Master Circular: Credit Facilities to Minority Communities (2013)

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BC. No.2/09.10.01/2013 - 14 July 1, 2013 The Chairman/ Managing Director All Scheduled Commercial Banks Dear Sir, Master Circular- Credit Facilities to Minority Communities Please refer to our Master Circular RPCD. GSSD.BC. No. 2 / 09.10.01 / 2012 - 13 dated July 02, 2012 consolidating the instructions / guidelines / directives issued to banks till that date relating to Credit Facilities to Minority Communities. The Master Circular has been suitably updated by incorporating the instructions issued upto June 30, 2013 and has also been placed on the RBI website ( http://www.rbi.org.in ). A copy of the Master Circular is enclosed. Yours faithfully, (Madhavi Sharma) Chief General Manager Encl: As above INDEX Sr. No. Description Annexure – I Format of the half yearly statement showing priority sector advances granted to the members of the specified minority communities vis-a-vis overall priority sector advances Annexure – II List of Minority Concentration Districts Annexure – III Format of the quarterly statement showing priority sector advances granted to the members of the specified minority communities vis-a-vis overall priority sector advances in the Identified Districts Annexure - IV List of Circulars consolidated in the Master Circular Master Circular 1. Credit Facilities to Minority Communities In terms of Reserve Bank's extant guidelines on lending to priority sector, a target of 40 per cent of Adjusted Net Bank Credit (ANBC) or Credit Equivalent amount of Off-Balance Sheet Exposures (OBE), whichever is higher, as on March 31 of the previous year, has been mandated for lending to the priority sector by domestic scheduled commercial banks and foreign banks with 20 and above branches. Within this, a sub-target of 10 per cent of ANBC or Credit Equivalent amount of OBE, whichever is higher, as on March 31 of the previous year, has been mandated for lending to weaker sections which includes, among others, persons from minority communities. The Government of India has indicated that care should be taken to see that minority communities secure, in a fair and adequate measure the benefits flowing from various Government sponsored schemes. All commercial banks, have been advised to ensure smooth flow of bank credit to minority communities. 2. Definition of Minority Communities 2.1 The following communities have been notified as minority communities by the Government of India, Ministry of Welfare: Sikhs Muslims Christians Zoroastrians Buddhists 3. Creation of Special Cell and Designating an exclusive Officer 3.1 A Special Cell should be set up in each bank to ensure smooth flow of credit to minority communities and it should be headed by an officer holding the rank of Deputy General Manager/Assistant General Manager or any other similar rank who should function as a 'Nodal Officer'. 3.2 The Lead Bank in each of the minority concentration districts should have an officer who shall exclusively look after the problems regarding the credit flow to minority communities. It shall be his responsibility to publicise among the minority communities various programmes of bank credit and also to prepare suitable schemes for their benefit in collaboration with branch managers. 3.3 Government of India has forwarded a list of 121 minority concentration districts having at least 25% minority population, excluding those States /UTs where minorities are in majority (J & K, Punjab, Meghalaya, Mizoram, Nagaland and Lakshadweep). Accordingly, all scheduled commercial banks have been advised vide our letter RPCD.SP.BC.No.13/ 09.10.01/2007-08 dated July 16, 2007 to specially monitor the credit flow to minorities in these 121 districts as against 103 districts which were hitherto monitored, thereby ensuring that the minority communities receive a fair and equitable portion of the credit within the overall target of the priority sector (Updated list of Minority Concentration districts at Annexure II). 3.4 The designated officer should exclusively look after aspects relating to credit assistance to minority communities in the concerned districts. The designated officer may be attached to the Lead Bank set up at the district level. He would thus, be able to receive necessary guidance from Lead Bank Officer, who will be senior enough and have adequate experience for liaising effectively with the other credit institutions and Government agencies, and will also be working in close collaboration with the branch managers of other banks in the district. The designated officer will also arrange group meetings for their guidance for formulation of schemes suitable for the members of the minority communities. It will be necessary for the banks concerned to ensure that the role assigned to the designated officer/s is effectively fulfilled. 3.5 The Convenor banks of the District Consultative Committees (DCCs) and the State Level Bankers Committees (SLBCs) should ensure that steps taken to facilitate the flow of credit to the minority communities and the progress made in this regard are reviewed regularly at their meetings. 3.6 The Convenor banks of DLRC/SLRM/SLBCs may invite Chairman/ Managing Directors of State Minority Commissions/Boards or the State Minorities Financial Corporations or their representatives to attend the meetings of District Level Review Committee (DLRC), State Level Review Meeting (SLRM) and State Level Bankers Committee (SLBC). 3.7 Names, designation and office addresses of (i) the officer-in-charge of the Special Cell at Head Office and (ii) officer appointed by Lead Banks in the identified districts to look after exclusively the problems of minority communities, should be furnished by banks to the National Commission for Minorities at the following address and updated periodically: The Secretary National Commission for Minorities Government of India 5th Floor Lok Nayak Bhawan Khan Market New Delhi 110 003 A copy of the relevant communication may also be furnished to Rural Planning and Credit Department, Reserve Bank of India, Central Office, Mumbai. 3.8 The Lead Banks in the identified districts having concentration of minority communities may involve the State Minority Commission / Finance Corporation in the extension work including creating awareness, identification of beneficiaries, preparation of viable projects, provision of backward and forward linkages such as supply of inputs/marketing, recovery etc. 3.9 The Lead Banks in the identified districts may collaborate with DDMs of NABARD/ NGOs/ Voluntary Organizations in reaching the poor through Self Help Groups (SHGs). Lead Banks of the Minority Concentration Districts will have to exercise the pro-active role expected of them to ensure that the minority communities, particularly those who are poor and illiterate have access to bank credit for taking up productive activities. 4 Advances under DRI Scheme Banks may route loans under the DRI scheme through State Minority Finance/Development Corporation on the same terms and conditions as are applicable to loans routed through SC/ST Development Corporations, subject to the beneficiaries of the Corporations meeting the eligibility criteria and other terms and conditions prescribed under the scheme. Banks may ensure proper maintenance of the register to evolve timely sanction and disbursement of loan applications. 5 Monitoring 5.1 Banks may route loans under the DRI scheme through State Minority Finance/Development Corporation on the same terms and conditions as are applicable to loans routed through SC/ST Development Corporations, subject to the beneficiaries of the Corporations meeting the eligibility criteria and other terms and conditions prescribed under the scheme. Banks may ensure proper maintenance of the register to evolve timely sanction and disbursement of loan applications. The statements (given in Annexure I) should reach RBl within one month from the close of each half-year. 5.2 In the case of a partnership firm, if the majority of the partners belong to one or the other of the specified minority communities, advances granted to such partnership firms may be treated as advances granted to minority communities and accordingly included in the prescribed statement. A company has a separate legal entity and hence advances granted to it cannot be classified as advances to the specified minority communities. 5.3 The Convenor banks of the District Consultative Committees in the identified districts should furnish the data on priority sector advances granted by banks to specified minority communities compiled by them in the prescribed format (vide Annexure III) for the district under their lead responsibility to the concerned Regional Offices of RBl within one month from the close of the relative quarter. A list indicating the names of the identified districts and RPCD Regional Offices to which the Lead Bank should submit the statement is enclosed in Annexure II. 5.4 The progress made in regard to the flow of credit to the minority communities should be reviewed regularly at the meetings of the District Consultative Committees (DCCs) and the State Level Bankers Committees (SLBCs). 5.5 The Lead Banks in the identified districts should furnish the relevant extracts of the agenda notes and the minutes of the meetings of the DCCs and of the respective SLBCs to the Union Ministry of Finance and to the Ministry of Welfare on a quarterly basis for their use. 6 Training 6.1 With a view to ensuring that the bank staff and officers have proper perspective and appreciation of the various programmes for welfare of minorities, necessary orientation may be provided to officials and other staff. For this purpose, banks should include suitable lecture sessions as part of all relevant training programmes like induction courses, programmes on rural lending, financing of priority sectors, poverty alleviation programmes, etc. 6.2 The Lead Banks functioning in the identified districts should organize Entrepreneur Development Programmes so that the members of the minority communities in these areas are enabled to derive the benefit of various programmes being financed by the banks. Depending upon the major vocation and type of activity undertaken by large sections of the people in the districts, suitable programmes may be organized in co-operation with State Governments, Industries Department, District Industries Centre, SIDBI, State Technical Consultancy Organization, Khadi and Village Industries Commission and other voluntary organizations which are fully equipped to impart such training and orientation. The duration of the programme, the course content, the faculty support to be selected etc. should be decided by each Lead Bank taking into account the prevailing conditions, need and existing skills as well as aptitude of the people in the district. 6.3 The Lead Banks in the identified districts may sensitise and motivate the staff posted to identified districts through proper training to assist the minority communities under various credit schemes. 6.4 The Lead Banks may organize sensitization workshops for bank officials regarding micro credit/ lending to SHGs with the help of DDMs of NABARD. 7 Publicity 7.1 There should be good publicity about various anti-poverty programmes of the Government where there is large concentration of minority communities and particularly in the districts listed in the Annexure II which have a concentration of minority communities. 7.2 The Lead Banks in the identified districts may create awareness among minority communities regarding credit facilities available from banks through appropriate measures which may include publicity through (i) print media i.e. distribution of pamphlets in local languages, advertisements/articles in newspapers etc. (ii) TV channels - DD/ local channels, (iii) participation / setting up of stalls in the Melas / fairs organized during the religious /festive occasions by these communities. 8. National Minorities Development and Finance Corporation (NMDFC) 8.1 National Minorities Development and Finance Corporation (NMDFC) was established in September 1994 to promote economic and developmental activities for the backward sections amongst the minorities. NMDFC works as an apex body and channelises its funds to the beneficiaries through the State Minority Finance Corporation of the respective State/Union Territory Governments. 8.2 The NMDFC is operating, inter-alia, the Margin Money Scheme. Bank finance under the scheme will be upto 60 percent of the project cost. The remaining amount of the project cost is shared by NMDFC, the State channelising agency and the beneficiary in the proportion of 25%, 10%, and 5%, respectively. Banks may implement the Margin Money scheme evolved by NMDFC. While extending bank finance, banks should bear in mind the guidelines/instructions issued by RBI from time to time on priority sector advances. It may be ensured that the assets created out of the loan amount are mortgaged / hypothecated to the banks. Where recoveries have been made by the banks, it would be in order if the amounts are appropriated first towards bank dues. 9 Prime Minister’s 15 Point Programme for the Welfare of Minorities Government of India has revised the “Prime Minister’s New 15-Point Programme for the Welfare of Minorities”. An important objective of the Programme is to ensure that an appropriate percentage of the priority sector lending is targeted for the minority communities and that the benefits of various government sponsored schemes reach the under-privileged, which includes the disadvantaged sections of the minority communities. The New Programme is to be implemented by the Central Ministries/Departments concerned through State Governments/Union Territories and envisages location of certain proportion of development projects in minority concentration districts. Accordingly, all scheduled commercial banks have been advised vide circular ref.RPCD.SP.22/09.10.01/2006-07 dated September 1, 2006 to ensure that within the overall target for priority sector lending and the sub-target of 10 percent for the weaker sections, sufficient care is taken to ensure that minority communities also receive an equitable portion of the credit. Lead Banks have been advised to keep this requirement in view while preparing district credit plans. Annexure I Statement showing Priority Sector Advances granted to the Members of the specified Minority Communities vis-à-vis Overall Priority Sector Advances for the Half Year ended (Vide paragraph 5.1) (No. of Accounts - Actuals) (Amount in lakhs of Rupees) Bank Name _______________________________________ Bank Code __________ Part 'A' - For Identified Districts Christians Muslims Buddhists Sikhs Zoroastrians Total 'A' Others 'B' Total P/S (10) (20) (30) (40) (50) (90) Advances in Identified Districts 'C' (99) No. of A/cs Amt O/S No. of A/cs Amt O/S No. of A/cs Amt O/S No. of A/cs Amt O/S No. of A/cs Amt O/S No. of A/cs Amt O/S No. of A/cs Amt O/S. No. of A/cs Amt O/S Andamans 1 Nicobars 195 2 Andamans 194 Andhra Pradesh 3 Hyderabad 800 Arunachal Pradesh 4 Tawang 99 5 Changlang 400 6 Tirap 98 7 West Kameng 90 8 Param Pare 401 9 Lower Subansiri 95 10 East Kameng 91 Assam 11 Dhubri 19 12 Goalpara 3 13 Barpeta 21 14 Hailakandi 4 15 Karimganj 17 16 Nagaon 14 17 Marigaon 5 18 Darrang 7 19 Bongaigaon 2 20 Cachar 22 21 Kokrajhar 20 22 North Cachar Hills 18 23 Kamrup 1 Bihar 24 Kishanganj 49 25 Kathiar 71 26 Araria 83 27 Purnia 78 28 Sitamarhi 50 29 Darbhanga 74 30 Paschim Champaran 64 Delhi 31 Central 32 North East Goa 33 South Goa 692 Haryana 34 Gurgaon 350 35 Sirsa 352 Himachal Pradesh 36 Lahul & Spiti 474 37 Kinnaur 476 Jammu & Kashmir 38 Leh (Ladakh) 458 Jharkhand 39 Pakaur 69 40 Sahibganj 39 41 Gumla 43 42 Ranchi 87 Karnataka 43 Dakshina Kannada 880 44 Bidar 866 45 Gulbarga 864 Kerala 46 Malappuram 983 47 Ernakulam 970 48 Kottayam 968 49 Idukki 976 50 Wayanad 988 51 Pathanamthitta 978 52 Kozhikode 980 53 Kasaragod 989 54 Thrissur 972 55 Kannur 985 56 Kollam 963 57 Thiruvananthapuram 960 58 Palkkad 974 59 Alappuzha 966 Madhya (P) 60 Bhopal 764 Maharashtra 61 Akola 646 62 Mumbai 600 63 Aurangabad 624 64 Mumbai (Suburban) 65 Amravati 644 66 Buldana 648 67 Parbhani 626 68 Wasim 647 69 Hingoli 627 Manipur 70 Tamenglong 156 71 Ukhrul 154 72 Churachandpur 152 73 Chandel 157 74 Senapati 150 75 Thoubal 153 Meghalaya 76 West Garo Hills 24 Mizoram 77 Lawngtlai 898 78 Mamit 33 Orrisa 79 Gajapati 161 Pondicherry 80 Mahe 994 Rajasthan 81 Ganganagar 518 Sikkim 82 North 198 83 South 199 84 East 196 85 West 197 Tamil Nadu 86 Kanyakumari 936 Uttar Pradesh 87 Rampur 280 88 Bijnor 276 89 Moradabad 278 90 Saharanpur 274 91 Muzaffarnagar 272 92 Meerut 270 93 Bahraich 244 94 Balrampur 241 95 Gaziabad 269 96 Pilibhit 249 97 Bareilli 250 98 Siddarthnagar 257 99 Shrawasti 246 100 Jyotiba phule Nagar 279 101 Baghpat 275 102 Bulandshahar 268 103 Shahjahanpur 252 104 Budaun 267 105 Barabanki 202 106 Kheri 247 107 Lucknow 200 Uttaranchal 108 Hardwar 277 109 Udham Singh Nagar 219 West Bengal 110 Murshidabad 126 111 Maldah 128 112 Uttar Dinajpur 130 113 Birbhum 122 114 South 24-Parganas 103 115 Nadia 124 116 Dakshin Dinajpur 131 117 Haorah 110 118 North 24- Parganas 101 119 Koch Bihar 136 120 Kolkata 100 121 Barddhaman 120 Total Bank Name _______________________________________ Bank Code __________ Part 'B' - For all Districts in the Country Christians Muslims Buddhists Sikhs Zoroastrians Total 'A' Others 'B' Total P/S (10) (20) (30) (40) (50) (90) Advances in All Districts 'C' (99) No. of A/cs Amt O/S No. of A/cs Amt O/S No. of A/cs Amt O/S No. of A/cs Amt O/S No. of A/cs Amt O/S No. of A/cs Amt O/S No. of A/cs Amt O/S. No. of A/cs Amt O/S. 1 Haryana 34 2 Himachal Pradesh 46 3 Jammu & Kashmir 44 4 Punjab 30 5 Rajasthan 50 6 Chandigarh 39 7 Delhi 29 8 Assam 1 9 Manipur 15 10 Meghalaya 4 11 Nagaland 14 12 Tripura 18 13 Arunachal Pradesh 9 14 Mizoram 3 15 Sikkim 17 16 Bihar 6 17 Orissa 16 18 West Bengal 10 19 Andaman & Nicobar Islands 19 20 Madhya Pradesh 70 21 Uttar Pradesh 20 22 Gujarat 54 23 Maharashtra 60 24 Goa 68 25 Daman & Diu 67 26 Dadra & Nagar Haveli 69 27 Andhra Pradesh 80 28 Karnataka 84 29 Kerala 96 30 Tamil Nadu 90 31 Pondicherry 99 32 Lakshadweep 89 All India Annexure II List of Minority Concentration Districts (Vide paragraph 3.3, 5.3 and 7.1) List of districts having 25% and more minority population in 29 States (Excluding six States/UTs where minorities are in majority) Sl. No. State Sl. No. Districts Total Popu- lation Muslims popu lation Muslim %age over total popu- lation Chris- tians popu- lation Christian %age over total popu- lation Sikhs popu- lation Sikh %age over total popu- lation Buddhists popu- lation Buddhist %age over total popu- lation Total Minority Popu- lation %age popu- lation of Mino- rities i ii iii iv v vi vii viii ix x xi xii xiii xiv xv 1 Andamans (2) 1 Nicobars 42068 2131 5 28145 67 508 1 40 0 30,824 73 Andamans 2 Andamans 314084 27134 9 49033 16 1079 0 381 0 77627 25 2 Andhra P (1) 3 Hyderabad 3829753 1576583 41 92915 2 10951 0 832 0 1681281 44 3 Arunachal P (7) 4 Tawang 38924 225 1 308 1 420 1 29083 75 30036 77 Arunachal P 5 Changlang 125422 1163 1 21931 17 47 0 42744 34 65885 53 Arunachal P 6 Tirap 100326 756 1 50199 50 99 0 675 1 51729 52 Arunachal P 7 West Kameng 74599 1159 2 2462 3 426 1 33104 44 37151 50 Arunachal P 8 Papum Pare * 122003 5318 4 36574 30 263 0 3330 3 45485 37 Arunachal P 9 East Kameng 57179 384 1 14550 25 46 0 705 1 15685 27 Arunachal P 10 Lower Subansiri 98244 830 1 24078 25 52 0 284 0 25244 26 4 Assam (13) 11 Dhubri 1637344 1216455 74 12477 1 159 0 292 0 1229383 75 Assam 12 Goalpara 822035 441516 54 64662 8 108 0 178 0 506464 62 Assam 13 Barpeta 1647201 977943 59 5267 0 258 0 194 0 983662 60 Assam 14 Hailakandi 542872 312849 58 5424 1 9 0 589 0 318871 59 Assam 15 Karimganj 1007976 527214 52 8746 1 128 0 346 0 536434 53 Assam 16 Nagaon 2314629 1180267 51 21473 1 3055 0 1058 0 1205853 52 Assam 17 Marigaon 776256 369398 48 759 0 69 0 84 0 370310 48 Assam 18 Darrang 1504320 534658 36 97306 6 520 0 1871 0 634355 42 Assam 19 Bongaigaon 904835 348573 39 18728 2 512 0 330 0 368143 41 Assam 20 Cachar 1444921 522051 36 31306 2 628 0 742 0 554727 38 Assam 21 Kokrajhar 905764 184441 20 124270 14 133 0 1574 0 310418 34 Assam 22 North Cachar Hills 188079 4662 2 50183 27 220 0 857 0 55922 30 Assam 23 Kamrup 2522324 625002 25 44257 2 4797 0 1709 0 675765 27 5 Bihar (4) 24 Kishanganj 1296348 876105 68 2856 0 492 0 398 0 879851 68 Bihar 25 Katihar 2392638 1017495 43 4994 0 2225 0 84 0 1024798 43 Bihar 26 Araria 2158608 887972 41 1251 0 469 0 1091 0 890783 41 Bihar 27 Purnia 2543942 935239 37 4392 0 1394 0 77 0 941102 37 6 Delhi (2) 28 Central * 646385 193137 30 4628 1 17126 3 383 0 215274 33 Delhi 29 North East * 1768061 481607 27 7640 0 18505 1 4802 0 512554 29 7 Goa (1) 30 South Goa 589095 48827 8 223178 38 572 0 174 0 272751 46 8 Haryana (2) 31 Gurgaon 1660289 617918 37 3258 0 6672 0 838 0 628686 38 Haryana 32 Sirsa 1116649 7056 1 1648 0 302942 27 306 0 311952 28 9 Himachal P (2) 33 Lahul & Spiti 33224 134 0 84 0 34 0 19535 59 19787 60 Himachal P 34 Kinnaur 78334 306 0 324 0 256 0 19405 25 20291 26 10 Jharkhand (3) 35 Pakaur * 701664 227069 32 41099 6 456 0 52 0 268676 38 Jharkhand 36 Sahibganj 927770 290060 31 58723 6 290 0 40 0 349113 38 Jharkhand 37 Gumla 1346767 59752 4 425107 32 511 0 245 0 485615 36 11 Karnataka (2) 38 Dakshina Kannada 1897730 418904 22 164982 9 352 0 513 0 584751 31 Karnataka 39 Bidar 1502373 295762 20 43150 3 654 0 122083 8 461649 31 12 Kerala (14) 40 Malappuram 3625471 2484576 69 80650 2 221 0 387 0 2565834 71 Kerala 41 Ernakulam 3105798 451764 15 1204471 39 708 0 220 0 1657163 53 Kerala 42 Kottayam 1953646 116686 6 871371 45 43 0 77 0 988177 51 Kerala 43 Idukki 1129221 81222 7 480108 43 125 0 59 0 561514 50 Kerala 44 Wayanad 780619 209758 27 175495 22 17 0 42 0 385312 49 Kerala 45 Pathanamthitta 1234016 56457 5 481602 39 81 0 64 0 538204 44 Kerala 46 Kozhikode 2879131 1078750 37 127468 4 83 0 56 0 1206357 42 Kerala 47 Kasaragod 1204078 413063 34 84891 7 85 0 42 0 498081 41 Kerala 48 Thrissur 2974232 488697 16 720152 24 130 0 163 0 1209142 41 Kerala 49 Kannur 2408956 665648 28 261019 11 312 0 118 0 927097 38 Kerala 50 Kollam 2585208 474071 18 423745 16 198 0 214 0 898228 35 Kerala 51 Thiruvananthapuram 3234356 431512 13 595563 18 335 0 270 0 1027680 32 Kerala 52 Palakkad 2617482 703596 27 109249 4 232 0 113 0 813190 31 Kerala 53 Alappuzha 2109160 208042 10 441643 21 192 0 202 0 650079 31 13 Madhya P (1) 54 Bhopal 1843510 421365 23 20429 1 11340 1 20561 1 473695 26 14 Maharashtra (9) 55 Akola 1630239 296272 18 3494 0 1201 0 293184 18 594151 36 Maharashtra 56 Mumbai 3338031 734484 22 106240 3 16330 0 161417 5 1018471 31 Maharashtra 57 Aurangabad 2897013 569516 20 15558 1 4452 0 247222 9 836748 29 Maharashtra 58 Mumbai (Suburban) * 8640419 1488987 17 340166 4 53271 1 464354 5 2346778 27 Maharashtra 59 Amravati 2607160 347250 13 7315 0 2940 0 350403 13 707908 27 Maharashtra 60 Buldana 2232480 285387 13 2545 0 1501 0 306503 14 595936 27 Maharashtra 61 Parbhani 1527715 243935 16 1368 0 789 0 153231 10 399323 26 Maharashtra 62 Washim * 1020216 111863 11 1211 0 500 0 150580 15 264154 26 Maharashtra 63 Hingoli * 987160 103199 10 468 0 474 0 147927 15 252068 26 15 Manipur (6) 64 Tamenglong 111499 1431 1 105791 95 67 0 7 0 107296 96 Manipur 65 Ukhrul 140778 881 1 133966 95 96 0 84 0 135027 96 Manipur 66 Churachandpur 227905 2573 1 213186 94 125 0 47 0 215931 95 Manipur 67 Chandel 118327 2318 2 109128 92 125 0 60 0 111631 94 Manipur 68 Senapati (Excl. 3 sub-divisions) 156513 637 0 122724 78 154 0 1281 1 124796 80 Manipur 69 Thoubal 364140 86849 24 5136 1 102 0 54 0 92141 25 16 Orissa (1) 70 Gajapati * 518837 1623 0 173663 33 2 0 1972 0 177260 34 17 Pondicherry (1) 71 Mahe 36828 11411 31 816 2 0 0 1 0 12228 33 18 Rajasthan (1) 72 Ganganagar 1789423 42442 2 1661 0 441409 25 971 0 486483 27 19 Sikkim (4) 73 North 41030 391 1 1623 4 146 0 22603 55 24763 60 Sikkim 74 South 131525 1700 1 12757 10 57 0 31109 24 45623 35 Sikkim 75 East 245040 4789 2 14502 6 958 0 64729 26 84978 35 Sikkim 76 West 123256 813 1 7233 6 15 0 33601 27 41662 34 20 Tamil Nadu (1) 77 Kanniyakumari 1676034 70360 4 745406 44 31 0 26 0 815823 49 21 Uttar Pradesh (15) 78 Rampur 1923739 945277 49 7297 0 61717 3 2227 0 1016518 53 Uttar Pradesh 79 Moradabad 3810983 1735381 46 8832 0 8610 0 2436 0 1755259 46 Uttar Pradesh 80 Bijnor 3131619 1306329 42 3411 0 48725 2 3376 0 1361841 43 Uttar Pradesh 81 Saharanpur 2896863 1132919 39 5039 0 20693 1 3645 0 1162296 40 Uttar Pradesh 82 Jyotiba Phule Nagar * 1499068 590308 39 4206 0 5578 0 248 0 600340 40 Uttar Pradesh 83 Muzaffarnagar 3543362 1349629 38 3303 0 18998 1 2356 0 1374286 39 Uttar Pradesh 84 Balrampur * 1682350 617675 37 1285 0 1334 0 2950 0 623244 37 Uttar Pradesh 85 Bahraich 2381072 829361 35 2196 0 7623 0 3296 0 842476 35 Uttar Pradesh 86 Bareilly 3618589 1226386 34 9269 0 28971 1 7333 0 1271959 35 Uttar Pradesh 87 Meerut 2997361 975715 33 7420 0 26434 1 2769 0 1012338 34 Uttar Pradesh 88 Siddharthnagar 2040085 600336 29 1280 0 1280 0 7930 0 610826 30 Uttar Pradesh 89 Pilibhit 1645183 390773 24 1787 0 75479 5 1828 0 469867 29 Uttar Pradesh 90 Shrawasti * 1176391 301117 26 642 0 828 0 596 0 303183 26 Uttar Pradesh 91 Baghpat * 1163991 287871 25 1096 0 1032 0 322 0 290321 25 Uttar Pradesh 92 Ghaziabad 3290586 782915 24 8809 0 21017 1 3298 0 816039 25 22 Uttaranchal (2) 93 Hardwar 1447187 478274 33 3048 0 17326 1 674 0 499322 35 Uttaranchal 94 Udham Singh Nagar * 1235614 254407 21 3880 0 141462 11 1439 0 401188 32 23 West Bengal (9) 95 Murshidabad 5866569 3735380 64 13723 0 402 0 244 0 3749749 64 West Bengal 96 Maldah 3290468 1636171 50 8388 0 283 0 164 0 1645006 50 West Bengal 97 Uttar Dinajpur 2441794 1156503 47 13172 1 252 0 335 0 1170262 48 West Bengal 98 Birbhum 3015422 1057861 35 7382 0 347 0 222 0 1065812 35 West Bengal 99 South 24-Parganas 6906689 2295967 33 52835 1 1680 0 1799 0 2352281 34 West Bengal 100 Nadia 4604827 1170282 25 29563 1 699 0 635 0 1201179 26 West Bengal 101 Dakshin Dinajpur * 1503178 361047 24 22039 1 215 0 175 0 383476 26 West Bengal 102 Haorah 4273099 1044383 24 6284 0 3779 0 1085 0 1055531 25 West Bengal 103 North 24- Parganas 8934286 2164058 24 20138 0 10679 0 5839 0 2200714 25 List of additional 18 minority Concentrated Districts which are not included in the list of 103 Districts with substantial minority population circulated earlier Sl. No. State Sl. No. Identified District 1 Jammu & Kashmir 1 Leh (Ladakh) 2 Meghalaya 2 West Garo Hills 3 Mizoram 3 Lawngtlai Mizoram 4 Mamit 4 Bihar 5 Sitamarhi Bihar 6 Darbhanga Bihar 7 Paschim Champaran 5 Jharkhand 8 Ranchi 6 Karnataka 9 Gulbarga 7 Uttar Pradesh 10 Bulandshahar Uttar Pradesh 11 Shahjahanpur Uttar Pradesh 12 Badaun Uttar Pradesh 13 Barabanki Uttar Pradesh 14 Kheri Uttar Pradesh 15 Lucknow 8 West Bengal 16 Koch Bihar West Bengal 17 Kolkata West Bengal 18 Barddhaman Annexure III Statement showing Priority Sector Advances granted to the members of specified minority communities vis-à-vis overall Priority Sector Advances (in the Identified Districts) for the quarter ended………… (Vide paragraph 5.3) Name of the District Name of Community No. of accounts Amount Outstanding Previous Quarter Current Quarter Previous Quarter Current Quarter A. Minority Communities 1. Christians 2. Muslims 3. Buddhists 4. Sikhs 5. Zoroastrians Total (1 to 5) B. Others C. Total Priority Sector Advances in the Identified Districts (A+B) D. Share of A out of C in percentage (%) Note: 1. Number of accounts in actual numbers 2. Amount outstanding in crores of Rupees Annexure IV Credit Flow to Minority Communities List of Circulars consolidated in the Master Circular Sr. No. Circular No. Date Subject 1 RPCD No SP.BC.4/PS.160-86-87 24.07.86 Credit facilities to Minority Communities 2 RPCD No.SP.BC.97/PS.160-86-87 29-07-86 Credit facilities to Minority Communities 3 RPCD No.SP.1378/PS.160-86-87 09.01.87 Credit facilities to Minority Communities 4 RPCD No.SP.1563/PS.160-86-87 11.02.87 Credit facilities to Minority Communities 5 RPCD No.SP.BC.75/PS.160-86-87 08.04.87 Credit facilities to Minority Communities 6 RPCD No.SP.BC.14/PS.160-87-88 31.07.87 Credit facilities to Minority Communities 7 RPCD No.SP.374/PS.160-87-88 31.07.87 Credit facilities to Minority Communities 8 RPCD No.SP.BC.45/PS.160/87-88 16.10.87 Credit facilities to Minority Communities 9 RPCD No. SP. BC.55/PS.160-87-88 02.11.87 Credit facilities to Minority Communities 10 RPCD No.SP.BC.56/PS.160-87-88 02.11.87 Credit facilities to Minority Communities 11 RPCD No.SP.649/PS.160-88-89 27.09.88 Prime Minister’s 15-Point Directive aboutWelfare of Minorities 12 RPCD No.SP.BC.46/PS.160-88-89 17.11.88 Credit facilities to Minority Communities 13 RPCD No.Stat.BC.66/Stat-20(CB)/88-89 21.01.89 Credit facilities to Minority communities 14 RPCD No.LBS.BC.121/LBC.34-88/89 07.06.89 Inclusion of representatives of State Minority Commissions/Boards or State Minorities Financial Corporations and of SC/ST Corporations in the DLRC and SLRM 15 RPCD No.SP.BC.37/C.453(U)89-90 03.10.89 DRI Scheme – Routing of Advances through State Minority Finance/Development Corporation 16 RPCD No.SP.BC.124/PS.160-89-90 26.06.90 Credit facilities to Minority Communities 17 RPCD No.SP.BC.80/PS.160-92-93 10.03.93 Credit facilities to Minority Communities – Quarterly Statement 18 RPCD No. SP.1934/PS.160-92-93 22.06.93 Credit facilities to Minority Communities 19 RPCD No.SP.BC.17/PS.160-93-94 10.08.93 Credit facilities to Minority Communities – Training to Staff 20 RPCD No.SP.BC.32/PS.160-93-94 06.09.93 Credit facilities to Minority Communities – Revised Format 21 RPCD No.SP.BC.50/PS160-93-94 13.10.93 Credit facilities to Minority Communities – Revised Format 22 RPCD No.SP.BC.83/PS.160/93-94 07.01.94 Credit flow to Minority Communities – Quarterly statement. 23 RPCD No.SP.BC.166/PS.160-93-94 15.06.94 Credit facilities to Minority Communities – 41 Identified Districts 24 LBS.BC.29/02.03.01-94-95. 31.08.94 Inclusion of representatives of State Minority Commission/Boards or Inclusion of Buddhists in place of Neo-Buddhists State Minorities Finance Corporations in SLBC. 25 RPCD No.SP.BC.79/09.10.01-94-95 09.12.94 List of Specified Minority Communities – Inclusion of Buddhists in place of Neo-Buddhists 26 RPCD No.SP.BC.33/09.10.01-96-97 07.09.96 Credit facilities to Minority Communities – Quarterly Statement 27 RPCD No. SP.BC.43/09.10.01-96-97 10.10.96 Credit Flow to Minority Communities – Compendium of Instructions 28 RPCD No. SP.BC.108/09.12.01-96-97 28.02.97 National Minorities Development and Finance Corporation (NMDFC) 29 RPCD No.SPBC.13/09.10.01/01-02 13.08.01 Credit facilities to Minority Communities- Evaluation Study 30 RPCD No.SP.1074/09.10.01-2001-02 21.01.02 Enhancing Credit Flow to Minority Communities 31 RPCD No.SP.BC.62/09.10.01/2001-02 04.02.02 Enhancing Credit flow to minority communities 32 RPCD.SP.BC.No.22/09.10.01/ 2006-07 1.9.2006 Prime Minister's 15 Point Programme for the Welfare of Minorities 33 RPCD.SP.BC.No.83/09.10.01/ 2006-07 27.4.2007 List of 103 Minority Concentrated Districts having at least 25% minority population, excluding those States/ UTs where minorities are in majority (J &K, Punjab, Meghalaya, Mizoram, Nagaland & Lakshadweep) 34 RPCD.SP.BC.No.13/09.10.01/2007-08 16.07.07 List of additional 18 Minority Concentrated districts which are not 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Reproduced for reference with acknowledgment — Source: Reserve Bank of India · RBI/2013-14/83 · issued 01 Jul 2013. The plain-English explanation above is BankPulse’s own independent summary.

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