Master Circular Priority Sector Lending-Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs) - আৰবিআই - Reserve Bank of India
Master Circular Priority Sector Lending-Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs)
RBI/2009-10/32 July 1, 2009 All Indian Scheduled Commercial Banks Dear Sir, Master Circular 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 all the previous instructions issued by Reserve Bank from time to time, which are listed in Annexure -III. Yours faithfully, (B.P. Vijayendra)
Master Circular 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 Role of Banks Role of SC/ST Development Corporations Rejection of Applications 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. ANNEXURE I |
(Amount in thousands of rupees) |
|||||||
|
|
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 |
|
Priority Sector Advances |
||||||
1. |
Agriculture |
|
|
|
|
|
|
|
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) |
|
|
|
|
|
|
|
Of which advances to |
|
|
|
|
|
|
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 organization for SC/ST for purchase oand 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 |
|
|
|
|
|
|
ANNEXURE I (a)
Statement to be submitted by the public sector banks as on the last
reporting Friday of March/September
|
(Amount 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 – National Scheduled Tribes Finance Development Corporation
|
Advances under Differential Rate of Interest Scheme as on the last reporting Friday of March |
||||||
|
Scheduled Castes |
Scheduled Tribes |
Total |
||||
|
No. of Accounts |
Balance Outstan-ding |
No of Accounts |
Balance Outstan-ding |
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 |
|
|
|
|
|
|
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)/ |
28.06.89 |
National SC/ST Finance and Development Corporation. |
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 SCs/STs |
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) – Instructions 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. |
04-12-02 |
Proceedings of the work shop on the role of financial institutions in the development of SCs and STs |
26 |
RPCD No |
09.04.03 |
Amendment to the Master Circular |
27 |
RPCD No |
04.06.03 |
Changes in the reporting system |
28 |
RPCD No |
23.06.03 |
Sample study for review of credit flow to SCs and STs—Major Findings |
29 |
19.02.08 |
Credit Facilities to SC/STs- Revised Annexure |