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Institutionalizing Constitutional RightsPost-Sachar Committee Scenario$

Abusaleh Shariff

Print publication date: 2016

Print ISBN-13: 9780199461158

Published to Oxford Scholarship Online: June 2016

DOI: 10.1093/acprof:oso/9780199461158.001.0001

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(p.427) Appendix A5 Reference Tables for Chapter 7

(p.427) Appendix A5 Reference Tables for Chapter 7

Source:
Institutionalizing Constitutional Rights
Author(s):

Abusaleh Shariff

Publisher:
Oxford University Press

Table A5.1 List of RTIs Sought from Different Departments for PSAs

Letters written on March 5, 2012

S. No.

Departments/Ministries

Address

Subject/Particulars of Information Required

Responses

Letter Sent to Central Government Ministries for All India PSA Data

1

Director, Ministry of Finance, Department of Financial Services (Parliament and Coordination Division)

Jeevandeep Building, Parliament Street, New Delhi

Soc-religious category-wise information on number of accounts and amount outstanding aggregated at state level, for all states, since 2006

Forwarded to Chief General Manager, Rural Planning and Credit Department, RBI, Central Office

2

Central Public Information Officer, Ministry of Finance, Department of Financial Services (Parliament and Coordination Division)

Jeevandeep Building, Parliament Street, New Delhi

Soc-religious category-wise information on number of accounts and amount outstanding aggregated at state level, for all states, since 2006

Forwarded to Chief General Manager, Rural Planning and Credit Department, RBI, Central Office

3

Lok Sabha Secretariat

336, Parliament House Annexe, Parliament Street, New Delhi-110001

Soc-religious category-wise information on number of accounts and amount outstanding aggregated at state level, for all states, since 2006

Forwarded to Chief General Manager, Rural Planning and Credit Department, RBI, Central Office

(p.428) Letter Sent to RBI for PSA Data for RBI-Selected Districts

4

Chief General Manager, Rural Planning and Credit Department, RBI, Central Office

10th Floor, Central Office Building, Shahid Bhagat Singh Rd, Mumbai - 400001

All data on half yearly basis since

the issuance of RBI circular

‘RBI /2006-07/ 52, RPCD No. SP.BC.09 /09.10.01/2006-07, July 5, 2006’ with a view to monitor the performance of banks in providing credit to the specified minority communities.

5

Chief General Manager, Rural Planning and Credit Department, RBI, Central Office

11th Floor, Central Office Building, Shahid Bhagat Singh Rd, Mumbai-400001

Soc-religious category-wise information on number of accounts and amount outstanding aggregated at state level, for all states, since 2006

Soc-religious category-wise information on number of accounts and amount outstanding aggregated at state level, for all states, since 2006 provided.

Source: The author used the RTI act procedure to elicit required information from various government agencies and the RBI.

(p.429) RTI Application No. 1

FORM “A”[See rule 3 (1)]

Chief General Manager-in-Charge

Rural Planning and Credit Department

Reserve Bank of India, Central Office, 10th Floor, Central Office Building Shahid Bhagat Singh Road, Mumbai-400 001

  1. 1.Name of the Applicant: (Suppressed)

  2. 2.Address: Institute of Objective Studies, 162 Jogabai Main Road, Jamia Nagar, New Delhi-110025. Phone number: 01126981187

  3. 3.Particulars of the information required:

    1. 3.1Subject matter of information:

      RBI’s circular: “RBI /2006-07/ 52, RPCD NO. SP.BC.09 /09.10.01/ 2006-07, July 5, 2006”, is with regard to providing access to bank credit by the ‘banks’ in the Government of India’s ‘minority concentration district program’.

      This circular reads as: “With a view to monitoring the performance of banks in providing credit to the specified minority communities, data on credit assistance provided to members of minority communities should be furnished to Reserve Bank of India and to the Government of India, Ministry of Finance, and Ministry of Welfare, on half yearly basis as on the last Friday of March and September every year. The statements (given in Annexure I) should reach RBI within one month from the close of each half-year.” The applicant request RBI to provide all data received so far since the issuance of this circular.

    2. 3.2The period of which the information relates:

      Since the issuance of circular “RBI /2006-07/ 52, RPCD NO SP.BC.09 /09.10.01/2006-07, July 5, 2006”; on a half-yearly basis

      Half-yearly ending September, 2006; March 2007; September 2007; March 2008; September 2008; March 2009; September 2009; March 2010; September 2010; March 2011; September 2011. (p.430)

    3. 3.3Description of the information:

      Disaggregated information for the identified districts and for all socio-religious categories as provided through ANNEXURE 1 of the circular.

  4. 4.The information is required by post or in person:

    Information required by Post in CD. An IPO worth Rs 10 is enclosed as additional fee for CD and postage.

Place: New Delhi

Dated: January 27, 2012

Signature of the Applicant

Enclosed: IPO No.          for Rs 10

___________________________________________________________________

Acknowledgement

Received your application dated….       Vide dairy no …      dated….

Signature of the Public information Officer

RTI Application No. 2

FORM “A” [See rule 3 (1)]

Chief General Manager-in-Charge

Rural Planning and Credit Department

Reserve Bank of India, Central Office

10th Floor, Central Office Building, Shahid Bhagat Singh Road

Mumbai-400 001

  1. 1. Name of the Applicant: (Suppressed)

  2. 2. Address: Institute of Objective Studies, 162 Jogabai Main Road. Jamia Nagar. New Delhi-110025. Phone number: 01126981187

  3. 3. Particulars of the information required:

    1. 3.1 Subject matter of information:

      Socio-religious category-wise information on the number of bank accounts and amount outstanding aggregated at the level of state, (p.431) for all states of India since 2006. Provide annual data series. These data are accumulated by the nodal banks of the respective states under the state level bankers committee (SLBC).

    2. 3.2 The period of which the information relates:

      Year ending 31st March 2006

      Year ending 31st March 2007

      Year ending 31st March 2008

      Year ending 31st March 2009

      Year ending 31st March 2010

      Year ending 31st March 2011

      1st April to 31st December 2011

    3. 3.3 Description of the information:

      Provide the number of bank accounts and the amounts outstanding according to socio-religious categories such as SCs, STs, Other Hindus, Muslims, Christians, Sikhs, Buddhists, Zoroastrians, Jains, etc.

  4. 4. The information is required by post or in person:

    Information required by Post in CD. An IPO worth Rs 10 is enclosed as additional fee for CD and postage.

Place: New Delhi

Dated: January 24, 2012

Signature of the Applicant

Enclosed: IPO No.          for Rs 10

___________________________________________________________________

Acknowledgement

Received your application dated….       Vide dairy no…      dated….

Signature of the Public information Officer (p.432)

Appendix A5 Reference Tables for Chapter 7

भारतीय रिज़र्व बैंक‎

____________RESERVE BANK OF INDIA___________

www.rbi.org.in

RBI/2012-13/92

RPCD.GSSD.BC.No. 8 /09.09.01/2012-13       July 02, 2012

The Chairman/Managing Director

All Indian Scheduled Commercial Banks

Dear Sir,

Master Circular

Priority Sector Lending - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs)

Reserve Bank of India has periodically, issued instructions/directives to banks with regard to providing credit facilities to Scheduled Castes (SCs) and Scheduled Tribes (STs). To enable banks to have current instructions at one place, a Master Circular incorporating all the existing guidelines/instructions/directives has been prepared and is appended. We advise that this Master Circular has been updated and consolidates previous instructions issued by Reserve Bank from time to time, which are listed in Annexure-III.

2. Please acknowledge receipt.

Yours faithfully,

(C.D. Srinivasan)

Chief General Manager

____________________________________________________________

ग्रामीण आयोग और ऋण विभाग, केंद्रीय कार्यालय, 10 वीं मंजिल, केंद्रीय कार्यालय भवन,‎

शहीद भगत सिंह मार्ग, पोस्ट बॉक्स सं. 10014, मुंबई-400 001 फोनः 2260 1000‎

फैक्स: 2261 0943/2261 0948 ई-मेल:‎ cqmrpcd@rbi.org.in

Rural Planning & Credit Dept., Central Office, 10th Floor, Central Office Building,

Shahid Bhagat Singh Marg, P. Box No. 10014, Mumbai 400 001 Tel: 2260 1000

Fax: 2261 0943/2261 0948 E-mail: cqmrpcd@rbi.org.in

(p.433) Index

1. Flow of Credit to SCs/STs

2. Annexure I

Statement showing Advances granted to Scheduled Castes/Scheduled Tribes as on the last reporting Friday of March/September

3. Annexure II

Statement showing Advances granted to Scheduled Castes/Scheduled Tribes under Differential Rate of Interest Scheme as on the last reporting Friday of March

4. Annexure III

List of Circulars consolidated in the Master Circular

(p.434) Master Circular—Priority Sector Lending—Credit Facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs)

  1. 1. Flow of Credit to SCs/STs

    1. 1.1 Special emphasis has been given to the welfare of the scheduled castes and scheduled tribes. Banks should take the following measures to step up their advances to SCs/STs.

      Planning Process

      1. (a) At the block level, a certain weightage is to be given to scheduled castes/scheduled tribes in the planning process. Accordingly, the credit planning should be weighted in favour of scheduled castes/scheduled tribes and special bankable schemes suited to members of these communities should be drawn up to ensure their participation in such schemes and larger flow of credit to them for self-employment. It will be necessary for the banks to consider loan proposals of these communities with utmost sympathy and understanding.

      2. (b) The District Level Consultative Committees formed under the Lead Bank Scheme should continue to be the principal mechanism of co-ordination between banks and development agencies.

      3. (c) The district credit plans formulated by the lead banks should be elaborated to indicate clearly the linkage of credit with employment and development schemes.

      4. (d) Banks will have to establish closer liaison with the District Industries Centres, which have been set up in different districts for promoting self-employment.

      5. (e) Banks should periodically review their lending procedures and policies to see that loans are sanctioned in time, are adequate and production-oriented and that they generate incremental income to make them self-liquidating.

      6. (f) Credit planning should be weighted in favour of Scheduled Castes/Scheduled Tribes. Loans proposals (p.435) of these communities should be considered sympathetically and expeditiously.

      7. (g) While ‘adopting’ villages for intensive lending, villages with sizeable population of these communities may be specially chosen; the alternative of adopting specific localities (bastis) in the concerned villages which have a concentration of these communities could also be considered.

      8. (h) Special efforts should be made to evolve suitable bankable schemes for weaker sections including members of these communities.

      Role of Banks

      1. (i) Bank staff may help the poor borrowers in filling up the forms and completing other formalities so that they are able to get credit facility within a stipulated period from the date of receipt of applications.

      2. (j) In order to encourage SC/ST borrowers to take advantage of credit facilities, greater awareness among them about various schemes formulated by banks will have to be credited. As a majority of the eligibility borrowers would be illiterate persons, publicity through brochures, other literature, etc. will be of limited utility. The most desirable method would be for the field staff of banks to contact such borrowers and explain to them the salient features of the schemes as also the advantages that will accrue. Banks should advise their branches to organize meeting more frequently exclusively for SC/ST beneficiaries to understand their credit needs and to incorporate the same in the credit plan.

      3. (k) Bank should keep Application Register/Deposit Register, Complaint Register in desired order and maintain relevant documents and pass book in local language too, besides in Hindi and English.

      4. (l) Circulars issued by RBI/NABARD should be circulated among the staff for compliance.

      5. (m) Banks should not insist on deposits while considering loan applications under Government sponsored (p.436) poverty alleviation schemes/self-employment programmes from borrowers belonging to SCs/STs. It should also be ensured that applicable subsidy is not held back while releasing the loan component till the full repayment of bank dues. No release of subsidy upfront amounts to under-financing and hampers asset creation/income generation.

      6. (n) The National SC/ST Finance and Development Corporation has been set up under the administrative control of Ministry of Welfare. Banks should advise their branches/controlling offices to render all the necessary institutional support to enable the institution to achieve the desired objectives.

      7. (o) Advances sanctioned to State sponsored organizations of SC/ST, for the specific purpose of purchase and supply of inputs to and/or the marketing of outputs of the beneficiaries viz. artisans, village and cottage industries of these organizations, should be treated as PSAs, subject to the condition that the relative advances are exclusively for the purpose of purchase and supply of inputs to and/or marketing of the outputs of beneficiaries of these organizations.

      Role of SC/ST Development Corporations

      1. (p) The Ministry of Welfare, Government of India has advised all State Governments that the Scheduled Caste Development Corporations can consider bankable schemes/proposals for bank finance. As regards Collateral Security and/or third party guarantee for loans, guidelines issued to banks on priority sector lending will apply.

      Rejection of Applications

      1. (q) If applications in respect of SCs/STs are to be rejected, it should be done at the next higher level instead of at the branch level. Further, reasons for rejection of applications should be clearly indicated. (p.437)

      Centrally Sponsored Schemes

      • There are several major centrally sponsored schemes under which credit is provided by banks and subsidy is received through Government Agencies. Credit flow under these schemes is monitored by RBI. Under each of these, there is a significant reservation/relaxation for the members of the SC/ST communities.

      Reservations for SC/ST Beneficiaries under Major Centrally Sponsored Schemes

      •  

      Swarna Jayanti Gram Swarozgar Yojana (SGSY)

      1. (r) Under Swarna Jayanti Gram Swarozgar Yojana (SGSY) Scheme which is a major poverty alleviation scheme in rural/semi urban areas, not less than 50 percent of the families assisted should belong to SCs/STs.

      Swarna Jayanti Shahari Rozgar Yojana

      1. (s) Under Swarna Jayanti Shahari Rozgar Yojana (SJSRY) which is a poverty alleviation scheme in urban areas, advances should be extended to SCs/STs to the extend of their strength in the local population.

      Differential Rate of Interest Scheme

      1. (t) Under the DRI Scheme, banks provide finance upto Rs 15,000/- at a concessional rate of interest of 4 percent per annum to the weaker sections of the community for engaging in productive and gainful activities. In order to ensure that persons belonging to SCs/STs also derive adequate benefit under the Differential Rate of Interest (DRI) Scheme, bank have been advised to grant to eligible borrowers belonging to SCs/STs such advances to the extent of not less than 2/5th (40 percent) of total DRI advances.

      Scheme for Liberation and Rehabilitation of Scavengers

      1. (u) The National Scheme for Liberation and Rehabilitation of Scavengers is for liberating the (p.438) scavengers and their dependents from the existing hereditary and obnoxious occupation of manually removing night soil and fifth and to provide them with altemate dignified occupation. The scheme covers primarily all scavengers belonging to the scheduled caste community. Scavengers belonging to other communities are also eligible for assistance. The Scheme has now been renamed as Scheme for Rehabilitation of Manual Scavengers (SRMS).

      Reservations for SC/ST beneficiaries under major centrally sponsored schemes

      1. (v) Under SGSY scheme, beneficiaries belonging to SC/ST are entitled to subsidy of 50% of the project cost with a maximum ceiling of Rs 10,000/- as against the subsidy of 30% of project cost with a maximum ceiling of Rs 7,500/- in case of beneficiaries under general category.

      2. (w) Under the DRI scheme, the eligibility criteria that size of landholding should not exceed 1 acre of irrigated land and 2.5 acres of unirrigated land is not applicable to SCs/STs. Moreover, members of SCs/STs satisfying the income criteria of the scheme can also avail of housing loan upto Rs 20,000/- per beneficiary over and above the individual loan of Rs 15,000/- available under the scheme (as announced in the Union Budget 2007–2008).

  2. 2. Monitoring and Review

    1. 2.1 A special cell should be set up at the Head Office for monitoring the flow of credit to SC/ST beneficiaries. Apart from ensuring the implementation of the RBI guidelines, the cell would also be responsible for collection of relevant information/data from the branches, consolidation thereof and submission of the requisite returns to RBI and Government.

    2. 2.2 Convenor bank (of SLBC) should invite the representative of National Commission for SCs/STs to attend SLBC (p.439) meetings. Besides, the Convener bank may also invite representatives from National Scheduled Castes and Scheduled Tribes Finance and Development Corporation (NSFDC) and State Scheduled Castes and Scheduled Tribes Finance and Development Corporation (SCDC) to attend SLBC meetings.

    3. 2.3 A periodical review should be made by the Head Office of banks of the credit extended to SCs/STs on the basis of returns and other data received from the branches.

    4. 2.4 The Board of Director should review on quarterly basis, the measures taken to enhance the flow of credit to SC/ST borrowers. The Review Notes, besides indicating the actual performance of the bank during the relevant quarter, should also contain information about how the bank proposes to expand the coverage of this sector in the context of potential for business and its network of branches with particular reference to such schemes as DRI, SGSY, etc. The review should also consider the progress made in lending to these communities directly or through the State-level Scheduled Caste/Scheduled Tribe Corporations for various purposes based, amongst others, on field visits of the senior officers from the Head Office/Controlling Offices. A copy each of such review notes should be sent to Reserve Bank.

  3. 3. Reporting Requirements

    It has been considered necessary to have data of banks advances for SCs and STs under priority sectors and Differential Rates of Interest (DRI) Scheme separately. Accordingly banks may submit to RBI on half-yearly basis as on the last reporting Friday of March and September a statement showing the credit extended to SCs and STs under priority sectors (Annexure I). Further, banks may submit to Reserve Bank on yearly basis as on the last reporting Friday of March a statement showing the credit extended to SCs and STs under DRI Scheme (Annexure II). The statements should reach RBI within two months from the end of the relevant half-year/year.

(p.440)

Annexure I (Paragraph 3)

Statement showing Advances granted to Scheduled Castes/Scheduled Tribes as on the last reporting Friday of March/September

(Amount in thousand of rupees)

(numbers in actual)

Scheduled Castes

Scheduled Tribes

Total

No. of Accounts

Balance Outstanding

No. of Accounts

Balance Outstanding

No. of Accounts

Balance Outstanding

1

2

3

4

5

6

Priority Sector Advances

1

Agriculture

(a) Direct

(b) Indirect

Of which advances to small/marginal farmers with landholdings of 5 acres or less and landless labourers

2

Small Enterprises (Including manufacturing and service enterprises)

(a) Direct

(b) Indirect

Of which advance to

(i) Manufacturing

(ii) Services Enterprises

(iii) Advances to units in khadi and

village industries sector

(p.441) 3

Retail Trade

4

Education

5

Housing Loans

6

Microcredit (other than loans granted to SHGs/JLGs for agriculture & allied activities)

7

State sponsored organization for SC/ST for purchase and supply of inputs to and/or marketing of outputs of the beneficiaries (may be shown under columns 5 and 6)

8

Loans granted to members of SC/ST for purposes other than the above organized as partnership firms, SHGs/JLGs, etc. but consisting exclusively of SC/ST members only

Total

(p.442)

Annexure I(a) Statement to be submitted by the public sector banks as on the last reporting Friday of March/September

(Amount in thousand of rupees)

Scheduled Tribes

Applicable only for Public Sector Banks

No. of Accounts

Balance Outstanding

Loans disbursed to SHGs belonging to STs under the NSTFDC* Micro-credit Scheme

Note: (*) NSTFDC - National Scheduled Tribes Finance Development Corporation.

(p.443)

Annexure II Advances under Differential Rate of Interest Scheme as on the last reporting Friday of March

Scheduled Castes

Scheduled Tribes

Total

No. of Accounts

Balance Outstanding

No. of Accounts

Balance Outstanding

No. of Accounts

Balance Outstanding

1

2

3

4

5

6

1

Advances directly granted

2

Routed through

(a) Regional Rural Banks

(b) State sponsored Corporations of Scheduled Castes/Scheduled Tribes

(c) Co-operatives/LAMPS identified in specific tribal areas by Government

Total

(p.444)

Annexure III Credit Facilities to Scheduled Castes/Scheduled Tribes

List of Circulars Consolidated in the Master Circular

No.

Circular No.

Date

Subject

1

DBOD.No.BP.BC.172/C.464(R)-78

12.12.78

Role of Banks in Promoting Employment

2

DBOD.No.BP.BC.8/C.453(K)-Gen

09.01.79

Agricultural Credit to Small and Marginal Farmers

3

DBOD.No.BP.BC.45/C.469(86)-81

14.04.81

Credit Facilities to SC/ST

4

DBOD.No.BP.BC.132/C.594-81

22.10.81

Recommendations of the Working Group on the Development of Scheduled Castes

5

RPCD.No.PS.BC.2/C.594-82

10.09.82

Credit Facilities to SC/ST

6

RPCD.No.PS.BC.9/C.594-82

05.11.82

Concessional Bank Finance to SC/ST Development Corporations

7

RPCD.No.PS.BC.4/C.594-83

22.08.83

Credit Facilities to SC/ST

8

RPCD.No.PS.1777/C.594-83

21.11.83

Credit Facilities to SC/ST

9

RPCD.No.PS.1814/C.594-83

23.11.83

Credit Facilities to SC/ST

10

RPCD.No.PS.BC.20/C.568(A)-84

24.01.84

Credit Facilities to SC/ST - Rejection of Loan Applications

11

RPCD.No.CONFS/274/PB-1-84/85

15.04.85

Role of Private Sector Banks in Lending to SCs/STs

12

RPCD.No.CONFS.62/PB-1-85/86

24.07.85

Role of Private Sector Banks in Lending to SCs/STs

13

RPCD.No.SP.BC.22/C.453(U)-85

09.10.85

Credit Facilities to Scheduled Tribes under DRI Scheme

14

RPCD.No.SP.376/C.594-87/88

31.07.87

Credit Facilities to SC/ST

15

RPCD.No.SP.BC.129/C.594(Spl)/88-89

28.06.89

National SC/ST Finance and Development Corporation

(p.445) 16

RPCD.No.SP.BC.50/C.594-89/90

25.10.89

Scheduled Caste Development Corporation - Instructions on Unit Cost

17

RPCD.No.SP.BC.107/C.594-89/90

16.05.90

Credit Facilities to SC/ST

18

RPCD.No.SP.1005/C.594/90-91

04.12.90

Credit facilities to Scheduled Castes and Scheduled Tribes - Evaluation Study

19

RPCD.No.SP.BC.93/C.594.MMS-90/91

13.03.91

Scheduled Caste Development Corporation (SCDCs) - Instruction on Unit Cost

20

RPCD.No.SP.BC.122/C.453(U)-90-91

14.05.91

Housing Finance to SCs/STs - Inclusion under the DRI Scheme

21

RPCD.No.SP.BC.118/C.453(U)-92/93

27.05.93

Priority Sector Advances - Housing Finance

22

RPCD.No.LBS.BC.86/02.01.01/96-97

16.12.96

Inclusion of National Commission for SCs/STs in State Level Bankers Committees (SLBCs)

23

RPCD.No.SP.BC.124/09.09.01/96-97

15.04.97

Parliamentary Committee on the Welfare of SCs/STs - Insisting on Deposits from SCs/STs by Banks

24

RPCD.No.SAA.BC.67/08.01.00/98-99

11.02.99

Credit Facilities to SCs/STs

25

RPCD.No.SP.BC.51/09.09.01/2002-03

04.12.02

Proceedings of the work shop on the role of financial institutions in the development of SCs and STs

26

RPCD.No.SP.BC.84/09.09.01/2002-03

09.04.03

Amendment to the Master Circular

27

RPCD.No.SP.BC.100/09.09.01/2002-03

04.06.03

Changes in the reporting system

28

RPCD.No.SP.BC.102/09.09.01/2002-03

23.06.03

Sample study for review of credit flow to SCs and STs - Major Findings

29

RPCD.SP.BC.No.49/09.09.01/2007-08

19.02.08

Credit facilities to SC/STs - Revised Annexure