJDY

Seeding

PMJDY

1728170

939781

2667951

1748697

1310909

- (PMJDY) ,

1. 4175 SSA 4117 SSA , SSA

, SSA BC/BCA , ON-LINE Device | , SSA ON-Line Banking | BC/BCA ON-LINE Device |

2. - , - |

3. 1748697 ,

Activated | Activation , .. |

4. , , , R.B.I , , |

5. SSA Fixed Location BC/BCA - , | , Fixed Location BC/BCA - |

6. Aadhar Number Seeding | Aadhar Number Seeding |

7. ( Swavalamban Scheme ) , | |

Modified DBTL Scheme ( )

| ,

i. LPG Company seeding |

ii. LPG Company consumer I.D No seeding |

iii. LPG Company seeding |

: 13.01.2015 ,

LPG

LPG

(Col. 1 )

LPG

seeding

LPG

LPG

Seeding

(Col.2 )

BANK

seeding

Seeding

1

2

3

4

1713463

920089

612075

66.52%

7

20.02.14

50

& - /

- - ( Provisionin )

- , , ,

| Government Sponsored poor recovery rate , |

31 , 2014 :-

[ ]

31.12.13

31.12.14

Y-TO-Y

Growth

%

Growth

54846.85

62556.15

7709.30

14.05

3373.12

3688.34

315.22

9.34

6.15

5.89

(-)0.26

: (Written-Off)

: [ ]

31.12.13

31.12.14

101839

322.04

105841

365.42

7803

8.29

6163

13.85

109642

330.33

112004

379.27

:

[ ]

31.12.14

Number

Amount

1

2

3

194

2.59

306

0.54

500

3.13

112004

31 , 2014 :-

[ ]

,2013

2014

2014

2014

2014

1288

491.21

1587

569.09

148

133.97

29

4.63

1706

698.43

(RECOVERY)

( . )

%

%

1

2

3

4

5

6

7

8

2653.92

1726.26

65.05

SGSY

158.09

66.65

42.16

4946.46

2805.91

56.73

/ PMEGP

273.99

92.71

33.84

1086.30

610.11

56.16

432.08

159.36

36.88

8686.75

5142.28

49.42

8

12.02.15

50

10. 31 , 2014

9.1 ( )

31 , 2014

( )

%

/ Rejected/returned

1

2

3

4

5

6

7

8

9

10

4245

4904

3666

55.28

3364

39.10

86.36

79.24

492

746

2013-14 30.05.2014 2013-14 2014-15

-

9

12.02.15

50

10. /...

:

(31.12.2014 )

jha 24 , 24 1 |

- 11

- 8

- 3

- 2

24

( ) 1

:

24+1

:

7

() 18

23

* 2

*02 (, )

- 20

.... : 22

: 23 - 02

:

1. : - 24

AFY 2014-15 RSETI :

- 343

Trainees - 9460

- 824

RSETI ,

1. - 2

2. Contractor - 4

3. Tender - 10

4. - - 2

.. , LDM , | .. F.L.C Camp | | 19 (FLCs) :

( )

, , , ()() , , , ,

10

, , , , ,

7

2

,

- 16

- 9

627

3242

3869

10

12.02.15

50

, - :

... :

SN

1.

/ () GOJ

1. / 2. / , 3. , 4.

5) ( )

6) ) )

7) ( )

8) ( )

9)

1) ,

2) /

3)

22.01.15

2.

-

1). / , GOJ

2) ( . )

3)

4)

5)

6) , , ,

1) 2) / 3)

02.02.15

3.

/ (), GOJ-

1) /

2) /

3) / , GOJ

4) ( )

5) ( )

6) )

7) ( )

8) ( )

9) ( )

1)

2)

3)

4) /

10.02.15

4.

-

-

1) / , GOJ.

2)

3)

4)

5 )

6)

7)

8)

9)

1)

2)

3)

02.02.15

5.

-

1)

2)

3)

4) ,

5) 6)

7)

8)

9)

1) /

2) ( / )

02.02.15

6.

,

-

1) ,

2) ,

3) ,

4) ,

5) ,

6)

7)

8)

9)

,

02.02.15

7.

-,

( )

-

1) ,

2) ,

3) ,

4)

5)

6)

,

01.02.14*

:17.12.14 RBI

Empowered Com.on MSME

8

-

( ) -

1) ,

2) ,

3)

4)

5)

6)

7)

( )

21.10.14

9

-

( ) -

1) ,

2) , , GoJ

3)

4)

5)

6)

7)

8)...

9)...

10)

-

5.12.14

.

11

12.02.15

.

50

( )

1. |

( )

2. (SFAC) ( CGF) |

( , )

3. RSETI 10 % Trainees ( sponsored) Credit Linkage |

( , )

4. D.R.T D.R.T Apellate Tribunal |

( , )

5. S.B.I RSETI | RSETI | , , S.B.I RSETI | , , RUDSETI , RSETI | S.B.I RSETI | :28.01.15 , , , S.B.I RSETI , , RSETI , | S.B.I , RSETI , , RSETI |

.

12

12.02.15

50

( )

... :

14 ,2015

Page | 36