Agenda 10: Financing Mini Dairy and Fisheries Scheme:
- Mini Dairy Schemes: The house reviewed the progress which had not reached its peak as Govt. grant under Dairy scheme was not available at present. Performance would improve with the availability of Govt. grants, Shri Ramesh informed the house.
- Financing Fisheries Sector: Progress of the 1st half-year was reviewed. In view of huge potential of Fishery scheme in the State, the bankers were advised to cover all the fish farmers with KCC limit. The data base will be provided by Fisheries Dept. Shri N Ramesh, GM, NABARD distributed a booklet containing unit cost of crop loans and allied sectors as per action point of the last SLBC meeting.
Agenda 11:
Education Loan: The house reviewed the progress of the 1st half-year and all the banks expressed hope that performance at the end of the year would be much better.
Agenda 12 & 13: SME financing and timely submission of reports: Bankers were requested to put more emphasis on the above two issues.
Agenda 14: Important Issues:
- Payment of Govt. grants through electronic mode: TThe EBT is expected to take off in the four districts of Tripura, viz. West Tripura, Khowai, Dhalai and North Tripura wef 1st March, 2013. All bankers to complete opening of accounts of the beneficiaries under Direct Cash Transfer by 28th February, 2013. Seeding of accounts with Aadhar number, wherever given has to continue simultaneously.
- Automation of State Govt. Treasuries: The State Govt. representative was impressed upon to look into the matter as the issue is being pursued by DFS, MoF, GoI at frequent interval and no progress could be reported to them. Shri Satyanarayan informed the house that process was in progress.
The following major action points emerged in the meeting:
- Bankers to make all-out efforts to increase the CD ratio in all the districts of the State so that overall CD ratio of the State reaches 40%. All eligible loan seekers are to be identified and financed. The special focus will be on Agriculture, Fishery and MSE segment. [Action: All banks]
- A small committee of bankers should conduct a survey with 10% of the live KCC cards to verify whether the funds have been released, utilized for the purpose it was issued and the scale of finance being adhered to [Action: UBI, SBI, TGB & TSCB].
- The bankers would submit figures separately for new KCCs issued during the period and the figures of existing KCCs renewed with amount involved. [Action: All banks ]
- Banks to cover the fisheries segment under KCC finance. Department of Fisheries, Govt. of Tripura, to provide information regarding fish farmers to the banks. The Fisheries Extension Officers of the State Govt. to certify regarding possession of water bodies in respect of probable borrowers. A composite type of limit for both Agriculture and Fishery may be allowed. [Action: All banks and Fisheries Deptt., Govt.of Tripura]
- The State Government in consultation with SLBC and NABARD would finalize the modalities for sponsoring the probable beneficiaries (patta holders). [Action: Govt. of Tripura, SLBC Convenor and NABARD]
- The banks to expedite opening of branches at the remaining centers allotted to them during the year 2011-12. [Action: TGB & TSCB.]
- The list of 172 centers of the four districts identified for implementation of Direct Cash Transfer is to be sent to FIS, Guwahati to explore the possibility of setting up of offsite ATMs. [Action: All Banks].
- A small committee comprising major banks and Finance Dept., Govt. of Tripura to survey the viability of the 107 centers proposed by the State Govt. for exploring the possibility of opening of B & M branches / USBs / CSPs /CSCs as per directives of DFS, MoF, GoI. [ Action: .The Committee).
- The LDMs are to allocate the wards of the Municipal areas amongst banks having branch in the concerned ward to take up Urban Financial Inclusion.
- All banks to complete opening of accounts for all beneficiaries under Direct Cash Transfer list of which will be provided by the State Govt. [Action: State Govt. & Banks].
Vote of Thanks:
Thereafter, Shri C Balachandran, Dy. General Manager and Chief Regional Manager, UBI, Tripura extended his thanks to the Shri S K Panda, Chief Secretary, GoT, Shri K V Satyanarayan, Additional Chief Secretary, GoT, Shri Sanjay Arya, Executive Director, UBI, Shri P K Jena, Regional Director, RBI, Guwahati and other dignitaries from RBI, NABARD, banks, and State Govt for the important contribution they have made in the deliberations. He stated that TGB & TSCB would open branches in the centers allotted to them within March 2013 thereby completing the tally of opening 26 branches. He requested the bankers to submit SLBC data in time so that the same could be held within 45-50 days from the end of the quarter to which it relates. He further requested the bankers to complete opening of accounts for all the beneficiaries under Direct Cash Transfer scheme. Other issues discussed in the meeting have been taken note off. All out effort would be made to increase the CD ratio by increasing credit flow to Agriculture and Fisheries and other sectors as well. He once again thanked all the participants for having attended the meeting.
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