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2010-2011
THE RAJASTHAN STATE COOPERATIVE BANK LTD.,
JAIPUR
ABOUT RAJASTHAN
Rajasthan is the largest state of India as far as the area
covered is concerned. Rajasthan situated at the north-western
part of India is the biggest state in the country of India and lies
between 23°30' and 30°11' North-latitude and 69°29' and 78°17
East-longitude. Rajasthan shares its North-western and Western
boundary with the Indo-Pak International border. The huge
portion of the state of Rajasthan is deserted and houses the
biggest Indian desert 'The Thar' desert known as the Maru
Kantar. The oldest chain of Fold Mountains 'The Aravali Range
splits the state into two geographical zones- desert is on the one
side and forest belt on the other. Only 9.36% of the total
geographical region lies under forest vegetation. Rajasthan with
a total geographical area of 3.42 Lakh Sq. Km. accounts for
about 10% of the total area and about 5.5% of total population
of the country. It is situated in the north western part of the
country and bounded north by Punjab, north east by Haryana
and Uttar Pradesh, east by Madhya Pradesh, south by Gujarat,
and west by Pakistan.
ADMINISTRATIVE SET-UP
Districts
Divisions
Sub-divisions
33
7
188
Tehsils
Gram Panchyat
Villages
241
9189
42955
Rajasthan had varying topographic features. The extensive
topography includes rocky terrain, rolling sandy dunes,
wetlands, barren tracks or land filled with thorny scrubs, riverdrained plains, plateaus, ravines and wooded region. The
topography of Rajasthan is varied and characterized by hilly and
sandy terrain. The Aravali range runs from south-west to northeast through the heart of the state. The region to the west and
North West of the Aravali comprises of 12 districts and accounts
for 61% of geographical area of the State which is either desert
or semi-desert, known as Great Indian 'Thar Desert'. The Thar
area is characterized by low and erratic rainfall, extreme
temperature, long periods of drought accompanied by high wind
velocity and low relative humidity resulting in arid and semiarid conditions. Like its varying topography, Rajasthan has
varying climate. The weather or climate of the Rajasthan can be
broadly classified into four distinct seasons i.e. the Pre
Monsoon, the monsoon, the post monsoon and the winter.
Recurring drought, uneven and scanty rainfall conditions have
become regular feature of the state economy. The State has
faced 84 droughts in last 100 years. The state in general is
characterized as one of the dry states in the country with wide
temperature variation. State is divided into four agro-climatic
zones.
i)
Trans Gangetic Plains
-
2 districts.
ii)
Central Plateau & hills
-
21 districts
iii)
Western Plateau & hills
-
1 district
iv)
Western Dry Region
-
9 districts
The soil in Rajasthan is mainly sandy but alluvial and red
soils are also found in some parts of the state. The State is also
poor in terms of forest resources. Only 7.73% of total
geographical area of the state is under forest cover.
SHORT TERM COOPERATIVE CREDIT
STRUCTURE
With a view to cater the seasonal financial requirements
for agriculture & other allied activities at state level, The
Rajasthan State Cooperative Bank Ltd.(RSCB) was established
& registered under Rajasthan Cooperative Societies Act on 14th
October, 1953. It is an Apex institution of the District Central
Cooperative Banks (DCCBs) functioning in the state. The
governance of village level Primary Agriculture Cooperative
Societies, District Central Cooperative Banks & RSCB is
ensured by elected board through a democratic election system
under The Rajasthan Cooperative Societies Act.
NET WORK
In order to achieve the objectives of the Cooperatives, an
extensive net-work is available to cater the needs of rural masses
at their door-step with a three tier short-term cooperative credit
delivery system.
At the Apex level, Rajasthan State Cooperative Bank (RSCB)
with its 5 Regional and 8 local (Jaipur) Branches in the State.
At the District level 29 DCCBs covering 33 Districts of the
State having 409 Branches.
At the grass-root level 5389 PACS/LAMPS which covers
100% of the geographical area of the state, i.e., 42955
villages.
PRIMARY AGRI. COOPERATIVE CREDIT SOCIETIES
(PACS)
PACS are the backbone of Short-term Cooperative Credit
Structure. Out of 5389 PACS/LAMPS in the state, 4117 PACS
working as Mini Bank were collecting deposits from their
members. Total deposits of these Mini Banks stood at Rs.
805.69 crores as on 31.3.2011.
THE RAJASTHAN STATE COOPERATIVE BANK
RSCB has successfully completed more than five decades
of services to the state of Rajasthan in general and to the rural
and farming community in particular.
Looking at the area of Rajasthan State, RSCB has
converted its regional offices into regional branches and
presently Udaipur and Jodhpur branches are catering the
financial needs of DCCBs situated in their area of operation
since financial year 2007-08 Kota, Bikaner & Jaipur Regional
Branches are also providing Short-term agricultural loans to
DCCBs situated at head quarter in their respective area of
operation.
S.T.COOPERATIVE STRUCTURE
RBI
NABARD
:
RSCB
:
DCCB
:
BRANCHES
:
GSS(PACS/LAMPS)
OUR MISSION
Our corporate mission is to become a strong and
competitive Cooperative Banking Network which offers
innovative financial products along with varied range of
services to serve rural masses with rejuvenated short-term
cooperative credit structure to serve the people of Rajasthan.
PRIORITIES
To issue Kisan Credit Card to all eligible farmers.
To increase the borrowing membership up to 24.50 lacs by
the end
of March, 2012.
To inculcate thrift habits in rural areas by mobilizing rural
savings through PACS/MINI Banks and branches of DCCBs.
To implement Life Insurance/ Personal Accidental Insurance/
Crop Insurance Schemes/Group Health Insurance Scheme
covering borrowers & customers of Cooperative Sector.
To release farmers from the clutches of money lenders by
providing cheaper and timely institutional credit.
To increase investment credit to farmers to create/enhance
capital formation in the state.
To support State Government's efforts to implement the
revival package for Short-term Cooperative Credit Structure.
To promote farmers club & SHGs ensuring. Credit linkage of
Maximum SHGs & special efforts for women SHGs.
To bring about technological changes in the Short-term
Cooperative Credit Structure.
To enhance corporate image of cooperative banking in
general and Apex Bank in particular.
To start branches of Mini banks in 4000 Bharat Nirman
Rajeev Gandhi Seva Kendra’s constructed at Gram Panchayat
Level.
To complete the Computerization of
PACS under
Vaidynathan Revised Package by Nabard so that Uniform
Common Accounting System (CAS) and Management
Information System (MIS) are successfully implented.
RSCB'S ORGANISATIONAL SET-UP
At present Board of Directors is functional in Rajasthan
State Cooperative Bank which has been constituted after due
election process. Chairman presides over board meetings. The
Chief Executive Officer of the bank is designated as Managing
Director and is an officer drawn on deputation from Cooperative
Department of State Govt. One General Manager and 6 Dy.
General Managers are there to assist M.D. in day to day
management. The bank has 6 departments at HO level which
are:
Administration & Personnel (A&P)
Operation (Opr.)
Planning & Development (P&D)
Accounts & Finance (A&F)
Inspection & Supervision (I&S)
Training
Banks Regional offices viz; Jaipur, Kota, Udaipur,
Jodhpur and Bikaner are functioning with a view to keep a
close watch on Central Cooperative Banks within their
area of operation. Regional Offices have also started
banking business as full fledged regional branches. Banks'
remaining 8 branches are functioning in the municipal area
of the Jaipur city.
ORGANISATIONAL SET-UP
G E N E R A L
B O D Y
:
B O A R D OF D I R E C T O R S
:
MANAGING DIRECTOR
:
GENERAL MANAGER
DY.
GENERAL
MANAGER
(A&P)
DY.
GENERAL
MANAGER
(Opr.)
DY.
GENERAL
MANAGER
(P&D)
DY.
GENERAL
MANAGER
(A&F)
DY.
GENERAL
MANAGER
(I&S)
DY.
GENERAL
MANAGER
(Trg)
:
5 Regional Branches
8 Branches in Jaipur
In addition to it, Bank has received license for three branches
in Jaipur from RBI and process is under way to open them in
short time.
LICENCE:Banking License granted to State Co-operative Bank and
23 DCCB’s by RBI till Oct, 2011.Hence Rajasthan State Cooperative Bank is having status of Scheduled and Licensed
bank.
HIGH LIGHTS AND IPSO-FACTO
YEAR 2010-11
RSCB registered 24.47 Crore net profit.
RSCB registered an annual growth of 8.04 per cent in own
fund.
RSCB registered an annual growth of 83.65 per cent in
loan outstanding.
RSCB registered an annual growth of 33.03 per cent in
average working fund.
The level of recovery against demand stood at 98.44 per
cent.
Per employee productivity was to the tune of Rs. 23.08
Crores and per branch business was Rs. 403.01 Crores.
RSCB has established India's first currency chest in the
cooperative sector in its Nehru Bazar Branch, Jaipur. Now
it has been shifted to Tonk Road branch of the Bank.
RSCB has been awarded at national level by NAFSCOB
for its performance in the year 1994-95, 1996-97, 1997-98,
1998-1999, 2000-2001, 2001-2002 , 2002-2003, 20052006, 2006-2007 and 2007-2008.
RSCB is paying dividend regularly to its Shareholders.
Last dividend paid @ 4.53%.
Total Deposit :
(Rs
coroe)
Total Loans Outstanding:
(Rs in crore)
in
OBJECTIVES
According to the Bye-laws main objectives of RSCB are as
under
To promote the economic interest of the members of the bank
in accordance with cooperative principles;
To receive money on current/various fixed deposits or other
accounts and to raise or borrow from time to time such sums
of money as may be required for the purpose of the bank.
To grant loans to cooperative institutions registered or
deemed to be registered under the Act and other members
enrolled as per provisions of the Bye-laws;
To lend money or grant overdrafts to, or open cash credit for,
depositors and members of the bank's staff on the security
of:• Fixed deposits,
• Government securities, and
• Other securities approved by the Registrar, also grant clean
overdrafts to depositors, who are at least nominal members
according to the rules framed by the Board;
To serve as a balancing center for all-cooperative banks and
societies in the state;
To undertake inland exchange business by collecting or
discounting bills of exchange and hundies or to issue demand
drafts. The discounting of bills shall be for those who are at
least nominal members according to rules framed by the
Board;
To receive for safe custody securities, ornaments and
valuables;
To buy and sell for the legitimate investment of surplus
funds, securities of the Govt.of India or of the Govt. of
Rajasthan or other securities as specified in clauses (a), (b),
(c) and (d) of section 20 of the Indian Trusts Act, 1882 and to
act as agent for cooperative institutions for the purchase and
sale of such securities;
To open branches where necessary in its area of operation.
As federal organization, it plays leadership role by providing
consultancy, guidance and technical support to its affiliates.
OTHER ACTIVITIES :
KISAN CREDIT CARD
In the State of Rajasthan, the crop loans were disbursed in
the cash credit form based on " Sri Ganganagar or Punjab
Pattern" even prior to the introduction of Kisan Credit Card
(KCC) Scheme. However, with the introduction of KCC
scheme, loan disbursement procedure has been renamed
accordingly. At present all crop loans are being disbursed under
KCC.
The State Govt. has also taken keen interest to see that
more and more KCC are issued to the eligible farmers of the
state. Short term cooperative credit structure of the state has
issued 35.45 lacs KCC upto 31st March,2011.
DIVERSIFICATION OF LOAN PORT-FOLIO
In last few years concerted efforts have been made to
diversify loan portfolio so as to provide an opportunity to
DCCBs to cross subsidize their losses in traditional crop loan
business. Consequent to above deliberated efforts, DCCBs have
been able to develop their investment portfolio over a period of
time.
In this endeavor NABARD has introduced lots of new schemes
viz; water harvesting structure, organic farming, agri-clinic /
agri-business centers, aromatic and medicinal plantation, onion
storage structure, horticulture, self help groups, house building,
swarojgar credit card etc. for which DCCBs can avail refinance
from NABARD and can further diversify their farm and nonfarm investment portfolio. Apex Bank on its part has been
pursuing DCCBs to finance for innovative activities, the sole
purpose of which is to diversify the loan portfolio of these banks
and to facilitate economic development through creation of
assets in the rural areas of the state.
COMMERCIAL LOAN SCHEMES
Ever reducing margin on agricultural lending made
diversification need of the time. Consequent to this concept
several loan schemes were launched from time to time keeping
in view the requirement of general public of the state. Most of
the schemes have been adopted by DCCBs, some of them are as
under: Personal Loans.
Vehicle Loans.
Working capital finance to the existing & new industrial
units.
Cash Credit limits.
Krishak Mitra Yojana
Aawas and Vyavasayik parisar loan Scheme.
Swarojgar Credit Card Scheme.
Gyan Sagar ( Education) loan scheme.
Financing against N.S.Cs & Securities.
Avika Sahkari Credit Card Scheme for Sheep rearing.
Viswas Yojna for handicapped persons.
Loan against property
ISO CERTIFICATION
Bank has implemented ISO 9001:2008 QMS standards
in its HO & Tonk Road branch. ISO 9001:2008
certification has been received for the bank’s HO & Tonk
Road branch.
CREATING INNOVATIVE FINANCIAL PRODUCT
FOR THE POOREST OF THE POOR (SELF HELP
GROUPS):
Under the micro-credit system promoted by Short Term
Cooperative Credit Structure in the State, the DCCBs/PACS
have been playing the role of facilitators to organize Self Help
Groups of specially the women clientele to address their
common socio-economic needs by pooling their resources to
make available small interest bearing loans to their members.
The process helps them in inculcating saving habits and imbibes
the essentials of financial intermediation including prioritization
of needs, setting terms & conditions, accounts keeping &
building financial discipline by handling resources of a size
beyond their individual capacities. These groups are graduated
to be linked with DCCBs/PACS. Since beginning of the SHGPilot project 59,459 new SHGs have been formed of which
56,414 SHGs were benefited by providing cumulative credit of
Rs 28,217.96 lacs up to 31.03.2011.
WEATHER BASED CROP INSURANCE SCHEME:State Govt. has launched Crop. Insurance scheme from
Kharif Crop, 2003 under which prescribed Crops in the notified
area are being insured. During Kharif 2011 crops of 47.38 lacs
farmers was insured and premium of 131.79 crore was remitted
to Insurance companies. Claim amt. 61.74 crore paid by
Insurance Companies.
For Rabi 2010-11 crops of 26.60 lacs farmers was insured and
Rs 90.80 crore premium remitted to Insurance Companies.
Claim amt. 228.59 crore paid by Insurance Companies.
PERSONAL ACCIDENTAL INSURANCE SCHEME
Personal
Accidental
Insurance
Scheme
has
been
introduced in the state through District Central Coop. Banks
with an objective to provide financial security to its loanee
members, Customers, Depositors & Staff members at a nominal
premium against the accidental losses. During the period from
01.12.2009 to 31.03.2011 total insured persons were 13, 91,008
and premium amount Rs 1.63 crore was paid to
insurance company. Total 157 claims were lodged amounting to
Rs 78.50 lacs out of which 44 claims were sanctioned
amounting to Rs 22.00 lacs. 29 claims were rejected and
pending claims are 101 amounting to Rs 49.50 lacs.
GROUP LIFE INSURANCE
Life Insurance coverage is provided to all Loanees on
Compulsory basis. It is optional for depositors & Employees.
The coverage for loanees is up to Loan outstanding at the time
of becoming members of the scheme or Rs. 10 lacs whichever
is less. MOU was signed on 13 Oct, 2009 with L.I.C, as per
approval of GOR for implementation of the scheme. The MOU
was vailed up to 30 sept,2011. Proposals are submitted to GOR
for further extension of the scheme.
Under the scheme so far Premium amounting to Rs. 21.56
crore
was forwarded to L.I.C. So far 10,474 claims were
submitted, of which 8559 claims amounting to Rs. 29.19 crore
are paid by L.I.C, 423 claim are rejected and 1492 claims are
Pending.
COMPUTERISATION
Status of RSCB and DCCB computerization project
RSCB computerization: Core Banking Solution has been implemented in all the
thirteen branches of the RSCB and A&F department of
RSCB.
EFT switch has been installed made operational in the
Data Center of the bank.
ATM’s are made operational initially in two branches of
the bank viz. Tonk Road & Nehru Bazaar. Bank has plans
to install ATM in all its branches as well as offsite
locations.
The bank has received the permission from RBI for
connecting bank’s ATM with the BANCS ATM network.
The activity of joining bank' ATM with BANCS ATM
network is in progress.
Bank’s is maintaining its own web server and bank’s
website is developed and hosted at the RSCB Data Center
at bank’s HO.
Bank is maintaining its own e-mail server, installed in the
bank’s Data Center and e-mail Facility is available in the
HO and branches of the bank. E-mail is used in daily
communications.
Bank has taken the membership of the CIBIL (constituted
in joint efforts of GoI & RBI), to ensure quality of loans.
The branches of the bank are generating the credit reports
of the loanees.
Statement by e-mail facility has been started for DCCBs
and customers.
SMS & Telebanking services implementation is under
testing and soon will be made available for customers use.
DCCBs computerization project: Three branches of Jodhpur DCCB, Two branchs of Jaipur
DCCB and one Branch each of Kota, Ajmer, Bharatpur,
Udaipur, Bhilwara, Bikaner, Jhalawar, Jhunjhunu Pali and
Sri Ganganagar DCCBs have been computerized
Hardware has been supplied and installed in 273 branches
of 23 DCCBs.
The process of selection of CBS software for all branches
of DCCBs is in progress.
GOALS FOR FUTURE ( 2011-2012)
Under Short Term Agriculture loan Rs. 7000.00 crores
loan disbursement at grass root level against which 2700
crore reimbursement.
Disbursement of Rs. 100.00 crores loan under Investment
Credit (Agriculture & Non-Agriculture).
Attain the level of Rs. 3300.00 crores in Deposits of the
Bank.
Attain the level of Rs. 3200.00 crores in total loan
outstanding of the bank.
Attain the level of Rs. 6500.00 crores in working capital of
the bank.
For bank branches/Regional branches construct suitable
office accommodation after purchasing land/purchase
office accommodation.
To promote formation and loan disbursement of Self Help
Groups.
To establish ATM in remaining 6 branches of Jaipur on
the basis of requirement and utility.
To start RTGS and NEFT facility.
To start three new computerized branches in Jaipur.