www.bankofbaroda.com

MINUTES OF THE 89TH MEETING OF STATE LEVEL BANKERS' COMMITTEE RAJASTHAN HELD AT JAIPUR, DATE 11.07.2006

The 89th Meeting of SLBC, Rajasthan was held on 11.07.2006 at Jaipur under the Chairmanship of Dr. Anil K. Khandelwal, Chairman and Managing Director, Bank of Baroda. Shri S.K. Bhattacharyya, Managing Director, SBBJ, Regional Director, Reserve Bank of India, Chief General Manager, NABARD, Secretaries to State Government, Representative of Banks and other developmental agencies were also present on this occasion. The list of members, who attended the meeting, is annexed.

Shri Nandan Srivastava, Convenor, State Level Bankers' Committee and Zonal Head, Bank of Baroda welcomed Dr. Anil K. Khandelwal, other dignitaries and participants to the meeting.

He presented before the house a brief account of the developments that have taken place in the State after the last SLBC meeting and informed the house about the importance attached by the Chief Minister to setting up of RUDSETIs by Banks in different districts.

He expressed happiness on the ongoing campaign for doubling the flow of credit to agriculture sector wherein Banks in the State have recorded impressive performance and have achieved the targets much ahead of the time frame prescribed by the Government. However, he urged the Banking fraternity to concentrate on credit flow to small and medium enterprises by fixing self-targets so as to reflect higher disbursement over the immediate preceding year, for which they may initiate necessary steps to rationalize the cost of loans.

As regard to performance under priority sector, Convenor SLBC apprised the house that Banks in Rajasthan have risen to the occasion by nurturing priority sector and surpassing the social Banking norms which is evident by the fact that as on March 2006, share of priority sector to total advances was 58.90 percent as against the stipulated level of 40 percent while C:D ratio was placed at 86.59 percent. Likewise share of agriculture advances to total advances was 34.64 percent as against the norm of 18 percent.

He urged upon for better collaborative environment and shared the anxieties of the State Government about the development process and as such indicated the eagerness of Bankers to have projects from State Government particularly in the areas of Hotel & Tourism wherein the strength can be explored to a great extent.

Shri R Narayan, Chief General Manager, NABARD congratulated the Bankers, Government officials and SLBC for their remarkable achievements in improving ground level credit in Rajasthan in the last two years. He also appreciated the effective role of Bankers in increasing outreach to farmers by financing new farmers and new activities also as directed by Government of India under doubling the credit flow to agriculture. However, Chief General Manager, NABARD stated that there is ample scope in the State to enhance Ground Level Credit (GLC) through Kisan Credit Card, Swarojgar Credit Card, Venture Capital, Rural Godown, Cold Storage, Agri Marketing infrastructure, Micro irrigation etc. He apprised the house about the problems faced by farmers in storing the produce especially mustard due to bumper harvest and underlined the role of Bankers in financing the schemes to increase the storage capacity in the State.

Shri. Narayan asserted that most of the agriculture produce is going out of the State for processing due to lack of agro processing units. He exhorted to ensure financial support for agro processing projects to enable the farmers to generate higher level of income by adding value to their produce. Based on past experience, he said that most of the subsidy schemes supported by Government of India/ NABARD like cold storage, godowns, venture capital, Vermi Compost etc. are taken up by medium and big farmers / entrepreneurs. As such there is an urgent need to extend necessary financial support to small farmers who are not able to approach the Banks due to lack of proper awareness about the schemes. He further said that there is ample scope for supporting the SHG who can help the farmers in the process of value addition of their agricultural produce. Chief General Manager, NABARD also expressed his views for increasing the GLC term lending by financing schemes such as dairy, sheep, goat, rabbits for which the State has tremendous potential. He informed that none of the 64 rabbit farming units in the State has been financed by Banks.

Shri B.P. Vijeyendra, Regional Director, Reserve Bank of India flagged some glaring issues. He suggested the need for creating a link to RRBs through the SLBC website which could help them in sharing experiences and success stories of RRBs. He told that SLBC convenor, Orissa (i.e. UCO Bank) has launched a website of its own which provides all relevant information. Shri Vijayendra firmly opined that Action Taken Report (ATR) in the agenda should indicate the concrete actions taken by the concerned agencies without any omission so that it could enable further fruitful discussions. He emphasized the need to attend to the action points more effectively much before convening the next meeting. Regional Director, Reserve Bank of India also suggested to constitute more sub committees of SLBC for smooth functioning of SLBC. He appreciated the agenda items like Financial Inclusion and One time Settlement Scheme in the body of background papers and apprised the house about the functioning of empowered committees on SMEs at his office as also instructions trickling down to LDMs to constitute similar committees at the district level.

Referring to the latest developments taking place in RBI, he informed that the "Banking Codes and Standard's Boards of India (BCSBI) was registered on Feb 18, 2006 under the Societies Act 1860 and its first meeting was held in Mumbai on March 3, 2006. The Board functions as an autonomous, independent body to effectively monitor and assess the compliance with codes and standards, which the Bank agrees to. While indicating the utility of BCSBI, he told that the registration of Banks with the BCSBI as members enables the Reserve Bank of India to derive greater supervisory comfort.

Regional Director, Reserve Bank of India further dwelt upon the measures, which the Reserve Bank of India has been taking on ongoing basis for protection of Customers' rights, enhancing the quality of customer service and strengthening redressal mechanism in Banks and in Reserve Bank of India. He emphatically upheld that these activities were so far being undertaken by different departments of Reserve Bank of India. But now in order to bring together all activities relating to customer service in Banks and RBI in a single department, Reserve Bank of India has on July 1, 2006 constituted a new department called "Customer Service Department" (CSD) which would be helpful in enhancing the quality of services extended to the customers.

While concluding, he suggested that RRBs should work towards doubling Balance Sheet size in 3 years through focus on rural credit, especially agricultural credit through efficient use of technology and introduction of appropriate Human Resource initiatives. He urged the State Government to nominate its Directors on the Boards of four newly amalgamated RRBs which may be done expeditiously since only a strong and empowered Board can help towards the goal of doubling the Balance sheets of RRBs in three years.

Speaking on this occasion Sh. S.K. Bhattacharyya, Managing Director, SBBJ stressed the need for value added services in the Banking sector as well as role to be played by Banking sector for improving production and productivity in agriculture sector besides formulation of scheme for employment generation in rural areas. He desired undivided attention on Kisan Credit Card & Swarojgar Credit Card. Shri Bhattacharyya appreciated the role played by NABARD in Rajasthan and requested them to prepare model schemes for value addition in Agriculture Sector as also revisit various schemes to overcome obsolescence. He requested State Government to extend tax concessions to the units financed under agri-processing.

Dr. Anil K. Khandelwal, Chairman and Managing Director, Bank of Baroda extended a warm and hearty welcome to all the dignitaries and participants to the meeting.

In his Keynote address he said that this meeting attains special significance in view of some recent developments like

He pointed out that this was exactly in this context that this meeting provides us with an opportunity to review our efforts to achieve the goals in pursuit of development of the State and its habitants for which we should learn lessons from our experiences and channelise our synergy for cent percent actualization of goals, including organizational and social goals in the current fiscal. Subsequently, he shared some of his thoughts on the economic and monetary scenario of the country that cast their shadow on the Banking business.

He maintained that the Indian Economy is on roll, buoyant agriculture has pushed up the GDP to 8.4 %, up from 8.1 % projected earlier by the Government. This has proved to be the fourth highest growth ever since independence. Regarding the performance of Banking sector, he informed that the deposit growth during the fiscal 2005-06 posted a satisfactory level of 20.50 % while the growth of non-food credit of commercial Banks was at an unprecedented level of 30.8 % over the previous year. However financial markets remained generally stable during 2005-06, although interest rates firmed up in all the segments.

Chairman and Managing Director, Bank of Baroda informed the august house that Reserve Bank of India has increased Repo & Reverse Repo rates by 0.25% on 08.06.06 thereby raising Repo rate & Reserve Repo rate at 6.75 % and 5.75 % respectively. On the export front, merchandise exports increased by 24.70 % during 2005-06 and imports showed an increase of 31.50 % as compared to a rise of 36.40%in the previous year. India's foreign exchange reserves increased by US$ 10.1 billion from US $ 151.60 billion by the end of March 2006. The foreign exchange market remained orderly in 2005-06 regarding the exchange rate.

While highlighting the performance of Banking sector, he mentioned the following features.

Referring the Reserve Bank of India's Annual Policy Statement for the year 2006-07, he covered the Key Parameters like GDP, inflation, deposits, ceiling interest rate on non resident (external) rupees deposits, raised ceiling interest rates on export credit in foreign currency. He projected a booming picture for the Indian Economy.

Complimenting the Banking fraternity in the State for the impressive achievement under priority sector Dr. Khandelwal observed that the outstanding level of priority sector and agriculture to total advances, is quite appreciable. However, he urged to bridge the minimal gap appearing in advances to weaker section, also improve upon the achievement under Annual Credit Plan 2005-06. The performance of SSI segment under Annual Credit Plan also needs conscious efforts for improvement.

Commenting upon exemplary growth in agriculture during 2004-05, which slided during 2005-06, he urged upon the Bankers about the need to analyse the reasons for non achievements of targets under other parameters like financing new farmers, increasing the share of investment credit, financing agri-clinic/ agri business centres etc.

Chairman and Managing Director, Bank of Baroda was happy to note that Banks in the State of Rajasthan have done well under Government Sponsored programmes like PMRY and SGSY. However in view of gap between sanctioned and disbursed cases, the controlling offices of the Banks have to closely monitor the disbursement under various Government Sponsored Programmes and ensure that all the beneficiaries are provided credit in time as these programmes are really aimed at improving the lot of the poor people amongst the population at large.

He was happy to note that the overall recovery climate was improving, however, there is need to strengthen the legal framework for further speeding up the process of recovery.

Thereafter Dr. Khandelwal touched upon numerous developments in the State, which offer tremendous scope for Banking sector and drew attention of Banks and Government machinery to the following areas for registering improved performance.

He concluded that with the aforesaid positive developments, the meeting was bound to achieve the ground success as everyone was eager to contribute his / her bit for attainment of the perceived goals.

Thereafter Shri Nandan Srivastava, Convenor took up the agenda items for discussions.

Agenda No. 1

(i) Confirmation of Minutes of 88th SLBC Meeting held on 13.03.2006.

The house confirmed the minutes of 88th SLBC Meeting held on 13.03.2006 with few amendments proposed by the Regional Director, Reserve Bank of India.

(ii) Status of Action Taken Report

Convenor, SLBC informed the house about the status of following issues which SLBC has taken up with different agencies.

Agenda No. 2

Credit Flow to SSI / SMEs/ Handicraft Sector

Convenor, SLBC expressed his concern over the declining trend of credit flow to SSI / SMEs Sector and also emphasized the need for SSI/ SMEs financing. After having an overview of the improving trend of credit flow to SMEs, Cluster Approach and monitoring and review mechanism, he appealed to Bankers to increase not only the outstanding level but also the percentage of the credit flow to SSI and SMEs sector. He further emphasized operationalizing of SSI branches or the conversion of existing SSI branches into the SMEs. He said that probably the Banks have a feeling that the anticipated level of business from SSI and SMEs is not forthcoming and there is a need to formulate a region specific plan for investment of credit flow to SMEs. He maintained that Cluster approach is a useful one and SIDBI has also initiated steps in this direction but progress is not satisfactory in this sector even after various Seminars and other programmes being conducted.

Shri Srivastava also requested all the Bankers to ensure that all branches of their district may follow the guidelines that who so ever has got accredited Artisan Card from the Government, must be extended the eligible financial support provided he is not a defaulter or has dues outstanding against him. He advised all concerned to initiate all possible steps for smooth implementation of "Artisans Credit Card" and Credit Guarantee Scheme which will enable the financially starved Artisans to revive the age old handicrafts sector with innovative dimensions and thus enrich the cultural tradition of the State in more than one way.

Secretary (Industries and KVI) told that this sector could get inadequate credit flow i.e. 7.63% of the total sectoral flow. He said that in Rajasthan 2.60 lacs are registered units out of which 90 % are cottage and small-unregistered units. Medium and larger units are less than 500 in the State where as SSI units registered represent almost 260000 and unregistered are 9 times more of that. Under the circumstances they have to resort to different strategy like ACC and SCC. He further informed that out of 4.00 lacs Artisans in the State, 50,000 Artisans are accredited Artisans and all of them may be financed by the Bank. He informed that till May, 2006 Industries department has sponsored 15000 applications whereas Banks have been able to sanction less than 500 Artisans Credit Cards. He insisted upon the Bankers to sanction atleast 30000 to 40000 cards by the end of the year. (The State Government gives the cards to the persons who are engaged in traditional handicrafts and artisan activities and the maximum amount is about 25000 and that is the requirement of most of the Artisans and provides them working capital and tools and equipment and it is a hassle free tool to give small credit to a large number of people.)

Regional Director, Reserve Bank of India delineated the role of empowered committee on SME at district level in facilitating hassle free credit to Artisans.

Shri Damodar Sharma, Commissioner, College Education, emphasised upon the need for increased linkages between higher education and Banks primarily within the framework of Swarojgar Credit Card Scheme with the help of employment oriented cells i.e. career counseling in about 800 colleges. He urged upon Bankers to pass on instruction to LDMs to have linkages with colleges through District Collectors, District Industries, Zila Parishad and other concerned agencies. Shri Sharma assured Bankers to provide them readymade available target group in the colleges-either who have passed out from the colleges or who are in the colleges for graduation and Post Graduation course. Commissioner (College education) also expressed the commitment to give these students a certificate that the student has undergone a training of so many weeks in the vocational education of so and so trade, for enabling calculation the level of competency. He was also inclined to associate these students with RUDSETIs.

General Manager (Priority Sector), Bank of Baroda Stressed upon the need for data base of outstanding level of the SMEs advances at the end of March 2005 & March 2006 on which Banks have to regulate flow of credit at the rate of minimum 20 %.

The issue of data of sick units and registered units generated a lot of debate. Secretary (SSI & KVI) was of the opinion that there is no obligation on a unit to get it registered and reasonsably fair data is lying with the DICs office regarding SSI, SMEs and Sick units - Somebody has to coordinate and collect at the district level. Regional Director, Reserve Bank of India told that though there is no compulsion of registration while financing a sick unit or SSI unit, but usually Bankers are financing the registered unit and this is a big advantage to the borrowers while registering his / her unit.

On the problem of not entertaining application by Banks in some cases Managing Director, SBBJ told that operational problems are taken care off. Bankers are aware of these things and they have already discussed these issues in empowered committee and accordingly taken necessary steps. He suggested that the concerned department should send a copy of such application through registered post after sponsoring these units for finance.
(Action : Banks & State Government)

Agenda No. 3, 4, 5, and 6

Members noted that some of the schemes like CLCSS, NEF, CGFTI etc. are wonderful schemes and Banks have not taken advantage of same to the desired extent. Now in the context of credit flow to SSI / SME, Banks need to take maximum advantage of these schemes.

A detailed account of various activities performed by SIDBI's Jaipur Branch office in the development of Industrial sector was put forth before the house.

Convenor, SLBC appealed to SIDBI to popularise the above schemes amongst the Banks.

(Action : SIDBI and Banks)

Agenda No. 7

Self Help Group - Bank Linkage Programme

Convenor, SLBC informed that the SHG Bank Linkage Programme has witnessed significant progress in the State of Rajasthan. By 31st March, 2006, Banks financed nearly 98071 SHGs under the programme, thereby providing access to financial services to rural poor families and loan amount disbursed during 2005-06 is Rs.9725 lacs. He also appreciated the various initiatives taken by NABARD to support SHG movement in the State which includes identification of potential districts for promoting SHG, organising divisional SHG workshops/ training progarmmes/ orientation meets for the benefits of branch managers and staff members of the Banks, faculty support to different banks for their in-house programmes of SHGs etc. He told that as a part of long term plan, Banks need to identify suitable branches based on potential, extent of rural poverty etc. and motivate the staff for active participation in the programme. Likewise they should follow standard accounting practices and rating norms and also develop a strong data base. He stressed that in today's world SHGs are shifting towards even purchasing a tractor and there is a diversification of the SHG movement. He also underlined Region wise achievement in the State - linkages of SHGs, Banks, Cooperative Banks and RRBs share during 2005-06 and other concerned issues. Managing Director, SBBJ emphasized to push up formation and generation of SHGs in the Western Rajasthan Region, where it was quite low as compared to other parts of the State.

CMD, Bank of Baroda told that the Uttar Pradesh State has sent a team of SLBC members to Andhra Pradesh in 6 districts. He requested 3-4 Banks and Cooperative Banks to send a team to study the dynamics of SHGs in other States. He reiterated that SHGs is very good for the development of the State and Bankers are also very enthusiastic because recovery is very good. Principal Secretary, Rural Development apprehended that the existence of Micro Financing Institutions (MFIs) are officially banned in Andhra and said in Rajasthan SHG finance is shared by Banks only to the extent of 15 or 20 %. In Rajasthan many groups have not been formed, groups have been formed in the scheme like DPIP where nearly 26000 groups are formed, out of 17000 have been provided subsidy of around 25000 per member.

He revealed that NABARD is very closely working with the Department of Rural Development on the projects & their sustainability. NGOs are doing social mobilization and training, every thing is done and there is constant hand holding through a community facilitator, who is sitting right there to help them and in preparing some project, getting it sanctioned and then the credit is provided through the Banks. He also mentioned that in Jhalawar district some branches have refused to open SHG Banks accounts only under the fear that they will have to give credit to them. He added that there are some other readily available viable groups of which100 % assets verification has been done. He told that animal husbandry and SSI sector in Rajasthan State are really poor and there is need to expand the flow of credit to these sectors. He further observed that in Rajasthan 55 % people still depend on agriculture and animal husbandry so there must be some value addition provided through marketing - if somebody gets an animal, there must be a market linkage with the dairy units.

It was decided to constitute a group under the chairman ship of Chief General Manager, NABARD to monitor the difficulties in financing of Self Help Groups as also to devise a uniform simple proforma for all Banks. As suggested by Director Women and Child Development, the controlling offices of Banks will simultaneously issue instructions to branches to step up SHG financing.

(Action : NABARD, WCD & Banks)

Agenda No. 8

Doubling the flow of credit to Agriculture :

Convenor, SLBC appreciated the growth in Credit to Agriculture in Rajasthan, which is expected to be achieved within two years. He talked about some imbalances observed in the share of production credit and investment credit which were 76 % and 24% respectively in 2005-06. He found a need to further improve it in terms of extending fresh loans to farmers covered under relief measures, expanding credit flow for setting up agri clinics and agri business centres, financing for redemption of private debts etc.

He observed that Banks have to put in extra efforts for bringing all eligible farmers under the fold of Kisan Credit Card Scheme. He requested State Government to make available the land records for expediting the issuance of Kisan Credit Card.

(Action : State Government, Banks)

Agenda No. 9

Annual Credit Plan (2005-06)

The Convener, SLBC apprised the house that the achievement under ACP which fairly speaks about the concern of Banks with the development of priority sector in the State is almost cent per cent as of March 2006. He said that all Banks are, thus, contributing their might in translating the set objectives of Credit Planning

He also urged the Banks to monitor the progress under ACP on quarterly basis and ensure cent percent achievement with a request to all controlling heads of Banks to participate in the implementation of ACP. Regional Director, Reserve Bank of India stressed on giving updated information.

The house noted that financing of SSI / SMEs sector needs to be given preferred attention in view of its unsatisfactory progress during 2005-06.

(Action : All Banks)

Agenda No. 10

Financial Inclusion

Convenor, SLBC proposed to adopt Dungarpur district for the purpose of 100% financial inclusion. After deliberation upon the issue, it was decided that data would be collected on certain parameters like branch network and also number of unbanked families to adopt an appropriate district. It was requested to complete the exercise shortly.

(Action : SLBC & RBI)

Agenda No. 11

One Time Settlement Scheme for Small Borrowal Accounts (Under Government Sponsored Programmes)

The Scheme was placed before the house for approval. After deliberating upon the issue it was decided that the scheme should be first circulated amongst the Banks for seeking their suggestions/ amendments latest by 26th July 2006. After that a meeting will be convened by Convenor of Sub Committee on "Business and Service Sector" to give it a finishing touch (Incorporating the suggestion if any) and thereafter it will be recommended to Banks for implementation.

(Action : SLBC)

Agenda No. 12

Progress Under Government Sponsored Schemes

Convenor SLBC told the House that Banks are implementing Government Sponsored Schemes through target oriented approach and the main objective should be for alleviation of poverty and generation of gainful employment through a mix of credit and Government subsidy. He further said that the performance under these programmes in the current year is not that encouraging, while the sanctions under PMRY commensurate the target, disbursements are on lower side. However, achievements under SGSY are worth mentioning (121%). Bankers need to put extra efforts in expediting sanctions and disbursements under SJSRY.

He reiterated that although there is improvement in the performance of SC/ST schemes as compared to previous year, but SLRS still remains an area of concern. He requested the State Government to clarify the definition of SLRS and sponsored applications accordingly. At present Banks are falling in line with the definition given by Reserve Bank of India. He pointed out that under REGP, Banks were short by 181 projects in their achievements during 2005-06.

Convenor, SLBC requested all the Bankers to reiterate instructions to their officials to ensure all out assistance to the field functionaries of Government Sponsored Programmes and invite them invariably in DLCC / BLCC meetings. Banks are also requested to disburse the sanctioned cases without further delay.

Secretary (SSI & KVIB) exhorted Banks to ensure implementation of PMRY, since the guidelines itself contains the quarterly targets - the targets in first quarter are 25%, second quarter 50 %, third quarter 90% and the fourth quarter it is 100%. He expressed concern that in the current year, achievement was low.

Sh. Ram Lubhaya, Secretary (Rural Development) congratulated all Bankers for achieving all targets under Government sponsored programmes particularly under SGSY in the year 2004-05 and 2005-06 and requested them to maintain it. He brought it to the notice that The Bank of Rajasthan is still having some problem in sanctioning and they could achieve 34.14 % in 2004-05 and 45 % in 2005-06 of the targets, Indian Overseas Bank achieved 58 % and State Bank of Indore 61%. We have to take care of that. At the same time in the State there are 179 branches of various Banks, which have not even sanctioned a single application during the last year, and there are 140 branches where the disbursement was less than 25 %of the targets. He assured to give the list of such branches to SLBC where the progress is not encouraging and a large number of applications are pending with Banks.

Convenor, SLBC called for perfect coordination between Bankers and Government Officials for achievement of targets under this scheme. He requested Banks to immediately disburse the sanctioned cases. He also requested Zila Parishads to take help of NGOs and District Women Development Agencies (DWDA's) in forming and nurturing SHGs.

Shri Ram Lubhaya, Principal Secretary, Rural Development reiterated that the Banks like The Bank of Rajasthan Ltd. must take a note of their poor performance under SGSY and act in accordance with the same. He also stated the procedures and constraints coming in the way of better implementation of the Government Schemes.

Secretary, KVIB submitted that there are many sanctioned cases of the last year, which need the joint inspections of KVIC, KVIB and the concerned Banks. He requested the support of the Banks in this regard. He requested Banks to submit pending margin money claims as early as possible so as to enable them to proceed further. Secretary, KVIB called for more efforts from the Bankers' side and said that several proposals are still pending with the Banks. He requested them to sort out the same and lodge the old claims also.

(Action : State Government and Banks)

Agenda No. 13

Recovery under Priority Sector

Convenor, SLBC observed that recovery position under Priority sector advances for the year 2005-06 was 70.54 %. However, Bankers expect matching efforts from State Government in recovering their dues. In this context an important issue which warrants immediate attention is to build up a strong legal framework for working out speedy recovery. He also requested the State Government to expedite amendments proposed in the Public Demand Recovery Act.

(Action : State Government)

Agenda No. 14

Performance under Key Business Parameters as of Sept. 2005.

The house noted that Banks in Rajasthan have performed well under all the parameters viz.,

RRBs, Commercial Banks and Cooperative Banks have registered 17.91 per cent and 27.69 per cent growth in aggregate deposits and aggregate advances respectively over March 2005.

Other Issues

Sh. Damodar Sharma, Commissioner (college education) circulated copies of his presentation before the house regarding linkages between Banks, Government schemes & students. He made two significant observations :

He invited Bankers to participate in this venture under MOU. Shri Sharma indicated that colleges provide Banks with a readymade target group in the schemes of PMRY, SGSY, SJSRY and REGP etc. He advised Bankers to preferably start loan mela in colleges and in that case more than 30000 to 40000 applications can be easily prepared under various schemes because they are already managing training in vocational programmes, a list of such colleges can be obtained. He advised Banks to be in touch with Principals, District Collectors and DICs to avail the facilities of quality training for Government Sponsored Programmes which will ultimately facilitate smooth financing.

He also submitted that the higher education department and technical education department are at Bank's disposal in the State for providing readymade target groups under the Schemes of PMRY, SGSY,SGSRY, REGP etc.

(Action Government & Banks)

The meeting concluded with a vote of thanks to the chair and to the most distinguished guests.

Nandan Srivastava
Convenor, SLBC