The following major action points emerged in the meeting:
- CD ratio to be improved to at least 40% by the end of the year: To achieve this goal, targets set under ACP –2011-12 has to be revised upwards in consultation with NABARD so that CD ratio of 40% is achieved. Amount of recovery that may be made during the year should also be considered while finalizing the revised target under ACP. Recasting of ACP is to be completed by 10th June, 2011. (Action: Banks, LDMs and Govt. Deptts.)
- Spreading awareness on Financial Inclusion: Such awareness programmes in remote areas are also to be undertaken to promote Financial literacy amongst the people at large. In addition to SBI, UBI, TGB, other banks should also be encouraged to organize such programme. Assistance of State Government should be sought for organizing such programmes successfully. All the 40 Blocks in the State have to be covered within 31.03.2012. Preparation of road map is to be finalized by 10th June, 2011. (Action: Banks, LDMs and Govt. Deptts.)
- Financial literacy as part of school curriculam: State Government may consider introducing financial literacy as part of school curriculam. A copy of the sample financial literacy material in Bengali will be made available to the Tripura Government by the Reserve Bank. (Action: State Govt and RBI)
- Opening of 26 branches: A survey will be completed at the earliest & the same should be placed before the meeting where RBI, NABARD, State Govt. & other bankers will remain present for discussion & the entire process of allocation should be completed before 10th June 2011 where branches could be opened. (Action: Banks, LDMs and Govt. Deptts.)
- RBI Subvention Scheme: Tripura Gramin Bank to revise its schedule for opening of the remaining three branches under the Subvention Scheme and the sponsor Banks is to provide all support, including staff, iff necessary so as to complete the same by September 2011. (Action: Tripura Gramin Bank, UBI.)
- Clean Note Policy: To ensure supply of clean notes in the State of Tripura and on the assurance that security personnel will be provided by Tripura Government for movement of cash to and from Guwahati, the feasibility of airlifting soiled notes from Tripura to be ascertained by RBI, Guwahati. (Action: State Govt. & RBI)
- Disbursement of Loan and Subsidy Component under SGSY scheme. As it has been placed that banks are withholding disbursement of loan component under the scheme in the SB A/Cs of the SHGs, all member banks are requested not to resort to such practice as alleged, and arrange prompt release of fund so as to avoid interest burden on un disbursed loan amount. (Action: Banks, LDMs )
- Issuance of Passbooks to SHGs: All banks are requested to issue Passbooks in all SHG A/cs. at the earliest, if not issued by now. (Action: Banks)
- Disposal of pending proposals under Govt. Sponsored Schemes: All member banks are requested to dispose of all pending proposals on merit. (Action: Banks and LDMs)
- Disposal of pending proposals under Mini Dairy/ Fisheries Scheme: Performance of the banks under these two activities are far from satisfactory and large number of proposals, sponsored by State Government which are pending with the banks has also to be disposed immediately by all banks on merit. (Action: Banks and LDMs)
- Emphasis on financing Agriculture and allied activities, Horticultural projects, Forestry, Fishery, Dairy etc will continue. The line Deptts will sponsor adequate number of such proposals duly filled in to the banks. NABARD to head a committee which will formulate the modalities of purchasing cattle from the State of Assam. (Action: Banks, LDMs and Govt. Deptts.)
- During the year 2011-12, at least 85000 fresh KCCs are to be issued. Agril. Term Loans and consumption loans to farmers are also to be routed through KCCs. The Govt Deptts will ensure rectification of the defects in the KCC proposals sponsored to the banks with details of Dag /Khatian no. etc. issued by VLWs. Bankers will also scout new proposals on their own. (Action: Banks and LDMs and Govt. Deptts)
- Gradation of SHGs, wherever pending, are to be completed so as to enable the eligible group to receive Bank Credit also. SHGs already deposit linked but not yet credit linked are to be linked up with credit in all eligible cases on continuing basis. (Action: Banks and LDMs)
- No collateral security is to be insisted upon for granting credit limits under MSE up to Rs 10.00 lacs. All eligible MSE proposals including under PMEGP and Swabalamban scheme, will be covered under CGTMSE scheme. (Action: Banks & LDMs)
Vote of Thanks:
Thereafter, Shri Pranab Kumar Roy, General Manager (Prisec & FI), United Bank of India, while giving vote of thanks described the Special SLBC meeting as a landmark in the history of SLBC ( Tripura) as the representation from the State Government and Reserve Bank of India both are at the highest level which has never happened in the past. The banking community has been immensely benefited from the deliberations of Shri Manik Sarkar, Hon’ble Chief Minister of Tripura, Shri Badal Chowdhury, Hon’ble Finance Minister of Tripura, Dr D Subba Rao, Hon’ble Governor, Reserve Bank of India, Dr K C Chackraborty, Dy Governor, RBI, Shri Bhaskar Sen, Chairman & Managing Director, United Bank of India, Shri S K Panda, Chief Secretary, Govt. of Tripura, Shri A Krishna Kumar Managing Director, State Bank of India, and Smt Surekha Marandi, Regional Director, RBI, Guwahati and other top executives from State Government, RBI, NABARD and banks. The banking fraternity of the State will render all possible efforts to act in accordance with the decisions taken in the meeting with special emphasis on Financial Inclusion. He also extended sincere thanks to all the dignitaries / participants who have made the meeting purposeful and led it to a grand success.
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