Malda District at a Glance  Total Population lakhs (census 2011)  52% minority population;  86.42% rural population  Economy : Rural agrarian  Subdivision – 2,  Blocks – 15,  Municipalities – 2,  Police Station – 12,  Gram Panchayat – 146  Total No Of Bank Branches: 230  Urban - 45,  Semi Urban - 7,  Rural – 178  No Of Unbank GP- 27  No. of Active Bank Mitras – 587

ParticularsCommercial BankRRB & DCCBALL Bank Rural Semi-Urban Urban00 Total Branch Currency Chest Branch Treasury Functioning Branch ATM Of which Rural Site ATM Urban Site ATM Banking Profile of Malda District

Name of the Block Total no. of accounts Out of which opened by minority community Account opened under PMJDY as on Out of which opened by minority community Account opened by Female Gazole Chanchal-I Chanchal-II Habibpur Bamangola Old Malda English Bazar Kaliachak-I Kaliachak-II Kaliachak-III Manikchak H.C.Pur-I H.C.Pur-II Ratua-I Ratua-II Englishbazar Municipality OLD Malda Municipality Total Performance under PMJDY Total number of account as on : 10,74,018 Rural: 9,98,237Urban: 75,781 Blockwise distribution of accounts : Video of Account opening

Malda vis-a-vis West Bengal State/DistrictPMJDY a/c in nos. West Bengal1,82,14,190 Malda District10,74,018 State /DistrictAmount (in Rs.) West Bengal Total amount under PMJDY4321,73,10,247 Malda total amount182,79,30,414

Total PMJDY a/c10,74,018 Malda Aadhar seeding a/c3,03,714 Rupay card and Aadhar Seeding at Malda District Total PMJDY a/c10,74,018 Malda Rupay Card6,79,163 State /DistrictA/c in Nos. Total PMJDY a/c10, Zero Balance in Malda1,81,714

Bank A/C proportion at Malda Total PMJDY a/c at Malda10,74,018 PMJDY Minority5,69,565 Total PMJDY a/c at Malda10,74,018 Female a/c4,41,329 Malda Total S/B Ac34,59,540 Total Minority a/c18,76,522

Initiatives at Malda for promotion of PMJDY 1. Promotion of PMJDY through GAMBHIRA (Local Folk dance) GAMBHIRA a unique folk dance of Malda district has been chosen for promotion of PMJDY scheme and to increase the account opening under PMJDY

Initiatives at Malda for promotion of PMJDY 2. Promotion of PMJDY with Sanitation Fair Nirmal Utsav under Sanitation Campaign celebrated at different Gram panchyat and used to promote PMJDY schemes Nirmal Utsav in Twitter Nirmal Utsav Celebration at Najirpur GP of Manikchak Block Bank Stall at Nirmal Utsav Nirmal Utsav Celebration at Birnagar –II GP of Kaliachak-III Block Passbook and Rupay Card Distribution at Nirmal Utsav at Raniganj-I, Gazole Passbook and Rupay Card Distribution at Raniganj-I, Gazole

Initiatives at Malda for promotion of PMJDY 3. Promotion of PMJDY with Self Help Group Self Help Groups are involved for promotion of PMJDY account opening and awareness generated for benefits of Rupay Card and insurance benefits and OD facilities. Meeting with SHGs, and Officials towards promotion and awareness of PMJDY Meeting of SHG members

SchemesPMSBYPMJJBY Total1,98,62989,645 Micro Insuarance Position of micro insurance (PMSBY and PMJJBY) 1.1 Efforts done to promote awareness for Accident Insurance coverage: Sensitization Programmes (3 Nos.) for marketing of micro insurance plan have been conducted for Bank officials and Bank Mitras throughout the district Awareness camp among general public in general and particularly for women have been done with the help of 8 no. of FLCCs and self help groups, 8 FLCCs conducted 83 financial literacy and credit counselling camp to impart financial literacy, particularly importance of opening of bank account, Atal Pension Yojona, in different places of Malda district ; and 8,107 people participated. Awareness also done by bank branches through personal contact with their customers (2,218 nos.), leaflets, flex with comprehensive details of scheme etc. Incentive schemes for Micro insurance for Bank Mitras has been introduced to cover more people under the fold of Micro insurance. Total 12 claims submitted under PMJJBY and 3 cases already settled District Level, Block level and GP level meeting with SHGs are done regularly with an specific agenda point on PMJDY Sensitization Programmes for marketing of micro insurance plan Video of Interview for claim settlement

1.2 Efforts done for Rupay Card activation Awareness Camp at Municipalities and all Blocks particularly benefits available under active Rupay Cards Some of the banks are introduced incentive schemes for Bank Mitras for activation of Rupay card Awareness at different Melas

1.3 How are the services of Bank Mitras in terms of availability, proper device used and daily transactions 587 Bank Mitras throughout the district are working at a fixed point location with hand hold device as per time norms of RBI Devices are working properly with Mobile Internet facilities Daily transactions of Bankmitras are satisfactory and in an average of 92 nos./day excepting 30 Bankmitras Video of Interview on account opening

1.4 Reduction of Zero balance accounts Awareness Camp organized thorough FLCCs to convert the account zero to balance 39,826 accounts has been converted to zero to balance during last one month Till date the district has 1,81,714 zero balance accounts exists out of total 10,74,018 PMJDY accounts. Involvement of Panchayat Bodies, and Local Club and associations Awareness for no benefit of Over draft facilities under PMJDY scheme and accidental insurance coverage available under Rupay card for zero balance and dormant accounts through folk song & dance. Awareness thorough Folk dance (Gambhira)

1.5 Reduction of Zero balance accounts for women Involvement of Self Help Groups ( groups, Panchayat Bodies, and Local Club and associations Involvement of Anganwadi workers (5,276 Nos.), ASHA workers (2,547 Nos.) Lady Gram Sevikas (12 Nos. ) and WDO ( 1 No.) are involved in awareness process in reduction of zero balance accounts with the help of Self help groups

1.6 Efforts in implementing in difficult geographical terrain and BPL number Bank mitras are engaged exclusively for difficult geographical terrain like Bhutni Chak at Manik Chak Block, and Par Deonapur at Kaliachak-III Block Proposals are also under consideration for Mobile bank Mitra in difficult geographical terrain (scattered villages) for providing basic banking services

1.7 Number of Aadahar seeding done and efforts made for the same Sensitization programme for seeding of Aadhar Card in customer accounts for Branch machinery and Bankmitras have been done Awareness of customers are done through Flex, Festoons, leaflets, videos, personal contacts over mobile phone calls and SMSs Incentive of Rs. 1-3 for Bank mitras per Aadhar Number seeding has been introduced by almost all the Banks Out of 10,74,018 saving accounts under PMJDY 3,03,714 accounts have already been Aadhar number seeded.

1.8 What improvements would you suggest Awareness and technological know how to the customers for Mobile Banking may ease the process of banking as the customer operate by his own hands.Seeding of mobile no. in accounts be made mandatory, if available. Pass book printing machines and other infrastructure are not provided by all the banks at their customer service point, it should be provided to all CSP points so that customers get their passbook updated and accordingly their level of confidence will be increased. Service center for maintenance of equipments must be available at the doorstep of CSPs. More incentive schemes should be introduced for Bank Mitras as well as Field level workers of State Government e.g. Anganwary workers, Asha Workers etc for wide publicity of PMJDY Scheme in the remote villages (activation of zero balance accounts, activation of Rupay Card) and implementation of the scheme in its true spirit. The issues related to regular payment of remunerations/incentives of the Bank Mitras are to be taken care of to motivate the Bank Mitras achieving targeted goal. Local Officials of network service providers may be invited in DCC to resolve the connectivity related issues at Customer Service Points of Bank Mitras. Comprehensive Training to be imparted to the Bank Mitras for marketing of Banking Products, micro insurance products and pension products particularly in rural areas. Amount of withdrawals and deposit per transaction at the CSP point must be revised keeping in view the need of the customers and economic value of money. Remote villages where print media and electronic media are not available properly, more involvement of local bodies like panchayet, clubs, shangha and group of NRLM, schools should be increased for wide publicity of PMJDY scheme.

2.1 Innovations introduced in implementataion of the programme to achieve the objectives Awareness Camp involving PRI Bodies, SHGs, Local Club and Institutions of that area Local Officials of network service providers invited in DCC to resolve the connectivity related issues at Customer Service Points of Bank Mitras. Local bodies like Panchayet, Clubs, Shangha and SHG group of NRLM, schools are involved for wide publicity of PMJDY scheme in the Remote villages where print media and electronic media are not effective. 2.2 Bringing perceptible improvements in systems/institutions for achieving the scheme goals Regular visit of CSP points by Bank Officials, RBI Officials, Administrative Officials with an emphasize on customer service CSP points setup in remote villages where space is scare and we allotted space in Gram Panchayet to setup CSPs.

2.3 Making Public delivery systems efficient and corruption free Joint Inspection to CSP points are done to observe that whether CSPs are working as per the guidelines framed by RBI 2.4 Innovation & adaption to meet stake holders’/citizens’ requirement In difficult geographic terrain mobile CSP points have been introduced to provide better services to the customers Split working hours have been introduced for Bank Mitras at the difficult areas and the areas with concentration of daily labours and agriculturist are very high Publicity of PMSBY and PMJJBY are done at night hours in the villages when most of the perspective customers are available

2.5 Extraordinary performance on any mater related to programme implementation Wide publicity gas been given to PMJDY in remote villages using field level functionaries of Government of West Bengal for example Anganwary workers and Asha workers, local educational institutions and gram panchayets. Security arrangements have been made by the District administration where split working hours introduced and criminal activity prone areas. District administration started conducting meetings with CSPs and Banks to implement the programme. 2.6 Setting High Standrads of Services & continued improvement for implementation of the programme in the district District administration is vigilant on the activities of Bank Mitras to prevent any untoward incident and customers also advised (by display of notice) to bring to the notice of the bank and the district administration of any untoward incident if happened. Banker are advice to impart adequate training frequently to the bank mitras to keep them updated with the development occurred in banking industry for betterment of services rendered by them.

2.7 Systemic changes leading to lasting improvement in Governance with regard to implementation approach, strategy and methodology Banker are advice to impart adequate training frequently to the bank mitras and use up-to-date technology to cope up the demand of the customers using latest technology at per with Bank branches. 2.8 Examples of beneficial effects brought about in allied areas due to the successful implementation of the programme In Malda District migration of laborers to north India and South India is very common and they use the traditional hundi system for remittance to their families causing delayed in payment, But at present having account in the PMJDY they are sending remittance to their families prompt and safely. Opening of accounts under PMJDY creates saving habit and less dependence on Mahajani system of lending. Some account holders got overdraft facilities in their OD accounts observing the laid down norms and started business with the said loan and earned more.

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