.

Sectorial trends in credit flow

The ground level credit flow under Priority Sector during 2012-13, 2013-14 and 2014-15 stood at `609.86

crore, ` 674.20 crore, ` 974.94 crore respectively. The CD ratio of the district is 99%.

3. Broad Sector wise projections for 2016-17

The exploitable potential for 2016-17 was estimated at `68,559.82 lakh in the base PLP. The same has
since

been revised to `1,26,934.15 lakh. Agriculture sector accounts for a major share of 68.60 % of the total

projections. The realization of potential would however, largely depend on the removal of various
constraints

and developing the critical infrastructure as discussed below.

4. Major constraints

Last mile road infrastructure requires to be developed in many villages to enable farmers to have easy

access/connectivity to nearby markets. Lack of post harvest infrastructure like warehouses, cold storage
and

chains, grading and packing houses and erratic power supply are the other bottlenecks which needs to
be

addressed.

5. Thrust areas for 2016-17

a. Mainstreaming the financially excluded :The past year has seen a number of steps taken towards

promoting financial inclusion in a big way viz., the Pradan Mantri Jan Dhan Yojana (PMJDY), Prime

Minister’s Social Security Schemes, Mudra Yojana etc. Mainstreaming these account holders into the

banking fold would continue to be a thrust area for 2016-17.

b. Accelerating the pace of capital formation in agriculture and allied sector: Banks need to give thrust to

agriculture term loans with focus on loans for water resources, soil conservation and farm
mechanization

activities. This would create farm assets that in turn would lead to capital formation in agriculture.

c. Promotion of JLGs : Banks need to aggressively finance JLGs for better coverage of Oral Lessees,
Tenant
Farmers,

d. Area Development Plan: Three GPs for protected cultivation of exotic vegetables and 2 GPs for open

cultivation of roses in Chikkaballapur taluk are identified by NABARD for further development.\

Banking scenario: The district has 248 bank branches of which, 180 are rural and 68 semi urban
branches.

The number of branches of CBs, RRB, DCCB, PCARDB were 104, 36, 6 and 6 respectively. In addition, one
branch
of Karnataka State Finance Corporation (KSFC) and 95 pacs, affiliated to the DCCB are also functioning in
the

district. The “per branch” population at 5060 was favourable than the State average of 6420. The
deposits of

banks recorded a growth of 19.78 per cent and 22.38 per cent respectively during 2013-14 and 2014-15,

while advances grew at 19.52 per cent and 13.64 per cent respectively, during the same period. Credit-
Deposit

(CD) ratio of the district decreased from 107 per cent as on 31 March, 2014 to 99 per cent as on 31
March

2015.

11. Financial Inclusion: Of the 320 villages with a population of more than 2000 and 1004 villages with a

population of 1000 to 2000, 1324 have been covered through brick and mortar branch, ultra-small
branch/

CSP or through other modes. 107 BCs are engaged in the district and 24,976 smart cards have been
issued.

Comprehensive Financial Services Plan for the entire district is being prepared, covering banking, rural

development, insurance, etc. As on 31 March 2015, the cumulative number of KCCs stood at 0.24 lakh of

which, 8298 were Rupay KCCs. All 0.24 lakh KCC holders were covered under PAIS. No-Frills Accounts
and GCC

cards issued were 2.81 lakh and 2335 respectively and total number of Rupay debit cards issued was
1.24 lakh.

IT enabled Financial Inclusion (FI) through Business Correspondent (BC) Model has been introduced by
Canara

Bank. FLC Centres have been opened in two blocks, namely, Chikkaballapur and Bagepalli. The Financial

Literacy Centre (FLC) in Chikkaballapur has been functioning since 2009, and is playing an active role in

imparting financial education and basic banking knowledge in schools, villages, to Farmers' Clubs/ SHG

members, etc.
Ward Sabha.- (1) Subject to the general orders of the Government, Ward

Sabha shall meet atleast once in six months.

Grama Sabha.- (1) The Grama Sabha shall meet at least once in six

months: