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Minority Welfare
PM's 15 POINT PROGRAM
Features
PM's 15 Point Program for the Welfare of Minorities
 
PREAMBLE :-

Government of India has recently launched the 'Prime Minister's New 15 Point Programme for the Welfare of Minorities' to ensure that the beneficiaries from Minority Communities get a fair share of Bank credit under various Government sponsored schemes as well as other Priority Sector Lending.

An important objective of the programme is to ensure that the appropriate percentage of the Priority Sector Lending is targeted for the Minority Communities and the benefits of the various Government sponsored schemes for the under privileged reach the disadvantaged sections of the Minority Communities.


The target group of the programme consists of the following communities notified as Minority Communities by the Government of India, Ministry of Welfare viz.
a. Muslims,
b. Christians,
c. Sikhs,
d. Buddhists and
e. Zoroastrians (Parsis)
f. Jainism

The programme covers 121 districts of the country where population of Minority Communities is concentrated.

 

 
ROAD MAP TO ACHIEVE TARGETED LEVEL OF 15% BY 2016 :-

Union Bank of India as a leading Nationalised Bank of the country has a widespread network of 4078 branches throughout the country and has already commenced initiatives to enlarge our financial exposure to Minority Communities.

To step up Priority Sector Lending to Minorities Bank has prepared a Roadmap to achieve the targeted level of 15% of Priority Sector Advances to Minority Communities by 2016. Present status of lending to Minority Communities is Rs.10482 crores as of Mar-2015 (11.99%) and our Bank has planned to reach the projected level of Rs.15000 crores by 2016, which will meet the stipulated requirement of 15% of Priority Sector Advances.

 
UNION BANK'S INITIATIVES :-

To reach the above targeted level following initiatives have been taken by our Bank:

  • A special cell has been set up at Corporate level to monitor the flow of credit under Priority Sector to Minority Communities and also to address their problems.

    Shri K.R. Jaiprakash, Asst.General Manager, Rural & Agri Business Department has been appointed as Officer-In charge of the Special Cell. Contact numbers/ E-mail address is as under-
    Tel. 022-22896554 Fax:022-22811694
    E-mail: kr.jayaprakash@unionbankofindia.com
  • Lending to Minority Communities is being monitored on regular basis in the 121 Minority Dominated Districts and 338 identified towns. As of Mar-2015 Rs.10482 crores has been financed under Priority Sector to specified Minority Communities covering 4.49 lac beneficiaries, out of which 183209 beneficiaries have been covered with credit exposure of Rs.4524.08 crores in the identified 121 Minority Concentration Districts.
  • Our Bank is having 1072 branches in 121 Minority Concentration Districts/Towns/Cities as of 31.03.2015
  • Adequate publicity is being given by our Bank in 121 Minority Concentrated Districts of the various deposit and loan products of the Bank
  • Our Bank has lead responsibility in 14 districts in 4 States viz. 7 in Uttar Pradesh, 2 in Bihar, 3 in Madhya Pradesh and 2 in Kerala and the respective Lead District Managers are playing a prominent role in enhancing lending to Minority Communities. Our 2 Lead Districts in Kerala i.e. Ernakulam and Idukki are Minority Concentrated Districts
  • Our Bank has also opened 26 Financial Literacy Credit Couseling Centres (FLCC) in our Lead Districts of which 8 FLCCs are in Ernakulam & Idukki Districts which are minority concentrated districts where financial literacy and financial education is imparted free of cost.
 
AVAILABLE LOAN PRODUCTS :-

Our Bank has a basket of various need based/tailor made deposit/loan products to cater to individual needs such as Retail Loans, Housing Loans, Education Loans, Agricultural Loans, Loans for Small Business, Loans to Traders, Loans to Self Employed etc.

 

SPECIAL SCHEMES 

Loans are being provided for gainful employment under various Government sponsored schemes viz. National Rural Livelihood Mission (NRLM), National Urban Livelihood Mission (NULM), Self Employment Scheme for Rehabilitation of Manual Scavengers (SRMS), Prime Minister Rural Employment Generation Programme (PMEGP), Differential Rate of Interest scheme (DRI) etc.


SUPPORT FOR AGRICULTURE/FARM SECTOR

Under Farm sector, assistance is available for poultry/dairy development, production credit, farm mechanization, minor irrigation, land development, purchase of land, etc

 
TRAINING NEEDS:-

Our Bank has established 14 Rural Development and Self Employment Training Institutes (R-Seti) in our Lead Districts viz. Ernakulam and Idukki (Kerala), Varanasi, Mau, Azamgarh, Ghazipur, Jaunpur, Bhadohi, Chandauli (Uttar Pradesh), Samastipur, Khagaria (Bihar) and Rewa, Sidhi, Singrauli (Madhya Pradesh) and a Rural Development Foundation at Alibaug (Maharashtra) to impart training for skill upgradation as well as provide consultancy services to take up self employment ventures

 
ACCESS TO DETAILS OF LOAN SCHEMES :-

The details of the available schemes for Deposits and Loans are given overleaf and can be viewed by accessing our Bank's Website at www.unionbankofindia.co.in.

 

Retail Deposit Schemes

  • Union Classic Current Account : Offers a host of value added services. 
  • Multi-City Cheque Facility : Helps the customer to withdraw funds or make payments to others at different centres. 
  • Multi Gain Saving Account : Offers a host of value added services. 
  • Union Flexi Deposit : Offers Term Deposit Interest Rates on Savings Account & even on a Current Deposit Account. 
  • Deposit Reinvestment Certificate : Deposit where interest is compounded quarterly. 
  • Senior Citizen Scheme : For higher interest rate to Senior Citizens. 
  • Union Insured Recurring Deposit : Recurring Deposit with Life Insurance. 
  • Money Multiplier Deposit Scheme : Fixed Deposit with higher returns and option of Life Insurance. 
  • Cumulative Deposit Scheme : Save in easy installments over a fixed period to accumulate into a lumpsum. 
  • Fixed Deposit Scheme : Interest payable monthly/quarterly/half yearly as desired.
  • Union Monthly Plus Scheme: Offers cumulative deposits with flexibility to deposit in monthly instalment by way of step up and step down options

    Retail Lending Schemes
  • Union Home : For purchase / repairs of flat / house, construction of house. 
  • Union Trade : Facility for easy finance to Wholesale/Retail Traders. 
  • Union Miles : For purchase of vehicle for personal/professional use. 
  • Union Education : An ideal education loan for students. 
  • Union Share : Loan against shares / debentures / bonds. 
  • Union Top-up Loan : Loan to existing home loan borrowers to the extent of 50% of the amount repaid. 
  • Union Smile : To meet unforeseen expenses of salaried class / pensioners. 
  • Union Mortgage : Loan for personal needs against mortgage of property.
  • Union Health : Loan scheme for Medical Practitioners. 
  • Union Reverse Mortgage : Loan Scheme for Senior Citizen. 
  • Union Cash : Loan scheme for Pensioners. 

    Priority Sector Lending Schemes
  • Union Green Card : Short term/medium term loans for cultivation of crops, purchase of agricultural equipments and allied activities.
  • Loans for purchase of Tractors / Power Tillers. 
  • Minor Irrigation : Loans for sinking / repair of wells / borewells / tubewells / pump sets / electric motors / pipelines. 
  • Loans for Floriculture. 
  • Union White Card : Loans for purchase of milch cattle/Dairy operators. 
  • Poultry : Loans for purchase of birds, construction of shed and mainteance expenses. 
  • Agricultural Loan : For purchase of land for small / marginal farmers. 
  • Loans against gold ornaments for agriculture purpose. 
  • Advance to SSI units for acquiring fixed assets, machineries and working capital. 
  • Loans for Small Road and Water Transport Operators for purchase of vehicles / vessels. 
  • Retail Trade : Loans for retail traders. 
  • SHGs : Loans for Self Help,NGOs, Micro Finance Institutions.
  • Social Infrastructure: Financing for construction of School, Health Care Facilities, Drinking Water Facilities, Sanitation Facilities in Tier II to Tier VII centres.
  • Renewable Energy : Financing for purposes like Solar based power generator, Biomass based power generator, wind mills, micro hydel pumps and for non conventional base public utilities like street lighting system and remote village electrification.
LIST OF IDENTIFIED 121 MINORITY CONCENTRATION DISTRICTS
 
 
SR. DISTRICT SR. DISTRICT SR. DIST SR. DISTRICT
NO.

 

NO.

 

NO.

 

NO.

 

ANDAMANS DELHI MADHYA PRADESH UTTAR 
PRA
DESH

1

NICOBARS

31

CENTRAL

60

BHOPAL

 

87 RAMPUR

2

ANDAMANS

32

NORTH EAST MAHARASHTRA

88

BIJNOR
ANDHRA PRADESH GOA

61

AKOLA

89

MORA
DABAD

3

HYDERABAD

33

SOUTH GOA

62

MUMBAI

90

SAHA
RANPUR

 

 

HARYANA

63

AURANGABAD

91

MUZA
FFARNAGAR
ARUNACHAL PRADESH

34

GURGAON

64

MUMBAI(SUBURBAN)

92

MEERUT

4

TAWANG

35

SIRSA

65

AMRAVATI

93

BAHRAICH

5

CHANGLANG HIMACHAL PRADESH

66

BULDANA

94

BALRAM
PUR

6

TIRAP

36

LAHUL & SPITI

67

PARBHANI

95

GAZIABAD

7

WEST KAMENG

37

KINNAUR

68

WASIM

96

PILIBHIT

8

PARAM PARE JAMMU & KASHMIR

69

HINGOLI

97

BAREILLI

9

LOWER SUBANSIN

38

LEH (LADAKH) MANIPUR

98

SIDDAR
THNAGAR

10

EAST KAMENG JHARKHAND

70

TAMENGLONG

 

99

SHRA WASTI

 

 

39

PAKAUR

71

UKHRUL

 

100

JYOTIBA PHULE NAGAR
ASSAM

40

SAHIBGANJ

72

CHURA
CHANDPUR

 

101

BAGHPAT

11

DHUBRI

41

GUMLA

73

CHANDEL

 

102

BULAND
SHAHAR

12

GOALPARA

42

RANCHI

74

SENAPATI

 

103

SHAHJ
AHNPUR

13

BARPETA KARNATAKA

75

THOUBAL

 

104

BADAUN

14

HAILAKANDI

43

DAKSHINA KANNADA MEGHALAYA

105

BARA
BANKI

15

KARIMGANJ

44

BIDAR

76

WEST GARO HILL

106

KHERI

16

NAGAON

45

GULBARGA MIZORAM

107

LUC
KNOW

17

MARIGAON

 

 

77

LAWNGTLAI

UTTARANCHAL

18

DARRANG

KERALA

78

MAMIT

108

HARIDWAR

19

BONGAIGAON

46

MALAPPURAM

ORISSA

109

UDHAMSINGH NAGAR

20

CACHAR

47

ERNAKULAM

79

GAJAPATI

WEST BENGAL

21

KOKRAJHAR

48

KOTTAYAM

PONDICHERRY

110

MURSHIABAD

22

NORTH CACHAR 
HILLS

49

IDUKKI

80

MAHE

111

MALDAH

23

KAMRUP

50

WAYANAD

RAJASTHAN

112

UTTAR DINAJPUR

 

 

51

PATHANAM
THITTA

81

GANGANAGAR

113

BIRBHUM

BIHAR

52

KOZHIKODE

SIKKIM

114

SOUTH 24 PARGANAS

24

KISHANGANJ

53

KASARAGOD

82

NORTH

115

NADIA

25

KATHIAR

54

THRISSUR

83

SOUTH

116

DAKSHI 
DINAJPUR

26

ARARIA

55

KANNUR

84

EAST

117

HAPRAH

27

PURNIA

56

KOLLAM

85

WEST

118

NORTH 24 PARGANAS

28

SITAMARHI

57

THIRUVANAN
THPURAM

 

 

119

KOCH BIHAR

29

DARBHANGA

58

PALKKAD

TAMIL NADU

120

KOLKATA

30

PASCHIM
CHAMPARAN

59

ALAPUZHA

86

KANYAKUMARI

121

BARDDHAMAN

 
LOCATION OF OUR BANK'S LEAD DISTRICTS
Our Bank is having lead responsibility in the following 14 Lead Districts in 4 States viz. 7 in Uttar Pradesh, 3 in Madhya Pradesh, 2 in Kerala and 2 in Bihar. The names of Lead Districts and Lead District Managers is as under:
 

S N

State

Name of Region

Name of Lead District

NAME

1

Bihar

Samastipur

Khagaria

S K Chatraj

2

Samastipur

Samastipur

Bhagirath Sao

3

Kerala

Ernakulam

Ernakulam

Anil Kumar

4

Kottayam

Idukki

Mathiachagn

5

Madhya Pradesh

Rewa

Rewa

S. C. Panjiyara

6

Rewa

Sidhi

Amar Singh

7

Rewa

Singrauli

A. K. Chaubey

8

Uttar Pradesh

Ghazipur

Ghazipur

Mithesh Kumar

9

Azamgarh

Azamgarh

Srinivas Kalwar

10

Gorakhpur

Mau

B.D. Mahato

11

Jaunpur

Jaunpur

Narayan Shah

12

Varanasi

Varanasi

Vijayanand Sahu

13

Allahabad

Bhadohi

P. K. Banik

14

Varanasi

Chanduali

S. K. Padhi

 
 




I Anup Kumar Das, Son of Late Jiban Krishna Das, residing at Vill.- Paschim Nandabhanga, P.O.- Bakhrahat, P.S.- Bishnupur, Dist.- South 24-Parganas, West Bengal


 

 

I Anup Kumar Das, Son of Late Jiban Krishna Das, residing at Vill.- Paschim Nandabhanga, P.O.- Bakhrahat, P.S.- Bishnupur, Dist.- South 24-Parganas, West Bengal
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