Annual Credit Plan

Self Employment Generation Scheme

Other Schemes

Recovery

Self Help Groups

Various Other Segments

Implementation of Annual Credit Plan

Performance under Annual Credit Plan 2011- 12

Performances of all Banks under ACP during last three years in the State are furnished below :

(Amt Rs. in crore)

Sectors	2008-09			2009-10			2010-11
Sectors	Plan	Ach	%	Plan	Ach	%	Plan	Ach	%
Agriculture	6693	6207	93	9015	8178	91	16000	11555	72
SSI	3216	2978	93	4404	4343	99	8000	7236	90
Services	3479	3269	94	4686	5084	108	7317	6436	88
Prisec	13388	12454	93	18105	17605	97	31317	25227	81
Non-Prisec	2472	3218	130	2680	3681	137	3078	4613	150
Total	15860	15672	99	20785	21286	102	34395	29840	87

All Banks disbursed Rs. 29840 crore i.e. 87% of the plan under ACP 2010 – 11 during the year. The disbursement is 40% higher over the disbursement of Rs. 21286 crore made during corresponding period of last year 2009 – 10.

Details of achievements under ACP 2011-12 are furnished in the Annexure

(Amt Rs. in crore)

Sectors	2009- 10 (April to Dec)			2010 -11(April to Dec)			2011 - 12(April to Dec)
Sectors	Plan	Ach	%	Plan	Ach	%	Plan	Ach	%
Agriculture	9015	4800	53	16000	7789	49	20300	10206	50
MSE	4402	2386	54	8000	4402	55	9000	6412	71
OPS	4686	3209	68	7317	4610	63	7000	3872	55
Prisec	18103	10395	57	31317	16801	54	36300	20490	56
Non-Prisec	2678	2372	88	3078	3077	100	5700	3173	56
Total	20781	12767	61	34395	19878	58	42000	23664	56

Flow of credit to Agriculture and Allied Activities

The position of credit disbursement to agriculture sector against the Annual Credit Plan for the State of West Bengal for last 4 years is given below-

(Amt Rs. in crore)

Plan Year	Target	Achievement	%of Achievement
2007-08	5000	4662	93
2008-09	6693	6207	93
2009-10	9015	8178	91
2010 – 11	16000	11555	72
2010-11(April to Dec)	16000	7789	49
2011-12(April to Dec)	20300	10206	50
Variation ( over last Yr.)	26.87	31.03	-

The disbursement during the year is Rs 10206 crore recorded an increase of 31.03% over the disbursement of Rs 7789 crore made during the Corresponding period of last Year 2010 - 11.

Agency wise achievement Status of Farm Credit under ACP in West Bengal ( Status reports at the end of (April to December) of last 4 years and as on December 2011 is as under :

(Amt Rs. in crore)

Plan Year	Parameter	Commercial Banks	RRBs	CO-Operatives	Others	Total
2007-08 (Apr-Dec)	Target	2991	550	1450	9	5000
	Achievement	2939	438	1275	10
	% of Achv	98	80	88	113
2008-09 (Apr-Dec)	Target	3793	879	2021	0	6693
	Achievement	2536	489	875	0
	% of Achv	67	56	43	0
2009-10 (Apr-Dec)	Target	5010	1306	2694	5	9015
	Achievement	3148	629	1019	4	4800
	% of Achv	63	48	38	80	53
2010 – 11 (Apr-Dec)	Target	9750	2496	3750	4	16000
	Achievement	4837	759	2193	0	7789
	% of Achv	50	30	58	0	49
2011-2012 (Apr-Dec)	Target	12047	3174	5074	5	20300
	Achievement	6346	1463	2397	0	10206
	% of Achv	53	46	47	0	50

Details of achievement of Agriculture and Allied Activities under ACP 2011-12 are furnished in the Annexure

Flow of Credit to MSE

The position of credit disbursement to MSE sector against the Annual Credit Plan for the State of West Bengal for last 4 years are as under :

(Amt Rs. in crore)

Plan Year	Target	Achievement	% of Achievement
2007-2008	3000	2207	74
2008- 2009	3216	2978	93
2009 – 2010	4402	4343	99
2010-2011	8000	7236	90
2010-11(April-Dec)	8000	4402	55
2011-12(April-Dec	9000	6412	71
Growth (Over last year)	12.50	45.66	-

The disbursement made during the year is Rs 6412crore recording an increase of 45.66 % over the disbursement of Rs 4402 crore made during the last year 2010-11.

Agency wise achievement Status of MSE under ACP in West Bengal
(Status reports of last 4 Yrs and as on 31st Dec 2011 are as under)

(Amt Rs. in crore)

Plan Year	Parameter	Commercial Banks	RRBs	CO-Operatives	Others	Total
2007-08 (Apr-Dec)	Target	1959	350	285	406	3000
	Achievement	968	117	212	140	1437
	% of Achv	49	34	74	34	48
2008-09 (Apr-Dec)	Target	2102	375	305	525	3216
	Achievement	1151	141	98	410	1800
	% of Achv	55	38	32	94	56
2009-10 (Apr-Dec)	Target	3209	572	356	267	4404
	Achievement	1626	199	77	484	2386
	% of Achv	51	35	22	181	54
2010-11 (Apr-Dec)	Target	5866	1146	598	390	8000
	Achievement	3470	426	244	262	4402
	% of Achv	59	37	41	67	55
2011-12 (Apr-Dec)	Target	6600	1288	673	439	9000
	Achievement	4323	245	293	1551	6412
	% of Achv	66	19	44	354	71

Details of achievement of MSE under ACP 2011-12 are furnished in the Annexure

Flow of credit to Other Priority Sectors

The position of credit disbursement to Other Priority Sectors against the Annual Credit Plan for the State of West Bengal for last 4 years and as on 31st December 2011 is given below-

(Amt Rs. in crore)

Plan Year	Target	Achievement	% of Achievement
2007-2008	2983	3386	114
2008- 2009	3479	3269	94
2009 – 2010	4686	5084	108
2010-2011	7317	6436	88
2010-11(April-Dec)	7317	4610	63
2011-12(April-Dec)	7000	3872	55
Growth (Over last year)	(-) 4.33	(-) 16%	-

All banks disbursed Rs. 3872 crore during the year recording a decline of 16% over the disbursement of Rs 4610 crore made during last year 2010-11.

Details of achievement of Other Priority Sectors under ACP 2011 -12 are furnished in the Annexure :

Flow of credit to Medium Enterprises (ME)

The positions of credit disbursement to Medium Enterprises against the Annual Target for the State of West Bengal for last 4 years and as on 31st December 2011 are as under :

(Amt Rs. in crore)

Plan Year	Target	Achievement	% of Achievement
2007-2008	6000.00	3054.14	51
2008-2009	6000.00	3351.89	56
2009 – 2010	6000.00	3788.65	63
2010-11	6000.00	4840.42	81%
2010-11(April-Dec)	6000.00	5093.47	85
2011-12(April-Dec)	6000.00	3501.78	58
Growth (Over last year)	-	(-) 31.25	-

The disbursement made during the year 2011-12 is Rs 3501.78 crore compared to Rs 5093.47 crore disbursed during last year 2010-2011.

Details of disbursement to Medium Enterprises for the year 2011 -12 is furnished in the Annexure :

THE FLOW OF CREDIT TO AGRICULTURE
(During the year 2011-12)

Progress report on the flow of farm credit (in specified items) under ACP by all Banks in West Bengal for the quarter ending September 2011 is furnished below: -

Sl No	Particulars	Target 2011-12	Achievement during the Quarter ended September 2011
1	Agriculture and allied activities	Rs. 20300.00 crore	Rs. 5601.67 crore, which is 28% of the target.
2	KCC	10.00 lac Nos. Out of which: CB & RRBs-5.95 lac Nos. Co-op & CARDB – 4.05 lac Nos.	KCC issued - 254545 nos. (25% of the target) 193618 nos. which is 33% of target 60927 nos, which is 15% of target
3	New Farmers	8.00 lac Nos.	Banks financed to 243417 nos. of New Farmers which is 30% of the target.
4	Small & Marginal farmers	Rs. 10150.00 Crore.	Rs. 2737.15 crore was disbursed against target, which comes to 272% of target.
5	Lending to Share Croppers/ oral lessees	2.00 lac Nos	24187 nos of beneficiaries (share croppers) got financial assistance, which stands at 12.09% of the target.
6	Lending to Patta Holders	1.00 lac Nos	21005 nos. of Patta Holders were benefited by credit assistance, it contributes 21.01% of target.
7.	Relief measures to Small & Marginal Farmers through OTS	1.00 lac Nos.	5958 nos of farmers were covered under OTS to the extent of Rs.22.17 crore, which stands. at 5.96 % of the target.

Details of the performance of Banks during the year 2011-12 have been given in the Annexure.

Progress of Credit-Linked Self-Employment Programme(SEP) during the year 2011-12

Progress on SEP as on 31.12.2011 for the year 2011-12 is furnished below :

(In Numbers)

	2010-11			2011-12(April- December)
	Sponsor	Sanc.	Disb.	Sponsor	Sanc.	Disb.
PMEGP (a+b+c)
a) DIC 2009 - 10	-	-	1426	-	-	-
-b) KVIC 2009 - 10	-	-	-	-	-	-
c ) KVIB 2009 - 10	-	976	853	-	-	-
a) DIC 2010 - 11	17922	7640	6578	-	-	-
b) KVIC 2010 - 11	1967	942	888	-	-	-
c ) KVIB 2010 - 11	4090	2231	1883	-	-	-
a) DIC 2011 - 12	-	-	-	-	-	4432
b) KVIC 2011 - 12	-	-	-	-	-	79
c ) KVIB 2011 - 12	-	-	-	-	-	621
SJSRY	4841	3887	3459	4364	3352	3012
SCP 2009-10	-	-	22470	-	-
SCP 2010-11	16076	16076	5399	-	-	2077
SCP 2011-12	-	-	-	22277	18819	4441
SRMS 2008-09	-	-	-	-	-	-
BSKP 2009-10	-	-	3549	-	-	-
BSKP 2010-11	45447	18937	12491	-	-	-
BSKP 2011-12	-	-	-	27734	9703	16598
USKP	2702	1673	1249	2118	1367	908
SSEP	54	43	40	101	58	45
SCC	11057	11057	11057	6398	6398	6398
ACC	3081	3081	3081	4454	4454	4454
LUCC	4132	4132	4132	1759	1759	1759
Total:	111369	70675	78555	69205	45910	44824
Target:	100000			100000
% of Achievement			79			45

The Target for generation of self–employment during the year 2011-12(excluding cases under Self Help Groups) is disbursement of 1.00 lac cases.
45910 nos of self-employment cases have been sanctioned upto the quarter ending December 2011 (Programme year-2011-12) and disbursed 44824 cases (45%) including the spill over cases during the year 2010-11.

Details of the performance of Banks during the year 2011-12 have been given in the Annexure.

NPA position of Banks as on 30.09.2011

Bank Wise and Sector wise disbursement of Credit Apr-December 2011

BANK-WISE AND SECTOR-WISE DISBURSEMENT OF CREDIT UNDER ANNUAL CREDIT PLAN 2011-12

Programme Year 2011-2012 SCP Progress in implementation as on 30.09.2011

Programme Year 2011-2012 SSEP Progress in implementation as on 30.09.2011

Programme Year 2011-2012 SESRU/USKP Progress in implementation as on 30.09.2011

Programme Year 2011-2012 BSKP Progress in implementation as on 30.09.2011

Programme Year 2011-2012 SJSRY(UWSP) Progress in implementation as on 30.09.2011

Programme Year 2011-2012 SJSRY(USEP) Progress in implementation as on 30.09.2011

Programme Year 2011-2012 SGSY(Individual) Progress in implementation as on 30.09.2011

Programme Year 2011-2012 PMEGP (DIC) Progress in implementation as on 30.09.2011