RBI/2007-2008/241
RPCD.SP.
BC. No 49 /09.09.01/ 2007-08 February 19, 2008 All
Indian Scheduled Commercial Banks Dear Sir, Credit Facilities
to Scheduled Castes/Scheduled Tribes- Revised Annexure Please
refer to our Master circular ref. RPCD. No.SP. BC. 2/ 09.09.01/ 2007-08 dated
July 2, 2007 on the captioned subject. In this connection, we advise that guidelines
on lending to priority sector has been revised vide RPCD.No.Plan.BC.84 /04.09.01/2006-07
dated April 30,2007. Accordingly, you may furnish the data on credit facilities
to Scheduled Castes and Scheduled Tribes under priority sector in the revised
Annexure 1 and Annexure 1a enclosed
on a half yearly basis. In addition to above, you may
also take note of the following changes in the para on Reservations for SCs /STs
under the Differential Rate of Interest Scheme in our Master Circular dated July
2,2007. Under the DRI scheme, banks can provide individual
loans upto Rs. 15,000/- at a concessional rate of interest of 4% p.a. to the weaker
sections of the community for engaging in productive and gainful activities. In
addition, members of SC/STs satisfying the income criteria of the scheme can also
avail of housing loan up to Rs. 20,000/- per beneficiary over and above the individual
loan of Rs. 15000/- available under the scheme. ( as announced in the Union Budget
2007-08) The remaining instructions as existing in the
Master Circular on Scheduled Castes and Scheduled Tribes dated July 2, 2007 remains
unchanged. 3. Please acknowledge receipt. Yours
faithfully, (G.Srinivasan)
Chief General Manager
ANNEXURE
I (Paragraph 3)
Statement showing Advances
granted to Scheduled Castes/
Scheduled Tribes as on the last reporting Friday
of March/September
| (Amount
in thousands of rupees) | |
( No: in actual) |
| | |
Scheduled Castes |
Scheduled Tribes |
Total | | | |
No. of Accounts |
Balance Outstan-ding |
No. of Accounts |
Balance Outstan-ding |
No. of Accounts |
Balance Outstan-ding |
| | |
1 |
2 |
3 |
4 |
5 |
6 | |
Sl.No. |
Priority Sector Advances |
| 1. |
Agriculture - Direct
- Indirect
| | | | | | |
| |
Of which advances to small/ marginal farmers with
land holdings of 5 acres or less and landless labourers | | | | | | |
| 2. |
Small Enterprises ( including manufacturing and service
enterprises) - Direct
- Indirect
| | | | | | |
| |
Of which advances to (i ) Manufacturing (
ii) Service Enterprises (iii) Advances to units in the Khadi and village
Industries sector | | | | | | |
| 3. |
Retail Trade | | | | | | |
| 4. |
Education | | | | | | |
| 5. |
Housing Loans | | | | | | |
| 6. |
Micro Credit ( other than loans granted to SHGs/
JLGs for agriculture & allied activities | | | | | | |
| 7. |
State sponsored organisation 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 of
exclusively SC/ST members only. | | | | | | |
| |
Total | | | | | | |
Annexure
1 (a) Statement to be submitted by the public sector
banks as on the last reporting Friday of March / September
| (
Amt. in thousands 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 | | |
| | | | |
NSTFDC is
the National Scheduled Tribes Finance Development Corporation |
|