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Date: 01/07/2009
Master Circular Priority Sector Lending- Special Programmes Swarna Jayanti Shahari Rozgar Yojana (SJSRY)

RBI/2009-10/31
RPCD.SP.BC.No.3 /09.16.01/2009-10

July 1, 2009

The Chairman / Managing Director
All Scheduled Commercial Banks
(Excluding RRBs)

Dear Sir,

Master Circular
Priority Sector Lending- Special Programmes Swarna Jayanti Shahari Rozgar Yojana (SJSRY)

Reserve Bank of India has, periodically, issued instructions/directives to banks with regard to operationalisation of the Swarna Jayanti Shahari Rozgar Yojana (SJSRY). To enable banks to have current instructions at one place, a Master Circular incorporating all the existing guidelines/instructions/directives on the scheme has been prepared and is appended. We advise that this Master Circular consolidates all the previous instructions issued by RBI from time to time till date, which are listed in Annexure III.

Please acknowledge receipt.


Yours faithfully,

(B.P. Vijayandra)
Chief General Manager


INDEX

Para No.

DESCRIPTION

1.

The Scheme

2.

Instructions and Guidelines

3.

Administration of Subsidy

4.

Monitoring & Review

Annexure-I  

Guidelines for Administration of Subsidy

Annexure-II

Format of Monthly Progress Report

Annexure-III

List of Circulars - Consolidated

Swarna Jayanti Shahari Rozgar Yojana (SJSRY)

Government of India have launched a rationalised poverty alleviation scheme Swarna Jayanti Shahari Rozgar Yojana replacing three existing schemes, viz.

(i) Nehru Rozgar Yojana (NRY),
(ii) Urban Basic Services for the Poor (UBSP), and
(iii) Prime Minister's Integrated Urban Poverty Eradication Programme (PMI UPEP).

Detailed guidelines of the new scheme have been circulated to all banks, vide RBI circular RPCD.SP.BC.52/09.16.01/97-98 dated November 17, 1997.

1. The Scheme

1.1 The scheme contains all essential features of the three schemes and is operative from  December 1,1997 in all urban towns in India.

1.2 SJSRY seeks to provide gainful employment to the urban poor (living below the urban poverty line) unemployed or under-employed, through setting up of self-employment ventures or provision of wage employment. Inputs under the scheme would be delivered both through the medium of community structures to be set up on UBSP pattern and Urban Local Bodies (ULBs). The scheme is to be funded on a 75:25 basis between the Centre and the States.

1.3 Swarna Jayanti Shahari Rozgar Yojana consists of two special schemes, namely

• The Urban Self-Employment Programme (USEP)

• The Urban Wage Employment Programme (UWEP)

1.4 Among other components of the scheme, the following are the two components of Urban Self-Employment Programme (USEP) where credit from banks is involved:

(a) Urban Self Employment Programme (USEP) - Assistance to inpidual urban poor beneficiaries for setting up gainful self-employment ventures.

(i) Identification: A house-to-house survey for identification of genuine beneficiaries should be done. Non-economic parameters also should be applied to identify the urban poor in addition to the economic criteria of the urban poverty line. Community structures like Community Development Societies (CDS) should be involved in this task under the guidance of the Town Urban Poverty Eradication Cell (TUPEC)/Urban Local Bodies (ULBs).

(ii) Eligibility: Under-employed and unemployed urban youth whose annual family income is below the poverty line and who have got education upto ninth standard shall be assisted with bank's loan and Government subsidy.

(iii) Minimum/Maximum age limit:  No age limit is prescribed.

(iv) Definition of family:  Identification of the family will have to be done on the basis of independent kitchen.

(v) Coverage: SJSRY would be implemented in all areas falling under the jurisdiction of Urban Local bodies of any category, irrespective of population size.

The Scheme is applicable to all urban towns in India and is implemented on a whole town basis with special emphasis on urban poor clusters including metropolitan cities. However, Urban Wage Employment Programme (UWUP) a component of SJSRY applies to all urban local bodies, the population of which was less than 5 lakh as per the 1991 census.

(vi) Project cost: Project cost upto Rs 50000/- is provided under the scheme in case of inpidual. If two or more eligible persons join together in a partnership, the project with higher costs would also be covered provided the share of each person in the project cost is Rs 50000/- or less.

(vii) Subsidy: Subsidy would be provided at the rate of 15 percent of the project cost, subject to a ceiling of Rs. 7500/- per beneficiary (for inpidual USEP). In case more than one beneficiary join together and set a project under partnership, subsidy would be calculated for each partner separately at the rate of 15 percent of his share in the project cost limited to Rs7500/- per partner.

(viii) Margin money: The borrower has to bring in 5 per cent of the project cost as margin money. Partnerships would be permitted wherein the overall project cost will be a simple sum of inpidual project cost allowable per borrower. Such project would be eligible for subsidy equal to the total permitted subsidy per person and each member would have to bring in 5 percent of his share of project cost as margin money.

(ix) Repayment: Repayment schedule ranges from 3 to 7 years, after initial moratorium of 6 to 18 months, as decided by the bank.

(x) Physical targets:  Physical targets under the USEP of SJSRY will be decided by the State Governments in conformity with the guidelines of the scheme as also the result of beneficiary survey to ensure adequate flexibility of operation of the scheme.

(b) Development of Women and Children in Urban Areas (DWCUA)

(i) Activities: The programme envisages special incentive to urban poor women who decide to set up self-employment ventures in a group. Such groups may take up any economic activity suited to their skill, training, aptitude and local conditions.

(ii) Size of the Group: DWCUA group shall consist of at least 10 urban poor women and will be entitled to a subsidy of Rs. 1,25,000/- or 50 percent of the cost of project, whichever is less. Every effort should be made to encourage the group to set itself up as a thrift and credit society.

(iii) Loan component if the project cost is up to Rs 250000/-: The loan component would be, project cost less 50 percent subsidy and less margin money (5 percent of the project cost).

(iv) Loan component if the project cost exceeds Rs 250000/-: No maximum ceiling is prescribed for the project cost. In cases where the project cost exceeds Rs.250000/-for the DWCUA Group, the project cost less subsidy (Rs. 125000/-) and margin money (at the rate of 5 percent of the project cost), would be the component of  bank loan.

(v) Margin money:  5 percent of the project cost will be contributed as margin money by the group as a whole.

(vi) Repayment of loan:  Same as under USEP for inpidual self-employment.

(vii) Income criteria:  Each member of the Group should fulfil the urban poverty norms as per official methodology as decided by the Planning Commission. The beneficiaries under SJSRY will be identified on the basis of monthly per capita income and not by annual family income.

2.  Instructions and Guidelines

2.1 Sub-targets: The percentage of women beneficiaries under the SJSRY Scheme shall not be less than 30 percent. SCs/STs must be benefited to the extent of the proportion of their strength in the local population. A special provision of 3 percent shall be made for the disabled under the scheme.

2.2 Priority Sector Status: The loans granted under the scheme should be treated as advances under priority sector and accordingly the loan applications should be disposed of expeditiously within the time schedule prescribed in this regard i.e. applications for loans upto Rs. 25,000/- within a fortnight and those for credit limits above Rs. 25,000/-, within 8 to 9 weeks.

2.3 No Dues Certificate: The loan applications may contain a clause for eliciting particulars about any loan taken by the applicant from any banking / financial institution of the State / Central Government and repayment particulars and balance outstanding in case such a facility is availed of. All particulars furnished by the applicant in the application may be certified by him. Based on the information furnished by the applicant, the banks may consider dispensing with production of 'No Due Certificate' as a compulsory requirement, if they are satisfied about the status of the borrower, so that the delay in sanction and disbursement of loans could be avoided. In case the bank concerned decides to verify the status of the loan account of the borrower with other banks in the area, it should send specific communication enclosing the list of applicants in duplicate and requesting the other banks to send back the duplicate copy duly certified. The banks receiving the reference for verification should furnish the same or provide details of its dues within a maximum period of 10 days. If no response is received within 15 days of request of verification from any bank, it may be presumed that the referred bank has no dues. Further, as inter-bank exchange of information is on the basis of mutuality and reciprocity, service charges should not be an issue for furnishing 'No due Certificate'.

2.4 Rejection of applications - Branch Managers may reject applications (except in respect of SC/ST) and such cases of rejections are to be verified subsequently by the pisional / Regional Managers. In case of proposals from SCs/STs, rejection should be at a level higher than that of a branch manager. Further, rejection of applications should not be on flimsy grounds. The reasons of rejection may also be communicated to the sponsoring agency while returning the applications.

2.5 Security: An entrepreneur eligible for assistance under the self-employment scheme can take a composite loan upto Rs. 50000/- and group loans upto Rs.3 lakh which would not require a collateral/guarantee. Besides margin, as also the subsidy by the Government, the borrower would hypothecate/mortgage/pledge to the bank the assets created out of bank loan.

2.6 Training: The entrepreneurs selected under the scheme would be provided training and other entrepreneurial development assistance by Government. Training is a compulsory input before disbursement of the loan under the scheme. This requirement may be waived if a borrower has already received the training from a registered NGO/VO or has learnt the activity such as cobblery, carpentry etc., or learnt the trade as an apprentice from Private/Public registered Body and requisite certificate to that effect is produced from the ULB or the private/public registered company as the case may be. However, training may not be insisted upon as a pre-condition for sanctioning of loan in respect of activities not requiring special skill.

2.7 Rate of Interest: Loans under the scheme will carry interest as per the directives on interest rates issued by Reserve Bank of India from time to time.

2.8 Defaulter: A defaulter to a bank/financial institution will not be eligible for assistance under the scheme.

2.9 Opening of Savings Bank Accounts by SHGs: Self-Help Groups (SHGs) are eligible to open Savings Bank Accounts as per the instructions contained in Circular DBOD.No.DIR.BC.11/13.01.08/98 dated February 10, 1998.

3. Administration of subsidy

3.1 Guidelines regarding administration of subsidy under the components of USEP and DWCUA of SJSRY are given in Annexure (I).

3.2  It should be noted that the subsidy under USEP/DWCUA component of SJSRY is to be treated as back-ended subsidy with lock-in-period of two years. The subsidy amount may be utilized / adjusted towards repayment of the loan at the time of maturity.  The subsidy admissible to the borrower should be kept in the Subsidy Reserve Fund Account borrower-wise, instead of in term-deposit in the name of borrower. Further it has been decided that no interest will be paid on the subsidy amount held by the banks and for the purpose of charging interest on loan amount the subsidy amount would be excluded therefrom.

3.3 While arriving at the project cost (including subsidy amount disbursed to the beneficiary), banks should make clear distinction between loan and subsidy component and the interest may be charged on the loan component. In the cases, where subsidy is not given (where beneficiaries are ineligible for assistance under the scheme), banks would be liable to return the subsidy amount to the Government of India.

3.4  As regards the treatment to be given to the subsidy portion, held back-ended, when the loan under SJSRY becomes bad / doubtful / long over due for repayment, it is clarified that the amount of subsidy may be adjusted against the defaulted loan only at the end of the transaction at the time of closure of the loan provided that

      (i) The loan becomes bad and doubtful of recovery in the circumstances beyond the control of banks

    (ii) The appraisal procedure for sanction and disbursement of loan, post-disbursement supervision etc. are carried out in accordance with the instructions issued by Head /Controlling Offices, and

    (iii) The loans are not misutilised. In case of misutilisation of loan, the subsidy is required to be refunded/ not to be claimed by banks.

3.5   The balance lying to the credit of Subsidy Reserve Fund Account will not form part of DTL for the purpose of CRR/SLR.

4.  Monitoring and Review

4.1 Monthly progress reports under the scheme may be furnished to RBI within 30 days from the close of the month to which it relates, as per proforma given in Annexure (II). The same format may also be used by bank branches/controlling/zonal offices for monitoring the implementation of the scheme.

4.2 The scheme will be monitored by the District Level Consultative Committee and the State Level Bankers' Committee at their periodical meetings.


ANNEXURE I

MASTER CIRCULAR
PRIORITY SECTOR LENDING
SPECIAL PROGRAMMES

Guidelines regarding Administration of Subsidy under the
Components of Urban Self-Employment through setting up of
Micro Enterprises and Development of Women and Children in
Urban Areas (DWCUA) of Swarna Jayanti Shahari Rozgar Yojana (SJSRY)

(Vide paragraph 3.1)

1. The subsidy amount received from the Central Government by each state level nodal agency/SUDA to be supplemented with the matching subsidy components from the State Government will be broadly distributed to the district level agencies/District Urban Development Agency (DUDA), in proportion to their population.

2. District Level Agency/DUDA will thereafter distribute the total subsidy amount amongst various Urban Local Bodies in the district in proportion to the population catered to by each Urban Local Body.

3. After Urban Local Body-wise allocation of subsidy for both the components is decided, the Urban Local Bodies shall open savings bank accounts captioned as under to which the allocated subsidy shall be credited:

(i) "(Mention the name of the Urban Local Body) Account - SJSRY - Subsidy for Urban Self Employment through setting up Micro Enterprises and Skill Development under Urban Self employment Programme (USEP)."

(ii) “(Mention the name of the Urban Local Body) Account - SJSRY - Subsidy for Development of Women and Children in Urban Areas (DWCUA), under  Urban Self Employment Programme (USEP)”.

4. Instructions regarding debits to be raised against the above mentioned accounts may be signed jointly by the Chairman of the Urban Local Body and its Chief Executive Officer. In case of a superseded Urban Local Body, the account may be operated by the Administrator/OSD/CEO of the Urban Local Body and one other officer.

5. The subsidy amount credited to the above mentioned accounts shall be released by the concerned banks along with the loan amounts. As such, no chequebook would be required to be issued to the Urban Local Bodies. The district Level Nodal Agency/DUDA may issue suitable instructions to the Managers of the various banks in the district, holding the above-mentioned accounts that no chequebooks are to be issued with reference to such accounts.

6. The banks in which the above-mentioned accounts are opened can be nationalised banks or scheduled banks.

7. Instructions relating to opening /operating of bank accounts are irrevocable and may not be altered /modified / changed / cancelled / withdrawn without written consent of Ministry of Urban Employment and Poverty Alleviation.

SWARNA JAYANTI SHAHARI ROZGAR YOJANA(SJSRY)

Name of the Bank :

Report showing the cumulative position for the quarter ended under the USEP component of SJSRY

Name of the State/Union Territories

Target

No.of applnsrecd.

  Total Loans sanctioned

  Total Loans disbursed

Total subsidy disbursed

Loans sanctioned to SC/ST out of total sanction

Loans disbursed to SC/ST out oftotal disbursement

Loans sanctioned to women out oftotal sanction

 

 

 

No.

Amt.

No.

Amt.

No.

Amt.

No.

Amt.

No.

Amt.

No.

Amt.

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

NORTHERN REGION

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Haryana

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Himachal Pradesh

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Jammu & Kashmir

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Punjab

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Rajasthan

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Chandigarh

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Delhi

 

 

 

 

 

 

 

 

 

 

 

 

 

 

NORTH EASTERN REGION

 

 

 

 

 

 

 

 

 

 

 

 

 

Assam

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Manipur

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Meghalaya

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nagaland

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tripura

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Arunachal Pradesh

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Mizoram

 

 

 

 

 

 

 

 

 

 

 

 

 

 

EASTERN REGION

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Bihar

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Jharkhand

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Orissa

 

 

 

 

 

 

 

 

 

 

 

 

 

 

West Bengal

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Andaman & Nicobar

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Sikkim

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CENTRAL REGION

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Chhatisgarh

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Madhya Pradesh

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Uttaranchal

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Uttar Pradesh

 

 

 

 

 

 

 

 

 

 

 

 

 

 

WESTERN REGION

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Gujarat

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Maharashtra

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Daman & Diu

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Goa

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Dadra & N.Haveli

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SOUTHERN REGION

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Andhra Pradesh

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Karnataka

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Kerala

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tamil Nadu

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Lakshadweep

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Puduchery

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ALL INDIA

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

*Col. 22= Col. 3-4-23

The progress report should be cumulative indicating the performance under the scheme from April to March  of the respective year.

 

 

**Col. 23= Col.3-4-22

 

 

 

 

 

 

 

 

 

10

 

 

 

 


Name of the Bank :

(Amount Rs.Lakhs)

Name of the State/Union Territories

Loans disbursed to women out of total disbursement

Loans anctioned to disabled out of total sanction

Loans isbursed to disabled out of total disbursement

Number of applns. pending

Number of applns. rejected

 

No.

Amt.

No.

Amt.

No.

Amt.

sanction

 

1

16

17

18

19

20

21

*22

**23

NORTHERN REGION

 

 

 

 

 

 

 

 

Haryana

 

 

 

 

 

 

 

 

Himachal Pradesh

 

 

 

 

 

 

 

 

Jammu & Kashmir

 

 

 

 

 

 

 

 

Punjab

 

 

 

 

 

 

 

 

Rajasthan

 

 

 

 

 

 

 

 

Chandigarh

 

 

 

 

 

 

 

 

Delhi

 

 

 

 

 

 

 

 

NORTH EASTERN REGION

 

 

 

 

 

 

 

Assam

 

 

 

 

 

 

 

 

Manipur

 

 

 

 

 

 

 

 

Meghalaya

 

 

 

 

 

 

 

 

Nagaland

 

 

 

 

 

 

 

 

Tripura

 

 

 

 

 

 

 

 

Arunachal Pradesh

 

 

 

 

 

 

 

 

Mizoram

 

 

 

 

 

 

 

 

EASTERN REGION

 

 

 

 

 

 

 

 

Bihar

 

 

 

 

 

 

 

 

Jharkhand

 

 

 

 

 

 

 

 

Orissa

 

 

 

 

 

 

 

 

West Bengal

 

 

 

 

 

 

 

 

Andaman & Nicobar

 

 

 

 

 

 

 

 

Sikkim

 

 

 

 

 

 

 

 

CENTRAL REGION

 

 

 

 

 

 

 

 

Chhatisgarh

 

 

 

 

 

 

 

 

Madhya Pradesh

 

 

 

 

 

 

 

 

Uttaranchal

 

 

 

 

 

 

 

 

Uttar Pradesh

 

 

 

 

 

 

 

 

WESTERN REGION

 

 

 

 

 

 

 

 

Gujarat

 

 

 

 

 

 

 

 

Maharashtra

 

 

 

 

 

 

 

 

Daman & Diu

 

 

 

 

 

 

 

 

Goa

 

 

 

 

 

 

 

 

Dadra & N.Haveli

 

 

 

 

 

 

 

 

SOUTHERN REGION

 

 

 

 

 

 

 

 

Andhra Pradesh

 

 

 

 

 

 

 

 

Karnataka

 

 

 

 

 

 

 

 

Kerala

 

 

 

 

 

 

 

 

Tamil Nadu

 

 

 

 

 

 

 

 

Lakshadweep

 

 

 

 

 

 

 

 

Puduchery

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ALL INDIA                
                 
*Col. 22= Col. 3-4-23                
**Col. 23= Col.3-4-22                

Report showing the cumulative position for the quarter ended under the DWCUA component of SJSRY

Name of the Bank

( Amount in Rs. Lakhs)

Name of the State/ Union Territories

DWCUA Number of appls. received

  DWCUA Sanctioned

  DWCUA Disbursed

 

DWCUA

DWCUA Number of appls. pending

DWCUA Number of applns. rejected

 

 

 

 

 

Loan

Subsidy

No.of Groups

Total Memb.

Amt. sanctioned

No.of Groups

Total Memb.

amount disbursed

amount disbursed

 

24

25

26

27

28

29

30

31

*32

**33

NORTHERN REGION

 

 

 

 

 

 

 

 

 

 

Haryana

 

 

 

 

 

 

 

 

 

 

Himachal Pradesh

 

 

 

 

 

 

 

 

 

 

Jammu & Kashmir

 

 

 

 

 

 

 

 

 

 

Punjab

 

 

 

 

 

 

 

 

 

 

Rajasthan

 

 

 

 

 

 

 

 

 

 

Chandigarh

 

 

 

 

 

 

 

 

 

 

Delhi

 

 

 

 

 

 

 

 

 

 

NORTH EASTERN REGION

 

 

 

 

 

 

 

 

 

 

Assam

 

 

 

 

 

 

 

 

 

 

Manipur

 

 

 

 

 

 

 

 

 

 

Meghalaya

 

 

 

 

 

 

 

 

 

 

Nagaland

 

 

 

 

 

 

 

 

 

 

Tripura

 

 

 

 

 

 

 

 

 

 

Arunachal Pradesh

 

 

 

 

 

 

 

 

 

 

Mizoram

 

 

 

 

 

 

 

 

 

 

EASTERN REGION

 

 

 

 

 

 

 

 

 

 

Bihar

 

 

 

 

 

 

 

 

 

 

Jharkhand

 

 

 

 

 

 

 

 

 

 

Orissa

 

 

 

 

 

 

 

 

 

 

West Bengal

 

 

 

 

 

 

 

 

 

 

Andaman & Nicobar

 

 

 

 

 

 

 

 

 

 

Sikkim

 

 

 

 

 

 

 

 

 

 

CENTRAL REGION

 

 

 

 

 

 

 

 

 

 

Chhatisgarh

 

 

 

 

 

 

 

 

 

 

Madhya Pradesh

 

 

 

 

 

 

 

 

 

 

Uttaranchal

 

 

 

 

 

 

 

 

 

 

Uttar Pradesh

 

 

 

 

 

 

 

 

 

 

WESTERN REGION

 

 

 

 

 

 

 

 

 

 

Gujarat

 

 

 

 

 

 

 

 

 

 

Maharashtra

 

 

 

 

 

 

 

 

 

 

Daman & Diu

 

 

 

 

 

 

 

 

 

 

Goa

 

 

 

 

 

 

 

 

 

 

Dadra & N.Haveli

 

 

 

 

 

 

 

 

 

 

SOUTHERN REGION

 

 

 

 

 

 

 

 

 

 

Andhra Pradesh

 

 

 

 

 

 

 

 

 

 

Karnataka

 

 

 

 

 

 

 

 

 

 

Kerala

 

 

 

 

 

 

 

 

 

 

Tamil Nadu

 

 

 

 

 

 

 

 

 

 

Lakshadweep

 

 

 

 

 

 

 

 

 

 

Puducherry

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ALL INDIA

 

 

 

 

 

 

 

 

 

 

Annexure-II

RECOVERY POSITION (CUMULATIVE) UNDER SJSRY FOR THE HALF/YEAR ENDED  SEPT/MARCH

 

DEMAND

RECOVERY

OVERDUES

% 2 TO 1

DEMAND

RECOVERY

OVERDUES

% 2 TO 1

 

1

2

3

4

1

2

3

4

NORTHERN REGION

 

 

 

 

 

 

 

 

Haryana

 

 

 

 

 

 

 

 

Himachal Pradesh

 

 

 

 

 

 

 

 

Jammu & Kashmir

 

 

 

 

 

 

 

 

Punjab

 

 

 

 

 

 

 

 

Rajasthan

 

 

 

 

 

 

 

 

Chandigarh

 

 

 

 

 

 

 

 

Delhi

 

 

 

 

 

 

 

 

NORTH EASTERN REGION

 

 

 

 

 

 

 

 

Assam

 

 

 

 

 

 

 

 

Manipur

 

 

 

 

 

 

 

 

Meghalaya

 

 

 

 

 

 

 

 

Nagaland

 

 

 

 

 

 

 

 

Tripura

 

 

 

 

 

 

 

 

Arunachal Pradesh

 

 

 

 

 

 

 

 

Mizoram

 

 

 

 

 

 

 

 

EASTERN REGION

 

 

 

 

 

 

 

 

Bihar

 

 

 

 

 

 

 

 

Jharkhand

 

 

 

 

 

 

 

 

Orissa

 

 

 

 

 

 

 

 

West Bengal

 

 

 

 

 

 

 

 

Andaman & Nicobar

 

 

 

 

 

 

 

 

Sikkim

 

 

 

 

 

 

 

 

CENTRAL REGION

 

 

 

 

 

 

 

 

Chhatisgarh

 

 

 

 

 

 

 

 

Madhya Pradesh

 

 

 

 

 

 

 

 

Uttaranchal

 

 

 

 

 

 

 

 

Uttar Pradesh

 

 

 

 

 

 

 

 

WESTERN REGION

 

 

 

 

 

 

 

 

Gujarat

 

 

 

 

 

 

 

 

Maharashtra

 

 

 

 

 

 

 

 

Daman & Diu

 

 

 

 

 

 

 

 

Goa

 

 

 

 

 

 

 

 

Dadra & N.Haveli

 

 

 

 

 

 

 

 

SOUTHERN REGION

 

 

 

 

 

 

 

 

Andhra Pradesh

 

 

 

 

 

 

 

 

Karnataka

 

 

 

 

 

 

 

 

Kerala

 

 

 

 

 

 

 

 

Tamil Nadu

 

 

 

 

 

 

 

 

Lakshadweep

 

 

 

 

 

 

 

 

Puduchery

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ALL INDIA TOTAL

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ANNEXURE III

List of circulars that have been consolidated by Master Circular

No.

Circular No.

Date

Subject

1

RPCD.SP.BC.52/09.16.01/97-98

17-11-1997

Swarna Jayanti Shahari Rozgar Yojana (SJSRY)

2

RPCD.SP.BC.54/09.16.01/97-98

25-11-1997

Swarna Jayanti Shahari Rozgar Yojana (SJSRY)

3

RPCD.SP.BC.96/09.16.01/97-98

02-03-1998

Swarna Jayanti Shahari Rozgar Yojana (SJSRY)

4

RPCD.SP.BC.115/09.16.01/97-98

05-05-1998

Swarna Jayanti Shahari Rozgar Yojana (SJSRY)

5

RPCD.SP.BC.5/09.16.01/98-99

08-07-1998

Swarna Jayanti Shahari Rozgar Yojana (SJSRY) - Fixation of Physical Targets

6

RPCD.SP.BC.6/09.16.01/98-99

18-07-1988

Swarna Jayanti Shahari Rozgar Yojana (SJSRY) - Clarifications

7

RPCD.SP.BC.100/09.16.01/98-99

29-05-1999

Implementation of SJSRY

8

RPCD.SP.BC.69/09.16.01/99-2000

14-03-2000

Swarna Jayanti Shahari Rozgar Yojana (SJSRY) - Implementation

9

RPCD.SP.BC.33/09.16.01/2000-01

04-11-2000

Government Sponsored Programmes - Insistence of Collateral Security by Banks

10

RPCD.SP.BC.37/09.16.01/2000-01

24-11-2000

Swarna Jayanti Shahari Rozgar Yojana (SJSRY) - Implementation

11

RPCD.SP.BC.54/09.16.01/2000-01

12-02-2001

Reporting system on progress under Swarna Jayanti Shahari Rozgar Yojana (SJSRY)

12

RPCD.SP.BC.58/09.16.01/2000-01

26-02-2001

Swarna Jayanti Shahari Rozgar Yojana (SJSRY) - Prior training for taking up self-employment activities under SJSY

13

RPCD.SP.BC.27/09.16.01/2001-02

21-09-2001

Reporting System on progress under SJSRY

14

RPCD.SP.BC.38/09.04.01/2001-02

12-11-2001

Performance of Private Sector Banks - Government Sponsored Schemes.

15

RPCD.SP.BC.66/09.16.01/2002-03

07-03-2002

Accounting of subsidy amount under SJSRY

16

RPCD.PLNFS.BC.73/09.04.01/2001-02

2-4-2002

Obtention of 'No Due Certificate' - Lending under Government Sponsored Schemes.

17

RPCD.SP.BC.116/09.16.01/2002-03

15-07-2002

Exchange of information - Loan and subsidy under Urban Self Employment Programme (USEP) - Swarna Jayanti Shahari Rozgar Yojana (SJSRY)

18

RPCD.No.SP.BC.50/09.16.01/2002-03

4-12-2002

Implementation of SJSRY

19

RPCD.No.SP.BC.05/09.16.01/2003-04

7-7-2003

Exchange of information - Loan and subsidy under Urban Self Employment Programme (USEP) - Component of Swarna Jayanti Shahari Rozgar Yojana (SJSRY)

20

RPCD.No.SP.BC.72/09.01.01/2003-04

25-03-2004

Change in periodicity of returns

21

RPCD.No.SP.BC.80/09.16.01/2003-04

08-05-2004

Bad and Doubtful loans under SJSRY- Adjustment
of subsidy amount

22

RPCD.No.SP.BC.06/09.16.01/2004-05

17-07-2004

SJSRY-Administration and adjustment of back-ended subsidy-Payment of interest on subsidy portion

 
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