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• In order to rescue the farmers from private money lenders, land mortgage banks established in the year 1926 in MH. • IN 1973 all the district level land development banks were amalgamated into the state level apex bank • On 1 October 2001 it was divided into apex bank & 29 district level agriculture rural multipurpose development banks.
cold storage • 6) Biogas plant. vermicomposting .For what purpose /functions Farm sector • 1) minor irrigation • 2) farm mechanization • 3) Animal husbandry • 4) Horticulture • 5) Go down. warehousing.
Non farm sector Rural industry & artisans stone crusher .Conti………….
sugarcane acreage has increased • Implemented state & central govt schemes . • In 1982 NABARD established through them loan was given • Co-operative lift irrigation schemes.ACHIVEMENTS • Govt issued taccavi loans to farmers • In 1972 drought in MH & bank implemented IDA programme.
Apex bank have 6 regional offices. MSCARMD 29 DISTRICT BANK 207 BRANCHES TALUKA LEVEL .STRUCTURE OF THE BANK • Bank is having federal structure since the year 2001.
• No of employees at apex & district are 175 & 1471 respectively. • Additional registrar for co-operative societies • 29 district banks 1 have elected board & remaining 28 banks are administrated by district deputy register. ..Continue…….
MEMBERSHIP • 400000 members .
.93 cr by state Govt. since 1997 no decrease no increase in it.Share capital • Total of 45 cr out of that 4.
Funds procedure • • • • • • • • Application Layout B/C ratio Pre development & post development If B/C ratio 1.20 it is feasible IRR should be more than 15% Technical appraisal Loan committee appraisal .
.Continue……. • • • • • 7/12 Sub register office Certificate to famer Checking by supervisor Payment as per progress .
If loan is not back • 137 lavad • Assistant register of tahsil apply & district register co-operative 156 auction right • Upset price then advt in newspaper • If they repay before auction then cancelation .
Profit/surplus • From 1997 they haven't given any loan • Total number of loan overdue is 588 cr .
recovery • In June to July recover person • One time settlement in 2007 • Central govt recollect debt in 2008 .
BOARD OF DIRECTOR 29 District chairman 1 state govt 1 NABARD .
400. . • Blocking of over dues as on 2010 & over dues in 5 annual installments. & 550 cr. • The bank has submitted refinance proposal for NABARD approval if NABARD is ready to provide refinance govt intends to extend its guarantee.REVIVAL PROGRAMME • GOVT OF MH has constituted a small committee for revival of these banks. • Credit plan contains traditional long term as well as crop & other short term loan. • Credit plan for next 3 years will be 300.
• Recovery satyagraha movement against the defaulters‘ more than 1 lakh Initiative taken by bank . • Recovery targets to bank managers & recovery officers individually.recovery certificate obtain from assistant register coop. societies against all defaulters. • Powers are delegated to bank officers to work as special recovery officers.• Action on top 100 defaulters at district level has been started from 2010. • As per section 137 of MH co-op societies act 1960.
RESOURCE MOBILIZATION • The owned funds are blocked in overdue • Bank can start its lending from recapitalization of funds which is expected as per vaidyanathan committee. • Proposal is prepared for availing NABARD refinance & NCDC credit . • Accepting deposits from members under the krishi va gramin vikas mudat thev yojana.
BUSINSS DEVELOPMENT • Proposal submitted to state govt to amend Maharashtra state co-op. to permit SCARDBs for providing short loan • Credit plan for next five years is as fallows 2011-12 300cr 2012-13 400cr 2013-14 550cr 2014-15 680cr . societies act 1960.
Problem • Manager (Bhalerao sir) 1) Govt is no serious 2) Politics 3) No deposit allowed 4) More overdue 5) No lending .
Problem • Accountant 1) Computerization 2) Back as compare to nationalized bank 3) To start deposit 4) Regular opening of account 5) Gold loan . tourism loan .
Problem 1) Satisfaction to work in cooperative 2) Illiteracy 3) VRS scheme to start .
suggestion • To implement lending programmes. training to staff • Professional/technical staff • To implement VRS scheme • Computerization • Motivation to staff by giving good returns or incentives .
Thank you Thank you Thank you .