05. Achievement of Annual Credit Plan 2016 –17 S. No Particulars Page No. 5.1 Achievement of Annual Credit Plan as on 30.06.2016 17 5.2 Share of Banks in Achievement of ACP 2016-17 19 5.3 Annual Credit Plan Achievement – Last Three years 24 5.4 Comparative Statement of Credit Disbursements (Y-o-Y) 25 06. Agriculture Sector S. No. Particulars Page No. 6.1 Progress in lending to Agriculture Sector 26 6.2 Progress in lending to LEC holders 27 6.3 Performance of Joint Farming Groups of ‘Bhoomi Heen Kisan’ during the year 2016-17 27 6.4 Pledge financing against Negotiable Warehouse Receipts (NWRs) 28 6.5 Vaddi Leni Runalu and Pavala Vaddi scheme on crop loans - Reimbursement of pending claims to banks 28 6.6 Pradhan Mantri Fasal Bima Yojana (PMFBY) 29 6.7 Relief Measures by Banks in Areas Affected by Natural Calamities 29 6.8 Union Budget - 2016-17 – Interest Subvention Scheme 29 6.9 Green Kisan Credit Card – Micro Finance initiative for Tribal 29 6.10 Implementation of Annuity based financing to Micro Irrigation Companies under Individual and community based approach 30 6.11 Loan Charge Creation Module 30 07. Micro, Small & Medium Enterprises (MSME) Sector S. No. Particulars Page No. 7.1 Position of Lending under MSME sector 31 7.2 Stand Up India Scheme 32 7.3 Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Scheme- Progress made by Banks 33 7.4 Pradhan Mantri MUDRA Yojana (PMMY) 33 7.5 Coir Udyami Yojana (CUY) 34 7.6 Study to find out unidentified / unrecognized clusters of MSMEs in India in order to facilitate availability of banking outlets and credit flow in such clusters 34
AGENDA- 4 Banking Statistics 4.1BANKING AT A GLANCE IN ANDHRA PRADESH as on 30.06.2016 (Amount in Crores) Total Number of bank branches Rural - 2682 Semi Urban - 2032 Urban - 1880 Metro - 335 6929 Total Deposits in the State 227195 Total Advances in the State 246407 Credit Deposit Ratio (RBI norm -60%) 108.46% Total Priority Sector Advances 169094 % of Priority Sector Advances to ANBC (RBI Norm 40%) of which 69.78% Agricultural Advances % of Agrl. Adv. to ANBC (RBI norm - 18%) 100709 (41.56%) Of which Small & Marginal Farmers (RBI norm – 8% of ANBC) 52885 (21.83%) Micro & Small Enterprises (% to ANBC) 35689 (14.73%) Out of which Micro Enterprises (RBI norm – 7.5% of ANBC) 18926 (7.81%) Medium Enterprises 5016 Total MSME (% to ANBC) 40705 (16.80%) Export Credit 956 Education 3669 Housing 19114 Social Infrastructure 113 Renewable Energy 38 Others 3790 Out of Total Priority Sector Advances, finance to: SHGs Advances to Weaker Sections (RBI norm - 10% of ANBC) Advances to Women (RBI norm -5% on NBC) Advances to SC/ST Advances to Minorities (Norm 15% on priority sector) 15189 56180 (23.19%) 38219 (15.77%) 10309 13356 (7.90%) Note: % is calculated on total advances of 31st March of previous year instead of ANBC since ANBC is not available for the State.
Banking Key Indicators (Figures in Crores) AGENDA- 5 Annual Credit Plan 2016 – 17 Achievement of Annual Credit Plan as on 30.06.2016 (Rs. in crores) Sl. No Item Target 2016-17 Achievement (Disbursements during 01.04.16 to 30.06.16) % of Achievement 1 Short Term Crop Production Loans Khariff Rabi Total 36,580 23,420 60,000 19,270 -- 19,270 52.68 -- 32.12 2 Agrl.Term Loans Khariff Rabi Total 9,985 9,984 19,969 2,891 -- 2,891 28.95 -- 14.48 3 Total Farm Credit Khariff Rabi Total 46,565 33,404 79,969 22,161 -- 22,161 47.59 -- 27.71 4 Agriculture Infrastructure & Ancillary Activities Khariff Rabi Total 1,518 1,516 3,034 1,829 -- 1,829 120.49 -- 60.28 5 Khariff Rabi Total Agriculture 48,083 34,920 83,003 23,990 -- 23,990 49.89 -- 28.90 6 Micro, Small & Medium Enterprises 25,000 7,487 29.95 7 Export Credit 180 11 6.11 8 Education 2,155 197 9.14 9 Housing other than PMAY 4,660 995 21.35
Housing under PMAY Total Housing 7,340 12,000 -- 995 -- 8.29 10 Others under Priority Sector including Social Infrastructure & Renewable Energy 3,200 508 15.88 11 Total Priority Sector 1,25,538 33,188 26.44 12 Non Priority Sector 40,000 13,243 33.11 13 Total Credit Plan 1,65,538 46,431 28.05 Share of Banks in Achievement of ACP 2016-17: 5.2.1 Short Term Crop Production: (Amount in crores) Bank Achievement % of Share Andhra Bank 2756 14.30 State Bank of India 2585 13.42
AGENDA- 6 Agriculture Sector Progress in lending to Agriculture Sector (Rs. in crores) Sl. No Item Target 2016-17 Achievement (Disbursements during 01.04.16 to 30.06.16) % of Achievement 1 Short Term Crop Production Loans Khariff Rabi Total 36,580 23,420 60,000 19,270 -- 19,270 52.68 -- 32.12 2 Agrl.Term Loans Khariff Rabi Total 9,985 9,984 19,969 2,891 -- 2,891 28.95 -- 14.48 3 Total Farm Credit Khariff Rabi Total 46,565 33,404 79,969 22,161 -- 22,161 47.59 -- 27.71 4 Agriculture Infrastructure & Ancillary Activities Khariff Rabi Total 1,518 1,516 3,034 1,829 -- 1,829 120.49 -- 60.28 5 Khariff Rabi Total Agriculture 48,083 34,920 83,003 23,990 -- 23,990 49.89 -- 28.90
Office of the Development Commissioner Handlooms, Ministry of Textiles, GoI letter No.6/2/99/DCH/16-17/DIIDS/NIMRC/1393-1606 dated 27.06.2016 informed that Concessional Credit Component for handloom sector will now be available only through MUDRA Yojana for individual weavers and weavers entrepreneurs. The applications pending under WCC scheme will be sanctioned up to 31.08.2016 only. 12.5 Dairy Entrepreneurship Development Scheme (DEDS) 12.5.1 Details of Subsidy sanctioned and released under DEDS in the state of Andhra Pradesh by NABARD during the year 2015-16 – Position as on 31.07.2016. (Rs. in Lakhs) Particulars General / ST SC No. of Units Amount No. of Units Amount Subsidy Sanctioned 0 0 0 0 Subsidy Released 0 0 808 551.32 (Source: NABARD) 12.6 AGRI-CLINICS & AGRI-BUSINESS CENTERS Agri-Clinics & Agri-Business Centers (ACABC) – Review of progress as on 18.07.2016 S.No Particulars Number 1 No. of projects sanctioned 31 2 No. of projects pending 384 (Source: ) All Banks are requested to issue necessary instructions to their branches to expedite the clearance of pending loan applications under ACABC scheme and also releasing bank finance to the trained candidates on priority. NABARD has requested the banks to look into the pendency of the proposals at bank / branch level and advise the branches concerned for processing loan applications as per scheme guidelines and the status may be intimated to NABARD RO with a copy to SLBC. As regards to the proposals already sanctioned by bank branches under ACABC, were advised for submission of subsidy claims, in the prescribed format to NABARD, RO, so that the benefit of subsidy can be passed on to the agripreneur. 12.7. Credit under DRI
Year ended Outstanding Rs. In Crores March, 2014 38.21 March, 2015 35.97 March, 2016 36.39 As on June, 2016 36.06 The credit outstanding under DRI is Rs.36.06 Crores as on 30.06.2016 as against target of Rs. 2,423 Crores (i.e. 1% of the total outstanding advances of 31.03.2016 i.e. Rs.2, 42,311 Crores). The performance is negligible in comparison to the stipulations. All Banks are requested to make all out efforts to identify the eligible beneficiaries under DRI and to extend finance as per guidelines. AGENDA- 13 Government Sponsored Schemes - Government of Andhra Pradesh 13.1 Andhra Pradesh Micro Irrigation Project (APMIP): Achievement as on 31.07.2016 (Rs. In Lakhs) Physical Financial Target Achievement Target Achievement GoI Share State Share Total GoI Share State Share Total 150000 14219 21999.98 57069.49 79069.47 3455.51 6452.10 9907.61 (Source: APMIP) District wise progress under APMIP during 2016-17 is enclosed as Annexure No.31 13.2. Animal Husbandry: Heifer Induction Scheme: Achievement as on 30.06.2016 (Rs. in Lakhs) Target Achievement Physical Financial Physical Financial 6473 3884 0 0 13.3. Fisheries: Achievement as on 30.06.2016 (Rs. in crores)
Name of the item of Work Existing procedure Changes required Furnishing of two Bank accounts for release of Subsidy At present staff of the District Societies are physically going around the Bank Branches and obtaining the one Non-Operative SB Account and “0” Balance Loan Account, which is resulting in lot of expenditure and delay in releasing the subsidy by the Head Offices. Banks to upload two account numbers (one Non-Operative SB Account and “0” Balance Loan Account) directly to the OBMMS portal at Banker login to save delay in obtaining the above account numbers. Uploading of UCs / unit photos At present staff of the District Societies are physically going around the Bank Branches and obtaining the UCs and Unit photos to upload the same in OBMMS portal, which is resulting in lot of expenditure and delay in getting the UCs. Banks to upload UCs & Photos of the unit directly to the OBMMS portal Banker login to save delay in obtaining the UCs. Status on Bank Loan Recovery particulars of units grounded by the Welfare Corporations . At present there is no tracking mechanism of Loan repayments made by the beneficiaries and the welfare Corporations are not in a position to know over dues of the beneficiaries assisted by the concerned welfare Corporations. Banks to share the loan recovery data of the units grounded by the Welfare Corporations at Banker login to follow up the recovery position on par with the SERP who are sharing the loan recovery data from the concerned Banks. The forum may deliberate on the procedure suggested by the corporation. Andhra Pradesh State Christian (Minorities) Finance Corporation: Achievement as on 30.06.2016 (Rs. in lakhs) Target for the year 2016-17 Achievement Physical Financial Physical Financial 1250 1248.00 301 204.90 (Source: AP State Christian (Minorities) Finance Corporation) 13.12. Andhra Pradesh Scheduled Tribes Co-op Finance Corporation Ltd. (TRICOR) (Rs. in lakhs) Target Achievement Benf. Subsidy Bank Loan Total Outlay Benf. Subsidy Bank Loan Total Outlay
13.17. Overdue position under Government sponsored schemes as on 30.06.2016 (Rs. In Crores) Sector Outstanding Overdue Non – Performing Assets No. of a/cs Amount No. of overdue accounts Total balance in overdue accounts Actual overdue amount No. of accounts Amount Central Government Sponsored Schemes 431289 6754.39 77840 1054.53 258.69 39222 268.57 Of which SGSY / NRLM 275364 4892.65 36431 667.77 107.85 14765 117.24 SJSRY / NULM 66926 1231.84 13775 179.70 47.41 9097 45.16 PMRY/PMEGP 20864 271.82 10219 98.85 55.21 6568 56.43 DEDS 63743 285.11 15505 79.66 31.31 7747 31.39 State Government Sponsored Schemes 2236887 26298.17 512892 7330.27 3144.02 271407 2168.51 Central Government Sponsored Schemes: The percentage of total balance in overdue accounts & NPA to out standings is 15.61% & 3.98% respectively. State Government Sponsored Schemes: The percentage of total balance in overdue accounts & NPA to out standings is 27.87% & 8.25% respectively.