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Macro-Economic Scenario All-around Economy

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Global abridgement able in 2017 to 3.8 per cent, with a notable backlash in all-around trade, which is accustomed to beat up to 3.9 per cent in both 2018 and 2019 accurate by able momentum, favorable bazaar sentiment, accommodative cyberbanking conditions, and the calm and all-embracing repercussions of expansionary bread-and-butter activity in the United States. According to IMF, while upside and downside risks to the concise bend are broadly balanced, risks aloft the abutting several abode acutely angular to the downside. Downside apropos accommodate a possibly aciculate abbreviating of cyberbanking conditions, crumbling accustomed abutment for all-around bread-and-butter integration, growing barter tensions and risks of a about-face adjoin protectionist policies, and geopolitical strains.

Domestic Economy

On the calm front, the abridgement recovered afterwards the antecedent arrest column demonetisation and accomplishing of GST. India registered an absorbing GDP beforehand of 7.7 per cent in the fourth division (Q4) of cyberbanking year 2017-18 as adjoin 5.6 per cent, 6.3 per cent and 7.0 per cent respectively, in the aboriginal three quarters, Q1, Q2 and Q3 of 2017-18. Rapid beforehand in agronomics (4.5%), accomplishment (9.1%) and architectonics sectors (11.5%) contributed to the all-embracing growth. CSO in its conditional estimates has projected GDP beforehand bulk at 6.7 per cent for the FY 2017-18.

IMF in its World Bread-and-butter Bend (WEO) abode has projected Indias GDP beforehand at 6.7 per cent in 2017, 7.4 per cent in 2018 and 7.8 per cent in 2019 accurate by able clandestine burning as able-bodied as crumbling concise furnishings of the bill barter activity and accomplishing of the civic appurtenances and casework tax. Over the boilerplate term, beforehand is accustomed to gradually acceleration with affiliated accomplishing of structural reforms that accession abundance and incentivize clandestine investment. Billow in oil & aliment prices, and added accomplishment on anniversary of HRA afterlight resulted in a aciculate admission in inflation. The CPI aggrandizement stood at 4.28 per cent as on March 2017-18 as adjoin to 3.89 per cent in March 2016-17. Money accumulation added by 9.6 per cent y-o-y to 140,144.8 billion as on March 30, 2018 as adjoin 127,919.4 billion as on March 31, 2017.

External breadth growth

During 2017-18, exports (merchandise trade) added by 9.78 per cent to USD 302.84 Billion, from USD 275.85 Billion during the agnate aeon of antecedent year. On the added hand, imports additionally added by 19.59 per cent to USD 459.67 Billion from USD 384.36 Billion during the agnate aeon of a year ago. Demography commodity and casework together, all-embracing barter arrears for Apr-Mar 2017-18 is estimated at USD 87.17 Billion as compared to USD 47.70 Billion during Apr-Mar 2016-17. Adopted barter affluence stood at USD 424.36 Billion as on March 30, 2018 as adjoin USD 369.96 Billion as on March 31, 2017 registering a beforehand of 14.71 per cent. Admitting adopted bill assets stood at USD 399.12 Billion as on March 30, 2018 as adjoin USD 346.32 Billion as on March 31, 2017 registering a beforehand of 15.25 per cent.

The rupee attenuated by 0.32 per cent adjoin US Dollar, 14.10 per cent adjoin Great Britain Pound, 16.42 per cent adjoin Euro and 6.18 per cent adjoin Japanese Yen during March 2018 over the antecedent year.

Banking Scenario

The deposits of Scheduled Bartering Banks in India added by 6.7 per cent y-o-y to 114,749.89 billion as on March 30, 2018 as adjoin an admission of 11.3 per cent (1,07,576.56 billion) as on March 31, 2017.

On the added hand, acclaim beforehand of Scheduled Bartering Banks added by 10.3 per cent y-o-y to 86,507.14 billion as on March 30, 2018 as adjoin an admission of 4.5 per cent (78,414.66 billion) as on March 31, 2017. The year 2017-18 saw the afterward changes in the key activity measures as appear by the RBI.

Repo bulk bargain by 25 abject credibility (bps) to 6.00 per cent and Reverse Repo bulk by 25 abject credibility (bps) to 5.75 per cent. Banknote Reserve Adjustment (CRR) remained banausic at 4 per cent of Net Demand and Time Liabilities (NDTL). Statutory Clamminess Adjustment (SLR) was decreased by 1 per cent to 19.50 per cent. The year 2017-18 was arduous for the Indian cyberbanking sector. Mounting NPAs casting a abrogating appulse on the antithesis bedding of abounding PSBs. Best of the PSBs were accountable to accommodated their basal requirements on anniversary of huge bulk of accessories on fatigued assets. In an advance to beforehand their basal position, some PSBs resorted to QIP placements and diplomacy of stakes in investments fabricated in their subsidiaries/non-core assets. The Government and the RBI undertook key measures to strengthen the cyberbanking sector. It apparent a two-year plan to strengthen the attainable breadth banks through reforms and basal beverage of 2.11 lakh crore (USD 32.43 Billion). The Insolvency and Bankruptcy Code (Amendment) Ordinance, 2017 Bill was anesthetized to acceleration up the accretion activity beneath fatigued assets.


Bank has a Vision & Mission Statements which act as a allegorical force not alone for advancing affiliated appellation accumulated goals but additionally paving way to admission new business, convalescent chump service, anticipate and abduction approaching bazaar potentials and converting these opportunities into a affiliated appellation business goals and advantages.

Our Vision

“Be a arch financially able accustomed bank, creating bulk for stakeholders through chump centric, technology apprenticed and agent affable approach”.

Our Mission

Be a arch provider of cyberbanking solutions accouterment ambit of cyberbanking casework to all strata of society.

Be a awful accustomed and arresting brand, accustomed for its chump service.

Be the best adopted abode to assignment breadth advisers feel appreciative and motivated.

Accept accompaniment of the art technology & basement creating contentment amid all stakeholders.

To bear able cyberbanking and operational performance.

Our Bulk Statement

“Good Accumulated Babyminding through accurateness in diplomacy in adventure ethical business”.


In adjustment to beforehand the business level, chump service, babyminding and acquiescence and abode the key issues with an apprehension of affair approaching ambition and alteration bazaar conditions, Coffer is carefully advancing accumulated strategies to beforehand its competitiveness.

Bank conducted activity accommodated on 23rd March, 2017 at Bengaluru involving Zonal Managers forth with anatomic Accustomed Managers and baddest Bounded Managers to altercate the strategies to be adopted for accomplishing the business goals of FY 2017-18 and analyze and apprehend opportunities for approaching growth. The few of the aloft strategies adopted for the FY 2017-18 are as under:

1. CASA growth: Canvass institutional & government accounts, bacon accounts, popularize ASBA accounts, actuate abeyant and abeyant accounts, focus on calendar cyberbanking accessories for abridgement in transaction cost, beforehand operating adeptness and additionally to allure adolescent generation.

2. Agriculture: Analyze & focus on beforehand acclaim areas, accept accustomed apple acquaintance program, assurance of BCs for appliance their casework for cyberbanking inclusion, business development and recovery, advice with Civic Rural Alimentation Mission (NRLM) to accomplish acceptable leads for SHG and JLG coffer linkage, Tie up with NGOs and agri processing centers.

3. Retail & MSME: Focus on business apartment loans, aerial bulk apprenticeship loans, mapping of accustomed dealers with the adjacent branches/RLCs, Disburse jewel loans on all alive days, Accomplish leads to admission Retail & MSME.

4. Accretion & Resolution: Ambition abridgement of NPA akin by minimum of 10% over March 2017 level, Constant chase up of SMA accounts to arrest alpha slippage, abode CGTMSE claims in all acceptable cases, Engage recovery/enforcement agents for admission and auction of vehicles/ assets.

5. Non Absorption Assets & Fee based income: Focus on accretion non armamentarium based business, Cross diplomacy banks and third affair products, burden from advising for acknowledgment in charges, abate operating costs through concerted efforts in bulk cutting.

6. Compliance: Development of accomplished acquiescence culture, Undertake able rectification/ acquiescence of assay observations, Ensure tallying of all GL heads, Acquiescence of all authoritative admonition meticulously.

For the FY 2018-19, your Coffer has realigned its Business Activity as per the reforms calendar of the Government of India beneath Added Admission and Anniversary Excellence (EASE) absorption on the six themes. (i) Chump Responsiveness- Affluence for chump abundance (ii) Cyberbanking stability, bigger Babyminding and Affluence for apple-pie & advisable Business, (iii) Proactive allegation of credit, (iv) Affluence of Costs and bill realisation for MSMEs, (v) Deepening of Cyberbanking Admittance & Digitalization and (vi) Developing bulk for casting PSBs.

Your Coffer is committed to apparatus the reforms calendar as brash by the Government of India for which the Lath affair to altercate Business Activity was captivated at Manipal on 15th March, 2018 to lay bottomward alley map and activity to enhance business in authentic areas, optimize capital, beforehand operational adeptness and admission stakeholders value.


Bank considers business promotional strategies as a apparatus to accomplish affiliated accomplishment to popularize assorted accessories and accumulate added business. Coffer had accomplished cardinal of promotional campaigns during the year 2017-18. Few of them are as under.

CASA campaign: To accomplish cogent beforehand in low bulk deposits which has abounding bend advantages including abridgement in bulk of deposits, Coffer launched CASA campaign.

Home Accommodation Brilliant campaign: Befitting in appearance the annealed antagonism in Apartment accommodation sector, Coffer has conducted Home Accommodation Brilliant campaign.

Agronomics lending campaign: In adjustment to admission beforehand beneath agriculture, Coffer had organized agronomics lending campaign. During the campaign, beforehand was accustomed to admission crop assembly credit, beforehand acclaim and bond of SHGs/JLGs.

Gold accommodation campaign: In adjustment to tap the abounding abeyant beneath Gold accommodation portfolio, Coffer organized Gold accommodation campaign.

Calendar Promotional Campaign: In adjustment to accept a focused admission to drive Calendar Transactions, your Coffer launched Calendar Promotional Campaign, for chump accepting of calendar channels and on boarding of merchants.

LIC Campaign: To accession fee based assets and additionally to accommodate to allowance advantage to customers, Coffer launched “LIC Vijayotsav” campaign, in tie – up with LIC of India.

Synd Vasuli Abhiyan 1718: Coffer organized Synd Vasuli Abhiyan17-18, an allurement adjustment to admit accomplishment of the branches and regions for maximizing accretion and NPA administering through up-gradation and abstention of alpha slippages.


Tangible Net Worth of the Coffer (excluding Revaluation Reserve, Adopted Bill Adaptation Reserve and net DTA) decreased from 12,392 crore as at March 31, 2017 to 11,771 crore as at March 31, 2018.


The Coffer has incurred net accident of 3,223 crore during the cyberbanking year 2017-18. As the Coffer does not accommodate to the accommodation belief assigned by RBI for declarations of dividend, the Lath has not recommended any dividend.

Capital & Reserves

Banks accustomed allocation basal stood at 3,000 crore and the paid-up basal 1,417crore (141,72,72,053 disinterestedness shares of 10/- each) during the cyberbanking year concluded as at March 31, 2018. The Affluence and Surplus of the Coffer added from 13,280 crore in FY 2016-17 to 13,525 crore in FY 2017-18, registering a y-o-y beforehand of 1.84 per cent over the antecedent year.

Capital Adequacy Ratio, beneath Basel III, bigger to 12.24% as at March 2018 adjoin the authoritative affirmation of 10.875%, including basal absorption absorber of 1.875%. Aural the basal adequacy ratio, CET I adjustment was at 7.56% and Coffer I basal adjustment was at 9.41%.

March 2017

March 2018

























During 2017-18, the Coffer aloft 4,940 crore basal absolute disinterestedness basal of 3,990 crore from QIP and best allocation to Government of India and 450 crore added coffer I basal and 500 crore coffer II basal by arising Basel III adjustable Coffer I and Coffer II bonds. The Coffer is able in the basal front. Government of Indias shareholding in the Coffer is at 73.07%.


The all-around business of the Coffer stood at 4,96,122 crore as at March 31, 2018 as compared to 4,67,626 crore as at March 31, 2017 whereas, Banks calm business stood at 4,22,569 crore as at March 31, 2018 as compared to 4,05,920 crore as at March 31, 2017.


Global deposits of the Coffer stood at 2,72,776 crore as at March 31, 2018 as compared to 2,60,561 crore as at March 31, 2017. Calm deposits of the Coffer stood at 2,41,092 crore as at March 31, 2018 as compared to 2,34,543 crore as at March 31, 2017.

CASA Deposits

Domestic CASA deposits of the Coffer added from 75,792 crore as at March 31, 2017 to 80,362 crore as at March 31, 2018, registering a beforehand of 6.03 per cent. Per centage of calm CASA allocation to calm deposits stood at 33.33 per cent as at March 31, 2018.

Credit Deployment

The Banks all-around advances added from 2,07,065 crore as at March 31, 2017 to 2,23,346 crore as at March 31, 2018. Calm advances grew from 1,71,377 crore as at March 31, 2017 to 1,81,477 crore as at March 31, 2018. The all-around acclaim drop adjustment stood at 81.88 per cent as at March 31, 2018 as compared to 79.47 per cent as at March 31, 2017.

Priority Breadth Advances added from 67,905 crore in 2016-17 to 72,762 crore in 2017-18 registering a beforehand of 7.15 per cent and basal 42.41 per cent of ANBC as adjoin binding akin of 40 per cent.

Total Agronomics Advances added from 31,878 crore in 2016-17 to 33,822 crore in 2017-18 registering a beforehand of 6.09 per cent and basal 19.28 per cent of ANBC as adjoin binding akin of 18 per cent.

MSE Advances stood at 24,888 crore as at March 31, 2018 as compared to 24,866 crore as at March 31, 2017. MSME Advances added from 26,981 crore in 2016-17 to 27,306 crore in 2017-18 registering a beforehand of 1.20%.


Operating accumulation of the Coffer decreased to 3,864 crore for the FY 2017-18 from 4,233 crore for the FY 2016-17, a abatement of 8.72 per cent. Net accident of the Coffer stood at 3,223 crore for the FY 2017-18 as adjoin Net Accumulation of 359 crore for the FY 2016-17.

Employees Abundance

Business per agent (excluding Coffer Deposits) of the Coffer stood at 14.39 crore as at March 31, 2018 as compared to 13.51 crore as at March 31, 2017. Accumulation per agent for the year FY 2017-18 was (9.91) lakh.

Income & Expenditure

The Banks absolute assets stood at 24,582 crore in the FY 2017-18 as compared to 26,461 crore in the FY 2016-17.

The Banks absorption assets stood at 21,776 crore in the FY 2017-18 as compared to 23,004 crore in the FY 2016-17.

The non-interest assets of the Coffer beneath by 18.83 per cent from 3,457 crore in the FY 2016-17 to 2,806 crore in the FY 2017-18.

The Absorption bulk of the Coffer decreased to 15,224 crore in the FY 2017-18 as adjoin 16,728 crore in the FY 2016-17, recording a abatement of 9 per cent.

However, the Banks Net Absorption Assets (NII) added by 4.40 per cent from 6,276 crore in the FY 2016-17 to 6,552 crore in the FY 2017-18.

Operating bulk of the Coffer decreased by 0.11 per cent from 5,500 crore in the FY 2016-17 to 5,494 crore in the FY 2017-18.

Important Cyberbanking Ratios a) The Banks Net Absorption Allowance (NIM) bigger to 2.44 per cent in the FY 2017-18 as compared to 2.37 per cent in the FY 2016-17. b) The crop on advances of the Coffer stood at 7.51 per cent in the FY 2017-18 as compared to 8.34 per cent in the FY 2016-17. c) The bulk of deposits of the Coffer stood at 5.10 per cent in the FY 2017-18 as compared to 5.86 per cent in the FY 2016-17. d) The Book Bulk Per Allocation of the Coffer stood at 105.43 in the FY 2017-18 from 154.64 in the FY 2016-17. e) Net NPA adjustment of the Coffer stood at 6.28 per cent as at

March 31, 2018 as compared to 5.21 per cent as at March 31, 2017. f) Gross NPA adjustment of the Coffer stood at 11.53 per cent as at March 31, 2018 as compared to 8.50 per cent as at March 31, 2017. g) NPA accouterment advantage adjustment of the Coffer stood at 60.71 per cent as at March 31, 2018 as compared to 56.37 per cent as at March 31, 2017. h) The Basal Adequacy Adjustment (CRAR) of the Bank, as per Basel III bigger to 12.24 per cent as at March 31, 2018 as compared to 12.03 per cent as at March 31, 2017.

Financial Accomplishment

March 2017

March 2018






























During the year, the Coffer has added 105 Cyberbanking Outlets to its adjustment and the absolute cardinal of Cyberbanking Outlets were at 4013 as on 31st March, 2018 and Cyberbanking Outlets adjustment consists 1239 rural, 1127 semi-urban, 813 urban, 833 busline and 1 aloft Cyberbanking Aperture at London. These accommodate 1,305 outlets in beneath banked districts and 996 outlets in boyhood absorption districts.

As per RBI guidelines, banks are adapted to attainable 25 per cent of the new Cyberbanking Outlets in rural unbanked coffer 5-6 centers. During the FY 2017-18, 26 new Cyberbanking Outlets are opened in Unbanked Rural Centres (URC)/Left-wing Extremism (LWE) districts. In addition, Coffer has 979 Part-time Cyberbanking Outlets (Ultra Baby branches) as on 31.03.2018. The Coffer additionally alloyed 25 unviable Cyberbanking Outlets. The Coffer has opened 9 Bounded Offices (ROs) and 14 Retail & MSME Accommodation Centers (RMLCs) during the FY 2017-18. The absolute cardinal Automatic Teller Machines (ATMs)/ Bunch Agenda Acceptors (BNAs) installed up to 31st March, 2018 was at 4248. The Coffer adopted the New Annex Amplification Activity as per RBI Notification anachronous 18.05.2017. The Coffer has a chump abject of over 55 actor as at March 31, 2018.


Retail lending continues to be the beforehand breadth of the Coffer on anniversary of beforehand of risk, bigger crop of advances and adherence of acclaim portfolios due to best affirmation period. Assets beck from retail acclaim portfolio has apparent constant beforehand and this has contributed to profitability, advancement affection of asset portfolio, accident administering and beforehand of Net Absorption Allowance of the Bank. Retail portfolio contributes about 19.79 per cent of calm acclaim of the Bank.

Retail Business & MSME Administering has been consistently authoritative efforts to architectonics new accessories and acclimate the absolute accessories in tune with bazaar trend. Accomplishment beneath retail acclaim portfolio is as under. ( in crore)

Annual growth

































Major initiatives Apartment loans

Coffer has alien axial processing centers for processing, deepening affection advances beneath Retail and MSME loans. Coffer has adapted all the absolute 13 axial processing centers (CPCs) to Retail and MSME Accommodation Centers (RMLCs) and 14 new RMLCs accept additionally been opened in abeyant centers to assimilate and accumulate processing of the Retail & MSME loans afterwards delay.

With the accession of RMLCs, branches will be chargeless to act as diplomacy agents with focused approach. Coffer is in the activity of anecdotic such RMLCs in added abeyant centers, as well.

Coffer has alien the empanelment of Home Accommodation Counselors (HLC) for canvassing/mobilizing apartment loans.

Coffer has waived processing and affidavit accuse on apartment loans up to 31.03.2018.

Coffer has alien Apartment accommodation (CRE) adjustment for costs of third abode advanced with absorption i.e at MCLR 1.10 per cent.

Home Accommodation Brilliant campaign: Befitting in appearance of annealed antagonism in Apartment accommodation sector, Coffer has conducted Home Accommodation Brilliant advance from 01.08.2017 to 31.03.2018. During the brilliant advance 19,116 apartment loans were mobilized amounting to 2,901 crore.

Vehicle Loans

Coffer has bargain bulk of absorption and additionally waived processing and affidavit accuse during blithe seasons from 27.09.2017 to 31.01.2018.

Coffer has additionally implemented 50% abandonment of processing and affidavit accuse during cyberbanking year 2017-18.

Education loans

Coffer has alien Synd Vidya–Abroad educational accommodation scheme, an apprenticeship accommodation adeptness aloft 20.00 lakhs and up to 200.00 lakhs to accepting who ambition to go away for study.

Coffer additionally chip with “Vidyalakshmi Portal”, an activity by the Ministry of Animal Assets Development to facilitate accepting to administer for apprenticeship loans online.

Coffer has additionally implemented the “Credit Guarantee Armamentarium Adjustment for Apprenticeship Loans”, to accommodate accessory chargeless apprenticeship loans up to 7.50 lakh and “Credit Guarantee Armamentarium Adjustment for Accomplishment Development” to accommodate accessory chargeless apprenticeship loans for accomplishment development up to 1.50 lakh to students.

Gold Loans

Bank has alien new gold accommodation artefact “SyndSwarna”–Half anniversary ammo affirmation as able-bodied as EMI affirmation adeptness with added calibration of accounts at 70% net bulk of gold. Half anniversary ammo affirmation adeptness to abate emergency cyberbanking needs of rural people.

Strength in Rural Retail Lending:

Bank has 59% of Rural and Semi burghal branches which are adventitious 37% of absolute Retail portfolio of the Bank.

Bank is accepting “SyndKutteer” adjustment to beforehand breeze of acclaim for apartment needs of the Economically Weaker Sections(EWS) and Low Assets Groups (LIGs) articulation in Rural/Semi Burghal areas to accomplish Govt of India Mission of “Affordable Apartment to All”.

In assertive states, Apprenticeship loans are additionally affiliated by because agronomics backdrop as accessory security. Coffer has additionally alien altered schemes like Apartment loans, Agent loans, Personal loans, Mortgage loans, Retail barter for baby vendors, shopkeepers and Retail traders and loans for carriage operators besides lending to Agriculture.


Bank continues to accordance greater beforehand on costs MSMEs with accent on Micro and Baby Enterprises (MSEs). The Coffer has accustomed 1,17,422 MSME loans and disbursed amounting to 4,708 crore in the year 2017-18. The advances to Micro and Baby Enterprises constitutes 90.45 per cent of the absolute advances beneath MSME breadth while advances to Boilerplate Enterprises constitutes 9.55 per cent beneath MSME.

MSE Advances added from 24,866 crore in 2016-17 to 24,888 crore in 2017-18. MSME Advances stood at 27,306 crore as at March 31, 2018 as compared to

26,981 crore as at March 31, 2017.

Under MUDRA scheme, Coffer has accustomed 1,85,377 accounts amounting to 3,945 crore adjoin ambition of 4400 Crore allotted by the Ministry of Accounts and disbursed 3,272 crore as on 31.03.2018.

Bank has accustomed 701 accounts amounting to 178 crore and disbursed 110 crore as on 31.03.2018 beneath Stand up India Scheme. The outstanding advances to Micro Enterprises of the Coffer accumulated 17,705 crore of advances to Micro and Baby Enterprises Breadth at 27,306 crore which is aloft the assured ambition of 60% as on March 2018.

Other Initiatives taken to admission acclaim breeze to MSME Sector

In adjustment to admission acclaim breeze to MSME sector, the afterward initiatives accept been taken by the Bank.

Barter Receivables Discounting Adjustment (TReDS):

Bank has accomplished MoU with Receivables Barter of India Ltd (RXIL) on 11.01.2018 for on boarding their TReDS platform. Presently, Ample Accumulated Branch, Mumbai is appointed as Accustomed Annex for operations with aftereffect from 30.03.2018. Barter Receivable Discounting Adjustment (TReDS) is an institutional apparatus set up for costs of barter receivables of MSMEs from corporates and added buyers including Government Departments and Attainable Breadth Undertakings (PSUs) through assorted financiers. Coffer has taken accomplish to rationalize MSME products. In adjustment to abridge the activity at operational level,

6 MSME accessories are adapted and 8 accessories are discontinued, bringing bottomward the cardinal of MSME accessories from 14 to 6, as ballast products.

Coffer has organised MSME meets & MUDRA camps to augment business beneath MSME.

Coffer has entered into MOU with accounted Manufacturers of Bartering cartage like Tata Motors, Bajaj Auto, TVS Motors, Force Motors, Ashok Leyland, Piaggio Cartage Pvt Ltd, Saera Electric Auto Pvt Ltd, Eicher Polaris Pvt Ltd and BEML Ltd for adopted financier for costs barter of the companies for acquirement of assorted models of bartering cartage to admission acclaim beneath carriage sector. 76 MSME branches renamed as UdyamiMitra branches.


Based on the Banks acquaintance in lending to altered sectors and befitting in appearance the dynamics of bread-and-butter growth, Government directives, civic priorities and socio-economic obligations, beforehand was accustomed to antecedence breadth lending.

The Coffer has adopted assorted strategies during the year to accomplish acceptable acclaim growth, bigger asset quality, college antithesis and for advancement able-bodied adapted acclaim portfolio accoutrement all sections of the affiliation to ensure across-the-board growth. The Coffer has affiliated its beforehand beneath antecedence breadth lending with added beforehand on alliance of its position and focus on asset quality. The focus areas for acclaim were agriculture, SMEs, education, housing, micro accounts and added advantageous sectors of the economy.

Priority Breadth Advances

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Priority breadth advances of your Coffer added by 7.15 per cent to 72,762 crore as at March 2018 (from 67,905 crore as at March 2017) basal 42.41 per cent of Adjusted Net Coffer Acclaim (ANBC) adjoin the binding akin of 40 per cent. The Coffer has covered added than 33.39 lakh barter beneath antecedence breadth advances. Adapted affliction was taken to ensure that the acclaim needs of SC/ST, minorities, weaker sections and women are absolutely met. Advances to weaker sections accept accomplished a akin of 24,710 crore basal 14.40 per cent of ANBC, thereby afore the binding affirmation of 10 per cent. The advances to women barter added from 18,778 crore as at March 2017 to 20,455 crore as at March 2018, basal 11.92 per cent of ANBC adjoin the binding akin of 5 per cent. Similarly, advances to minorities added from 10,611 crore as at March 2017 to 11,060 crore as at March 2018, basal 15.20 per cent of antecedence breadth advances afore the binding affirmation of 15 per cent.

Agriculture and Allied activities

Credit to agronomical breadth added by 6.09 per cent to 33,822 crore as at March 2018 (from March 2017 akin of 31,878 crore) basal 19.28 per cent of ANBC as adjoin the binding affirmation of 18 per cent. Lending to baby and bordering farmers actuality 18,328 crore constituted 10.68 per cent of ANBC adjoin the binding affirmation of 8.00 per cent.

Bank has covered added than 23.82 lakh barter beneath agronomical advances. The bulk beneath acclaim breeze to agronomics during the year amounted to 20,475 crore. The Coffer has brought 1,36,298 new farmers into its bend during the year through rural/semi-urban branches, registering an boilerplate of 58 new farmers per rural and semi-urban branch.

Your Coffer has been consistently afore the binding targets beneath baby & bordering farmers chic and lending to non-corporate farmers. Your Coffer has awash the surplus bulk of 2,000 crore to associate banks beneath baby and bordering agriculturalist category.

Syndicate Kisan Acclaim Agenda Adjustment (SKCC)

As per the admonition of RBI, Coffer is implementing the Kisan Acclaim Agenda beneath Syndicate Kisan Acclaim Agenda (SKCC) Adjustment and the revised guidelines blot the following.

Fixation of staggered absolute for bristles years.

Accouterment for arising of cheque book and ATM / Debit Cards (Rupay Kisan Cards) which will accredit the farmers to bigger transact their operations in their SKCC accounts.

The Coffer has accustomed 5.63 lakh SKCC A/cs bulk involving 8149.01crore during the year 2017-18. As at March 2018, Rupay Kisan Cards accept been issued in 7.59 lakh attainable SKCC A/cs.

Government Sponsored Schemes:

The Coffer affiliated to participate in abjection advancement and appliance bearing schemes sponsored by the Government in abounding scale. Adapted accent was laid on advantage of SC/ST/OBC, women and boyhood beneficiaries beneath these schemes. The absolute bulk outstanding beneath these schemes viz. Civic Rural Alimentation Mission(NRLM), Civic Burghal Alimentation Mission (NULM), Prime Minister Appliance Guarantee Programme (PMEGP), and Self Employmentr Adjustment for

Rehabilitation of Chiral Scavengers (SRMS) is 3531.24 crore with 1,33,495 borrowal accounts during the year. NRLM Adjustment has been revamped & restructured as Swarna Jayanti Grameen Swarojgar Yojana (SGSY) with aftereffect from the cyberbanking year 2015-16. NULM adjustment has been revamped as Swarna Jayanti Sahari Rojgar Yojana during 2015-16 and is implemented in all commune abode and all added cities with a citizenry of 100,000 or added as per 2011 census. Both NRLM and NULM now adapted as Deen Dayal Antyodaya Yojana from 25th September 2015.

Advances to SC/ST

The advantage of SC/ST beneficiaries beneath assorted schemes, abnormally beneath Govt. Sponsored Schemes is brash at accustomed intervals. Coffer has accomplished adapted efforts to actualize acquaintance about assorted schemes of the Coffer amid SC/STs to actuate them to anniversary the allowances beneath these schemes. Advances to SC/ST beneficiaries beneath Antecedence Sector, rose from 4,520 crore as at March 2017 to 4,581 crore as at March 2018. Bulk and outstanding position of advances to SC/ST beneficiaries beneath Govt. Sponsored Schemes (i.e.PMEGP, NRLM & NULM) are furnished in the afterward tables: Advances disbursed to SC/ST beneficiaries beneath Govt. Sponsored Schemes during 2017-18 (as on March 2018) (Amount in crore)

Total Disbursement

Of which SC/ST

% to SC/ST adjoin absolute (For Accounts)

























Outstanding advances to SC/ST beneficiaries beneath Govt. Sponsored Schemes (as on March 2018)

(Amount in crore)

Balance outstanding

Of which SC/ST

% to SC/ST adjoin total





(For Accounts)





















Advances to Minorities

Bank has taken assorted measures through Bounded Offices and Beforehand Commune Offices for popularizing amidst boyhood communities the assorted acclaim accessories attainable for their benefit. The advances to minorities rose from 10,611 crore as at March 2017 to 11,060 crore as at March 2018, registering a year on year beforehand of 4.23 per cent. Adapted absorption acknowledgment adjustment alignment from 0.25 per cent to 0.50 per cent was alien by the Coffer during 2010 for the anniversary of boyhood affiliation beneath antecedence breadth lending and the aforementioned is affiliated during 2017-18.

Credit bond of Collective Accountability Groups and Self Advice Groups

The advances affiliated to Collective Accountability Groups and Self Advice Groups as at March 2018 was 1,30,736 accounts with an outstanding antithesis of 3,402 crore. A collective accountability accumulation is an breezy accumulation absolute 4 to 10 alone farmers who appear calm to admission institutional acclaim through JLG admission of financing. Coffer has been lending to SHG/JLGs both anon as able-bodied as through MFIs/NGOs. Coffer has angry up with M/s IDF foundation beneath “Save the Farmers Campaign” in Karnataka for acclaim bond the JLG/SHGs. This Activity includes accumulation of JLGs/ SHGs from the Baby Farmers, Bordering Farmers, and Oral lessees, Allocation croppers, mentoring them through cyberbanking articulacy and imparting acceptable acreage alimentation technologies to de-risk the acreage production, accredit admission to affordable Coffer accounts for Agronomics through KCC and added accessories through the Business Correspondents/Business Facilitators channel, announcement austerity adeptness and accustomed chase up for repayments. During the FY 2017-18, Coffer has accustomed 8,773 SKCC loans amounting to 30.86 crore to JLG members.

Coffer has entered into a amalgamation with M/s. Vrutti Alimentation Resource Centre, for accomplishing of a Wholesome Cyberbanking Admittance Activity in the States of Madhya Pradesh (MP), Telangana & Karnataka by announcement Collective Accountability Groups (JLGs) & Women Self Advice Groups (SHGs) on a pilot basis. The basal cold of this amalgamation adjustment is to accommodate admission to Cyberbanking casework to the organised Baby Farmers, Bordering Farmers, Tenant Farmers, Oral Lessees & Allocation Croppers through Collective Accountability Groups & Women SHGs. During the FY 2017-18, Coffer has accustomed 368 SKCC loans amounting to 1.10 crore to JLG members.

Interest subvention anniversary to farmers

The Coffer has affiliated crop assembly acclaim to 5.63 lakh farmers during 2017-18 beneath absorption subvention adjustment of the Govt. of India. The coffer has affiliated the absorption subvention anniversary @ 2 per cent to the tune of 182 crore and 193 crore as added allurement of absorption subvention @ 3 per cent for adapted affirmation during 2017-18 and authoritative the acceptable agriculturalist acquire acclaim at the able assigned absorption bulk of 4 per cent p.a.

Renewable Energy

The Coffer has been actively announcement solar activity appliance by implementing the schemes for costs Solar Baptize Heating Systems and Solar Lighting Systems. The Coffer is anon implementing the adjustment to extend accounts to Solar Home Lighting Systems and Solar Baptize Heating Systems with subsidy abetment from Ministry of New and Renewable Activity (MNRE) beneath Jawaharlal Nehru Civic Solar Mission (JNNSM). During the cyberbanking year 2017-18, the Coffer has affiliated acclaim to 380 barter amounting to 3.77crore beneath renewable activity category.

Rural Extension Apprenticeship Programmes

Bank has been acclimation Rural Extension Apprenticeship Programmes mainly through the rural and semi-urban branches for announcement acquaintance amid the rural bodies on avant-garde agronomics & rural technologies and Banks acclaim programmes. During the cyberbanking year 2017-18, the Coffer has organized 3,592 Rural Extension Apprenticeship Programmes benefiting 1,73,901 participants with an bulk of 21.91 lakhs.

Crop Allowance Schemes

The afterward three crop allowance schemes were alien by Govt of India from Kharif 2016 (From 01.04.2016 onwards). These schemes are as under: PMFBY (Pradhan Mantri Fasal Bhima Yojana) Restructured WBCIS (Weather Based Crop Allowance Scheme) UPIS (Unified Amalgamation Allowance Scheme)

The acceptable KCC holders are covered with corresponding crop allowance schemes. Coffer has enrolled 3,02,588 KCC accounts beneath these crop allowance schemes in Kharif-2017 season. In Rabi 2017-18, 1,18,714 farmers are covered beneath crop allowance schemes.

Relief to drought/calamity afflicted farmers

Bank is demography all-important accomplish as per RBI guidelines to extend actual abatement to farmers afflicted by accustomed calamities such as restructuring of absolute crop loans and appellation loans, extending alpha loans, able aegis and allowance norms, adjournment of minimum 1 year, no chastening absorption in anniversary of accustomed ante in default, etc. Absorption subventions provided by Govt. of India for the restructured accounts on anniversary of accustomed calamities are actuality affiliated to all the acceptable cases.

Rural Development and Self Appliance Training Institute (RUDSETI)

Bank has co-sponsored 27 Rural Development and Self Appliance Training Institutes (RUDSETIs) aloft the country.

These institutes accept accomplished 24,074 candidates during the year 2017-18. Out of these accomplished candidates11,350 are women & 6,873 are from SC/ST category. Absolute candidates accomplished back birth is 4,47,125. The adjustment bulk is 73 per cent.

Our RUDSETI archetypal has been accustomed by Ministry of Rural Development, Govt. of India as a role archetypal to be replicated in anniversary commune of the country. A Ecology corpuscle of Civic Academy of RUDSETIs has been accustomed at Bengaluru for ecology these RSETI institutes and their activities pan India.

Syndicate Rural Development Trust (SRDT)

Syndicate Rural Development Trust (SRDT) was accustomed in the year 2000 to beforehand rural entrepreneurship and self-employment amid the rural poor, abnormally women. So far, the Coffer has accustomed 16 SyndRural Self Appliance Training Institutes (Synd RSETIs) in 5 States and 1 Union Territory for imparting training to rural poor. During the Cyberbanking Year 2016-17, out of the 16 SyndRSETIs, 12 RSETIs accept anchored “AA” rating. Your Coffer has been conferred with an Accolade of Excellence (First Prize) from Ministry of Rural Development, in accepting of admirable administering accustomed to the RSETIs sponsored by the Coffer for the years 2014-15 and 2015-16 consecutively. During the year 2017-18, 451 training programs were conducted benefitting 11,219 persons, of whom 6,055 were women and 2,759 were from SC / ST category.

Lead Coffer Scheme

The Coffer has been assigned with beforehand coffer responsibilities in 29 districts across-the-board of UT of Lakshadweep aloft the country. All the Beforehand Commune Offices of the Coffer accept conducted the Commune Akin Assay Lath (DLRC) diplomacy and Commune Consultative Lath (DCC) diplomacy regularly. The acclaim planning activity was completed and Commune Acclaim Plan (DCP) 2017-18 was launched as per time agenda envisaged by RBI. The Coffer is additionally the convener of Accompaniment Akin Bankers Lath (SLBC) in Karnataka and the Union Territory of Lakshadweep and abundantly absolved the responsibilities casting on it as the convener of Accompaniment Akin Bankers Committee. The SLBC for Karnataka and UTLBC for Lakshadweep are implementing the recommendations of the Aerial Akin Lath to assay the Beforehand Coffer Scheme.

Under Commune Acclaim Plan, Banks beforehand districts accept apparent 82.98 per cent accomplishment beneath antecedence breadth and 82.54 per cent beforehand beneath agronomics as on March 2018 in anniversary of accomplishing of Anniversary Acclaim Plan 2017-18.


There are three Bounded Rural Banks sponsored by our Bank. These are Andhra Pragathi Grameena Coffer in Andhra Pradesh, Karnataka Vikas Grameena Coffer in Karnataka and Prathama Coffer in Uttar Pradesh. These RRBs are accoutrement 18 districts in 3 states with a adjustment of 1598 branches & 236 ATMs. RRBs sponsored by our Coffer are in the top alliance amid assorted RRBs of the country, in anniversary of key business parameters. Absolute Business of RRBs sponsored by our Coffer stood at 62,741 crore as on 31.03.2018.

The absolute deposits and advances of the RRBs accept accomplished a akin of 34,550 crore and 28,190 crore respectively. Absolute Antecedence breadth advances stood at 25,523 crore basal 90.54 per cent of the absolute advances as at 31.03.2018. Agronomics beforehand accept accomplished a akin of 21,003 crore basal 74.50 per cent of absolute advances. All the RRBs accept issued 12.60 lakh Kisan Acclaim Cards to farmers with an outstanding acclaim of 13,828 crore. Auto movement of NPAs is implemented in all the three RRBs. The RRBs are authoritative accumulation continuously back their inception.

All the branches of our sponsored RRBs are beneath CBS belvedere with RTGS and NEFT facilities. RRBs are onboarded with APBS/NACH platform, ECS, CPSMS, Adaptable Banking, IMPS, e-commerce, e-pass book, UPI & BHIM. RRBs accept actively alternate in PMJDY and accept canvassed 25.72 lakhs SB accounts and issued 24.73 lakhs RuPay Cards as on 31.03.2018. These RRBs enrolled 17.69 lakh beneath PMSBY, 6.11 lakh beneath PMJJBY and 1.28 lakh beneath APY schemes respectively. Aadhaar agriculture & Aadhaar affidavit is accomplished to the admeasurement of 91.83 per cent & 61.83 per cent respectively. All the three RRBs sponsored by your Coffer accept implemented FI Plan (2016-2019) as per the administering of the Reserve Coffer of India and Government of India.


Bank has covered all the allotted 3229 Sub Anniversary Areas (SSAs) accoutrement 6953 villages, and deployed 2,630 Coffer Mitrs aloft the country to accommodate Cyberbanking casework to the villages.

Pradhan Mantri Jan-Dhan Yojana

“Pradhan Mantri Jan-Dhan Yojana” (PMJDY) was launched by the Honble Prime Minister on 28.08.2014 with an cold of accoutrement all the baldheaded households in the villages and burghal wards with a coffer anniversary to accommodate cyberbanking facilities, in a mission mode.

Bank has opened 44.38 lakh Basal Accumulation Coffer Drop (BSBD) beneath PMJDY as on 31.03.2018 with an outstanding antithesis of 1,264.15 crore out of which 35.48 lakh PMJDY accounts (79.95 per cent) accept been seeded with Aadhar adjoin industry boilerplate of 78 per cent.

Business Contributor (Bank Mitr)

Bank has appointed 2630 Coffer Mitrs and all are provided with interoperable Micro ATMs for adventure AEPS and RuPay agenda transactions. 2552 Coffer Mitrs accept actively performed diplomacy during the year. The cardinal of diplomacy through Micro ATMs added appreciably during 2017-18 and per day, per micro ATM diplomacy accept added from 13 as at 31.03.2017 to 20 as at 31.03.2018.

Banking Outlet:

The Banks authorisation activity on Annex amplification has been accustomed by Lath and adopted by the Coffer as per revised guidelines issued by RBI on 18.05.2017.

According to the aloft revised RBI guidelines, a “Banking Outlet” is a anchored point anniversary allegation unit, manned by either banks agents or its Business Contributor breadth casework of accepting of deposits, encashment of cheques/ banknote abandonment or lending of money are provided for a minimum of 4 hours per day for at atomic bristles canicule a week. It carries compatible signage with name of the coffer and authorisation from it, acquaintance accommodation of the authoritative authorities and complaint accretion apparatus and ceaseless service. The alive hours/ canicule allegation to be displayed prominently.

A cyberbanking aperture which does not accommodate allegation of anniversary for a minimum of 4 hours per day and for at atomic 5 canicule a anniversary will be brash a ‘Part-time Cyberbanking Outlet. All-important guidelines accept been issued by the coffer in this regard.

Establishing Aadhaar Seva Kendra

Bank has set up 564 Aadhaar Seva Kendras as adjoin the ambition of 403 centers. Besides, 677 admiral of the Coffer accept auspiciously taken the UIDAI acceptance assay for activity as admiral cum verifiers in the Aadhaar Seva Kendras accustomed by the Bank.

Technology Initiatives

During the year 2017-18, the Coffer has undertaken afterward technology initiatives for the affluence of accomplishing the business beneath Cyberbanking Admittance activities.

Dual Affidavit of SHG in Micro ATMs

Aadhaar Affidavit through Micro ATMs by eKYC

OTP based Aadhaar Affidavit adeptness in Coffer Website

Financial Articulacy Centers (FLCs)

Bank is announcement Cyberbanking Articulacy through Jeevan Jyoti Cyberbanking Articulacy & Counselling Centres (JJFLCC) Trust which has opened 55 Cyberbanking Articulacy Centers (FLC) and 21 Cyberbanking Admittance Resource Centers (FIRC) in the beforehand districts of the Bank. During the year 16481 articulacy camps accept been conducted benefitting 764531 persons. As brash by RBI, your Coffer has set up 21 Cyberbanking Admittance Resource Centers (FIRCs) in 5 states. FIRCs accommodate a constant armory of advice in the anatomy of exhibition on assorted facets of cyberbanking casework and its products, RBI and its functions, Bill Addendum etc.

Centre for Cyberbanking Articulacy (CFL)

Bank has set up Centre for Cyberbanking Articulacy (CFL) in all the allotted 15 blocks in 4 districts viz Ballari, Nellore, Gurgaon

& Mewat districts, breadth your Coffer is accepting beforehand coffer responsibilities.


The Coffer extends accounts to corporates for their abbreviate appellation as able-bodied as affiliated appellation requirements. Acknowledgment of aloft 100.00 crore are handled by accumulated acclaim department. The loans offered are alive basal finance, appellation accommodation finance, activity accounts such as bartering absolute estate, basement projects and added projects, accommodation adjoin approaching hire receivable, etc.

Project Appraisement Corpuscle (PAC)

Project Appraisement Corpuscle has been constituted for alertness of abundant appraisal/ vetting of TEV study/ Advice Memorandum. PAC undertakes abundant appraisement in anniversary of appellation accommodation proposals with activity bulk of 70.00 crore and aloft and Banks acknowledgment of aloft 35.00 crore breadth assembly / architectonics / activity is involved.

In anniversary of projects already acquainted by PSBs/ all India cyberbanking institutions/ arch clandestine breadth banks/ added accounted agencies, vetting is done by PAC for exposures aloft 100.00 crore. This activity will abate the Turn Around Time (TAT) for acclaim proposals as able-bodied as accouterment such casework to our branches at a abbreviate notice.


Mid Accumulated Acclaim Administering of the Coffer caters to the acclaim requirements of abate corporates whose acclaim affirmation ambit amid 35 crore to 100 crore. The Mid Accumulated Acclaim Administering handles such acclaim proposals accustomed from all branches aloft the country, which includes sectors such as manufacturing, services, bartering absolute estate, MFIs, NBFCs, infrastructure, proposals beneath low antecedence industries etc. As on 31.03.2018, Coffer has 23 Mid Accumulated branches with business accumulated of 7,869.87 crore. These branches are provided with accomplished and accomplished acclaim admiral to handle aerial bulk acclaim proposals.


In adjustment to accept a absolute adjustment of ecology the acclaim on an advancing abject and to ensure asset affection of advances, Coffer has constituted a abstracted vertical Acclaim Ecology and Assay Administering (CMRD) at Accumulated Appointment headed by a Accustomed Manager, in which the Adapted Acknowledgment Accounts Cell, Acclaim Ecology Corpuscle and Accumulated Debt Restructuring Corpuscle are alloyed into Acclaim Ecology and Assay Administering in 2014. Coffer has formulated a absolute Acclaim Ecology Policy, which is actuality fine-tuned from time to time.

The Administering is primarily amenable for framing behavior accompanying to Acclaim Monitoring. Further, the Administering is reviewing the sanctions in anniversary of the advances accustomed by Bounded and Zonal Offices.

For able and adapted monitoring, a adjustment based anniversary ecology abode (MMR) for borrowal accounts of 1.00 crore and aloft is put in abode in adjustment to admission qualitative advice pertaining to regularity of the account, face-lifting status, inspection/audit details, assemblage visits, allowance coverage, aegis creation, accomplishment of the unit, cyberbanking arrangements, appraisement accommodation etc. The anniversary ecology abode acts as an aboriginal admonishing adjustment and facilitates the top administering to accept an all-embracing appearance on the bloom of the acclaim portfolio.

As per the Reserve Coffer of India guidelines, Coffer has alien a adjustment of acknowledged assay wherein re-verification of appellation deeds/fresh acknowledged appraisement in anniversary of advances of 5.00 crore and above, backed by mortgage of properties, is done, breadth beforehand acknowledged appraisement has completed 2 years. Administering is additionally ecology acquiescence of this process. Further, the Administering is additionally ecology conduct of banal assay in anniversary of acceptable accounts.

Department consists of a fatigued asset corpuscle which handles accounts referred to CDR and SDR / S4A schemes pertaining to accounts already referred beneath CDR. The administering handles accounts referred beneath Insolvency and Bankruptcy Code 2016 for resolution of Fatigued Assets. Administering of Cyberbanking Services, Ministry of Finance, Government of India has directed all Banks to actualize a abstracted vertical to administer fatigued assets and aerial bulk Adapted Acknowledgment Accounts as allotment of Reforms Calendar for Acknowledging & Amenable PSBs.

Accordingly, the Coffer has created a “Stressed Assets Administering Vertical” to adviser all the fatigued assets of the Bank.


A abstracted corpuscle alleged “special acknowledgment accounts cell” is activity beneath the department. The accounts which are assuming assurance of irregularities / affection are accustomed as adapted acknowledgment accounts. Aloft activity of SMA corpuscle is to analyze the accounts assuming aboriginal assurance of irregularities, affection so that adapted able activity can be taken to beforehand the affection of assets and to anticipate them from bottomward to NPA.

The Administering is vested with the albatross of all-embracing ecology of Adapted Acknowledgment Accounts (SMA). Administering is entrusted with the assignment of devising adapted advertisement system/MIS and accession abstracts at accustomed intervals, for advancement the asset quality.

The administering is additionally entrusted with the accumulating of abstracts / MIS at accustomed intervals in anniversary of restructured and DCCO affiliated accounts. The administering gets account-wise accommodation of restructured accounts anon from MIS on anniversary abject and maintains database of such accounts for added advertence and advice to regulator. The Coffer has followed the RBI regulations both on Adapted Acknowledgment Accounts and on restructuring of accounts by accurate assessment, quick apprehension of weaknesses and time-bound accomplishing of restructuring package.

The administering monitors the cachet of restructured accounts by contacting Regional/Zonal Offices and branches to accommodate the restructured accounts from added slippage and to beforehand the status-quo. The administering additionally monitors the cachet of accomplishment of DCCO affiliated accounts and makes adapted accoutrement at every division end for DCCO affiliated accounts aloft the assigned period. The administering consolidates the abstracts of restructured accounts, FITL accounts and DCCO affiliated accounts at every division end for authoritative final accoutrement and to abide the abstracts to the Regulator, Appraisement Agencies, branches and added departments of Accumulated Office.

Borrowers accepting accumulated fund-based and non-fund based acknowledgment of 5 crore and aloft were ahead appear to RBI on anniversary abject As per RBI new Notification RBI/2017-18/131/DBR. BP.BC.101/21.04.048/2017-18 anachronous 12/02/2018, all 5 crore and aloft borrowal accounts are to be appear on anniversary abject instead of anniversary beneath the CRILC belvedere with aftereffect from 01.04.2018.

Also, SMA2 accounts of 5 crore and aloft were appear on circadian abject ahead which has been adapted and as per new guidelines, all the absence accounts (SMA 0,1 and 2) accept to be appear on anniversary abject at the abutting of business on every Friday and the aboriginal such abode was submitted on 23.02.2018.

In accession to this, the activity of advertisement of articular Red flagged / Artifice accounts of 50 crore and aloft beneath CRILC, is additionally handled by the department.


Banks Accretion Activity is aggressive appear acclamation the absolute breadth of issues apropos NPA administering and the coffer has empowered the acreage functionaries in absolute any chic of non assuming accounts by bringing out a album on “Comprehensive Accretion Activity for Non Assuming Assets” in the year 2013. The absolute accretion activity is actuality adapted from time to time to be in band with the guidelines of RBI/GOI. Coffer has alien / affiliated adapted OTS schemes for because proposals of farmers beneath absolute accounts to Agronomics & Allied activities including agronomical tractor loans, OTS Adjustment for baby NPA accounts beneath ambiguous and accident assets chic with book antithesis of 5,00,000/- and below, and OTS adjustment for Micro and Baby Enterprises borrowers. The Adapted OTS adjustment for allowance NPA apprenticeship loans with aboriginal accustomed absolute of 4.00 lakh & beneath for the anniversary of apprenticeship accommodation borrowers was additionally renewed. In accession to the above, during the year, a adapted OTS adjustment to beforehand accretion beneath DA-3 and Accident Assets with book antithesis of 5,00,000/- and beneath with a bound ascendancy aeon was additionally renewed up to 31.03.2018.

Also, in band with the relief/ abandonment schemes appear by some of the states like, Uttar Pradesh, Maharashtra, Kerala and Goa, your Coffer additionally alien

A adapted One Time Adjustment Adjustment for adjustment of non assuming crop and agronomical loans in the Accompaniment of Uttar Pradesh and Maharashtra respectively.

A adapted Accommodation Affirmation Abutment cum OTS Adjustment for adjustment of apprenticeship loans in the Accompaniment of Kerala.

A adapted One Time Adjustment Adjustment for adjustment of non assuming loans of mining accompanying activity in the Accompaniment of Goa.

Bank affiliated to abate ample cardinal of abate NPA accounts by allowance the ante at “Synd Adalats” at all branches throughout the year by meet, allocution and accomplish approach. Four Bruhat Synd Adalats were conducted at regional/cluster/branch akin on 13.06.2017, 22.08.2017, 14.11.2017 & 14.02.2018 wherein 75,428 OTS cases were settled, by convalescent a sum of 276.98 crore with an activity bulk of 977.53 crore.

Bank was able to annals a abundant accretion of 580.32 crore during the year 2017-18 by arising notices and demography possession/auctioning of backdrop beneath SARFAESI Act 2002. The efforts at annex akin were supplemented by empanelling added administering agencies and accustomed valuers.

Special accelerated NPA accretion advance alleged “Synd Vasuli Abhiyan-17-18” was captivated auspiciously from 1st August, 2017 to 31st March, 2018 for maximizing recovery.

Top NPAs from anniversary arena were articular for giving focused absorption in the alpha of the year itself and abounding accounts were auspiciously bound afore March 2018. Fatigued Tiny Asset Accretion Aggregation (START) stationed at bounded offices are actuality abundantly activated for acceptable the branches accepting aerial absorption of adapted ecology assets/non assuming accounts of beneath 10.00 lakh. All aerial bulk NPA accounts are monitored alone by Managing Director and CEO /Executive Directors and alive chase up is fabricated for absolute these accounts. On anniversary of this, ample cardinal of NPA accounts could be resolved.

The Banknote Accretion in absolute NPA appear Principal is 2,202.17 crore and 630.55 crore in Prudentially accounting off accounts. The absolute banknote accretion beneath NPA during Cyberbanking year was 3,330.75 crore.


Risk Administering Architecture

A able-bodied and absolute Accident Administering Framework is accustomed in the Bank. The Lath of Directors assumes the all-embracing albatross for Accident Administering in the bank. The Accident Administering Lath (RMC) of the Lath defines the accident appetence of the Bank. The RMC of the Lath is ably assisted by Acclaim Accident Administering Lath (CRMC), Asset Accountability Administering Lath (ALCO), and Operational Accident Administering Lath (ORMC). The Coffer is accepting a able-bodied authentic Cyber Aegis Activity including an advice Technology Babyminding Framework consisting of IT Activity Committee, IT Steering Committee, Arch Advice Administrator (CIO), Advice Aegis Administering Lath (ISMC), a Arch Advice Aegis Administrator (CISO) assisted by assorted specialist teams, Business Alternation Teams and an IS Assay activity to initiate, implement, monitor, beforehand and beforehand the advice aegis aural the Coffer and to accomplish constant that IT is accumbent and delivers bulk to the business. Coffer has ISO/IEC 27001:2013 acceptance for CISO functions, bulk cyberbanking application, DBA, Adjustment Operations, ATM, Internet Cyberbanking & Adaptable Cyberbanking with assorted abutment functions.

Risk Administering Administering activity at Accumulated Appointment oversees the all-embracing accomplishing of assorted accident administering initiatives aloft the Coffer with the abetment of Accident Administering Cells (RMCs) at Zonal Offices and Bounded Offices. The Coffer has a well-documented activity and processes for administering of credit, bazaar and operational risks which are periodically reviewed, so as to acclimate to the alteration business and bazaar environment.

Basel II Compliance

Bank has been acknowledging with all Basel II norms. The Basal to Accident Abounding Assets Adjustment (CRAR) is computed as per Colonnade I requirements adhering to New Basal Adequacy Framework (NCAF) guidelines of RBI. Coffer has adopted affiliated admission for accretion acclaim risk, basal indicator admission for accretion operational accident and affiliated continuance admission for accretion bazaar risk.

Bank has a Lath accustomed absolute Accident Appetence Framework, Centralized Basal Adequacy Appraisement Activity (ICAAP) and Accent Test Activity which is brash periodically so as to be in band with the bazaar realities, bread-and-butter ambiance and authoritative requirement. Coffer additionally prepares the anniversary basal plan to augment the basal requirements of the Coffer which is brash at anniversary intervals or as per requirements. The Coffer has a lath accustomed Disclosure activity which is brash periodically by adhering to the guidelines issued by RBI and added authoritative bodies periodically.

Basel III Guidelines

Basel III guidelines accept been alien for convalescent the cyberbanking sectors adeptness to blot shocks arising from cyberbanking and bread-and-butter stress, accession the Risk-based basal affirmation with a advantage ratio. Coffer is artful the Clamminess Advantage Adjustment (LCR) in band with RBI guidelines and appointment the aforementioned to RBI on a anniversary basis. The abounding boilerplate LCR is appear on a anniversary basis. During the accustomed year, Coffer has taken assorted basal admission measures for convalescent the affection of basal and to beforehand the CET 1 ratio, Coffer 1 adjustment & CRAR of the Bank. Coffer has aloft absolute basal funds of 4,940 crore during the cyberbanking year 2017-18 in assorted forms, namely a. Disinterestedness Basal beverage by Govt. of India for an bulk of 2,839 crore. b. Disinterestedness Basal (including Allocation Premium) aloft through

QIP of 1,150.80 crore on 15.12.2017. c. Basel III adjustable AT 1 Bonds at advertisement bulk of 9.80% of 450 Crore on 25.07.2017. d. Basel III adjustable Coffer 2 Bonds at advertisement bulk of

8.00% of 500 Crore on 03.05.2017.

Bank is demography all measures to beforehand the CET1 ratio, Coffer 1 ratio, CRAR and Advantage Adjustment beneath Basel III so as to accede with the basal requirements as per the agenda assigned by RBI while accompanying accomplishing the accustomed beforehand in business. Coffer is additionally publishing on anniversary abject the adapted advice as per Basel III disclosures in the website back the division catastrophe September 2013.

Asset Accountability Management

The Asset Accountability Administering Lath consists of associates of the top administering and consistently meets to administer Clamminess Risk, Absorption Bulk Risk, Gaps/Mismatch Risk, Abject Risk, Re-pricing Risk, Forex Accident and Disinterestedness Price Risk. It includes artefact appraisement for deposits as able-bodied as advances and the adapted ability contour of assets and liabilities.

The Coffer has a well-documented accident clamminess allotment plan for managing any contingency. The Coffer undertakes accent testing on anniversary abject and assesses the appulse on clamminess and absorption assets of the bank. Coffer monitors the Basel-III “Liquidity Advantage Ratio”.

Un belted Adopted Bill Exposure:

The Coffer has a activity with absorption to basal and accessories requirements for acknowledgment to entities with Un belted Adopted Bill Acknowledgment (UFCE) which is based on the guidelines issued by RBI. The position of aftermost 2 years is as under.

(Amount in Crs)

FY 2017-18

FY 2016-17








Bank has accorded accent to treasury functions and able administering of Chip Treasury Operations. Treasury and All-embracing Cyberbanking Administering (T&IBD) has two wings viz, (a) Adopted Barter Treasury and (b) Calm Treasury. Besides, T&IBD is additionally activity as ecology and authoritative appointment for the aloft operations of the Bank.

Forex Treasury

Treasury and All-embracing Cyberbanking Dept (T&IBD) is the alone ‘A chic appointment in the Coffer which maintains adopted barter position, Nostro and Vostro Accounts. T&IBD additionally monitors adopted barter business, contributor cyberbanking accord and aloft business operations of London branch.

The Banks centralized ambidextrous allowance at T& IBD, Mumbai handles the adopted barter ambidextrous operation of the Bank. The Coffer is accepting 116 appointed branches (Category “B”) to handle all types of adopted barter diplomacy and 414 nominated branches to handle the FCNR business of the Bank. NRE/NRO deposits are accustomed at all the 4012 calm branches of the Bank. The Coffer additionally has one aloft annex at United Kingdom. The Coffer is a affiliate of Allowance Corporation of India Ltd. (CCIL), for adjustment of inter-bank forex deals in USD/ INR segment. Further, the Coffer additionally settles cross-currency deals through CCIL with affiliated affiliated adjustment (CLS) Bank.

The Coffer is a trading-cum-clearing affiliate on three exchanges, i.e., MCX-SX, NSE and BSE for adventure proprietary based position in bill futures.

The Coffer is alms alone apparent boilerplate derivatives and no circuitous acquired accessories are offered by the Bank. There is no activity adjoin the Coffer in anniversary of absolute acquired transactions. The Coffer has implemented Chip Treasury Administering Software (ITMS) which has basal appearance like affiliation of calm and forex treasury, able adjustment operations for rupee and adopted barter treasury and adapted Nostro reconciliation. The new adjustment additionally provides seamless interactions with branches for their chump transactions.

The absolute forex about-face of the Coffer was 10,91,020 crore for the accustomed cyberbanking year 2017-18, as compared to 11,32,142 crore for the antecedent cyberbanking year. The inter-Bank about-face was 10,23,209 crore for the accustomed cyberbanking year 2017-18 as compared to 10,78,832 crore for the antecedent cyberbanking year.

Export Finance

Your Coffer has able Consign Accounts casework to beforehand banknote flows of exporter with advanced adjustment of contributor relationships and aggressive ante for remittances. Consign Accounts was fabricated in Indian Rupees as able-bodied as in adopted currency. Rupee consign acclaim was offered at actual aggressive absorption ante aural the beam assigned by RBI. The Absorption Equalization Adjustment for Exporters, as advised by Govt of India, has been fabricated attainable by the Coffer to its barter in assertive authentic sectors, appropriately casual on the allowances of concessional interest. Coffer additionally conducted exports/imports accommodated at assorted centers to accept absolute alternation with the clients.

Exchange Companies

The Coffer is managing one Barter Abode M/s Musandam Barter Aggregation Ruwi, an barter aggregation at Ruwi in Sultanate of Oman. The Coffer is additionally accepting Rupee Cartoon Arrange (RDA) with added 7 Barter Houses for bigger and cost-effective funds alteration by Indian banishment to India from Gulf countries, afar from RDA with 06 adopted banks.

Centralised NRI Cell

T&IBD has opened the centralized NRI corpuscle w.e.f. 26th Dec 2012 to accredit alive aperture of NRE accounts canvassed by Barter Abode managed by Bank, namely, Musandam Barter Company. With a appearance to accretion the NRE Portfolio of the Bank, T&IBD is aperture the anniversary on anniversary of the branches and auctioning the NRE acceptable kit absolute cheque book, ATM agenda and Internet IDs etc. anon to the Barter Abode for allegation to the customer.

Multi – Bill Co-Branded Forex Pre Paid Card

The Multi-Currency Co-Branded forex pre-paid agenda in affiliation with Thomas Cook India Ltd and Master Agenda was launched on 23rd June, 2017. This borderless Prepaid Agenda has the advantage of loading eight currencies on a audible card–US Dollars, British Pounds, Euro, Australian Dollars, Canadian Dollars, Swiss Francs, Singapore Dollars and Japanese Yen. There are 6 Adopted Barter Processing Centres and 57 branches appointed to affair this card.

Special Arrange with NOSTRO Bank

In adjustment to abate the accident faced by the chump in accumulating of US Dollar instruments through US based contributor Banks, T&IBD has accustomed adapted arrange for accelerated accumulating of US Dollar cheques/ abstruse through USD Nostro contributor for cheques fatigued in USA.

Domestic Treasury

Domestic trading lath accurate by state- of- art-technology which is mapped with the trading platforms provided by CCIL like CROMS, CBLO, NDS-OM, NDS-Call etc are interfaced with ITMS, provides the seamless diplomacy movements. The aloft portfolio of the treasury comprises of SLR investments and is in the anatomy of bonds of axial Government antithesis & accompaniment Government securities.

The coffer has additionally able the non SLR investments by beforehand in qualitative and rated accumulated bonds and debentures, bartering paper, CDs, etc., consistent in bigger yields on beforehand portfolio. The coffer has additionally acceptable from arbitrage deals, by bigger authoritative use of windows like CBLO, Repo & Alarm bazaar with that of brief FX market. The coffer has managed funds actual calmly by these money bazaar channels by continuously ecology the armamentarium breeze and the clamminess position and adventure lending and borrowing transactions.

During the year, the Banks treasury has aloft Basal Funds by way of Subordinate Coffer II Bond (500 Cr), Added Coffer I Bond (450 Cr) and Qualified Institutional Adjustment (QIP) amounting to 1,150.80 Cr afterwards acknowledging with all the due procedures. The Government has alloyed basal through disinterestedness to the tune of 2,839 Cr. The coffer has invested in Recapitalization Bond for the aforementioned amount. During the year, the Coffer has set up an disinterestedness assay administering and has started trading in equity

The calm investments of the coffer were at 79,204.17 crore as on 31.03.2018 as adjoin 64,766.41 crore for antecedent year. Absolute assets from beforehand portfolio (excluding allocation & trading profits) was 5,410.37 crore in the year 2017-18 as adjoin 5,428.05 crore in the year 2016-17. Banks beforehand in SLR antithesis amounted to 70,349.94 crore which formed 88.82 per cent of Banks absolute calm treasury investments as on 31.03.2018. Trading profits for the year 2017-18 was 926.48 crore as adjoin 1,728.69 crore during the FY 2016-17.

Modified continuance (indicator of change in prices/values with change in 1 per cent Absorption Rate) for Banks absolute beforehand portfolio stood at 4.43 per cent for 2017-18 as adjoin of 4.30 per cent for year 2016-17.

Overseas Operation

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Banks aloft appearance is in United Kingdom with a Annex at London. The Annex is alive in ample cyberbanking operations confined Indian Corporates in United Kingdom, money bazaar operations, investments and treasury operations. The Annex focuses on syndications and ECBs, besides alternate loans for Indian Corporates accepting all-around presence. The annex has able risk-management adjustment which is accustomed by authoritative ascendancy of United Kingdom. The absolute business (Deposits and Advances) of the annex stands at Great Britain Pound (GBP) 7968.770 actor (73,533.82 crore) as at 31st March, 2018 as adjoin GBP 7627.164 actor (61,705.66 crore) as at 31st March, 2017.


Management Advice Adjustment (MIS) administering provides advice on business ambit to the top management, authoritative offices and branches acceptable in abstracts assay and accommodation making. The administering additionally provides belletrist to accommodated the Authoritative and Statutory compliances. The abstracts quality, accuracy, bendability and accommodation is ensured by the department.

Apart from breeding the accustomed and adhoc reports, the administering is additionally accouterment abstracts for assorted requirements such as: SPARC for RBI, CAM and ALM-FTP for Accident Administering dept, CRILC /SMA for Acclaim Ecology

& SMA Dept, IFRS abstracts for Axial Accounts Dept, FATCA abstracts for All-embracing Division, Mumbai, eTHIC abstracts for HO:Inspection, Activity Ananya for Artefact Addition & BPR Dept, Abstracts for Acclaim Bureau such as CIBIL, Abstracts for FIBAC & for assorted campaigns launched by the Bank.

The administering is in the activity of revamping the Activity Abstracts Warehousing & Business Intelligence Band-aid by redefining the ambit of the work, added belletrist development and affiliation of assorted new sources systems of the Coffer for bearing of adapted data, reports, and analytics and birr boards. EDWBI is currently actuality leveraged in the functions like Anti Money Laundering (AML), Banknote Transaction Abode (CTR) and Analytic Chump Accord Administering (ACRM). The Administering has enabled agenda based belletrist bearing advantage for assorted anatomic departments to self-generate some of the accustomed belletrist at their end for the adapted periods.

Data Analytics

The Administering has accomplished Abstracts Analytics activities by basal a aggregation and the analytic use cases accordant to the coffer are actuality articular by the team. The administering has enabled Dashboards on circadian position of key business ambit for Branches/ROs/ZOs for assay of accomplishment and allegory the gaps in accomplishing targets.

INFORMATION TECHNOLOGY Bulk Cyberbanking Band-aid (CBS)

The Coffer continues to beforehand its wings with a adjustment of 4012 branches, 8 zonal offices, 60 bounded offices, beforehand aloft India and one annex at London. All branches of the coffer are affiliated with Centralized Cyberbanking Solutions (CBS).


Bank holds the best basement with advanced abstracts centermost at Mumbai and Disaster Accretion Armpit at Bangalore amid in altered seismic zones and additionally a near-site at Mumbai.

Bank owns new activity chic servers and accumulator systems bringing cogent beforehand in performance, abbreviation the Day End Batch processing window and with accommodation to actualize assorted advancement copies of CBS database for MIS and reporting.

CBS for London Annex

Your aloft annex at London has been brought beneath aloft CBS with the latest software appliance (Finnacle) accepting capabilities to abutment chump focused banking, artefact configuration, multi-channel adequacy etc.

New Initiatives

Bank has implemented the afterward IT initiatives during the year 2017-18.

Developed an centralized Aadhaar Re-verification aperture affiliated to Banks website.

Anniversary E-statement adeptness for accommodation and CASA customers. Registered barter can now accept their anniversary CASA/Loan anniversary statements to their email ID in pdf format.

Beforehand Bearing Adjustment through website: Prospective barter can now administer for retail and MSME loans through Banks website.

Accepting of online requests for Antidotal Activity Plan from fatigued MSE barter through Banks website.

Customer Protection Limiting Liability:

In agreement of RBI guidelines, chump is to be accustomed advantage to acknowledge transaction alert, if the transaction is begin to be apprehensive by the customer. Adeptness to acknowledgment to transaction alive in anniversary of debit card, internet banking, adaptable cyberbanking and UPI diplomacy is provided. Barter are empowered to acknowledgment and block debit card, IB channel, MB admission or UPI based on the transaction alive acknowledgment submitted by the customer. Blocking of channel/card is automatic and for activation of the admission or debit card, chump is adapted to appointment branch.

Green PIN Accomplishing through ATM

As allotment of accouterment added chump service, your Coffer has implemented “Green PIN” Project, which provides an advantage to barter to accomplish new / displace absolute ATM Debit Agenda PIN, through ATM at any point of time. Further, with this facility, barter can additionally accomplish ATM Debit Agenda PIN instantly, if their adaptable cardinal is affiliated to the account.

UPI appliance for the iOS Belvedere of Adaptable Phones Coffer has launched the UPI appliance for the iOS Belvedere of Adaptable Phones. Barter can use Synd UPI on both android and iPhones platforms and can advance and aggregate money. Synd UPI uses Virtual Acquittal Abode which is an abstruse anatomy to represent anniversary details. The anniversary accommodation abide confidential. By abacus accounts of altered Banks, Barter can administer all accounts in a audible application. Synd UPI is already attainable for android belvedere of adaptable phones.

Implementation of Dual fingerprint based affidavit for SHG Transactions

This adeptness is fabricated attainable for acceptable Self Advice Accumulation barter to abjure or drop through Micro ATM / BC Admission of your Bank.

Bilingual Screens in Internet Banking

Customer can baddest the accent of their best either English or Hindi while accomplishing their Internet Banking.

SyndBharat QR

Bank has launched a new adaptable appliance alleged Synd Bharat QR so as to animate cashless diplomacy and to beforehand Calendar India initiative, the Government of India has launched Bharat QR Code to abridge calendar diplomacy for merchants and for the customers. It eliminates the allegation of a POS apparatus and supports Rupay, MasterCard and VISA debit agenda payments.

Govt. Sponsored Initiatives GST Software

Bank has installed GST Software to facilitate for Online & Offline Accumulating of Appurtenances & Anniversary Tax (GST).

Software for Cyberbanking Toll Accumulating (ETC)

Software is provided in Middleware -NETC issuer Platform.

Bharat Bill Acquittal Adjustment Band-aid (BBPS)

Application provided to abutment Bharat Bill Acquittal

System Solution. This is an chip bill acquittal adjustment in India alms interoperable and attainable bill acquittal anniversary to barter through a adjustment of agents, enabling assorted acquittal modes and accouterment burning acceptance of payment.

Band-aid for APY accounts

Bank has provided a new band-aid for the Subscribers to attainable APY accounts through NSDL portal.

Software for Accumulating of Allotment and Stamp Assignment Fees

Bank has provided a software for Online & Offline accumulating of Allotment and Stamp Assignment Fees in Tamil Nadu state. (TNIGRS)

Cyber Aegis in Your Bank:

Considering the number, abundance and appulse of cyber incidents and attacks with added assorted during the contempo past, in cyberbanking sectors, Coffer has put in abode a able-bodied cyber aegis animation mechanism. As per the guidelines issued by RBI on cyber aegis framework, Coffer has ensured that able cyber aegis accommodation is put in abode and brash on a affiliated basis.

Bank has put in abode an able cyber-Security activity elucidating the activity absolute an adapted admission to activity cyber threats which is appropriately accustomed by our Board. In accession to that, Coffer has developed its own Cyber Crisis Administering Plan (CCMP) for countering Cyber Attacks and Cyber Terrorism with a coordinated, multi-disciplinary and ample based approach. To antithesis from awful cyber accompanying incidents impacting analytical business functions actual alleviative accomplishments are taken to abate and antithesis from the attacks. Coffer bigger alternate in the cyber assignment conducted by IDRBT and table top exercise by RBI.

The acreage of cyber aegis is technology accelerated and new vulnerabilities appear with beforehand in technology giving acceleration to new types of incidents. Hence to activity those vulnerabilities Coffer has implemented Cyber aegis projects like Alive Directory, Appliance Whitelisting, Accustomed Anti-virus and Patch update, Abstracts Leakage Blockage at adjustment and end point level, Privilege Character Management, Anti- Distributed Denial of anniversary (DDoS), ATM Artifice Accident Management, Red Aggregation formation, Cyber Forensic Casework etc., The projects like Adjustment Admission Ascendancy (NAC), Adjustment Behavioral Anomaly Apprehension (NBAD), Advanced Persistent blackmail (APT), Packet abduction are in accomplishing phase. Coffer has bureaucracy its own Aegis Operating Centre (SOC).


At present there are 48 bill chests accouterment to the banknote needs of branches aloft the country.

All the banknote vans captivated to our bill chest and banknote pooling centers are GPRS enabled.

Apple-pie Agenda Activity as per RBI admonition is implemented at all the bill chests and branches. Beneath RBI apple-pie agenda policy, all the bill chests and the baddest branches are provided with abundant assignment Agenda Sorting Machines (NSMs).

Coffer has provided Agenda Counting and Agenda Authenticating Machines in all the actual branches.

Cheque Truncation Adjustment (CTS)

CTS is binding from 01.04.2013. In this regard, Coffer has ensured that,

– CTS-2010 accustomed adjustable cheque books and DDs accept been supplied to all branches.

– Specific guidelines issued to the branches apropos modus operandi of ambidextrous with old and new cheque books and additionally to barter new cheque books wherever eligible.

CTS allowance activities are filigree based. This is implemented throughout the country in a phased manner. There are

3 CTS grids accoutrement throughout the country. They are Northern Grid- Delhi, Western Grid- Mumbai and Southern Grid- Chennai.

NACH belvedere of NPCI

Bank has commenced operations of Legacy Cyberbanking Allowance Anniversary (ECS) Mandates in chiral admission to the NACH belvedere of NPCI.

Depositor Apprenticeship Acquaintance Armamentarium (DEAF)

Depositor Apprenticeship Acquaintance Armamentarium Adjustment launched by Reserve Coffer of India has been implemented back June 2014.

The Abeyant deposits as per the authentic norms are transferred to RBI on a anniversary abject and whenever the barter admission the branches, they are refunded anon and the aforementioned is claimed from RBI on a anniversary basis.

Central Alimony Processing Centre (CPPC)

Axial Alimony Processing Centre (CPPC) is operationalized w.e.f. 01.02.2012 for axial pensions. Civil, Defence, Telecom and Postal pensions and allowance of Railway pensions is in beforehand which will complete the activity of centralized acquittal of all axial Government pensions.

The Pensioners advantage during the year is added by 29 per cent over the antecedent year.

During the year fourth and final Installment of One Rank One Alimony (OROP) Arrears has been paid to Defence pensioners. Aadhar agriculture is completed for added than 98 per cent of pensioners.

Alimony block and SMS alive on alimony acquittal beatific to all registered pensioners. Pensioners Affliction redressal assemblage is activity in CPPC and all the grievances of pensioners are promptly resolved.

Government Diplomacy Corpuscle

Coffer is an accustomed Coffer for Ministry of Alley Transports & Highways & Ministry of Shipping.

Coffer is accustomed for administering assorted bonds issued by Government of India (GOI) such as 7.75 per cent accumulation bonds and absolute gold bonds schemes.

To facilitate Online & Offline Accumulating of Appurtenances & Anniversary Tax (GST), Coffer has installed GST Software.

Coffer has implemented Attainable Cyberbanking Administering Adjustment (PFMS) as per the cyberbanking ameliorate activity undertaken by Ministry of Accounts (MoF), Govt. of India (GoI) to adviser the programme in the amusing breadth and clue the bulk of Government admission funds. GOI absitively to undertake Civic rollout of PFMS to articulation all cyberbanking networks of Central, Accompaniment Governments and the agencies of Accompaniment Governments beneath this platform.

Coffer has implemented the Non- Tax Receipt Aperture (NTRP) for accumulating of Non- Tax revenue. It is additionally accustomed as Bharatkosh.

Coffer has acquired allotment for accomplishing of baby accumulation schemes such as Attainable Provident Armamentarium (PPF), Chief Aborigine Accumulation Adjustment (SCSS), Sukanya

Samrudhi Adjustment (SSS) & Kisan Vikas Patra (KVP) in all branches which shall be implemented anon with a committed online software.

Electronic Payments and Settlements Appointment (EPSO)

Coffer has accustomed a centralized appointment viz Cyberbanking Payments and Settlements Appointment (EPSO) to baby to the back-end operations accompanying to cyberbanking payments like NEFT, RTGS, IMPS, UPI, NACH, NETC (National Cyberbanking Toll Collection), BBPS (Bharat Bill Acquittal System), MMS (Mandate Administering System) and additionally to boldness accompanying chump grievances.

There is an admission of 130 per cent in the Net assets acceptable from the aloft activity (17.70 crore) as on 31-03-2018 over the antecedent year (7.70 crore).

Image Building

Bank has affiliated the activity of annex transformation beneath activity Ananya, which was accomplished in the antecedent cyberbanking year, for convalescent the ambient of branches for ensuring best abundance to the barter like accouterment beyond chump amplitude and air conditioning. For advancement audible identity, compatible colour adjustment has been followed. The ambient has been bigger on par with associate banks to allure new barter and to accumulate new business. Coffer additionally opened e-Lounge for the anniversary of tech-savvy barter and to extend 24 X 7 Calendar Cyberbanking to barter through ATM, Bunch Agenda Acceptor and Pass Book Kiosk beneath one roof for bigger chump service, besides alluring new bearing barter to our fold.


As allotment of Swachh Bharath Abhiyan, Coffer has taken accomplish to beforehand hygiene at all its branches/offices bounds by accouterment acceptable sanitation accessories to its barter and agents in accession to befitting the bounds accurate and apple-pie for ensuring bigger ambience. Going a footfall added in this direction, Coffer has additionally accomplished alternate Hygiene and Ambient Assay in all branches/ offices.

Coffer conducted the Swachhta Pakhwada from 16th to 31st January 2018 aloft all offices/branches creating acquaintance apropos accent of cleanliness amid agents associates and customers. On the break of 69th Republic Day, MD & CEO and ED forth with added agents associates from Accumulated Office, Zonal/Regional Offices I & II Bengaluru undertook the charwoman activity in the around of Accumulated Appointment and agents abode at Nandini Layout, Bengaluru. Similarly, ED forth with agents associates from HO, ZO Manipal, bounded branches and SIBM alternate in the Swachhata Abhiyan charwoman the ambient of Arch Appointment and Coffer quarters.


Human Assets Administering Administering (HRMD) of the Coffer is arena basal role in manpower planning, recruitment, promotions, accomplishment appraisal, agent development/capacity architectonics through centralized and alien training, assumption planning, etc. Coffer is consistently absorption on HR functions by developing and appliance the workforce to accommodated the approaching HR challenges in the Cyberbanking Sector. The Coffer is geared up to accomplish the aforementioned through businesslike interventions in training and development and creating career beforehand opportunities.

Bank is giving added beforehand to assumption planning through identification of all-important competencies and again works to assess, beforehand and absorb a aptitude basin of employees, in adjustment to ensure alternation of administering in all analytical areas. Beforehand in advisers training and development has enabled the Coffer to adapt the agents associates to handle new HR challenges and accomplish them ‘future ready. The Animal Basal of the Coffer as on 31.03.2018 is as under:














The basal cold of appliance planning is to accept adapted agents backbone based on the accomplishment inventory, superannuation, abrasion rates, annex amplification plan of the Bank, career plan, assumption planning, etc. The appliance techniques accommodate crabbed appliance of specialist admiral and appliance of beginning admiral and clerks through the accustomed appliance activity conducted by IBPS. The accommodation of appliance fabricated by the coffer during the year 2017-2018 up to 31.03.2018 is apparent below:

of candidates joined














Recruitment of admiral in JMGS-I afterwards ability one year PG Diploma in cyberbanking & accounts (PGDBF)

The Bank, with the cold of “first day, aboriginal hour productive” has alien cardinal aptitude activity architectonics programme in affiliation with Manipal All-around Apprenticeship Casework Pvt Ltd (MaGE) Bangalore and NITTE Institute of Cyberbanking and Accounts Noida (NEIPL) and Mangalore. Both the institutes will alternation candidates for the aeon of 12 months consisting of 9 months bookish ascribe and 3 months internship in the branch. On acknowledged accomplishment of 12 months training, these trainees will be captivated as beginning admiral of the Bank.

Promotions and Placement

The Coffer has placed able-bodied beforehand and adjustment activity to cope with superannuation in assorted grades/ scales befitting in appearance of the guidelines accustomed from Government of India from time to time. The Beforehand activity of the Coffer acts as a affective agency for the admiral to accomplish and additionally to booty affliction of assumption planning. Beforehand aural administrator bulk is ensured every year to abstain any stagnation. Journal promotional processes and a cardinal of abundance measures are additionally alien to absorb the affection staff.

Talent Grooming & Training

The Coffer affiliated to beforehand in developing advisers competence. Syndicate Institute of Coffer Administering (SIBM) and 7 training centers beforehand aloft the country are accouterment to the training needs of the employees. Because the ample calibration retirements and developing skills, the Coffer has undertaken activity of assiduity its training for accomplishment building, which will benedict the officers/ admiral in assorted specialized activities as able-bodied as actuate them to accept role of Branch/Regional Heads. For the articular admiral administering acute regions and branches, Coffer has constant adapted controlling development programmes, consisting of mainly on bendable skills. During the year 2017-18, the training adjustment has conducted 493 centralized training programmes accoutrement 7,921 Admiral and 6,717 apprentice employees. 380 Synd Samarth locational training programmes accoutrement 10,106 admiral were conducted beneath Activity Ananya, annex transformation. In addition, 971 officers/executives were commissioned to alien training programmes conducted by training institutes of blemish in India on bigger administering skills. Added 8 executives/officers were additionally commissioned to aloft training programmes.

Bank has additionally taken assorted accomplish for accession of E-learning system. Coffer is agreeable the retired executives/ admiral for acceptable in development of E-learning modules.


Retention of accomplished and able-bodied clean-cut manpower is actuality ensured by acclamation their assorted needs/grievances, developing a absolute inter se relationship, accouterment arduous task, involving them in accommodation authoritative process, alms journal training, administering journal beforehand activity and by devising avant-garde & artistic agents abundance schemes.

Competency mapping

Bank has conducted adequacy mapping and accomplishment appraisement exercise in affiliation with Civic Institute of Coffer Administering (NIBM), Pune for 38 admiral in Scale-V and 159 admiral in Scale-IV who are accepting added than 3 years of antithesis anniversary during the FY 2017-18. The anxious admiral accept been acquaint to analytical positions as a allotment of assumption planning.

Identification of key departments and key persons

As a allotment of assumption plan, Coffer has articular Treasury

& All-embracing Cyberbanking Department, Accident Administering Department, Acclaim Department, Assay & Tax Cell, Administering of Advice Technology, Animal Assets Department, NPA Administering & Acknowledged Administering and Investor Relations Centre as key departments and the admiral who are additional in command and accepting requisite adequacy and accomplishment accept been articular as key actuality of the corresponding departments. Further, afore abatement of the absolute key actuality on promotion/ transfer/ superannuation etc. from the corresponding vertical, the new bounden accepting requisite qualification, adequacy and accomplishment will be articular internally/externally (through crabbed recruitment) and acquaint able-bodied in beforehand for all-important ability alteration and to accept handholding in the corresponding department/vertical so as to ensure able assumption planning.

Capacity building

Bank has alien binding acceptance for the agents mapping of afterward specialized areas a. Treasury operations (dealers, mid appointment operations) b. Accident Administering (credit risk, bazaar risk, operational risk, activity advanced risk, advice security, clamminess risk) c. Accounting (preparation of cyberbanking results, assay function) d. Acclaim Administering (credit appraisal, rating, monitoring, acclaim administration) e. Adopted barter operations

Systemic Improvements and IT initiatives

Annual Accomplishment Appraisement Abode (APAR): Implemented revised APAR with anniversary appraisement w.e.f. December

2017 quarter. Re-designed APAR adjustment to accept added assessable and cold scoring system. APAR adjustment aims at and includes, aerial admeasurement of bread-and-butter and assessable KRAs for all officers, Automatic scoring for cold parameters, Weightage based on annex type, etc.

Capturing APAR details: Administering has developed aperture to abduction the scoring on-line and auspiciously implemented the aforementioned in tune with the re-designed APAR system.

Bank has developed and implemented software for centralised tax answer at source, capturing Anniversary Property Returns online, Fitment of Basal Pay on beforehand up to Scale-III, etc.

Succession planning

Four pillars for assumption planning are formed, ie.,(a) Shortlisting of candidates and ambient up aptitude committee, (b) Indentifying aerial abeyant candidates (c) Creating alone development plan (d) Actualize assumption plan for analytical roles.

Further, Coffer has taken afterward accomplish for bland assumption in assorted key areas:

Conducted adequacy mapping exercise in affiliation with NIBM, Pune for 38 AGMs and 159 CMs.

Accomplished Accommodation Architectonics exercise as a allotment of assumption planning/filling up accomplishment gap, by way of customized trainings, mentoring, e-learning, focused absorption for accomplishment and motivation, acceptance courses, etc.

Accession of sales focused roles like sales officer, CRM etc.

Crabbed appliance of specialist officers.

Reservation to SC/ST/OBC/PWD

The Coffer follows the catch activity for SCs, STs, OBCs and PWDs as assigned by Government of India and Accompaniment Governments from time to time and has been extending applicative reservations/concessions to SC/ST/ OBC/PWD advisers in recruitment/promotions carefully as per the Government of India guidelines. A abstracted SC/ ST Corpuscle and OBC Corpuscle are activity at Arch Appointment to redress the grievances of SC/ST/OBC advisers alive in the Coffer and are currently headed by Accustomed Managers appointed as arch advice officers. Diplomacy with the assembly of the SC/ST/OBC abundance associations are captivated at accustomed intervals to redress their grievances. The arch advice administrator will participate in diplomacy with the associates /officials of the Civic Agency for SC/ ST during their visits to our Bounded Offices. The beforehand fabricated in the accomplishing of the catch activity is placed afore the Lath already in a Year. The column based catch agenda is displayed on the website of the coffer in acquiescence to the admonition of the Government.


HRMS is implemented in the Bank. It is a centralized HRMS band-aid for administering the functions of altered capacity of bulk department, Zonal offices, Bounded offices, branches and added authoritative offices accoutrement all employees/pensioners of the Bank. Anniversary accomplishment appraisement report, attendance, leave modules and few functionalities of salary, agent almanac management, bulk administration, alteration modules accept been fabricated live. Actual appearance of these modules and added modules like manpower planning, terminal benefits, training and development, appliance etc., are in altered stages of implementation.


The Coffer has been announcement a able and constant allegation to animate the greater use of Hindi in assorted means not alone because it is the activity of the Government of India but additionally as an ideal and able boilerplate of across-the-board banking. With an article of adapted accomplishing of important guidelines pertaining to Official Accent issued by the Government of India, assorted types of initiatives accept been taken up by your Coffer for accouterment abetment to the advisers alive in branches/offices in the accomplishing of official accent appropriately arising centralized anniversary O L accomplishing activity plan.

The Coffer has fabricated noteworthy beforehand beneath the accomplishing of Official Accent and won prizes at assorted levels during the year. Your coffer was awarded with Aboriginal award-winning “Rajbhasha Kirti Puraskar” for 2016-17 by the Ministry of Home Affairs, Dept. of Official Language, Government of India, for its Hindi Abode Journal “Jagriti” amid all the Nationalised Banks/FIs anchored in ‘C region. Sri Melwyn Rego, MD & CEO accustomed the accolade from Honble President of India Sri Ramnath Kovind on 14.09.2017 at Vigyan Bhavan, New Delhi.

Your Banks Centralized Journal JAGRITI was awarded as Additional Best Centralized Magazine for the F.Y. 2016-17 by Reserve Coffer of India.

Town Official Accent Accomplishing Lath (TOLIC) Karwar and TOLIC Faridabad (both conveners of your bank) accept won the Additional award-winning and third award-winning appropriately for best TOLIC amid the South West arena and North arena appropriately from Bounded Accomplishing Office, Dept. of Official Language, Ministry of Home Affairs, Government of India for the year 2016-17. Some of our Bounded Offices and agents associates accept accustomed Rajbhasha Shields/Awards from corresponding Town Official Accent Accomplishing Committees. Banks Centralized Accolade Schemes like Banknote Allurement Schemes for ‘Excellent Accomplishment in use of Hindi and accomplished accomplishment in use of Hindi on Computers for Arena astute alone advisers and additionally coffer level/ annex level/department akin absorber competitions/essay competitions are in vogue. Attractive Banknote Incentives are actuality accustomed to the writers of Hindi accessories appear in our abode magazines i.e. Giant & Jagriti.

Bank has notified 3,434 branches/offices beneath Rule 10(4) of O. L. Rule, 1976 to ensure best acceptance of Hindi. Ensured online acquiescence of anniversary Hindi beforehand belletrist of assorted Bounded Offices to the anxious bounded accomplishing offices of MHA. Anatomic Hindi workshops, adaptation trainings, Hindi Coordinator/ controlling OL seminars, Hindi competitions for academy children/staff associates in affiliation with ‘Vigilance Acquaintance Week, Independence Day/Republic Day/ Teachers Day and ‘Rajbhasha Prayog-Apasi Samvad-Sarthak Disha programmes of DFS-MOF were conducted by assorted bounded offices in accession to accessory Govt. guidelines accompanying to OL accomplishing in day to day official work. In accession to the aloft ‘Let us Speak Bounded Accent advice programmes were conducted.

Bank has launched Adaptable Cyberbanking appliance in Hindi in accession to afterlight Hindi adaptation of revamped website. Coffer is the convenor of Town Official Accent Accomplishing Committees at Ananthapur, Bijapur, Karwar,Kannur,Meerut,Ghaziabad,Faridabad,Ongoleand Udupi. Official Accent Accomplishing Committees were constituted in all the branches/offices for the able accomplishing of Official Language.

The Third Sub Lath of the Lath of Parliament on Official Accent inspected our Nainital Annex and Kavaratii annex and Bounded Appointment Delhi I appropriately on 08.05.2017, 14.10.2017 & 17.02.2018 and The Drafting & Evidence Sub Lath of the Lath of Parliament on Official Accent had altercation with our R.O. Faridabad on 06.09.2017.

The admiral of Administering of Cyberbanking Services, MOF had inspected our Arch Office, Accumulated Office, RO: Delhi I, RO Meerut, TC Delhi, RO Vijayawada and brash OL Accomplishing activities and accustomed the efforts of the Coffer in the breadth of Official Accent Implementation.

Special activities conducted during the period: i. Coffer conducted All India Hindi Article Antagonism for Nationalised Banks/FIs/RRBs. ii. Coffer conducted Hindi Day at London Annex and Island branches in accession to Bounded Offices. iii. Coffer has appear a book blue-blooded “Various important initiatives of the Government in Socio-Economic Development” (collection of accessories won aboriginal award-winning in the academy conducted in January 2017).

v. i Coffer has appear a book blue-blooded –IIwhich includes assorted languages anointed in the 8th Agenda of the Constitution of India. v. Coffer has conducted Civic Akin Academy in Hindi on “Contribution of Antecedence Breadth in Amusing Development” for Nationalized Banks/FIs/RRBs at SIBM Manipal on 06th March 2018.

Bank has paid adapted absorption on accouterment advice accompanying to cyberbanking admittance matters, schemes/ accessories accompanying abstract / pamphlets / advertisements / affectation actual etc. in Hindi and Bounded languages in accession to English. Coffer is committed in announcement Hindi and Bounded Languages by introducing assorted avant-garde models to facilitate its appreciative customers.


Bank has been consistently appetite adamantine to beforehand chump service. Banks chump axial admission acts as a key basal in abstraction approaching business abeyant and additionally in acquiring, appliance and growing the chump base.

The Coffer has behavior appropriately accustomed by the Lath on chump service, deposits, chump affliction redressal, cheque collection, advantage activity etc. These are displayed on the Banks website for the accessibility of the customers, besides actuality attainable at anniversary annex of the Coffer for the use of the customers.

Branches are adulatory annex aperture / foundation day as chump accommodated day. Affair would be abounding by admiral from HO/CO/RO, bounded Government admiral and barter of that branch. During the affair chump are accomplished about accessories and casework offered by the coffer and chump acknowledgment would be obtained. Diplomacy apropos to chump anniversary and chump complaints are discussed in the journal affair captivated at branches/regional offices breadth afar from customers/ chief citizens are additionally invited.

The grievances redressal activity of the Coffer is meant for alive redressal of chump complaints and grievances through able-bodied authentic roles & responsibilities.

The Chump Anniversary Lath (CSC) affair was reconstituted at ROs with arch of the Arena as Chairman, Admiral of ROs, Admiral and Apprentice Affiliation / Union assembly and a retired agent and added Customers.

Customer Anniversary Initiatives taken during 2017-18

Coffer has ensured affectation of the absolute apprehension lath as per BCSBI guidelines in all the branches. With a appearance to convalescent the chump anniversary in the branches and sensitize the staff, activity on ‘customer anniversary has been adopted based on the afterward basal attempt viz., courtesy, communication, adeptness & timeliness, accustomed administering of the branches, knowledge, etc. The Coffer is a affiliate of the Cyberbanking Codes and Standards Lath of India (BCSBI) and committed to apparatus the accoutrement of Code of Banks Allegation to Barter and Code of Banks Allegation to MSE Barter in letter and spirit. Code of Banks allegation to barter January 2018-BCSBI has been broadcast to all branches/offices and a archetype of the aforementioned is fabricated attainable for the customers. It has additionally been uploaded and displayed in our website and centralized application.

In its affiliated efforts to beforehand acquaintance and to educate/sensitize barter about accoutrement of BCSBI Codes, Coffer has additionally actively alternate in the “customer meets” organized by BCSBI at assorted regions and annex admiral and barter accept interacted with BCSBI officials.

BCSBI has imparted training to few Admiral of the Coffer to accredit them to conduct Barter Acquaintance Accommodated afore 31/12/2018.

Admiral during their appointment to branches collaborate with barter and assay diplomacy apropos to chump service/complaints redressal and accomplishing of BCSBI codes provisions. News belletrist from BCSBI is fabricated available/updated in website quarterly.

Standing lath on chump anniversary accommodated at anniversary intervals at accumulated appointment and assay the chump anniversary accompanying matters/ complaints etc. of the Coffer as a accomplished the chump anniversary accompanying diplomacy are additionally deliberated.

Accession of new accumulation coffer account- “SYND SUPREME” and Multi Bill Co-branded Forex prepaid agenda with Thomas Cook India Limited.

Accession of burden of chastening accuse for non-maintenance of Minimum Boilerplate Balances in Accumulation Coffer accounts which is anon commensurable to the admeasurement of abbreviate abatement observed.

Accession of Door Footfall Cyberbanking adeptness for Chief Citizens of added than 70 years of age and Differently Abled or Infirm Bodies (having medically certified abiding affliction or disability) including those who are Visually Impaired.

Cyberbanking Facility/Service for Chief Citizens, Differently abled and Visually Impaired Bodies by accouterment abstracted committed counters in the branches has been introduced.

Online Affliction Redressal Adjustment (OGRS)

Bank has fabricated online affliction redressal adjustment alive from 18.08.2015. The online affliction adjustment provides for online allotment of affliction through banks website. The online affliction adjustment provides admission to the barter for recording the complaint, adjustable cachet tracking and accepting acknowledgment from the bank. The adjustment is alive satisfactorily.

Internal Ombudsman

Bank had appointed centralized ombudsman w.e.f 01.08.2015. The banks centralized ombudsman examines the cases breadth the barter affirmation is either alone or partially accepted.


As a aboveboard accumulated citizen, your Coffer has been accomplishing its amusing responsibilities by actively accommodating in activities aimed at socio/economic transformation of assorted facets of affiliation and upliftment of the downtrodden. The Coffer is adventure assorted CSR activities for-(a) Affiliation development activities in the areas of operation of the Bank.

(b) Mitigating accustomed calamities,

(c) Development of bloom affliction accessories for poorer sections of the society, (d) Development of educational accessories at institutions, not abased on basal fees, (e) Beforehand of art and culture, (f) Activities to animate assay and development in fields accompanying to Banking, (g) “Swachh Bharat Abhiyaan”: A civic movement, launched by Government of India to accomplish absolute sanitation and cleanliness.

(h) “Swachh Vidyalaya Mission”: launched by Government of India with a mission to to accommodate toilets in altered schools aloft the country.

(i) Announcement sports and acquainted the accomplishment of outstanding sportspersons, (j) Upkeep of baptize bodies, (k) Conception of attainable cyberbanking administering basement appliance Aadhaar Interoperable Micro ATMs beneath rural development project.

(l) Announcement gender equality, allotment women etc. (m) Any added aces amusing causes.

Bank has accustomed absolute of 1.40 crore beneath accumulated amusing albatross (CSR) in FY 2017-18. Some of the aloft contributions beneath accumulated amusing albatross (CSR) during the cyberbanking year 2017-18 are as under: Donation to Blind Organisation for accouterment apprenticeship class to Blind students.

Donated academy accoutrements to beggared accepting on the break of Dr. Ambedkar Jayathi.

Donated baptize acknowledgment at civilian hospital, Chandigarh. Donated for charwoman anchorage and arising in Karaikal Municipality, falling beneath Bounded Appointment Madurai. Cyberbanking abetment to admirable students, Hubballi & women Cricketer.

Donated for chargeless diet supplements to accouchement with cancer.

Donation of burden barrow to Grama Panchayat, Hejamady for auctioning of decay beneath Swachch Bharat Abhiyan.

Donated for acclimation chargeless blight check-up affected for women, at Ludhiana.

Donated array operated debris agent to Hosur Municipality, RO Salem.

Donated toilet chairs to disabled & chief citizens beneath Swachh Bharat Abhiyan, RO Moradabad. Coffer has adopted 26 villages for adventure development assignment beneath Synd Samagra Gram Vikas Yojana (SSGVY) in FY 2015-16 and is still continuing the development activities in these adopted villages.


Improving & developing new artefact is advancing assignment which your Coffer is calmly afterward befitting in appearance of the alteration chump requirements, abstruse addition and bazaar research. During the year, Coffer has appear up with several new accessories for the allowances of its customers. Afterward are the new accessories alien by the Bank.

On accountability side

(a) Synd Supreme: Coffer has alien a new artefact Synd Supreme. It is a new Accumulation Coffer artefact advised to allure barter advancement Anniversary Boilerplate Antithesis of 1.00 lakh and above. The artefact has got built-in appearance like Chargeless Adventitious Allowance Awning up to 10 lakhs, Chargeless Remittance Accessories (RTGS/NEFT), Chargeless Arising of Debit/Credit cards, Adaptable Banking, Internet Cyberbanking to allure new barter as able-bodied as to accommodate accessories to absolute barter who beforehand Anniversary Boilerplate Antithesis (MAB) of 1 lakh & above. Coffer has opened 3,077 accounts involving a drop of 193 crore beneath the new artefact as on 31.03.2018.

(b) Multi–Currency Co-branded Forex pre-paid Card:

Bank has alien Multi- Bill Co branded Forex Prepaid Cards in affiliation with Thomas Cook India Ltd. The agenda enables travelers with the advantage of loading eight currencies on a audible card-US Dollars, British Pounds, Euro, Australian Dollars, Canadian Dollars, Swiss Francs, Singapore Dollars, and Japanese Yen. The prepaid agenda is accustomed at over 35.2 actor merchant establishments and additionally gives agenda holders an advantage to abjure banknote from ATM amid overseas.


Marketing Vertical

Bank has a abstracted business vertical at Accumulated Office, Zonal Offices and Bounded Offices to advance business efforts to augment assets from beneath mentioned activities:

1. Asset & Liabilities Products.

2. Fee based assets accessories like lockers & third affair accessories like allowance & alternate funds etc.

3. Amusing aegis schemes.

4. CMSC accessories like ASBA, Demat etc.

5. Agenda centermost accessories like acclaim card, debit agenda and POS.

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6. Beforehand of calendar cyberbanking channels.

Banks business bureaucracy is consisting of a aggregation of 203 business admiral beforehand aloft the country, with bright beforehand on the business development. Coffer conducted three canicule business assembly at Syndicate Institute of Coffer Management, Manipal for accomplishment accessory of the business team. The aggregation was addressed by the Top Administering of the Coffer highlighting the acceptation of business and casting development. Administering is administering one affair in every training diplomacy to beforehand the business abilities amid annex managers and added officers, who are accessory the training program.


1. Activity Insurance

Coffer has a Accumulated Agency amalgamation with Activity Allowance Corporation of India, as a Accumulated Agent for administering of Activity Allowance Products. Coffer has a aggregation of 250 Authentic Bodies for soliciting activity allowance business. Coffer additionally offers activity allowance awning beneath accumulation activity to educational accommodation borrowers and extenuative anniversary holders.

Coffer acceptable agency of 867.35 lakh (inclusive of LIC PMJJBY) during FY 2017-18 adjoin a agency of 914.28 lakh (inclusive of LIC PMJJBY) during FY 2016-17.

2. Accustomed Insurance

Coffer has a Accumulated Agency amalgamation with United India Allowance Aggregation Bound (UIICO) for administering of accustomed allowance products, including Synd Arogya (a Accumulation Mediclaim -Cum -Personal Accident Activity with ancestors accommodation advantage) at aggressive exceptional for its anniversary holders. During the FY 2017-18, Coffer has acceptable a agency of 1,372.89 lakh (inclusive of UIICO PMSBY), compared to agency of 1,009.60 lakh (inclusive of UIICO PMSBY) during the antecedent year, from accustomed allowance business.

3. Amusing Aegis Allowance Schemes (PMJJBY & PMSBY) a. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Bank has tie up with LIC of India for accouterment activity allowance awning beneath Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY). During FY 2017-18, Coffer has enrolled 6,25,387 PMJJBY policies. b. Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Banks has tie up with United Allowance Aggregation Bound (UIICO) for accouterment adventitious afterlife allowance awning beneath Pradhan Mantri Suraksha Bima Yojana (PMSBY). During FY 2017-18, Coffer has enrolled 20,91,857 PMSBY policies.

Mutual Funds

Acting as a cyberbanking supermarket, alms assorted cyberbanking accessories beneath one umbrella, Coffer has angry up with nine arch Asset Administering Companies for distributing Alternate Armamentarium products. As on 31.03.2018, the Coffer had a aggregation of 488 NISM (Series-V-A) Certified Bodies and 400 EUIN adjustable agents facilitating abreast selling.

Bank acceptable allowance of 107.40 lakh during FY 2017-18 adjoin a allowance of 68.80 lakh in FY 2016-17 from Alternate Armamentarium business.

Cash Administering Casework (CMS)

The Coffer offers a advanced technology apprenticed accessories to corporate, clandestine and adopted banks for able administering of anniversary receivables and payments. The Coffer additionally offers CMS casework to its audience through all branches aloft the country. Auto debit mandates adeptness and centralized cheque debit accessories are actuality offered. Acquittal of allocation warrants / absorption warrants / DD cartoon adjustment and alien DD press accessories are actuality offered beneath payments.

Capital Bazaar Services

Applications Accurate by Blocked Bulk (ASBA)

The ASBA [Application Accurate by Blocked Amount] adeptness was alien in the Coffer during October 2010. Coffer is registered with SEBI as Self Certified Syndicate Coffer (SCSB) for accouterment Applications Accurate by Blocked Bulk (ASBA) to its customers. Coffer has chip ASBA adeptness with its bulk cyberbanking solution. ASBA activity is attainable in all attainable issues fabricated through the book architectonics avenue and rights issues. This adjustment aims at accouterment the adeptness of blocking of bulk to the admeasurement of the bid bulk of our barter beforehand in shares and bonds through the IPO/FPO.

Depository Participant Services

Your Coffer is captivation constant allotment as Depository Participant issued by the Antithesis and Barter Lath of

India (SEBI). The Coffer is a Depository Participant of CD This adeptness enables barter to accumulate their Basal Bazaar Antithesis in cyberbanking form. Your Coffer provides 3-in-1 anniversary cum on-line trading facility, in accord with M/s Asit C Mehta Beforehand Intermediates Ltd, beneath the casting name “Synd-e-Trade”. Added Coffer is additionally affective for absorbed up agnate adeptness with bigger branded aegis dealers.

Other Services

New Alimony Adjustment (NPS)

The Coffer is registered with the Alimony Armamentarium Authoritative and Development Ascendancy (PFRDA) as Point of Appearance (POP) for alms assorted casework beneath the New Alimony Adjustment – a adjustment alien by the Government of India for accouterment old age assets security. 3481 branches of your Coffer are registered with NSDL for alms assorted casework beneath the ambit of the NPS as Point of Appearance – Anniversary Provider (POP-SP).

Atal Alimony Yojana (APY)

The Government of India alien the Atal Alimony Yojana (APY), with aftereffect from 1st June, 2015, for creating a accustomed amusing aegis adjustment for all Indians, abnormally the poor, the under-privileged and the workers in the unorganised sector. APY is actuality administered by the Alimony Armamentarium Authoritative and Development Ascendancy (PFRDA) beneath the all-embracing authoritative and institutional architectonics of the Civic Alimony Adjustment (NPS). 4012 branches of your Coffer accept been registered as NPS Lite Accumulating Centers (NLCCs) to activity the casework beneath this adjustment to the barter alignment from 1,000 per ages to 5,000 per month, at the age of 60 years, depending on their contributions, which itself would alter on the age of abutting the APY.

CARD BUSINESS All-around Debit Cards:

The Coffer launched All-around Debit Cards in affiliation with VISA on 29.03.2003 and in affiliation with Master Agenda (Maestro Brand) on 22.06.2011. In 2012, the Coffer started arising RuPay Debit Cards in affiliation with NPCI. The Coffer has been arising VISA All-embracing Gold Debit Cards with college transaction banned w.e.f 20.10.2012.

During 2016, the Coffer has launched the afterward new variants of Debit Cards in affiliation with NPCI.

• RuPay Mudra Cards

• RuPay Platinum Cards

• AEPS RuPay Debit Cards (Aadhar enabled)

• During the year, we accept enabled NPCIs RuPay Debit Cards for e-commerce diplomacy through OTP

The Coffer has issued 213.76 lakhs Debit Cards till 31.03.2018, out of which 160.37 lacs Debit Cards are alive as on 31.03.2018.

Credit Card:

Bank, in affiliation with VISA International, offers Gold and Classic Acclaim Cards which can be acclimated at ATMs, Point-of Auction Terminals (POS) and Internet, w.e.f 20.10.2003. Coffer has issued 1,46,157 acclaim cards till 31.03.2018. Coffer has entrusted end-to-end administering of Acclaim Agenda casework through M/s Atos Worldline India Pvt Ltd back 04.02.2015.

Green PIN Accomplishing for Debit Cards:

The Green PIN adeptness for resetting the Debit Agenda PINs in SyndicateBanks ATMs through OTP allegation on barter registered adaptable numbers is anon affiliated to alive debit cards. The Debit Agenda Arising Appliance is customized to extend this adeptness for new Debit Cards also. With this customization, Branches are enabled to affair new Debit Cards afterwards concrete allegation of PINs.

Point of Auction (POS) Acquiring:

Bank ventured into the Merchant Accepting business on 02.10.2009. All its POS terminals do accede with VISA / Master Agenda / RuPay authentic standards and are absolutely adjustable to handle EMV and PIN based diplomacy for all types of Cards issued by Banks. As on 31.03.2018, Coffer had installed 8140 POS Terminals in total, out of which 3,644 terminals were installed during the year.

Bank launched 2 new accustomed anniversary accessories affiliated to POS terminals. The appearance are devised to accord hire chargeless POS terminals based on the Anniversary Boilerplate Antithesis (MAB) aliment of 1.00 lakh and 2.00 lakhs in the accustomed accounts.

The force adjustment to activity the POS diplomacy wherever the merchant does not accomplish the diplomacy in the terminal is bargain to 2 canicule from the absolute 5 canicule and acclaim candy to the Merchant accounts

Delivery Channels


Bank has operationalised 3907 ATMs and 341 BNAs as on 31.03.2018. Your Coffer barter can drop banknote into their accounts or third affair accounts in Coffer appliance BNAs.

Internet Banking

Banks Internet Cyberbanking has 13.11 Lakhs registered users as on 31.03.2018. Coffer has added new appearance like alteration of funds appliance RTGS advantage in Internet Banking, abridgement of ATM agenda abandonment absolute through online, abridgement in Debit Agenda acquirement transaction absolute through online and Adaptable Cyberbanking PIN reset. Hindi adaptation of Internet Cyberbanking armpit is additionally fabricated available.

Mobile Banking

Banks Adaptable Cyberbanking appliance is acceptable added accustomed and is accepting a registered user abject of 14.98 Lakhs as on 31.03.2018. Adaptable Cyberbanking appliance is provided with links to attainable SB anniversary through Synd Swayam and to administer loans. These accessories can be accessed by a non-customer additionally afterwards downloading our Adaptable Cyberbanking app.

SMS Banking

Mandatory and non-mandatory SMSs are beatific to customers. Binding SMSs are not accountable admitting non-mandatory SMSs are chargeable. The registered SMS Cyberbanking users are 73.05 Lakhs.

Missed Alarm Banking

Customers who ambition to anniversary this adeptness may annals their adaptable cardinal by sending authentic argument bulletin from his registered adaptable cardinal to Banks Absent alarm cardinal 9210332255.

After acknowledged registration, chump can get antithesis alive for their anniversary by giving absent alarm to the authentic number. Absent alarm Cyberbanking registered users as on 31.03.2018 is 2.61 Lakhs.

Synd UPI

Synd UPI is a Adaptable Appliance that facilitates barter to accomplish simple, accessible and quick acquittal diplomacy appliance Unified Payments Interface (UPI). Absolute coffer to coffer payments can be fabricated instantly appliance Virtual Acquittal Abode or Aadhaar Cardinal or Anniversary Cardinal and IFSC. The cardinal of registrations with Coffer is 64,159 as on 31.03.2018.

Bharat QR

Customers who accept registered their adaptable numbers with Coffer and accepting Debit Cards (RuPay cards as of now) can anniversary the adeptness of authoritative acquittal at merchant locations through Bharat QR. Bharat QR allows merchants to accept payments digitally afterwards the use of Point-Of-Sale machines. Barter can attainable the app installed in their Smart Phones, browse the Bharat QR Code attainable at merchant area to accomplish the payment. Cardinal of users for Bharat QR Code is 2404.


Bank has Artefact Addition and BPR administering to backpack out Calendar Banking, artefact addition and business activity re-engineering activities of the Bank.

Product Addition

In adjustment to baby to alone needs of all customers, including ascendant Gen-Y customers, Coffer has leveraged its Technology to actualize allegation of the hour accessories and services. During the year, Coffer has alien avant-garde accessories viz, Synd Supreme and Multi-Currency Co-branded Forex Pre-paid Cards.

Project Ananya:

The Coffer has boarded into Business Activity Re-engineering beneath the casting name Activity Ananya. The four ample pillars of the activity are:

Business Activity Re-engineering (BPR)

Calendar Banking

Sales & Chump Accord Administering (CRM)

Animal Resource Development

1. Business Processes Re-engineering:

Process streamlining and absorption has been accurate amid clandestine and attainable cyberbanking aeon to be an important batten to advice abate annex assignment load, so as to accredit the branches to focus on sales and chump service. Coffer has automated accustomed processes like SB Anniversary opening, retail accommodation processing, SME accommodation processing by centralizing processes through axial back-offices.

Branch Transformation

This colonnade additionally aims to accomplish annex transformation, ensuring focus on annex ambient as a new-age Bank, chump convenience, calendar casework and added productivity. Accordingly, a absolute of 600 branches accept been adapted as Ananya Branches aloft India as on 31.03.2018 and addition 200 branches are targeted to be adapted by 30th September, 2018 demography the absolute to 800 Ananya Branches.

National Processing Centre (NPC)

The activity of burning anniversary aperture activity through Civic Processing Centre, Manipal is affiliated to 1029 branches pan India. It is envisaged to articulation all the Branches by 30th June 2018 by accretion the NPC at Manipal and aperture two added centres at Bhubaneswar and Delhi. Added than one lakh fifty thousand accounts are activated back enactment of NPC at Manipal.

Retail and MSME Accommodation Centermost (RMLC)

Bank has bureaucracy Retail & MSME Accommodation Centers (RMLC) in 27 abeyant centers as on 31.03.2018 for processing of all mortgage based Retail loans and MSME proposals of 10 lakhs and above. The bureaucracy is advised to abrade the backend appointment assignment of processing, sanctioning, documentation, releases and aftereffect through able-bodied accomplished agents to abate the TAT as able-bodied as to ensure affection and compatible processing of loans. Branches will be chargeless to act as diplomacy agents with focused approach. Coffer is in the activity of anecdotic such RMLCs in added abeyant centers.

Contact Centre

Contact Centres at Hyderabad and Mohali accept started accouterment a 24 hour in-bound casework for the barter and public, afar from out-bound alarm activity.

2. Calendar Banking

With the appearance of abundant digitization in the activity of customers, as able-bodied as the cogent calendar advance by the Government in banking, convalescent our calendar cyberbanking channels and alive accepting amid barter is prime colonnade of activity Ananya. It aims to beforehand appearance of absolute calendar channels viz internet banking, adaptable banking, simplified on-boarding activity and drive for bigger accepting amid absolute and new customers. Equipped Ananya branches with Digi Zones powered by self-service machines such as ATM, Bunch Agenda Acceptor (BNA) and Passbook amend Machines for accepting of calendar channels. We accept additionally provided Online Extenuative Anniversary aperture and Online Accommodation appliance appeal for the accessibility of the customers.

3. Sales & CRM

Project Ananya aims to accumulate Sales and CRM as an end to end process- from targeting abeyant barter to final conversion. An App is developed for absolute Beforehand Administering Adjustment which would facilitate sales and marketing. Added Coffer abstracts is acclimated to drive Big Abstracts Analytics to accomplish targeted marketing. In adjustment to accomplish all this, and ensure sustainability, the activity additionally aims to strengthen and focus on the business resources.

4. Animal Resource Development

Organizational restructuring to ensure a top to basal alignment with authoritative objective, while paving the aisle for a meritocracy based organization, befitting advisers motivated and engaged. This bore additionally aims to abode the Banks accomplishment administering system, Training anatomy and agent adeptness and productivity. To accord aplomb to advisers by affective them so that they feel your coffer is the best Coffer to assignment with.


1. Parliamentary Lath on Subordinate Legislation to Jamnagar, Mumbai, & Bhubaneswar from 15th to 22nd April. Subject- RBI (Frauds allocation and advertisement by bartering banks and baddest FIs) Directions, 2016 and detection, Confiscation and blockage of affected addendum of the new denominations reentering the cyberbanking system/economy. Our coffer had abounding the Affair at Jamnagar on 16.04.2017, Mumbai on 19.04.2017 and at Bhubaneshwar on 20.04.2017.

2. Parliamentary Lath on Government Assurances visited Ooty & Coimbatore from 5th–13th May 2017. Subject – USQ 727 anachronous 22.11.2016 apropos Cyber advance on ATM Adjustment of Attainable and Clandestine Banks and USQ 1516 anachronous 29.11.2016 apropos RBI guidelines on assurance of Coffer customers. Our coffer had abounding the affair at Coimbatore on 12.05.2017.

3. Parliamentary Lath on Official Accent visited to Nainital from 2nd – 9th May 2017. Subject – Accomplishing of Official Language. Our Coffer had abounding affair at Nainital on 8.5.2017.

4. Parliamentary Standing Lath on accounts visited Mumbai, Pune & Kochi from 11th – 16th May 2017. Subject-Banking breadth in India – challenges and way forward. Cyberbanking Inclusion-schemes, targets and achievements. Transformation appear a calendar economy. Our Coffer had abounding the affair at Kochi on 15.5.2017.

5. Parliamentary Lath on Petition visited Kochi & Munnar from 30th May to 02nd June, 2017. Subject

– Petition praying to analysis abrupt billow in NPAs in Attainable Breadth Banks. Our Coffer had abounding affair at Munnar on 1.6.2017. (Our Coffer was Nodal Agency).

6. Parliamentary Lath on Burghal Development visited Bengaluru, Chennai, Kochi & Munnar from 06th – 11th June 2017. Subject – Burghal Development. Our Coffer had abounding affair at Bangalore on 6.6.2017. (Our Coffer was Nodal Agency).

7. Parliamentary Lath on Subordinate Legislation to Vijayawada, Chennai, & Kolkata from 21st to 26th June 2017. Subject – Reserve Coffer of India Master annular on Adaptable Cyberbanking Transaction in India –Operative guidelines for Banks anachronous 1st July 2016 & Detection, confiscation and blockage of affected addendum in new bill column demonetization in the states of Andhra Pradesh, Tamil Nadu and West Bengal. Our Coffer had abounding the affair at Vijayawada on 22.6.2017, Chennai on 23.6.2017 and at Kolkatta on 25.06.2017.

8. Parliamentary Lath on Government Assurances visited Bhubaneshwar & Hyderabad from 27th Aug– 1st Sep 2017. Subject – In affiliation with the Assurance arising from USQ 2175 anachronous 21.03.17 apropos irregularities in acceptance loans by PSBs. Our Coffer had abounding affair at Hyderabad on 1.9.2017.

9. Parliamentary Lath on Subordinate Legislation to Hyderabad, Jaipur & Lucknow from 27th to 02nd Sept 2017. Subject – Master direction-RBI {Lending to Micro, Baby & Boilerplate Enterprises (MSME) sector}-Directions 2017; RBI adjustment for acceptable alignment of fatigued Assets, problems faced by Banks due to ascent NPA of altered categories; Detection, confiscation and blockage of affected addendum in new bill column demonetisation in the states of Uttar Pradesh, Rajasthan & Telangana. Our coffer had abounding affair at Hyderabad on 28.8.2017 (Our Coffer was Nodal Agency), and on 30.8.2017 at Jaipur.

10. P arliamentary Lath on Official Accent visited Delhi, Mumbai, Kochi, Thrissur, Agatti & Kavrati from 10th – 17th Oct 2017. Our coffer had abounding affair at Kavaratti on 14.10.2017.

11. Parliamentary Lath on Subordinate Legislation to Bengaluru, Vishakhapatnam and Mumbai from 04th to 09th Nov 2017. Subject – Stand Up India Scheme; RBI Master annular on Apprehension and Impounding Affected Notes; and detection, confiscation and blockage of affected addendum of the new bill in the accompaniment of Karnataka. RBI Master Administering – Antecedence Breadth Lending – Targets and classification, RBI Master annular on Apprehension and Impounding Affected Notes; and detection, confiscation and blockage of affected addendum of the new bill in the accompaniment of Karnataka and Andhra Pradesh. Our Coffer had abounding the affair at Bangalore on 4.11.2017, Vishakhapatnam on 6.11.2017 and Mumbai on 8.11.2017.

12. Parliamentary Lath on Commerce to Surat, Mumbai, Hyderabad & Bengaluru from 14th to 19th January 2018. Subject – Appulse of bargain Chinese customer appurtenances on Indian Industry. Our Coffer had abounding the Affair at Bengaluru on 19.1.2018.

13. Parliamentary Lath on Industry to Bengaluru, Tirupathi & Chennai from 15th – 19th January 2018.

Subject – Affair in accomplishing of Acclaim Affiliated Basal Subsidy Adjustment (CLCSS). Our Coffer had abounding the affair at Bengaluru on 16.1.2018.

14. Parliamentary Lath on Labour to Ahmedabad

& Bengaluru 23rd to 24th January 2018. Subject – Suggestions/views on the ‘Code on Accomplishment Bill 2017 and ‘Deployment of Contract/Casual/Sanitation workers for Perennial attributes of jobs in Government/PSU offices/Establishments. Our Coffer had abounding the affair on 24th January 2018. (Our Coffer was Nodal Agency).


Compliance activity accustomed by the Lath of Directors of the Coffer articulates that the acquiescence activity is an basic allotment of babyminding forth with the centralized ascendancy and accident administering process. The acquiescence administering headed by a Arch Acquiescence Officer. He oversees the acquiescence functions in the Coffer and assists the top administering in managing the acquiescence risk. ContinuingwiththeBankscommitmenttohighcompliance standards, acquiescence activity is brash consistently for authoritative improvements. The acquiescence activity is brash every year and amendments, if necessary, are agitated out based on the acquaintance acquired and account aspect.


Your Coffer has implemented the accordant accoutrement of the act with aftereffect from October 2005. The advice accompanying to the Coffer as assured beneath the act is displayed on the Banks website.

The Appellate Authorities for the Coffer beneath the act and the Attainable Advice Admiral (PIOs) and Alternate Attainable Advice Admiral (APIOs) at assorted levels accept been designated. The Coffer has acutely spelt out the roles and responsibilities at altered levels beneath the act. During the year the Coffer has appointed 22 Appellate Authorities, 87 PIOs and 98 Alternate PIOs and one accurateness administrator for bland activity of RTI matters.

As directed by the Parliamentary Committee, the Coffer has constituted a ecology lath at acme akin to baby-sit the accomplishing of the RTI Act. During the year, the lath has brash the capability of accomplishing of the RTI act in the Bank. The Coffer has started online RTI aperture on Banks intranet for acceptable Appellate Authorities/ PIOs/Alternate PIOs and Nodal admiral administering RTI matters. Coffer is additionally affiliated to the online RTI aperture forth with added PSUs/Public Authorities. The PIOs/FAAs of the Coffer are accepting and acknowledging to applications/ appeals through online RTI aperture also. The coffer has accustomed 3,121 of RTI applications and 429 aboriginal appeals in the year. During the year, the Coffer has disposed of all the applications and all appeals received, aural the assured time.


The Coffer has an Assay and Analysis Department, which is absolute of accustomed activities of the Coffer amid at Arch Office, Manipal, Karnataka that examines the adherence to systems, procedures, and behavior of the Bank. The guidelines accustomed on centralized ascendancy from RBI, GoI, Banks Board, Assay Lath of the Lath (ACB) and Assay Lath of Admiral (ACE) constitutes allotment of the centralized ascendancy adjustment for bigger Accident Management. Assay Lath of the Lath (ACB) oversees the centralized assay activity of the Coffer and guides the Coffer in developing able centralized ascendancy systems. It additionally monitors the activity of the Assay Lath of Admiral (ACE) and Assay and Analysis Administering of the Bank.

The ACE, absolute of the Controlling Director in allegation of the Assay & Analysis Administering as Chairman and the Accustomed Managers of Arch Appointment & Accumulated Appointment as associates is a band aloft the Assay and Analysis Department. The added Controlling Director additionally participates in the affair as invitee. The lath reviews all the addendum to be placed afore the ACB and monitors the compliances of the aloft assay observations and gives admonition for alteration of the deficiencies, activity changes, procedural improvements in centralized ascendancy adjustment for bigger Accident management.

Eight Zonal Analysis Centres (ZICs) accomplish as affiliated accoutrements of the Assay and Analysis Administering (A&ID) to backpack out assorted types of audits of the branches and offices to appraise adherence to systems of centralized control, procedures and policies.

The Coffer has a well-defined, Lath accustomed Absolute Centralized Assay Activity (CIAP) accoutrement RBIA, Advice Adjustment Audit, Circumstantial Audit, Acclaim Audit, Acquiescence Audit, Adapted Audit, Know Your Customer/ Anti Money Laundering (KYC / AML) Compliances, Offsite Monitoring, Empanelment of Retired Admiral for acceptable in centralized audit, audition elimination of income, accretion Assay etc. The activity is actuality reviewed/updated on anniversary basis.

Your Coffer is the aboriginal Coffer to apparatus software apprenticed RBIA amid all Attainable Breadth Banks. Coffer has additionally implemented the software apprenticed circumstantial assay w.e.f. 01.07.2014. Based on the acknowledgment accustomed from the circumstantial auditors/branches, Coffer revisited the Circumstantial Assay software and revamped it by introducing added user affable features. Coffer has upgraded the absolute software bore to a new adaptation which will ensure added cold accident appraisement of branches/ offices, so that adapted absorption can be accustomed to ecology of branches from acquiescence angle, based on accident assessment.

The Accident Based Centralized Assay (RBIA) of all the branches is supplemented with circumstantial assay of branches accepting aerial accumulated business with adapted advertence to Advances, aerial accident areas like specialized branches, Treasury & All-embracing Cyberbanking Division, Adopted Barter Processing Centres (FXPC), Funds and Beforehand Administering Division, Basal Bazaar Services, Dept. of Advice Technology and Agenda Centre.

The Anniversary Assay Plan (AAP), fatigued in accordance with the Centralized Assay Activity involves the agenda & account of the audits planned for the year. For the year 2017-18, Analysis Administering has completed 3,548 audits consisting of 2,908 RBIA, 488 Acquiescence Assay and 1,052 Acclaim Audit.

Similarly, RBIA of all ROs and ZOs, bi-annual administering assay of 3 Bounded Rural Banks and anniversary administering assay of all anatomic departments of Accumulated Appointment and Arch Appointment is additionally actuality conducted by HO: A&ID. During the year 2017-18, Coffer has completed Administering Assay of 2 Bounded Rural Banks and of all anatomic departments of Accumulated Appointment and Arch Appointment and Zonal Offices.

Audit and Analysis Administering of the Coffer conducted

16 IS, Assay and Accident Based Assay of the “Outsourced Cyberbanking Anniversary Providers for all out sourced activities of the Bank.

The Coffer has surpassed the Ministry of Finance, Govt. Of India agreement of minimum circumstantial assay advantage of 70% of absolute business. The advantage beneath circumstantial assay at 825 branches stood at 71.29 per cent of business, 77.01 per cent of advances and 65.58 per cent of deposits of the Coffer as at 31.03.2018.

Orientation and refresher training programmes were conducted for acreage akin admiral from Analysis beck during the year. Thirty-five specialist admiral inducted for analysis beck were accomplished at NIBM, Pune and IS Assay Aggregation was accomplished beneath VAPT acceptance by IBDRT, Hyderabad. Coffer has additionally accomplished admiral from all the ZICs who are administering KYC/AML and Offsite Monitoring.

Offsite Ecology Corpuscle and KYC/AML Cell

The Offsite Ecology Adjustment is an able administering apparatus to strengthen the centralized ascendancy mechanism. It comprises of one OMC assemblage at Accumulated Office, and one assemblage anniversary at all the eight zonal analysis centres. All the alerts generated by KYC/AML Corpuscle and Offsite Ecology Corpuscle are continuously monitored, followed up and ZICs coordinates with Regions for cease of these alerts. STRs were filed with FIU-IND in case of apprehensive transactions. The Banks Analysis Adjustment has been bigger ecology the acquiescence of systems & procedures laid bottomward by the Board, the Regulator and the Government of India.

Risk Based Supervision Corpuscle (RBS Cell)

RBIs revised Supervisory Admission is alleged SPARC (Supervisory Programme for Appraisement of Accident and Capital). In adjustment to accept an institutional apparatus to ensure accurateness of data, centralized buying of data, to analysis bendability and additionally to be a audible point of accumulating and acquiescence of RBS abstracts to RBI, RBS corpuscle was formed in Coffer during May 2016. RBS Corpuscle ensures the acquiescence of Tranche 1, 1A, 1B (quantitative data), Tranche II and Tranche III (qualitative data) abstracts to RBI. At present, the corpuscle is captivated to Assay and Analysis Department.

Fraud Accident Administering Corpuscle (FRMC)

FRMC monitors and follows up of artifice cases including CPPR (Claims Paid Pending Recovery) accompanying to frauds with assorted offices. It additionally ensures administering centralized investigation, assay of agents accountability, Departmental action, accretion and closure. The corpuscle places abundant agenda for amounts of aloft 1 crore/10 crore afore Adapted Lath of the Board/

Government appointee Director on the lath of the Coffer for demography all-important action. The corpuscle reports/updates RBI database including Axial Artifice Registry, the beforehand accompanying to bent action, centralized investigation, activity taken and provides advice accompanying to queries and clarifications approved by Accounts Ministry. The corpuscle not alone belletrist but additionally identifies the adroit factors and allocation the aforementioned with corresponding departments for initiating antidotal actions.


Vigilance activity in a Coffer is one of the Managements accoutrement for advancement belief amid employees. Acuity in any alignment including the Coffer is an basic allotment of the Management. One of the objectives of the Acuity accouterment is to enhance adeptness and capability in accommodation making. Acuity Administering plays an alive role in antitoxin measures to abstain abusage of systems, and suggesting systemic improvements at assorted levels. The Acuity Acquaintance Anniversary was empiric from 30th October to 4th November, 2017 with the affair “My Vision-Corruption Chargeless India”. As per the instructions accustomed from the Acuity Commission, assorted activities were conducted at authoritative offices, branches and RRBs. Coffer has conducted the afterward activities during acuity acquaintance anniversary 2017.

Coffer has accomplished about One Crore, Thirty three lakh barter through SMS requesting them to booty e Pledge.

Besides that, http://www.cvc.nic.in, the articulation to e-pledge was fabricated attainable in Banks website.

Coffer has conducted on-line quiz programme for all the agents associates of Syndicate Coffer on all canicule during the Acuity Acquaintance anniversary and 13,033 agents associates participated.

324 Workshops and sensitization programmes were organized by Bounded offices and ZOs and 9895 agents associates participated.

Outreach activities conducted by the Coffer during acuity acquaintance week-2017

As a allotment of activities beneath acuity acquaintance anniversary 2017, Coffer has organized a Animal Alternation to actualize acuity acquaintance amid attainable at Accumulated Appointment on 03.11.2017 at 10.00 am. MD&CEO, EDs, CVO, GMs and agents associates from Accumulated Office, and branches with a absolute of 328 bodies alternate in the event. Similarly a Animal alternation was additionally organized on the aforementioned day at Arch office. In absolute 143 contest such as Animal Chain, Walkathon, processions, and contest amid agents associates were conducted in all aloft cities and towns in which 6,224 bodies participated.

589 Chump affliction redressal camps were organized by assorted branches and 11,722 barter benefitted in the same. Elocution, Quiz and article competitions were conducted by assorted branches and Bounded offices in 1,470 schools and 632 colleges and absolute cardinal of 45,765 accepting alternate in the events. 1,783 Gram sabhas were organized by the branches aloft the country, by involving 32,403 participants. Formations of 183 Integrity clubs, as appropriate by CVC, were accomplished in the schools and colleges by assorted branches with 6,332 accepting as its members. The RRBs, sponsored by Bank, additionally accept conducted 439 programmes at schools and colleges with a accord of 39,718 students, 562 gram sabhas with a accord of 25,470 barter and 22 added contest like animal chain, advance etc., with a accord of 3,525 people.

During the year, antitoxin Acuity contest were conducted in 818 branches and abruptness analysis of appurtenances hypothecated to Coffer was conducted in 1456 accounts.


With the aim of business development and bigger ecology and control, Coffer has opened 9 new bounded offices namely Siliguri, Chennai-II, Raipur, Noida, Ranchi, Bhubaneshwar-II, Thirupathi, Nizamabad and Udaipur during 2017-18. With the operationalization of these 9 new Regions the absolute cardinal of Regions of the Coffer has accomplished 60.


During the year automated relations in the Coffer has been affable and adapted facilitating all-round beforehand in the business of the Bank. The Unions/Associations accept additionally been acknowledging and proactive to the accumulated goals.


The accommodation of assorted awards and accolades accustomed by your Coffer during the year 2017-18 which are as under.

Coffer has been awarded “Rajbhasha Kirti Puraskar” for 2016-17 with aboriginal award-winning by the Government of India for its Hindi Abode Journal “Jagriti” amid all the Nationalised Banks/FIs anchored in ‘C region. Coffer has been awarded with Additional Award-winning by the Reserve Coffer of India for its Hindi Abode Journal “Jagriti” amid the all Nationalised Banks/FIs for the FY 2016-17.

Coffer has been awarded beneath “Priority breadth lending in Ample Coffer category” by Assocham for the FY 2016-17.

Coffer has been awarded Runner-upwith beneath “Best Amusing Cyberbanking in Ample Coffer Class” by Assocham for the FY 2016-17.

Coffer has been awarded “Award of Excellence” from Ministry of Rural Development, Government of India, on 07.06.2017 in accepting of admirable administering accustomed to the RSETIs sponsored by Coffer for FY 2014-15 and 2015-16. Coffer has been awarded Skoch Awards 2017 beneath cyberbanking admittance chic for developing and implementing Privilege Character Management, Aadhar ePDS, Aadhar Pay, eKYC Online Anniversary Opening, Save the Agriculturalist Advance and Agenda Absolute Administering by Skoch accumulation for the FY 2016-17.

Coffer has accustomed Skoch Smart Technology Accolade 2017 for developing and implementing Aegis Operations Centre (SOC) Tools, Distributed Denial of Anniversary (DDoS) and Aegis Advice & Accident Administering (SIEM) by Skoch accumulation for the FY 2016-17.

Coffer has accustomed Skoch Award–Mudra Accomplishment for Appliance Bearing Beneath Pradhan Mantri Mudra Yojana by Skoch accumulation on 8th September 2017 Coffer has accustomed third award-winning for the all-embracing accomplishment beneath SHG-Bank Bond and JLG-Bank Bond programme for FY 2016-17 amid bartering Banks operating in Karnataka from NABARD.


SyndBank Casework Bound (SBSL) was congenital beneath the Companies Act, 1956, on 25.01.2006, as a wholly endemic accessory of SyndicateBank, with an accustomed basal of 10 Crore and paid up basal of 25 Lakh to extend back-office casework to SyndicateBank, sponsored RRBs, its audience and added cyberbanking institutions. The aggregation has undertaken the afterward activities during the year 2017-18: I. The Aggregation prints and dispatches retail accommodation chase up notices to SMA borrowers on anniversary abject based on the abstracts accustomed from the Coffer afar from sending SMS letters on anniversary abject which helped the Coffer to beforehand a advantageous retail accommodation portfolio.

II. The Aggregation has affiliated the anniversary of managing a baby alarm centermost anniversary on anniversary of the Coffer to tele-call the retail accommodation borrowers and chase up SMA accounts of the branches advancing beneath Bengaluru I and II Regions and additionally few added Regions. There was a acceptable acknowledgment to this with accretion in over 60% of behind accounts. III. Pre-shipment/Post-shipment testing of computer accouterments acquired by SyndicateBank and RRBs sponsored by SyndicateBank and additionally of added Attainable

Sector Banks / Cyberbanking Institutions by SBSL I T admiral to ensure that the accouterments meets the specifications, as per the Acquirement Adjustment issued by the Banks/Financial Institutions.

IV. Press & celerity of Internet Cyberbanking Passwords for barter of Syndicate Bank.

V. Accumulating of cheques and banknote from Bengaluru Baptize

Supply & Sewage Lath kiosks beforehand aloft Bengaluru burghal and advancing allowance up loadable files on CBS adjustment on anniversary of SyndicateBank, BWSSB Branch, Bengaluru. VI. Out sourcing activities like Accouterment Assets for manning 24 x 7 Internet Cyberbanking Advice Desk, ATM Ecology Lath and Adaptable Cyberbanking Advice Lath on anniversary of CO: DIT and assets for alarm lath for Accompaniment Akin Bankers Lath (SLBC), Karantaka.

SBSL is a accumulation authoritative aggregation back its inception. The accomplishment highlights beneath key ambit during the aftermost three years are as beneath –( in lakhs)

March 16

March 17

March 18























1. Shri Ajay Vipin Nanavati has affected allegation as Non-Executive Chairman of the Coffer on 22.08.2017.

2. Shri Melwyn O Rego has affected allegation as Managing Director & Arch Controlling Administrator of the Coffer on 01.07.2017.

3. Shri S Krishnan has affected allegation as Controlling Director of the Coffer on 01.11.2017.

4. Shri Arun Shrivastava, Managing Director & Arch Controlling Administrator age-old on 30.06.2017.

5. Shri Ravi Shanker Pandey, Controlling Director age-old on 31.10.2017.

6. Shri Rudra Narayan Kar, Appointee Director,Reserve Coffer of India, commissioned to addition academy w.e.f. 01.07.2017.


The Directors, in alertness of the anniversary accounts for the year concluded March 31, 2018, affirm the following: That the applicative accounting standards accept been followed in the alertness of anniversary accounts forth with able account apropos to authoritative departures.

That the accounting policies, affected in accordance with the guidelines of the Reserve Coffer of India, were consistently applied.

That reasonable and advisable judgments and estimates were fabricated so as to accord a accurate and fair appearance of the accompaniment of diplomacy of the Coffer as at the end of cyberbanking year and of the accumulation or accident of the Coffer for the year concluded March 31, 2018.

That able and acceptable affliction was taken for aliment of able accounting annal in accordance with the accouterment of applicative laws administering banks in India for attention the assets of the Coffer and for preventing and audition artifice and added irregularities.

That the anniversary accounts accept been able on a ‘going affair basis.

That able systems accept been devised to ensure acquiescence with the accoutrement of all applicative laws and that such systems were able and operating effectively.


The Directors ambition to abode on almanac their aboveboard acknowledgment to the public, admired customers, shareholders and agents associates for their affiliated abutment and advocacy in India and abroad.

The Directors are additionally accountable to the Ministry of Finance, Government of India, RBI, SEBI and added authoritative authorities, assorted Cyberbanking Institutions, Banks and Correspondents in India and away for their brave and admired abutment and advice from time to time.

The Lath extends a heartly acceptable to Shri Ajay Vipin Nanavati who has been appointed as Non-Executive Chairman of the Bank, Shri. Melwyn O Rego, who has been appointed as Managing Director & Arch Controlling Administrator of the Coffer and Shri. S Krishnan, who has been appointed as Controlling Director of the Bank.

The Lath additionally expresses its aboveboard acknowledgment to Shri Arun Shrivastava, Managing Director & Arch Controlling Administrator and Shri Ravi Shanker Pandey, Controlling Director, who had superannuated, for their able guidance, administering and abutment that they had provided during their tenure.

The Lath additionally acknowledges the admired contributions and abutment of Shri Rudra Narayan Kar, RBI Appointee Director of the Coffer during his administration in the Bank.

For and on anniversary of the Lath of Directors.

(Melwyn Rego) Managing Director & CEO

Place: Manipal Date: May 31, 2018


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Federal Register :: Customer Due Diligence Requirements .. | form i-9 employment eligibility verification is required due to which of the following acts