Debt Relief to farmers, Women Self Help Groups; of the State of Andhra Pradesh
Debt Relief to
farmers, Women Self Help Groups; of the State of Andhra Pradesh -Operational
guidelines to the implementing agencies issued:
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FINANCE (IF) DEPARTMENT
G.O.MS.No. 181. Dated: 01.09.2014.
Read the following:-
1. G.O.Ms.No.31 Agriculture & Cooperation (Agri. II) Department dt.10.06.2014.
2. G.O.Ms.No.164 Finance (IF) Department dt.02.08.2014.
3. G.O.Ms.No.174 Finance (IF) Department dt.14.08.2014.
<<>>
ORDER:
In partial modification of the “Operational Guidelines” annexed to G.O.Ms.No.174 dt.14.08.2014 cited (3) above, paras (2) & (3) regarding the “Cut- off date for Waiver” may be read as follows:
“ 2. The Crop loans & agriculture gold loans disbursed for crop purposes only, including the loans converted to MTL due to calamities, upto 31.12.2013 and outstanding (including interest) as on 31.12.2013 are eligible for cover under the scheme.
“ 3. Loans which were outstanding as on 31.12.2013 would be eligible for waiver even if they were subsequently repaid to the bank/ cooperative.”
2. Colum No.18 in the template to be submitted by each branch of the Scheduled Commercial Banks/RRBs/ Cooperative Banks and PACS/FSCS is modified accordingly, to report outstanding balances as on 31-12-2013.
3. This G.O. is available in Andhra Pradesh website http://goir.ap.gov.in/.
(BY ORDER AND IN THE NAME OF THE GOVERNOR OF ANDHRA PRADESH)
L.PREMACHANDRA REDDY SECRETARY TO GOVERNMENT (B&IF).
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FINANCE
(B&IF) DEPARTMENT
G.O.Ms.No.184 Dated: 03.09.2014.
Read
the following:-
1. G.O.Ms.No.31 Agriculture & Cooperation (Agri. II)
Department dt.10.06.2014.
2.G.O.Ms.No.164 Finance (IF) Department dt.02.08.2014.
3.G.O.Ms.No.174 Finance (IF) Department dt.14.08.2014.
4.G.O.Ms.No.181 Finance (IF) Department dt. 01.09.2014.
<<>>
ORDER:
In
the GO. 2nd cited, operational guidelines to extend debt- relief to
the farmers, have been issued.
2. The
guidelines, inter-alia contain obligations of the lending institutions enlisted
on Page No.4 of the said G.O. In terms
of the requirements mentioned against item (c), the Government has decided to put
in place a Grievance Redressal Mechanism as follows:
State Level Grievance Redressal Committee:
A State Level Committee has been constituted with the following members:
Dy.
Chairman, State Planning Board - Chairman
Principal
Secretary, Agriculture - Convenor
Special
Chief Secretary, Rural Development -Member
Secretary
Finance (B&IF) - Member
Convenor,
SLBC of AP - Member
3. District
Collectors should form Similar Committees with the concerned Lead District
Manager as Convenor. Collectors can nominate other members of the committee and
decide about the periodicity of the meetings as per the local requirements.
4. All
regional issues should be resolved by
the District Level Committee. Such of those which could not be resolved
locally, can be referred to the Convenor of the State Level Committee, at
Hyderabad. Constitution of the District Level Committees should be completed by
the 10th of September, 2014.
5. This G.O. is
available in Andhra Pradesh website http://goir.ap.gov.in/.
(BY
ORDER AND IN THE NAME OF THE GOVERNOR OF ANDHRA PRADESH)
L.PREMACHANDRA REDDY SECRETARY TO GOVERNMENT
(B&IF).
-------------------------------------------------------FINANCE (IF) DEPARTMENT
G.O.MS.No. 181. Dated: 01.09.2014.
Read the following:-
1. G.O.Ms.No.31 Agriculture & Cooperation (Agri. II) Department dt.10.06.2014.
2. G.O.Ms.No.164 Finance (IF) Department dt.02.08.2014.
3. G.O.Ms.No.174 Finance (IF) Department dt.14.08.2014.
<<>>
ORDER:
In partial modification of the “Operational Guidelines” annexed to G.O.Ms.No.174 dt.14.08.2014 cited (3) above, paras (2) & (3) regarding the “Cut- off date for Waiver” may be read as follows:
“ 2. The Crop loans & agriculture gold loans disbursed for crop purposes only, including the loans converted to MTL due to calamities, upto 31.12.2013 and outstanding (including interest) as on 31.12.2013 are eligible for cover under the scheme.
“ 3. Loans which were outstanding as on 31.12.2013 would be eligible for waiver even if they were subsequently repaid to the bank/ cooperative.”
2. Colum No.18 in the template to be submitted by each branch of the Scheduled Commercial Banks/RRBs/ Cooperative Banks and PACS/FSCS is modified accordingly, to report outstanding balances as on 31-12-2013.
3. This G.O. is available in Andhra Pradesh website http://goir.ap.gov.in/.
(BY ORDER AND IN THE NAME OF THE GOVERNOR OF ANDHRA PRADESH)
L.PREMACHANDRA REDDY SECRETARY TO GOVERNMENT (B&IF).
----------------------------------------
FINANCE (IF) DEPARTMENT
G.O.Ms.No.174 Dated: 14.08.2014.
Read the following:-
1) G.O.Ms.No.31
Agriculture & Cooperation (Agri.II) Department, dt.10.06.2014.
2)G.O.Ms.No.164
Finance (IF) Department, dt.02.08.2014.
ORDER:
In the GO. 2nd read above, the
following orders were issued:
Ø To
waive the agriculture crop loans and gold loans availed for agricultural purposes,
together not exceeding Rs.1.50 lakhs per family.
Ø To
infuse fresh capital not exceeding Rs.1.00 lakh per DWCRA group in order to
financially strengthen the groups.
2. The operational guidelines to
implement the above orders are annexed herewith.
3. All the implementing agencies viz; Commercial Banks, Regional
Rural Banks, Cooperative Banks (Other than Urban Cooperatives) as also Primary
Agriculture Cooperative Credit Societies (PACS) and Farmers’
Service Cooperative Societies ( FSCS)
which are accredited to the lending institutions for advancing direct
agriculture crop loans, are advised to
follow the guidelines for strict compliance.
4. The State Level Bankers’ Committee
(SLBC) of Andhra Pradesh is requested to guide and monitor the implementation
of the scheme as per the guidelines.
5. This G.O. is available in Andhra Pradesh
Government Website http://goir.ap.gov.in/.
(BY ORDER AND IN THE NAME OF THE GOVERNOR OF ANDHRA PRADESH)
L.PremAchandra Reddy Secretary to Government
------------------------------------------------------
Guidelines
for implementing the Debt Waiver Scheme of Agriculture Crop Loans to farmers
Scope and Coverage:
The
scheme applies to crop loans (including gold loans sanctioned for raising
crops) extended by Scheduled Commercial Banks, Regional Rural Banks and
Cooperative banks (not UCBs) through
their branches/ Societies in the State of Andhra Pradesh (13 districts). Loans
granted to primary Agriculture Cooperative Credit Societies/FSCs which are
accredited to lending institutions for advancing direct agriculture crop loans
to agriculture family are also covered under the scheme.
Cut-off date for
waiver:
2. The Crop loans & agriculture gold
loans disbursed for crop purposes only, including the loans converted to MTL
due to calamities, upto 31.12.2013 and outstanding (including interest) as on
31/3/2014 are eligible for coverage under the scheme.
3. Loans which were outstanding as on
31.03.2014 would be eligible for waiver even if they were subsequently repaid
to the bank/cooperative.
Loans excluded:
4. Short term loans sanctioned for meeting
working capital needs of horticulture activity, allied activities like
fisheries, poultry, dairy etc; and agricultural produce (pledge) loans
including loans against warehouse receipts, working capital to activities related
to indirect finance like fertilisers, etc;
Category of Borrowers
Eligible:
5. The following categories of borrowers are
eligible for loan waiver scheme subject to certain condition prescribed in para
3.
i.
Family
who have directly availed of crop production loans against hypothecation of
standing crops/mortgage of land/ pledge of gold ornaments
ii.
Rythumitra
and Joint Liability Groups having availed crop loans, are eligible on pro-rata
basis as per the amount drawn by each member, the aggregate amount subject to
waiver ceiling.
iii.
Credit
extended to holders of Kisan Credit Card.
iv.
Family
whose crop loan was converted into medium term loan due to occurrence of
natural calamities.
v.
Agriculture
Gold loan for crop production purpose subject to the loan being supported by
ROR, observance of seasonality and scales of finance by the bank.
vi.
In
the event of both the pattadar holder as also the LEC holder/oral lessee availing short term crop loans on the same
survey number, the benefit should be extended to the LEC holder / tenant
cultivator only.
vii.
Loans
to farmers by companies or other institutions like registered societies (other
than FSCs/PACCs) trusts, partnerships, MFIs/UCBs are not covered under the
scheme.
Eligibility Criteria:
i.
For
purposes of loan waiver family is taken as a unit. The total amount of loan waived for all
eligible purposes from all banks taken together cannot exceed the ceiling of
Rs.1.50 lakhs fixed for the waiver.
ii.
The
total amount eligible for waiver shall be limited to crop loan and agriculture
gold loan for crop purposes and short term credit converted into MT loan
subject to the ceiling prescribed for family.
The
total amount that can be waived will be the aggregate of actual amount
outstanding in the respective loan accounts of family subject to a ceiling of
i.
Rs.1.50
lakh, for crop loan or gold loan or converted crop loan jointly for family. The
benefit should be limited to Rs.1.50 lakhs per family.
Definition of Family:
6. Family is defined as i.e. Head of the
family, his wife & dependent children. Criteria to identify the family members shall be from
documents like Ration Card, Voter list etc;.
Data Collection:
7. In order to ensure that the benefits of
the Scheme reach all eligible families, data is to be called for from the banks. For this purpose, a Committee under the
guidance of the Advisor (IT), Govt. of Andhra Pradesh, has developed a template
to be submitted by each branch of all scheduled banks including RRBs,
Cooperative Banks (excluding urban cooperatives) and PACs/FSS ceded to the
Commercial Banks and Cooperatives.
8. A major part of the data for the template
can be extracted by banks from their Core Banking Solutions platform. Other columns of the template have to be
filled-up by way of data entry by the bank-branch concerned.
9. If any of the information required in the
30 column format is not available either in the CBS or in loan file maintained
by the bank, the branch manager may call the loanee with the relevant record (
say, Aadhaar Number/ Ration Card/ Pattadar Pass Book/ Khata/LEC) and enter the
details in the presence of the loanee.
10. A front-end application will be developed
by NIC (National Informatics Centre) which shows account-wise Core Banking
Solutions details and additionally capture other parameters like Aadhar number,
Ration Card Number etc. Branch level
access to this application to update data will be provided. To expedite
implementation process the services of an
outsourcing agency may also be drafted,
if necessary.
Role of District Administration:
11. The data collection on the above lines is
to be closely monitored by the concerned District Collectors. On receipt of these guidelines, the District
Collector should immediately convene meeting with the controllers of Major
Banks operating in the area, LDM, Officers of Agriculture and Revenue
Departments and prescribe a time-line by which the data collection from each
bank-branch has to be completed.
12. It should be noted that unless all branches
submit the data, the process of determining the eligible amount for the
families cannot commence and therefore the district administration has to
ensure timely submission of data by the Banks.
The District Collectors need to also ensure that the required mobilization
for linking of different data base is done effectively.
Benefit for
agriculture family as concept:
13. Benefit of Debt waiver applies to
agriculture family as a unit and not individual account separately.
14. In case 2/3 members of a family whether
married or unmarried had availed loans against the same survey number, it will
be treated as a single unit for the purpose of family benefit. Loans availed
over and above the eligible loan limits will be restricted to the Scale of
Finance terms in vogue.
15. Either crop loan or agriculture gold loan
for crop purposes or converted crop loan is eligible subject to ceiling.
16. While considering waiver the priority is as
follows:
a)
First
- crop loans
b)
Second - converted crop loans
c)
Third
- agriculture gold loans for crop purposes only and not for allied activities.
17. The benefit of debt waiver will be extended
as per above ranking subject to ceiling.
Computation of Eligible amount:
18. The amount eligible for waiver shall be
computed in the following manner.
a)
The
total amount of loan borrowed by the family shall be the determining factor.
b)
After
arriving at the amount in the manner prescribed, determine what loans are
eligible to be covered under the scheme.
After determining the amount, the loan account against which the waiver
would be effected shall be determined.
If the loan amount falls within the limits prescribed, i.e., Rs.1.50
lakhs the entire amount would be eligible for waiver. Where it exceeds the limit the waiver would
be limited to the prescribed amount.
c)
The
amount so arrived at will be shown against the borrower as the amount to be
waived by the State Government. This amount would also be entered in the
Pattadar Pass book and authenticated by the bank concerned, with the bank seal.
d)
Similarly,
amount of benefit extended in respect of crop loan availed against the pledge
of gold ornaments should also be entered in the Pattadar Pass Book, if the gold
loan is proposed for write off.
Manner of Settlement:
19. The Branch Manager will maintain an
individual account of persons for family manually, where in the amount eligible
for waiver will be shown. As and when the amount is released by the Government,
adjustments would be made in this account.
20. Controllers of banks should ensure
uploading of branch-wise data to the Government portal. District Administration
should also render necessary assistance to banks to get full details from the
farmers, required as per the Template.
Procedure for waiver:
i. Where a family has
taken loan from more than one bank/ institution, the bank/ institution which
has retained the original pattadar pass book while giving loan will get the
priority. If the lending was against different survey numbers for different
banks, the benefit would be distributed on pro-rata basis. The benefit thus shared shall be entered
in the respective Pattadar pass book/s
of the family and the concerned Branch Manager shall put his signature and seal
on the pass book.
ii. If it is more than
the ceiling, the waived amount will be limited to the ceiling prescribed by the
Government. The branch manager concerned will affix their seal and signature
after recording the amount in the Pattadar pass book/LEC card.
iii.
In
respect of beneficiaries who had already repaid the loan, the eligible amount
would be credited to the saving bank account of the beneficiary and he would be
permitted to draw the amount.
iv.
As
regards those who had not repaid the loan,
the waiver amount would be
credited to the loan account of family and the outstanding balance would be
reduced to that extent, as per the method mention in para 16 (a), (b) and (c).
v. If the loan
outstandings of the beneficiary are higher than the waiver extended by the
Government under the Scheme, the balance will be paid by the beneficiary
concerned.
vi.
Crop
Insurance claims of family as and when received, should be appropriated to the
Government, to the extent of the amount waived and balance if any, beyond
waiver limit shall be credited to farmer’ account.
21. It is reiterated that no amount shall be
waived without proper endorsement on the pattedar pass book/LEC card.
Obligations
of the lending institutions:
a) Banks to collect
information as per the format furnished by Government, viz; Aadhaar Number,
Pattadar Pass Book number etc; and enter the details in their system and ensure
that the benefit goes to family as unit within overall ceiling.
b) Every lending
institution shall be responsible for the correctness and integrity of the list
of family eligible under this scheme and the particulars of the debt waiver in
respect of each family member of farmer. Every document maintained, every list
prepared and every certificate issued by a lending institution for the purposes
of this scheme shall bear the signature of the authorized officer of the
lending institution, his/her name together with the Employee Code Number with
the seal of the organisation.
c) Government will constitute one or more
Grievance Redressal Committee (s) which will include representatives from
Government and lending institutions for each Region/ Zone (having regard to the
number of branches in the Region/ Zone). The name, address and phone numbers of
the Grievance Redressal Committee/ Officer concerned shall be displayed in each
branch of the lending institution. The Grievance Redressal Committee shall have
the authority to receive representations from aggrieved farmers and pass
appropriate orders thereon, within the frame work of the scheme guidelines.
d) Any farmer who is
aggrieved on the ground that his name has not been included in the list of eligible
members referred to above or on the ground that the waiver granted to him has
been calculated wrongly, may make a representation through the branch from
which he received the loan or directly to the Grievance Redressal Committee and
every such representation shall be disposed of within 30 days of receipt
thereof.
Implementation:
22. Since the claims of the lending
institutions will be processed by the State Government on the basis of the
audited books of account (as on 31.03.2014), it should be important that due
care is taken while preparing the list of beneficiaries.
Claim
reimbursement modalities:
23. State Government directly or through
notified agencies will settle the claim received from respective banks and pass
on the benefit online, to the account of the beneficiary(s).
Data
Maintenance:
24. Banks are required to maintain additional
data as under:
i. Detailed borrower
wise data along with additional information may be maintained by banks at the
branch level as per the formats given.
This data is required to be kept ready for inspection / audit and
reference, as and when required. The branch wise data in summary form may also
be maintained at the Regional Office/ Zonal Office/ Controlling Office.
ii. The above information
may be maintained for S&MF and others, separately.
iii. Data should also be
maintained in respect of SC/ST/ Minorities/ Women beneficiaries, separately.
iv. Banks are also required to maintain
District-wise data Village-wise relating to the amounts waived in the
respective Controlling Offices / and forward a copy of the same to the SLBC
Convenor of the State.
v. The data of the loan
waiver and reporting returns shall also be maintained in soft form.
Audit:
25. The books of account
of every lending institution that has granted debt waiver under this scheme
(including the books of accounts maintained at the branches) shall be subject
to an audit. Audit mechanism will be
evolved in due course.
Fresh
Finance:
26. The farmers whose crop loans are waived under
the scheme will be eligible for fresh finance from the lending institutions
provided the amount waived is equal to the loan outstanding.
Time frame
for implementation:
Sl.No.
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Particulars
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Time frame
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1.
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Preparation of list
of eligible borrowers.
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Within 14 days from
the date of notification by the Government.
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2.
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Noting of the
details of benefit given under scheme in the Pattadar Passbook.
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The day on which
the benefit has been released to individual farmer. This implies that only
after noting in the Pattadar Passbook, the benefit can be released by the
bank.
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3.
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Notifying extending
of benefit for noting in the revenue records of the Government.
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Within a period of
one week.
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Interpretation
and power to resolve differences:
a)
If any doubt arises on the interpretation of
any paragraph of this scheme or any instructions issued there under, the State
Government shall resolve the doubt and the decision of the State Government
shall be final.
b)
If any difficulty arises in giving effect to
the provisions of the scheme or any instructions issued there under, the State
Government will take up measures which appears to it to be necessary or
expedient for the purposes of removing the difficulty.
Publicity:
a)
A copy of this scheme in English and Telugu
Language shall be displayed in each branch of every lending institution covered
under this scheme.
b)
A copy of this scheme will be available on
the websites of the State Government and SLBC.
-oOo-
Loan Waiver Scheme -
Beneficiary (Farmer) Detail Template
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Coloured fields are obtained
from the CBS
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Coloured fields indicate Crop
Location details and multiple rows per loan account can be entered in the
portal
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✔
marked columns from CBS are editable/selectable from drop-down options in the
Portal
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Account type
is selectable from Portal. When filling from Excel, different sheets for
Individuals and Groups will be provided
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Others in
Account type indicates Loans provided for Corporates, Partnership Firms,
Other Institutions etc.
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Select Account Type
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Bank
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Branch
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Branch Code
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Name Of The Farmer
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Customer Id
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Savings Bank A/C No.
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Address
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Father Name /Husband Name
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Residing District
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Residing Mandal
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Residing Village
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SC/ST/GEN
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SF /MF /Oth
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1
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2
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3
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4
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5
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6
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7✔
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8
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9
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10
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11
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12✔
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13✔
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Loan A/C No
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Loan AMT
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Nature of Facility
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Purpose
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Outstanding@31.03.2014
(Incl.interst)
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Date of Disbursement
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Date Of Repayment
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Nature of Land Proof
Document
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14
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15
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16✔
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17✔
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18
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19
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20
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21
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Crop Location Details
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District
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Mandal
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Village
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Survey No
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Khata No.
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Pattadar Pass Book No.
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Aadhar No.
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Ration Card No.
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Mobile No.
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22
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23
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24
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25
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26
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27
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28
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29
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30
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