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:
- 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 |
|
