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1.Role of Tripura Gramin Bank
in financing various Government Sponsored Programme
and other special programme
The Bank has involved itself fully in
implementation of different Government Sponsored
Programme and other special lending schemes during
the reporting year with its limited resources even
though the Bank has been exempted from its service
The Bank has been playing a
pivotal role in the implementation of the Margin
Money Scheme under FINANCIAL INCLUSION, SGSY scheme and KCC Scheme
and specially in the promotion of SHG movement in
The Bank has made a fresh disbursal target during
the financial year 2013-2014 of Rs.746.06 crore
covering at least 112493 new borrowal accounts
including 43729 KCCs, credit linkage of 1614 SHGs,
2237 General Credit Cads ( GCCs ) and Agricultureal
sectors amounting to Rs.301.93 crore, loan to Small
& Medium Enterprises ( MSME ) amounting to Rs.136.36
crore, Housing loan amounting to Rs.171.94 crore,
The Bank has attached priority in financing the
Target group, scheduled castes, scheduled tribes,
Minority Communities and small and marginal farmers
and Agricultural Labourers.
3. Kisan Credit Card (KCC)
The Bank has been giving top most priority on
implementation of KCC Scheme through all its
Branches to bring maximum number of farmers within
the ambit of this programme for ensuring timely and
hassle free credit dispensation. The total number of
KCC issued by the bank since inceptions is 186463
Nos. with over all credit limit of Rs. 288.65 Crore.
Agri. & Allied
4. Income Recognition and
The Assets of the Bank were classified properly
following prudential norms of accounting prescribed
by the Reserve Bank of India. The standard assets
(performing loans and advances) of the Bank
increased to Rs. 14232778 thousand at the end of the
year,2013-2014 which constitutes 95.59 % of gross
loans and advances.
The Bank provided requisite
amount for provision as per category of assets in
compliance to provisioning norms of RBI.
Statutory Auditors being satisfied have also
certified the classification of Assets, Income
Recognition and Provision made by the Bank.
5. Credit Delivery under SGSY
The Bank was exempted from Service Area
Obligation for the year 2013-2014 by the Reserve
Bank of India. But considering the credit need of
downtrodden rural people, the Bank provided credit
under SGSY scheme to the Self Help Groups (SHG).
Total cumulative No. of SHG stood at 24534 Nos with
TGB. Out of 24534 Nos. of SHGs 15643 Nos. are women
groups. 14225 Nos. of SHGs have been credit linked
by the bank directly up to the end of the reporting
year with total credit limit of Rs.86.63 Crore.
6. Financial Inclusion
The essence of financial inclusion is to ensure that
a range of appropriate financial service is made available to every individual
and enabling them to understand and to have access to those services. National
Rural Financial Inclusion Plan (NRFIP) envisages a target to provide access to
comprehensive financial services to at least 50% of rural cultivators and non
The bank pledges its commitment to carry out its
responsibility, keeping in mind with the policy of the Government, to include
marginal farmers, landless labourers, oral lessees, self employed and
unorganized sector enterprises, ethnic minorities and socially excluded groups,
senior citizens and women into the fold of various financial services offered by
it. As a mark of commitment at all the branches of the bank during the reporting
period a number of initiatives have been taken. The performance of the bank
under various financial services offered by it are given hereunder.
Total No. of FI
Village in Tripura
Out of Total FI
Total No. of BC
Engage in TGB
Total No. of A/c
opened under FI
7. Significant Developments
Reserve Bank of India has
kindly permitted us for installation of a Currency Chest at Agartala.
On the recommendation of
the State Government the Reserve Bank of India has kindly permitted to undertake
Government Treasury function in 2 Subdivision Head Quarter namely Bishalgarh and
Gandacherra as Sub agent of the Sponsor Bank.
We were first Bank in
Eastern India to migrate all its branches to CBS and again we are the first in
Eastern India to complete in migrating to CBS in all sponsored Regional Rural
Bank of United Bank of India, well ahead of RBI deadline of 30th September 2011.
Tripura Gramin Bank was one
of the first Regional Rural Bank in India to successfully implement payment
through Aadhaar Enabled payment System under National Payments Corporation of
India (NPCI) which was inaugurated by Honble Union Finance Minister and UPA
Chairperson from Rajasthan .Tripura Gramin Bank has also implemented Aadhaar
Payment Bridge System ( APBS ) through National Automated Clearing House (NPCI)
on 19th Jan 2013 as both Sponsor Bank and Destination Bank.
Tripura Gramin Bank were
the first RRB in Eastern India to successfully implemented the ATM Card service
through RuPay ATM-cum-Debit Card on 9th May 2013 at our Agartala Branch.
Tripura Gramin Bank were
the first RRB in Eastern India to successfully implemented the TGB Own ATM
service through RuPay ATM-cum-Debit Card on 9th September 2014 at our Ambassa
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