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GENERAL BANKING SCENARIO AND PROGRESS IN UT OF J&K AS ON 31.12.2020

 

 

Banking Sector Performance as on December 31, 2020

 

Public Sector

Private Sector

RRBs

Coop. Banks

FIs & PBs

Total

Banks

12

11

2

10

2

37

Branches

453

949

332

267

13

2014

Total Deposits

 

Total Advances

C. D Ratio

Advances to
Priority Sector

Share of P.S.
Adv. To Total Adv.

(Amount in Crore of Rs.)

1,44,329.81

74,690.40 (*)

51.75%

33,059.46

44.26% (**)

(*) Includes RIDF support (Rs. 1949.09 Crore)
(**) Excluding RIDF support.

 

 

 

Lead Banks in UT of J&K

1) J&K Bank (12 districts)
All 10 districts of Kashmir division viz. Srinagar, Ganderbal, Budgam, Baramulla, Bandipora, Kupwara, Anantnag, Kulgam, Pulwama and Shopian and 2 districts of Jammu Division viz. Rajouri and Poonch.

2) State Bank of India (8 districts)
8 districts of Jammu division, viz. Jammu, Samba, Udhampur,  Reasi,  Kathua, Doda, Ramban & Kishtwar

 

Summary of Banking Network in UT of J&K

As onDecember 31, 2020

#

Name of the Bank

No. of Banking Outlets

Branch

BC

Other Modes
(ATM)

Total

(I)

Public Sector Banks

 

1

STATE BANK OF INDIA

174

278

694

1146

2

PUNJAB NATIONAL BANK

123

57

166

346

3

UCO BANK

20

0

24

44

4

CENTRAL BANK OF INDIA

17

0

14

31

5

CANARA BANK

38

0

33

71

6

PUNJAB & SIND BANK

16

0

16

32

7

BANK OF BARODA

13

0

12

25

8

UNION BANK OF INDIA

21

0

24

45

9

BANK OF INDIA

11

0

9

20

10

INDIAN OVERSEAS BANK

4

0

4

8

11

BANK OF MAHARASHTRA

2

0

1

3

12

INDIAN BANK

14

0

10

24

SUB-TOTAL

453

335

1007

1795

(II)

Private Sector Banks:

 

13

J&K BANK

792

954

1232

2978

14

ICICI BANK

35

0

63

98

15

HDFC BANK

76

145

195

416

16

FEDERAL BANK

1

0

1

2

17

AXIS BANK

25

0

30

55

18

YES BANK

7

0

7

14

19

IDBI BANK

5

0

9

14

20

INDUSIND BANK

4

0

9

13

21

SOUTH INDIAN BANK

1

0

1

2

22

KOTAK MAHINDRA BANK

2

0

3

5

23

BANDHAN BANK

1

0

1

2

SUB-TOTAL

949

1099

1551

3599

(III)

Regional Rural Banks:

 

24

J&K GRAMEEN BANK

215

214

0

429

25

ELLAQUAI DEHATI BANK (EDB)

117

39

0

156

 

SUB-TOTAL

332

253

0

585

(A)

Scheduled Commercial Banks: ( I+ II+ III)

1734

1687

2558

5979

(IV)

Central/ State Cooperative Banks:

 

26

JAMMU CENTRAL COOP. BANK

89

0

0

89

27

BARAMULLA CENTRAL COOP. BANK

35

0

0

35

28

ANANTNAG CENTRAL COOP. BANK

35

0

0

35

29

CITIZEN'S CO-OP BANK

11

0

0

11

30

J&K STATE COOP. BANK

33

0

11

44

31

DUCO BANK

4

0

0

4

32

SCARD

49

0

0

49

33

BOMBAY MERCANTILE COOP.  BANK

1

0

0

1

34

KASHMIR MERCANTILE COOP. BANK

5

0

0

5

35

URBAN COOP. BANK

5

0

0

5

(B)

SUB-TOTAL

267

0

11

278

(V)

Other Financial Institutions (FIs):

 

36

STATE FINANCIAL CORP.

6

0

0

6

(C]

SUB-TOTAL

6

0

0

6

(VI)

Payment Banks

37

INDIA POST PAYMENTS BANK

7

1248

0

1255

(D]

SUB-TOTAL

7

1248

0

1255

GRAND TOTAL (A+B+C+D)

2014

2935

2569

7518


KEY INDICATORS AS ON DECEMBER 31, 2020

AMOUNT IN CRORE

S NO

PARTICULARS

CONSOLIDATED FIGURE OF ALL BANKS

AS ON DEC 31, 2019 (FY 2019-20)

AS ON DEC 31, 2020 (FY 2020-21)

BANCHMARK %AGE GROWTH

DECEMBER 2019

DECEMBER 2020

 

1

DEPOSITS

128162.67

144329.81

 

2

CREDIT

62784.41

72741.31

 

 

TOTAL BUSINESS

190947.08

217071.13

 

 

CD RATIO (%)

48.99%

50.40%

60%

3

PRIORITY SECTOR ADVANCES (PSA)

29504.54

33059.46

 

 

SHARE OF PSA IN TOTAL ADVANCES (%)

46.99

45.45

40%

(i)

AGRICULTURE ADVANCES

8402.48

9481.90

 

 

SHARE OF AGRICULTURE ADVANCES IN TOTAL ADVANCES (%)

13.38

13.04

18%

 

SHARE OF AGRICULTURE ADVANCES IN PSA (%)

28.48

28.68

 

(ii)

MICRO, SMALL & MEDIUM  ENTERPRISES ADVANCES

15727.64

16766.90

 

 

SHARE OF MSME IN TOTAL ADVANCES (%)

25.05

23.05

 

 

SHARE OF MSE IN TOTAL PSA (%)

53.31

50.72

 

(iii)

EXPORT CREDIT

65.29

67.21

 

 

SHARE OF EXPORT CREDIT IN TOTAL ADVANCES (%)

0.10

0.09

 

 

SHARE OF EXPORT CREDIT IN TOTAL PSA (%)

0.22

0.20

 

(iv)

EDUCATION ADVANCES

399.08

470.00

 

 

SHARE OF EDUCATION ADVANCES IN TOTAL ADVANCES (%)

0.64

0.65

 

 

SHARE OF EDUCATION ADVANCES IN TOTAL PSA (%)

1.35

1.42

 

(v)

HOUSING ADVANCES

4381.12

4660.86

 

 

SHARE OF HOUSING ADVANCESIN TOTAL ADVANCES (%)

6.98

6.41

 

 

SHARE OF HOUSING ADVANCES IN TOTAL PSA (%)

14.85

14.10

 

(vi)

SOCIAL INFRASTRUCTURE

13.54

13.16

 

 

SHARE OF OTHER SECTOR IN TOTAL ADVANCES (%)

0.02

0.02

 

 

SHARE OF OTHER SECTOR IN TOTAL PSA (%)

0.05

0.04

 

(vii)

RENEWABLE ENERGY

32.60

30.56

 

 

SHARE OF OTHER SECTOR IN TOTAL ADVANCES (%)

0.05

0.04

 

 

SHARE OF OTHER SECTOR IN TOTAL PSA (%)

0.00

0.00

 

(viii)

OTHER SECTOR ADVANCES

482.79

1568.87

 

 

SHARE OF OTHER SECTOR IN TOTAL ADVANCES (%)

0.77

2.16

 

 

SHARE OF OTHER SECTOR IN TOTAL PSA (%)

1.64

4.75

 

4

ADVANCES TO WEAKER SECTIONS (WS)

7002.99

8044.81

 

 

SHARE OF WS ADVANCES IN TOTAL ADVANCES (%)

11.15

11.06

10%

 

SHARE OF WS ADVANCES IN PSA (%)

23.74

24.33

 

5

DRI ADVANCES

39.22

268.77

 

 

SHARE OF DRI ADVANCES IN TOTAL ADVANCES (%)

0.06

0.37

1%

 

SHARE OF DRI ADVANCES IN PSA (%)

0.13

0.81

 

6

ADVANCES TO WOMEN

4842.34

5168.23

 

 

SHARE OF ADVANCES TO WOMEN IN TOTAL ADVANCES (%)

7.71

7.10

5%

 

SHARE OF ADVANCES TO WOMEN IN PSA (%)

16.41

15.63

 

7

NON-PRIORITY SECTOR ADVANCES (NPSA)

33279.87

39681.86

 

 

SHARE OF NPSA IN TOTAL ADVANCES (%)

53.01

54.55

 

(i)

AGRICULTURE

207.06

222.12

 

 

SHARE OF AGRICULTURE IN TOTAL ADVANCES (%)

0.33

0.31

 

 

SHARE OF AGRICULTURE IN NPSA (%)

0.62

0.56

 

(ii)

EDUCATION ADVANCES

105.90

48.36

 

 

SHARE OF EDUCATION ADVANCES IN TOTAL ADVANCES (%)

0.17

0.07

 

 

SHARE OF EDUCATION ADVANCES IN TOTAL NPSA (%)

0.32

0.12

 

(iii)

HOUSING ADVANCES

2078.48

3074.50

 

 

SHARE OF HOUSING ADVANCES IN TOTAL ADVANCES (%)

3.31

4.23

 

 

SHARE OF HOUSING ADVANCES IN TOTAL NPSA (%)

6.25

7.75

 

(iv)

PERSONAL LOANS UNDER NON-PRIORITY SECTOR

17814.62

22038.00

 

 

SHARE OF PERSONAL LOANS UNDER NPS IN TOTAL ADVANCES (%)

28.37

30.30

 

 

SHARE OF PERSONAL LOANS UNDER NPSA IN TOTAL NPSA (%)

53.53

55.54

 

(v)

OTHER SECTOR ADVANCES

13073.81

14298.88

 

 

SHARE OF OTHER SECTOR ADV. IN TOTAL ADVANCES (%)

20.82

19.66

 

 

SHARE OF OTHER SECTOR ADV. IN TOTAL NPSA (%)

39.28

36.03

 

8

TOTAL EDUCATION ADVANCES   (PRIORITY + NON-PRIORITY)

504.98

518.36

 

 

SHARE OF TOTAL EDUCATION ADV. IN TOTAL ADVANCES (%)

0.80

0.71

 

9

TOTAL HOUSING ADVANCES    (PRIORITY + NON-PRIORITY)

6459.60

7735.35

 

 

SHARE OF TOTAL HOUSING ADV. IN TOTAL ADVANCES (%)

10.29

10.63

 

10

TOTAL OTHER SECTOR  ADVANCES  (PRIORITY + NON-PRIORITY)

13556.60

15867.75

 

 

Overview of Credit Disbursements

(Amount in Crore)

Name of the Sector

ACP Target FY 2020-21

Achievement as on 31st December, 2020

%age of Achievement

Physical

Financial

Physical

Financial

Physical

Financial

Priority

12,67,467

35,701.41

6,34,248

12,676.75

50.04%

35.50%

Non-Priority

2,70,526

8,928.61

2,67,981

9,937.55

99.06%

111.30%

Total

15,37,993

44,630.02

9,02,229

22,614.30

58.66%

50.67%

Credit by Sectors- Priority Sector
(Amount in Crore)

 

Name of the Sub-Sector

ACP Target FY 2020-21

Achievement as on
31st December, 2020

%age of Achievement

Physical

Financial

Physical

Financial

Physical

Financial

Agriculture

9,89,035

20,769.92

4,60,962

6,544.52

46.61%

31.51%

MSMEs

1,16,810

9,709.04

1,41,321

4,665.91

120.98%

48.06%

Export Credit

401

150.83

21

35.67

5.24%

23.65%

Education

14,863

589.73

3,780

98.82

25.43%

16.76%

Housing

34,709

2,843.31

10,014

811.15

28.85%

28.53%

Social Infrastr.

11,578

295.77

170

16.50

1.47%

5.58%

Renew. Energy

12,637

66.67

874

6.57

6.92%

9.85%

Others

87,434

1,276.14

17,106

497.47

19.56%

38.98%

Total

12,67,467

35,701.41

6,34,248

12,676.61

50.04%

35.51%

 

Credit by Sectors- Non-Priority Sector:

(Amount in Crore)

Non-Priority Sector

 

Name of the Sub-Sector

ACP Target FY 2020-21

Achievement as on
31st December, 2020

%age of Achievement

Physical

Financial

Physical

Financial

Physical

Financial

Agriculture

0

0

1,097

180.68

Education
(above Rs.10.00 lac)

2,902

372.49

224

24.19

7.72%

6.49%

Housing
(above Rs.25.00 lac)

3,899

1,020.42

5,213

627.66

133.70%

61.51%

Personal Loans

93,659

3,752.01

1,96,730

5,889.97

210.05%

156.98%

Others

1,70,066

3,783.69

64,717

3,215.04

38.05%

84.97%

Total

2,70,526

8,928.61

2,67,981

9,937.54

99.06%

111.30%

 

REGION-WISE / SECTOR-WISE POSITION:
The Region-wise/ Sector-wise achievements as at the end of March, 2020 vis-a-vis commitments for lending under Annual Credit Plan 2020-21 are summarized below:

(Amount in Crore)

 

Region

 

Sector

 

ACP Target FY 2020-21

Achievement as on
31st
December, 2020

 

%age of Achievement

 

Kashmir

Priority Sector

20,805.83

7,625.27

36.65%

Non-Priority Sector

3,940.69

5,321.41

135.04%

Total

24,746.52

12,946.68

52.32%

 

Jammu

Priority Sector

14,895.58

5,051.33

33.91%

Non-Priority Sector

4,987.92

4,616.13

92.55%

Total

19,883.50

9,667.46

48.62%

 

UT of J&K

Total Priority Sector

35,701.41

12,676.60

35.51%

Non-Priority Sector

8,928.61

9,937.55

111.30%

GRAND TOTAL

44,630.02

22,614.15

50.67%


Progress in 100% Saturation of farmers under KCC Scheme:

In terms of the decision taken during the Special Meeting of J&K UTLBC held on 23rd June, 2020, J&K UTLBC in collaboration with Agriculture Production Department, J&K Government, organized a “KISSAN PAKHWADA” (Fortnight) across the UT from 7th July, 2020 to 21st July, 2020 with a view to ensure 100% coverage of farmers in J&K under KCC Scheme. The Kissan Pakhwada was inaugurated by the Hon’ble Lt. Governor, J&K.

Prior to this, the Special Drive for 100% saturation of farmers under KCC was launched by Government of India across the country from 2nd of June, 2020, which is being implemented in the UT of J&K also.

As a result of both the Kissan Pakhwada as well as the Special Saturation Drive for KCCs, the number of KCCs issued by banks in J&K has been substantially increased (from 7,67,787 KCCs as on 31.05.2020 to 9,77,895 as on 31.12.2020). Details of progress achieved in J&K as on 31st December, 2020 is tabulated below:

KCC (Crop)

(Amount in Crores)

 

S.
No.

 

Name of Bank

No. of KCCs as on 31.05.2020

KCCs added during 01.06.2020 to
31.12.2020

No. of KCCs as on 31.12.2020

Amount Outstanding
as on 31.12.2020

1

J&K Bank

5,97,737

120,102

7,17,839

4,003.16

2

SBI

25,549

6,002

31,551

173.89

3

PNB

17,766

2,968

20,734

138.08

4

JKGB

70,250

11,088

81,338

583.80

5

EDB

17,888

270

18,158

210.95

6

Others

15521

547

16,068

380.73

 

Total

7,44,711

1,40,977

8,85, 688

5,490.61

 

KCC (Animal Husbandry/Fisheries):

(Amount in Crores)

 

S.
No.

 

Name of Bank

No. of KCCs as on 31.05.2020

KCCs added during 01.06.2020 to
31.12.2020

No. of KCCs as on 31.12.2020

Amount Outstanding as on 31.12.2020

1

J&K Bank

18,658

54,766

73,424

303.30

2

SBI

1,339

670

2,009

11.67

3

PNB

401

331

732

5.06

4

JKGB

4,127

9,525

13,652

70.71

5

EDB

430

1,611

2041

12.07

6

Others

121

228

349

2.29

 

Total

25,076

67,131

92,207

405.10

Grand Total
KCC (Crop+AHF)

7,69,787

2,08,108

9,77,895

5,895.71

 

CREDIT DISBURSEMENT UNDER GOVERNMENT SPONSORED SCHEMES:

  1. Scheme-wise/ Bank-wise and Region-wise performance of Banks under major Government Sponsored Schemes.

 (Amount in Crore)

 

#

Name of the Scheme

 

Annual Target 2020-21

Cases sponso red

Achievement as on
31st Dec., 2020

%age Ach. viz-a-viz

 

Annual Target

Spon
sor- ship

A/C

Amt.

A/C

A/C

Amt.

Phy

Fin.

Phy.

1

NRLM

11,010

156.87

7523

6647

101.13

60%

64%

88%

2

PMEGP

2600

163.15

18730

5350

255.47

206%

157%

29%

3

NULM

3068

65.46

2334

1397

18.79

46%

29%

60%

4

SC/ST/OBC

1000

9.33

289

142

1.32

14%

14%

49%

TOTAL

17,678

394.81

28,876

13,536

376.71

77%

95%

47%

 

Position of District-wise Credit Deposit Ratio
Based on the data provided by banks operating in UT of J&K, comparative position of CD Ratio of each district (in the UT of J&K) as on 31st December, 2019 and 31st December, 2020 is tabulated below:

Sr.
No.

Name of District

C.D. Ratio (%age)

Remarks

Sr.
No.

Name of District

C.D. Ratio (%age)

Remarks

Lead Districts of J&K Bank

Lead Districts of SBI

 

 

Dec. 2019

Dec. 2020

 

 

 

Dec. 2019

Dec. 2020

 

1

Srinagar

52.97

51.86

...

13

Jammu

31.50

30.72

Low CDR

2

Ganderbal

69.90

77.16

...

14

Samba

48.80

48.60

...

3

Baramulla

80.51

82.99

...

15

Udhampur

34.80

36.06

Low CDR

4

Bandipora

72.84

74.65

...

16

Reasi

37.19

44.09

...

5

Anantnag

63.32

66.88

...

17

Kathua

42.75

43.12

...

6

Kulgam

76.03

75.59

...

18

Doda

47.45

52.93

...

7

Pulwama

82.35

86.89

...

19

Ramban

42.40

46.31

...

8

Shopian

111.33

101.16

...

20

Kishtwar

33.87

38.13

Low CDR

9

Budgam

88.50

93.19

...

 

 

 

 

 

10

Kupwara

97.31

106.55

...

 

 

 

 

 

11

Poonch

36.47

41.57

...

 

 

 

 

 

12

Rajouri

37.40

40.91

...

 

 

 

 

 

 

Financial Literacy initiatives by FLCs and Rural Branches of Banks in UT of J&K:
As per the extant operational guidelines of Reserve Bank of India, each FLC has to conduct two special camps per month on “Going Digital besides a minimum of 5 “Target Group Specific” camps for different target groups as prescribed by RBI are to be conducted each month.

i. Bank-wise performance of FLCs in UT of J&K from 01.04.2020 to 31.12.2020:

 

Name of Bank

No. of FLCs set up in UT of J&K

Special Camps (Going Digital)

Target-Group- Specific Camps

TOTAL

Target (2 camps per month)

 

Ach.

Target
(5 camps per month)

 

Ach.

 

Target

 

Ach.

J&K Bank

12

216

69

540

135

756

204

SBI

8

144

0

360

0

504

0

PNB

6

108

18

270

23

378

41

JKGB

2

36

6

90

3

126

9

EDB

2

36

18

90

72

126

60

J&K SCB

1

18

0

45

0

63

0

TOTAL

31

558

111

1395

233

1953

344

ii. Bank wise performance of Rural Branches of Scheduled Commercial Banks in UT of J&K from 01.04.2020 to 31.12.2020 :

 

S. No.

 

Name of the Bank

No. of Rural
Branches

Number of Camps

Target
(@ 1 camp per month)

Camps conducted

1

State Bank of India

81

729

0

2

Punjab National Bank

34

306

30

3

UCO Bank

5

45

14

4

Central Bank of India

2

18

0

5

Canara Bank

6

54

26

6

Punjab & Sind Bank

3

27

0

7

Union Bank of India

3

27

5

8

Bank of India

2

18

6

9

Bank of Baroda

1

9

9

10

Indian Bank

2

18

1

11

J&K Bank

485

4,365

1,536

12

ICICI Bank

5

45

26

13

HDFC Bank

16

144

60

14

Axis Bank

11

99

5

15

Yes Bank

1

9

9

16

J&K Grameen Bank

174

1,566

787

17

Ellaquai Dehati Bank

96

864

499

18

JKSCB

19

171

0

TOTAL

946

8,514

3,013


Performance of Rural Self-Employment Training Institutes (RSETIs) in UT of J&K – Allotment of land by Government for development of infrastructure for the RSETIs:

i. Performance of RSETIs in UT of J&K:

Achievement as on 31.12.2020 viz-a-viz Targets for the FY 2020-21:

 

Name of the Bank

Annual Target FY 2020-21

Progress Achieved

 

Programs

 

Candidates to be trained

Total No. of Programs conducted

Total No. of Persons Trained

No. of persons credit- linked during CFY

Out of which No. of persons started the ventures

01.04.2020 to
31.12.2020

01.04.2020 to
31.12.2020

JKB

150

4400

61

1549

790

790

SBI

138

3385

40

598

303

303

TOTAL

288

7785

101

2147

1093

1093

Position regarding settlement of trained candidates since the inception of the scheme till 31.12.2020 is tabulated below:

 

Name of the Bank

Position since inception till 31.12.2020

Out of the total settled candidates up to 31.12.2020

 

No. of candi- dates trained

 

No. of candi- dates settled

 

%age of settle- ment

No. of candidates availing bank finance

No. of candi- dates self- financed

No. of candi- dates in wage employ-
ment

%age of  credit- linked to total
settled

JKB

43027

30,800

72%

16,660

10,540

3600

54%

SBI

22317

15801

71%

6,247

7,111

2443

40%

Total

65344

46601

71%

22907

17651

6043

49%


Status of Business Correspondents / Bank Mitras in UT of J&K:

  • The Business Correspondent Agents/ Bank Mitras are playing a major role in spread of financial literacy by educating the people about banking services and meeting their banking needs. They are mobilizing people for enrollment in three Social Security Schemes, viz. PMJJBY, PMSBY and APY, in far-flung / difficult areas in order to fulfil the National Mission of Financial Inclusion under PMJDY.
  • A total of 2,935 Bank Mitras have been deployed by 7 banks operating in UT of J&K for providing basic banking services, mostly in rural areas.

Bank wise position as on 31.12.2020 is given below:

Name of the
Bank

JKB

SBI

PNB

JKGB

EDB

HDFC

IPPB

TOTAL

Bank Mitras (BM)

Engaged

954

278

57

214

39

145

1,248

2,935

Active

894

251

34

214

10

138

1070

2,611

Inactive

60

27

23

0

29

7

178

324

Micro ATMs
with BCs

Total

909

278

40

45

12

0

1090

2,374

Working

624

233

33

45

8

0

936

1,879

Non- working

285

45

7

0

4

0

154

495

AEPS Devices provided

909

226

40

45

39

145

1,188

2,592

 

 

 

 

   
     
     
     
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Mr. Rajesh Kumar Chhibber
Chairman & MD
Convenor J&K UTLBC
The Jammu & Kashmir Bank Ltd.
Corporate Headquarters
M.A Road, Srinagar,
Jammu and Kashmir, India
Phone: 0194-2481900,
Fax: 0194-2481902

Mr. Sunil Gupta
Executive President,
Lead Bank Department, J&K Govt Banking, Treasury & Subsidiary Management, FID / CSC
Corporate Headquarters
M.A Road Srinagar,
Jammu and Kashmir, India
Telephone/ Fax: 0194-2502642
Ext. No: 1370-1371
Cell No: 9663466604
Email: sunil.gupta@jkbmail.com

UTLBC Secretariat/ Lead Bank Department
J&K UTLBC
Corporate Headquarters
M.A Road Srinagar,
Jammu and Kashmir, India
Telephone/ Fax: 0194-2502639
Ext. No/s: 1139. 1140 and 1141
Email: convenorbank@jkbmail.com

 

 


 
 
 

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