By 121News
Chandigarh 13th Feb, 2020:- The 151st meeting of State Level Bankers' Committee Haryana was held today at Hotel Mount View, Sector 10, Chandigarh. Shri TVSN Prasad, IAS, Additional Chief Secretary to Govt. of Haryana, Finance & Planning Deptt was the Chief Guest of the Meeting. Dr. Rajesh Kumar Yaduvanshi, Executive Director, Punjab National Bank presided over the meeting.
Dhanpat Singh, IAS, ACS, Housing Department, Haryana; Bhawna Garg, IAS, Dy. Director General, UIDAI;Ms. Amna Tasneem, IAS, Managing Director, HSFDC, J K Pandey, Regional Director, Reserve Bank of India, Chandigarh; Rajiv Mahajan, CGM, NABARD, Regional Office, Haryana; D K Jain, Zonal Manager, Punjab National Bank, Haryana Zone & Convener, State Level Bankers' Committee, Haryana and Senior Officers of the State Govt. and Controlling Heads of the Banks operating in the State of Haryana were among those who attended the meeting.
Dr. Rajesh Kumar Yaduvanshi, Executive Director, Punjab National Bank in his key note address informed that since launch of Pradhan Mantri Jan-Dhan Yojana (PMJDY) on 28th August, 2014, banks have opened 71,96,797 accounts up to 31st Dec., 2019. Out of total, 34,24,769 accounts of women have been opened which is 48% of the total accounts opened and Rupay Cards have been issued in 89% of the total accounts opened.
While informing the house about the progress made by banks in 3 Social Security Schemes namely Pradhan Mantri Suraksha Bima Yojana (PMSBY) for accidental death insurance, Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) for life insurance cover and Atal Pension Yojana (APY) for old age pension, Shri Yaduvanshi informed that under PMSBY the banks have enrolled 33,62,018 persons, under PMJJBY enrolled 9,66,178 persons and in Atal Pension Yojana (APY) enrolled 3,64,456 persons upto 31st Dec., 2019. He called upon the bankers and the officials from respective insurance companies to accelerate their efforts to extend the benefits of the scheme to a large number of masses in the State.
While speaking on Pradhan Mantri MUDRA Yojana, Rajesh Kumar Yaduvanshi said that Pradhan Mantri MUDRA Yojana was launched to "fund the un-funded" by bringing such enterprises to the formal financial system and to extend affordable credit to them. He informed that under MUDRA loans as on 31st Dec., 2019 the banks in Haryana have given loan of Rs 2347 crores to 272351 persons in first nine months of the current financial year.
R K Yaduvanshi informed the house that in the interim Budget 2019-20, the Union Govt announced their decision to extend the facility of Kisan Credit Card (KCC) to Animal Husbandry & Fisheries to help them meeting working capital requirements. In pursuance of the said Budget announcement, Reserve Bank of India in its Notification dated February 03, 2019, has framed guidelines for extending the KCC facility for working capital requirements for activities related to animal husbandry & fisheries. In accordance with the guidelines of RBI, the Scale of Finance has since been approved by State Level Technical Committee and the same has also been circulated to all banks.
While reviewing the performance of the banks for the review period from Dec 2018 to Dec 2019 under various key parameters, Mr. Yaduvanshi informed that the Banking System in the State achieved all the National Goals during period under review. He informed that the Commercial Banks and RRBs opened 175 New Branches during review period thus raising the total number of branches to 4939. The Total Deposits of Commercial Banks/RRBs increased to Rs. 4,10,828 Crore as at Dec 2019 from Rs.3,71,820 crore as at Dec, 2018 thus showing an increase of Rs. 39008 Crore or 10%.
The Total Advances during the review period increased to Rs. 2,71,436 Crore registering a growth of Rs.15,049 Crore. Priority Sector Advances gone up from Rs.1,40,190 crore to Rs. 1,45,064 Crore recording an increase of Rs.4,874 or 3% during the review period. Priority Sector Advances to total advances in the State as on Dec 2019 stands at 57% as against National Goal of 40%. Agriculture Advances increased from Rs.52,240 Crore to Rs.52,779 Crore exhibiting a growth of Rs. 539 Crore or 1% during the review period. The ratio of Agriculture Advances to total advances was 21% as against National Goal of 18%. Overall CD Ratio as on Dec 2019 for State as a whole was 66% against National Goal of 60%.
While informing about the "Stand Up India" Programme launched by Hon'ble Prime Minister of India on 5th April 2016, R K Yaduvanshi informed that since inception of the scheme Banks in Haryana have given loan under Stand Up India to 384 beneficiaries amounting to Rs 8112 lakhs.
The overall achievement of banks under Annual Credit Plan 2019-20 upto Dec, 2019 was 84%. The achievement under Agriculture, MSME and Other Priority Sector was 75%, 112% and 71% respectively.
He laid focus on educating the borrowers about the timely repayment of bank dues. He also requested the State Govt. to help the banks in the early settlement of pending 23,455 Recovery Certificates filed under HACOMP Act involving an amount of Rs. 753 Crore pending as at Dec 2019. He requested the State Govt. to take necessary steps to improve the recovery as the recovery of advances is the urgent requirement of banks for re-cycling of funds and for viable banking operations.
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