PROCEEDING OF 116TH SLBC MEETING
HELD ON 31.12.08 AT BHUBANESWAR
The 116th State Level Bankers Committee meeting of Orissa was held on 31.12.2008 at
Bhubaneswar under the Chairmanship of Shri S.K.Goel, Chairman & Managing Director,
UCO Bank and Chairman, SLBC. Among others it was attended by Shri Prafulla Chandra
Ghadai, Hon’ble Finance Minister, Orissa; Shri T.K.Mishra, Addl.Chief Secretary-cum-
Development Commissioner,Govt. of Orissa; Shri D.P.Das, Special Secretary to Finance
Department, Govt. of Orissa; Shri Kaza Sudhakar, Regional Director, Reserve Bank of India,
Bhubaneswar; Shri Chitta Ranjan Pattnaik, CGM, NABARD, Regional Office, Bhubaneswar;
Shri M. N. Rao, Chief General Manager, State Bank of India, Local Head Office,
Bhubaneswar. The list of participant is annexed.
Shri R. K. Mukherjee, General Manager, UCO Bank and Convenor, SLBC, Orissa welcomed
Shri Prafulla Chandra Ghadai, Hon’ble Finance Minister, Orissa; Shri S.K.Goel, Chairman &
Managing Director, UCO Bank and Chairman, SLBC, Orissa; Shri T.K.Mishra, Addl.Chief
Secretary cum Development Commissioner, Orissa; Shri Kaza Sudhakar, Regional Director,
Reserve Bank of India and other dignitaries in the dais, participants from Government
Departments, Agencies and banks.
KEY NOTE ADDRESS BY SHRI S.K.GOEL, CMD, UCO BANK AND CHAIRMAN SLBC,
The Chairman, UCO Bank welcomed Shri Prafulla Chandra Ghadai, Hon’ble Finance
Minister, Orissa and other dignitaries and participants to 116th SLBC meeting. While
extending New Year greeting to all present in the meeting, Shri Goel, expressed as follows:-
• The global economic crisis has affected the almost all countries in the world while Indian
economy is survived and banking in India is safe due to remedial measures taken jointly
by Reserve Bank of India and Government of India. Various packages have been given
by Govt. of India to bell out Indian economy from that crisis.
• The year ahead is going to be very challenging because of the turbulence in global
economy. The economic melt down will have cascading effect and they are going to be hit
in one form or the other. All of us have to be vigilant and to work united to face any
panicky of any kind.
• Fall in crude oil prices and inflation has come as a great relief and the twin phenomena
will enable us to sail through during this critical juncture.
• The 116th SLBC has been convened at the behest of Reserve Bank of India to discuss
important issues particularly relating to MSME (Micro Small & Medium Enterprises) in
• He said that issue of MSME (Micro Small & Medium Enterprises) and performance of this
sector is of great importance.
• As a result of globalization and liberalization, coupled with WTO (World Trade
Organization) regime, Indian SMEs have been passing through a transitional period. With
slowing down of economy abroad, particularly in USA and EU (European Union) and
enhanced competition from China and a few low cost centers of productions, many units
have been facing a tough time.
• Small & Medium Enterprises are the blood vessels of the national economy and SMEs
provide the country with a diverse range of products from very basic to the highly
sophisticated. They are the backbone of industrial development of the country as every
major industry has several SMEs on the supplier side contributing to its success. Apart
from mineral based industries, there are enough opportunities in Orissa to establish agro
based, food processing, automobile and information technology projects in the state. With
huge investment, coming into Orissa for setting up of large scale industrial units, there is a
great prospect and opportunity for banks and financial institutions in the state to expend
their credit portfolio in this sector.
• Further SMEs being the second largest employment provider after agriculture deserve all
possible financial help for their existence and growth.
• Lack of timely and adequate finance has been quoted by such enterprises as the biggest
bottleneck for their growth and expansion. It is desired that banks should provide
adequate and timely credit.
• Banks should take coverage of Credit Guarantee Fund Trust for Micro & Small enterprises
(CGTMSE) which helps the entrepreneurs to avail collateral free loan up to Rs.50 lakhs.
• It is observed that financing SME units under cluster approach is not picking up to the
desired extent. Hence banks and Govt. Line Department should make joint strategies to
increase finance to SME sectors under cluster approach.
• In response to the call of Hon’ble Finance Minister, Govt. of India in the Parliament on
August 10, 2005 for stepping up credit to Small & Medium Enterprises, all public sector
banks in Orissa have doubled the credit flow to SME by September, 2008, much prior to
scheduled date of March, 2010.
• He requested the bankers to concentrate on Financial Literacy. It is a fact that bankers
are making commendable efforts in implementation of 100% Financial Inclusion. There is
an urgent need to inculcate Financial Literacy among the poor beneficiaries of the rural
areas. Financial Inclusion without Financial Literacy will only render many of the accounts
• He praised the efforts of Mr.Sudhakar,Regional Director, who has been a source of great
inspiration for implementation of IT enabled Financial inclusion and UCO bank has
already introduced IT enabled Financial Inclusion amongst the vulnerable sections of the
society to have access to the bank.
• 80% of the population of Orissa depend upon agriculture and allied activities for their
livelihood. There is an urgent need for implementation of 100% Financial Inclusion
throughout the state. Banks have to issue more number of Kissan credit cards to the
• The process of Financial Inclusion of 14 districts namely Kendrapara, Koraput,
Kandhamal, Kalahandi, Nuapada, Bargarh, Jharsuguda, Jagatsinghpur, Bhadrak,
Balasore, Angul, Dhenkanal, Mayurbhanj and Gajapati which was scheduled to be
completed by 31st Oct, 2008 is lagging behind. All out effort must be made by all
concerned to complete the task as soon as possible. Technology based Financial
Inclusion will be a better method of enabling the rural folk to have easy access to the
banking activities. He requested the State Government to kindly support such IT enabled
• Under the umbrella of Mission Shakti of Govt. of Orissa, more than 3 lakhs WSHGs
(Women Self Help Groups) have been credit linked with the banks and more than 3
million women have been involved in the movement. It is definitely a commendable
achievement. He urged the banks and financial institutions to increase the credit linkage
to Self Help Groups, particularly Women Self Help Groups and there by reach out to a
large number of people. This will go a long way to achieve empowerment of women which
is one of our important social objectives.
• In the past years, credit delivery under PMRY has been commendable. It is desirable that
the same trend in the form of PMEGP advance should continue. He was quite hopeful that
PMEGP (Prime Minister’s Employment Generation Programme) would be implemented
successfully by the banks during 2008-09 in letter and spirit. Industries Department, Govt.
of Orissa / KVIC (Khadi & Village Industries Commission) and KVIB (Khadi & Village
Industries Board) are requested to render handholding services in implementation of
PMEGP as has been given to banks in previous years in implementing PMRY and REGP
• Credit flow to SC / ST sector is to be given top priority by the banks as the SC / ST
population constitutes 39% of the total population of the state as per 2001 census. He
requested the bankers to finance scavengers and dependants under SRMS (Self
Employment Scheme for Rehabilitation of Manual Scavengers) as 2008-09 is the year of
implementation of subject scheme and scheme will come to end by 31.3.2009.
• He had no hesitation in stating that there is excellent rapport and understanding between
the banks and Govt. officials in the state of Orissa. The synergic relationship only enabled
the banking sector to discharge its role very effectively to facilitate the overall growth and
development of the state.
HIGHLIGHTS OF THE SPEECH OF SRI PRAFULLA CHANDRA GHADAI, HON’BLE
FINANCE MINISTER, GOVT. OF ORISSA
While extending New Year good wishes to all he observed as follows:-
• The Government has faced many ups and down during 2008. The devastating flood
situation in 2008 has been combated successfully by the Government in a big way. Steps
have been taken to handle the drought in many parts of the state. The communal riot of
Kandhamal has been successfully dealt with.
• SHG Bank Linkage Programme can be regarded as most potent incentive since
independence for delivering financial services to the poor in a sustainable manner. SHG
Bank Linkage Programme is now more than 15 years old. There are large numbers of
SHGs in our country who are well established in their savings and operations. Savings of
SHG members constitutes the rural strength on which SHG Bank Linkage Programme is
based upon. Experience of Financial management is a means of developing self
governance, capabilities, skill upgradation and capacity buildings of the members.
• He said that in our state, there has been increasing of SHG numbers everyday and are
functioning very well. All concerned should extend support to the cause of WSHGs with
an objective of empowerment of women in our state.
• He expressed that MFIs because of their uniquely positioned plays a significant role in
facilitating inclusion and reaching out the rural poor.
• He told that nationalized banks who have been financing to MFIs should have control over
the activities of MFIs as it is observed that most of the borrowers are financed by MFIs for
consumption loan, Retail trade and small business loans at a exorbitant rate of interest
even though MFIs have access to cheap bank credit.
• He requested the Regional Heads of banks to ensure that MFIs financed by them should
not charge exorbitant rate of interest from the ultimate borrowers. He desired that loan
taken by MFIs are not reaching the ultimate borrowers in some cases or other as MFIs do
not provide KYC data and personal data of the loanees, they even produce forged land
records at the banks.
• It is noticed that some of the MFIs are indulged in fraudulent practices to siphon crores of
rupees particularly from the ICICI bank.
• He cautioned ICICI bank which is not contributing in the poverty alleviation programme of
the state are indulged in these activities.
• He expressed that to augment the economy of the state, SME sector plays a very vital
role. In mega project, in 5 lakhs rupees investment generates only one employment while
in small investment in SME sector provides large number of employment.
• He raised that why the banks are feeling shy to lend to this sector.
• He expressed happiness that banks in Orissa have doubled the loan to SME sector much
ahead of the stipulated date of March, 2010.
• He said that each urban and semi urban branch of Public Sector banks and RRBs should
finance at least five new SME account per year.
• Banks should come forward to finance SME sector under cluster approach and treat it as
• He observed that tiny segment of small enterprises have inadequate access to the finance
due to lack of financial information and non formal business practices. SME has also lack
access to private equity and venture capital and a very limited access to secondary
• SME face fragmented market in respect of their inputs as well as products which are
vulnerable to market fluctuations. SMEs lack easy access to interstate and international
• He told that there is an immediate need for banking sector to focus on finance
requirement of SMEs.
• IPR (Industrial Policy Resolution) is being amended in the state for growth of SME sector
in the state.
• In view of the melting down of World economy, all are the victim of world recession, as
said by Reserve Bank of India, Governor, it will continue up to 2010. All concerned should
chalk out a plan how to wriggle out of the situation which is going on. The effect is more
on mega industries like steel industries, charge chrome industries etc.
• He emphasized that focus area for the upliftment of the economy of the state is SME
• He touched upon the bankers to improve the CD ratio of the banks in the state. As
revealed from 115th agenda note of SLBC meeting held on 30.10.2008 it was noticed that
some banks like Allahabad Bank, Canara bank, Corporation Bank, IDBI bank, Indian
Overseas Bank, Punjab National Bank, Punjab & Sind Bank, State Bank of Hyderabad,
State Bank of Travancore, State Bank of Mysore, Syndicate Bank, United Bank of India,
Vijaya Bank, Federal Bank, HDFC Bank, Axis Bank, Indus Ind Bank had low CD ratio
which is to be improved in coming days. He requested the Regional Heads and Chairman
of RRBS with low CD ratio to take necessary steps to increase their credit in different
sector to improve CD ratio.
• Finally he stressed upon the implementation of Financial Inclusion in true sense. It implies
that people should have access to the bank / Financial Institutions at a large in putting
their savings which can be withdraw in case of emergency. It necessitates that unbanked
population get bank accounts, such banks accounts ensures safe and reliable payment
system, old age pension, creation of track records to provide bank service in remote
• Finally he concluded that state is in the path of progress & prosperity and all have to
explore the speeder progress of the state.
HIGHLIGHTS OF THE SPEECH OF SHRI TARUN KANTI MISHRA, ADDL. CHIEF
SECRETARY-CUM-DEVELOPMENT COMMISSIONER, GOVT. OF ORISSA
While speaking about the global recession in a globalization era, a small economy somewhere in the
globe world influence the economic activity of other nations, there is a need to have rigorous thinking,
pragmatic approach to protect the economy and to maintain the tempo of development he observed as
• Resources are dwindling due to recession in the market. In the context of burden of pay
revision, consequent upon the pay revision of Central Government, banking sector has a
crucial role to play to securitize the economy particularly the unprotected section of the
people and to empower them also.
• He appealed the bankers to consider the genuine needs & potentials & the commitment of
WSHGs. Bankers should cooperate to achieve the target set to them in financing WSHGs
for empowerment of women in rural areas.
• He gave emphasis for financing to MSME sector which are the driving force for any
economy. MSME are the engine of growth.
• It is a fact that return on capital or employment potential of a small industry or medium
industry is much more in compare to a big industry. In many cases it is eight times in
terms of employment potential. Banks have to consider the genuine needs and
opportunities of the industries.
• Under coverage of CGTMSE (Credit Guarantee Fund Thrust for Micro & Small Enterprise)
it is observed that the average loan size covered under the scheme in Orissa is Rs.1.73
lakhs, which is much less than national average of Rs.2.94 lakhs.
• While telling about the extremist activities, naxal activity in specific which is surfaced in
some parts of country notably in backward areas in Orissa, Andhra Pradesh,
Chhattisgarh, he told that there is sense of depression among people, although
development takes place in the state, but the people in those area are not the partners of
progress and they do not get their legitimate due, the fruits of development do not reach
• All concern have to address the backward areas where percept sense of deprivation
• State Government has initiated number of programmes like State Employment mission,
number of programme for them in Educational Institutes for the backward areas,
Agriculture Programmes etc.
• To meet the needs of local people, credit must be available to the people of backward
HIGHLIGHTS OF SPEECH OF SHRI KAZA SUDHAKAR, REGIONAL DIRECTOR, RBI,
While telling the importance of MSME sector in generation of employment, in the context of
global recession, he noticed as follows:-
• Large areas of the state are unbanked. In the large areas of the district no bank branches
are there. There must be some infrastructure in somewhere for doing lending activities. In
areas having access to the bank between 50km. to 100 kms, lending activities cannot be
undertaken. To mitigate this problem some methods / technologies must be adhered to
sort out the problems and banks should come forward to face the situations. He gave
importance for technology based financial inclusion in unbanked areas through IT enabled
Financial Inclusion. In implementation of NREGA, initiatives of State Government has to
be supported. He requested the State Government to share the implementation of
NREGA with UCO bank also. The programme has to be completed in fixed time frame,
not open ended time frame.
• He opined that currency note position is very bad in Orissa and advised the banks to open
currency chest in unbanked areas where RBI will bear 50% of the cost.
• In all thirty districts of Orissa, Lead bank should organize workshop / meeting with
bankers and entrepreneurs of MSME sector to popularize MSE code which BCSBI
(Banking Codes & Standards Board of India) to make them aware of their rights and
obligations. It should be completed within 2 months.
• All the bank branches must adhered to BCSBI and should do for their customers.
• Banks operating in the state should finance MSME sector to boost the economy of the
Agenda Item No. : 01
Performance under MSME Sector
After the brainstorming discussions on the issue, following action points emerged out to be
followed by all concerned.
1) The performance of banks in financing SME sector requires improvement. Banks operating
in the state and Govt. Line Department should take all possible steps for increasing credit
flow to this sector. Pending SSI (MSME) loan proposals with various banks must have to be
disposed of at the earliest. It was pointed out by CGM, NABARD that banks should adopt
the clusters identified by NABARD. Project reports, Project profiles can be formulated with
bank’s assistance when banks adopt cluster, then identification of entrepreneurs can take
place. DIC should come forward regarding identification of entrepreneurs. Diagnostic study
is supported by Ministry of MSME, Government of India.
Banks operating in the state should adopt the clusters as given below.
Plastic cluster in Balasore
Rice mill cluster in Baragarh
Rice mill cluster in Kalahandi
Cashew cluster in Ganjam & Gajapati
Pottery & Granite cluster in Bolangir
Banks should adopt 70clusters identified by NABARD. NABARD was requested to share
the list of clusters / cluster map amongst all banks operating in the state for their
adoption. NABARD is agreed to be the partner in the process of adoption of clusters.
Action : Banks / Industries Deptt., Govt. of Orissa / Directorate of Textiles & Handloom.
02) The bank should finance more & more under MSE sector and take coverage under
Credit Guarantee Fund Trust Scheme for MICRO & SMALL ENTERPRISES which
help the entrepreneurs to avail collateral free loan upto Rs.50 lakhs. It was noticed that
average loan size covered under the scheme is Rs. 1.73 lakhs which is less than all
India coverage of Rs.2.94 lakhs. RRBs suggested that coverage of scheme of
CGTMSE (Credit Gurantee Fund Trust Scheme) should be applicable to the units set
up by entrepreneurs availed loan from RRBs. SIDBI may be requested to look into it.
Action : Banks / KVIB / KVIC / SIDBI.
• As regards implementation of CLCSS (Credit Linked Capital Subsidy Scheme) banks
should cover more number of units for technology upgradation of the industrial unit
and the scheme has been extended up XIth plan period (2007-2012). The scheme is
useful for the bankers as well as for the entrepreneurs who are availing finance for
upgradation to technology to increase the production of goods. It has been decided
that banks should incorporate whether the unit is eligible for CLCSS or not in
application form and loan processing proposal.
• SIDBI & NABARD is the nodal agencies for implementation of Credit Linked Capital
Subsidy Scheme(CLCSS). Government of India has appointed nine more agencies
which include State Bank of India, Canara bank, Bank of Baroda, Punjab National
Bank, Bank of India, Andhra Bank, State Bank of Bikaneer & Jaipur, etc.
• SIDBI should make awareness campaign and conduct the workshop to popularize the
scheme. It was also decided that SIDBI to hold the workshop involving NABARD,
bankers and Government Department to popularize the scheme in our state.
• Strategies to improve finance under SME sector as mentioned in page no. 2 to page
no. 5 of 116th SLBC meeting is to be followed by all concerned to increase the credit
flow to SME sector.
Action : SIDBI / Banks /Govt. Line Department.
Agenda Item No. : 2
A. Issue relating to PMEGP
• The PMEGP is being implemented through 3 implementing agencies i.e. KVIC, KVIB &
DICs. Target of KVIC. Both District wise and Bank wise and target of KVIB of District wise
has been given in agenda of 115th SLBC meeting held on 30.10.2008 and target of DIC
( both Bank wise & Dist. wise) and target of KVIB of Bank wise has been given in 116th
• It was decided that more target of KVIC, KVIB & DIC is to be given to PVT. Sector banks
operating in Orissa. KVIB, KVIC and Director of Industries were requested to allocate
more target to Private Sector Bank, operating in the state.
• It was reported in many district that District Level Task Force Committee already
constituted. The districts where Dist. Level Task Force was not constituted, it should be
constituted without further delay. The Director of Industries is requested to kindly look into
• All banks were requested to achieve the target set to them under PMEGP for 2008-09.
Agenda Item No. : 3
• 100% Financial Inclusion of 14 district i.e. Kendrapara, Koraput, Kandhamal,
Kalahandi, Nuapara, Baragarh, Jharsuguda, Jagatsinghpur, Bhadrak, Balasore has to
be completed as soon as possible.
• Follow up action is to be taken by SLBC and all Regional Heads of bank to complete
the task. All out efforts should be made to complete the 100% Financial Inclusion of
entire state by 2009.
Action : Banks / SLBC.
Agenda Item No. : 4
A. Issue related to Mission Shakti Department
• It was decided to reschedule the loan of 12647 WSHGs belonging to 137 flood
affected blocks of 19 number of districts. It has to be discussed and finalized in the
district level meeting.
• Banks may consider financing WSHGs registered under Self Help Co-operative
Act,2001 as per Chapter V, Column 2 under mobilization of funds / Credit assistance,
given in Annex-VII ( Page no.27 to 30 of 116th SLBC meeting Agenda Note held on
• To build up the capacity of SHGs, funds given by Government is to be released to
WSHGs by the banks without further delay.
• Regarding collection of commission from Government transactions it was opined by
RBI that banks should not charge commission, if funds is transferred from one
department to other Department of Government. If any bank deviating the guideline
collects commission wrongly, it may be referred to RBI for its remedial. If also cheque
issued by the Government in favour of beneficiaries and commission is charged, this
may be referred to RBI for its redressal.
• The district wise data on WSHGs has to be submitted in a simplified format to Mission
Shakti Department as well as to SLBC by the Lead District Manager under his
signature if he is not able to reconcile with DSWOs / NABARD a monthly basis. All
LDMs are requested to submit monthly data to the Mission Shakti Department with a
copy to SLBC.
• Transparency in the operation of MFIs and the area of operation are to be determined.
The lending Institution / banks have to share the details information of financing to
MFIs and MFIs on lending to SHGs / WSHGs / JLGs for monitoring their activity.
Lending institutions which have financed MFIs must have to monitor about functioning
of MFIs for on lending to SHGs / WSHGs / Joint Liability Groups and lending
Institutions must know interest charged by the MFIs / NGOs to the ultimate borrower.
MFIs and NGOs should not charge exorbitant note of interest to ultimate WSHGs /
Agenda Item No. : 5
State Employment Mission
• Under Sate Employment Mission, banks have to achieve the targets allotted to them
for 2008-09 to provide self employment to unemployed youth.
• Public Sector Banks have been doing well in financing to entrepreneurs / beneficiaries
under Self Employment Mission where as Pvt. Sector Banks are not involved in Sate
Employment Mission. Hence Pvt. Sector Banks are requested to participate and
finance to beneficiaries under State Employment Mission. RBI was requested to kindly
look into the matter.
Action : Banks / RBI / State Employment Mission.
Agenda Item No. : 6
Performance under OSFDC Scheme
• Banks have to finance Scavengers and their dependants under SRMS (Self
Employment Scheme for Rehabilitation of Manual Scavengers) as a national priority.
The objective of scheme is to assist the Scavengers and their dependants which are
yet to be rehabilitated in a time bound manner by March, 2009.The year 2008-09 is the
year of implementation of subject scheme and the scheme will come to end by
• It was found that large number of applications under SC/ ST sector is pending with
various banks to be financed during 2008-09.
• Banks have to sanction and disburse the same without violating the guidelines.
• It was stated by MD, OSFDC that release of subsidy is not at all a problem, banks
should finance SC/ST sector not only to increase the credit flow to SC/ST sector but
also for their empowerment.
Agenda Item No. : 7
Issue raised by Department of Information Technology, Govt. of Orissa, Bhubaneswar
ROLLING OUT OF JAN SEVA KENDRA (Common Services Center) & PROVIDING
FINANCIAL INCLUSION SERVICES THROUGH THE CSCs.
While telling about the CSCs, Shri P.K.Mohapatra, Secretary, Information Technology Deptt,
Govt. of Orissa, observed as follows:
• Govt. of India will establish one lakh Common Services Centers and Orissa will have
8500 centers which will be located in Panchayat Head Quarter. Aim is to provide all
services at village level in all Panchayat.
• Govt. of Orissa has already set up 500 centers and there will be 6000 centers by April,
2009. In other states, banks have come forward to utilize the services of these centers.
This is the best network for all Financial Inclusion services.
• Govt. has plan to establish all 8500 Common Services Centers by Sept, 2009.
• All B2B (BUSINESS TO BUSINESS), B2C (BUSINESS TO CITIZEN OR BUSINESS
TO CUSTOMERS) will be provided in Common Service Center.
• It will have 150 sq.ft room in each Panchayat.
Department of Information Technology gave a Power Point Presentation on Common
Services Center. The features of the Presentation in brief are enumerated below.
Objective: Anytime, Anywhere, Service delivery at doorsteps of rural citizen
The natural e-governance plan is based on a three pillar model i.e.
1. STATE DATA CENTER
2. STATE WIDE NETWORK (Delivery Channel)
3. FRONT AID MECHANISM ( Common Services Center i.e JANA SEVA
KENDRA IN ORISSA)
8558 CSCs has to be rolled down in Orissa. Focus is rural entrepreneurship and market
Govt. of India, Govt. of Orissa, Rural entrepreneur join their effort together.
Salient Features of CSC
• It is a Public-Private partnership Programme.
• The focus is on rural entrepreneurship and market mechanism
• The banking service is to be provided whether rural & urban in a mission model
through this CSC.
(Services like issue of Bus pass, Birth & Death Certificate, Patta, Bill payment,
Railway ticket booking & many other services will be provided at doorsteps)
• There will be two laptop at the desktop with 24 hour connectivity.
• Uninterrupted connectivity is to be provided to this sector.
• After the post offices and PACS (Primary Agriculture Co-operative Society) this
will be the largest network center in rural areas.
• This will be the largest IT enabled infrastructure on the basis of which anything
and everything can be provided to the rural people.
• Registrar, Co-operative Society and MD, Co-operative Bank were requested to
allow PACs (Primary Agricultural Co-operative Societies) to operate through
CSCs because in the Baidyanathan Committee Report Scenario, PACs can be
emerged as the front line delivery mechanism in rural areas and it is a better
As a part of National e-Governance plan, Govt. Of Orissa has signed Master
Service Agreement (MSA) with reputed private partner to rollout 8558 JANA SEVA
KENDRAS IN Orissa as apart of CSC project.
ALLOCATION OF CSCs TO SCAs
Name of SCA CSCs allocated
ZOOM Developers Ltd. 3236
SREI Infrastructure Ltd 3648
• Village Level Entrepreneur (VLE) would play an important role in operating the project
and would provide both Government/Non Government citizen centric services in the
rural areas. The JANA SEBA KENDRAS would function at least one in each Gram
• It was suggested that these JENA SEBA KENDRAS may be considered to function as
Financial Inclusion Centre or Business Correspondent of different banks.
• RBI has said that CSCs (Common Service Centre) cannot be the BUSINESS
CORRESSPONDENTS of the banks. Banks have to be guided by the RBI
directives only in the matter of appointing Business Correspondent of a
Actions: RBI / Banks/ Deptt. of Information Technology, Govt. of Orissa.
Issues raised by banks in Orissa
• In the (SRFAESI) Act 2002, Chief Metropolitan Magistrate or District Magistrate are
empowered to grant permission for taking possession of such assets by the secured
creditors and at the time of taking physical possession of secured assets, banks are
facing difficulties in eviction of tenants or the occupants of the mortgaged properties. If
the district authority does not co-operate the banks in taking possession, the very
purpose of SRFAESI Act is defeated. After the exchange of deliberations it was
decided that Finance Deptt, Govt. of Orissa will write to all the collectors for doing the
Action: Finance Department, Govt. of Orissa.
Issue raised by Chief Manager, SBI, Lead Bank Office, Nawarangpur & Malkanagiri
Exclusion of Malkanagiri district from crop insurance (Paddy) for current Rabi season
• In response to the issue it was decided that, the matter will be reviewed and will be
taken up with the appropriate authority of State Govt. so as to include the Malkanagiri
District for crop insurance for current-Rabi season (Paddy).
• DIF, Govt. of Orissa was requested to kindly look into the matter.
Action: DIF/ Regional Manager, Crop Insurance, Bhubaneswar.
At the end, Shri C.P.Das, Chief Officer, SLBC, UCO bank proposed vote of thanks to Chair
as well as to participants.