Malda District at a Glance
Total Population - 39.88 lakhs (census
2011)
52% minority population;
86.42% rural population
Economy : Rural agrarian
Subdivision – 2,
Blocks – 15,
Municipalities – 2 ,
Police Station – 12,
Gram Panchayat – 146
Total No Of Bank Branches: 230
Urban - 45,
Semi Urban - 7,
Rural – 178
No Of Unbank GP- 27
No. of Active Bank Mitras – 587
Banking Profile of Malda District
Particulars
Commercial Bank
RRB & DCCB
ALL Bank
Rural
107
71
178
Semi-Urban
43
09
52
Urban
00
00
00
Total Branch
150
80
230
Currency Chest Branch
03
00
03
Treasury Functioning Branch
02
00
02
ATM
198
02
200
Rural Site ATM
101
01
102
Urban Site ATM
97
01
98
Of which
Performance under PMJDY
Total number of account as on 17.02.2016 : 10,74,018
Rural: 9,98,237
Urban: 75,781
Blockwise distribution of accounts :
Name of the Block
Total no. of
accounts
Out of which
opened by minority
community
Account opened
under PMJDY as on
17.02.2016
Out of which opened Account opened by
by minority
Female
community
Gazole
Chanchal-I
Chanchal-II
Habibpur
Bamangola
Old Malda
English Bazar
276263
176092
165300
151084
116489
121084
232977
60888
125317
121710
3422
14872
36852
118718
100093
63933
58782
48753
45051
51700
67430
16520
44753
42323
1523
4608
14875
33816
37545
26852
27039
23402
19345
20853
27528
Kaliachak-I
Kaliachak-II
Kaliachak-III
319466
171962
274870
278708
114612
134186
101602
49002
83773
93473
33812
40211
36576
20580
32671
Manikchak
H.C.Pur-I
H.C.Pur-II
Ratua-I
Ratua-II
Englishbazar Municipality
OLD Malda Municipality
237572
168382
192977
230278
186057
312600
126087
102156
98413
145403
156680
145846
153174
65565
67928
59425
68720
69200
62845
40780
35001
29210
35060
50166
44986
49648
17823
16758
28541
23175
32291
28372
26852
14857
14850
Total
3459540
1876522
1074018
569565
441329
Video of Account opening
Malda vis-a-vis West Bengal
PMJDY a/c
West Bengal
State/District
PMJDY a/c in nos.
West Bengal
1,82,14,190
Malda District
10,74,018
Malda District
6%
94%
4%
State /District
Amount (in Rs.)
96%
West Bengal Total amount under PMJDY
4321,73,10,247
Malda total amount
182,79,30,414
West Bengal Total amt under PMJDY
Malda total amount
Rupay card and Aadhar Seeding at Malda District
Zero Balance a/c
State /District
A/c in Nos.
Total PMJDY a/c
10,74.018
Zero Balance in Malda
1,81,714
17%
Balance a/c
Zero Balance
a/c
83%
A/c with Rupay card
PMJDY a/c without Rupay Card
Total PMJDY a/c
PMJDY a/c with Rupay Card
37%
10,74,018
63%
Malda Rupay Card
6,79,163
Aadhar Seeding at Malda
Total PMJDY a/c
10,74,018
Malda Aadhar seeding a/c
3,03,714
Non-Adhar
seeded a/c
28%
72%
Adhar
seeded a/c
Bank A/C proportion at Malda
Non Minority S/B Ac
Malda Total S/B Ac
Total Minority a/c
34,59,540
46%
54%
Total Minority a/c
18,76,522
Minority PMJDY a/c share at Malda
47%
53%
Total PMJDY a/c at Malda
10,74,018
PMJDY Minority
5,69,565
A/c other
than
minority
PMJDY
Minority
Female PMJDY a/c at Malda
Male PMJDY a/c
Female PMJDY a/c
41%
Total PMJDY a/c at Malda
10,74,018
59%
Female a/c
4,41,329
Initiatives at Malda for promotion of PMJDY
1. Promotion of PMJDY through
GAMBHIRA (Local Folk dance)
• GAMBHIRA a unique folk dance of Malda district has been
chosen for promotion of PMJDY scheme and to increase the
account opening under PMJDY
Initiatives at Malda for promotion of PMJDY
2. Promotion of PMJDY with Sanitation Fair
• Nirmal Utsav under Sanitation Campaign celebrated at different Gram
panchyat and used to promote PMJDY schemes
Bank Stall at Nirmal Utsav
Nirmal Utsav Celebration at Najirpur GP of Manikchak Block
Nirmal Utsav in Twitter
Passbook and Rupay Card Distribution at Nirmal Utsav at Raniganj-I, Gazole
Nirmal Utsav Celebration at Birnagar –II
GP of Kaliachak-III Block
Passbook and Rupay Card
Distribution at Raniganj-I, Gazole
Initiatives at Malda for promotion of PMJDY
3. Promotion of PMJDY with Self Help Group
• Self Help Groups are involved for promotion of PMJDY account
opening and awareness generated for benefits of Rupay Card and
insurance benefits and OD facilities.
Meeting of SHG members
Meeting with SHGs , and Officials towards promotion and awareness
of PMJDY
Micro Insuarance
Position of micro insurance (PMSBY and PMJJBY)
Schemes
Total
PMSBY
1,98,629
PMJJBY
89,645
1.1 Efforts done to promote awareness for
Accident Insurance coverage:
• Sensitization Programmes (3 Nos.) for marketing of
micro
insurance plan have been conducted for Bank officials and Bank
Mitras throughout the district
•Awareness camp among general public in general and particularly
for women have been done with the help of 8 no. of FLCCs and
36000+ self help groups,
8 FLCCs conducted 83 financial literacy and credit counselling
camp to impart financial literacy, particularly importance of
opening of bank account, Atal Pension Yojona, in different places
of Malda district ; and 8,107 people participated.
•Awareness also done by bank branches through personal contact
with their customers (2,218 nos.), leaflets, flex with comprehensive
details of scheme etc.
•Incentive schemes for Micro insurance for Bank Mitras has been
introduced to cover more people under the fold of Micro
insurance.
•Total 12 claims submitted under PMJJBY and 3 cases already
settled
•District Level , Block level and GP level meeting with SHGs are
done regularly with an specific agenda point on PMJDY
Sensitization Programmes for marketing of micro
insurance plan
Video of Interview for claim settlement
1.2 Efforts done for Rupay Card activation
• Awareness Camp at Municipalities and all Blocks
particularly benefits available under active Rupay
Cards
•Some of the banks are introduced incentive
schemes for Bank Mitras for activation of Rupay
card
• Awareness at different Melas
1.3 How are the services of Bank Mitras in terms
of availability, proper device used and daily
transactions
• 587 Bank Mitras throughout the district are
working at a fixed point location with hand hold
device as per time norms of RBI
•Devices are working properly with Mobile Internet
facilities
• Daily transactions of Bankmitras are satisfactory
and in an average of 92 nos./day excepting 30
Bankmitras
Video of Interview on account opening
1.4 Reduction of Zero balance accounts
• Awareness Camp organized thorough FLCCs to
convert the account zero to balance
• 39,826 accounts has been converted to zero to
balance during last one month
• Till date the district has 1,81,714 zero balance
accounts exists out of total 10,74,018 PMJDY
accounts.
• Involvement of Panchayat Bodies , and Local Club
and associations
• Awareness for no benefit of Over draft facilities
under PMJDY scheme and accidental insurance
coverage available under Rupay card for zero balance
and dormant accounts through folk song & dance.
Awareness thorough Folk dance (Gambhira)
1.5 Reduction of
accounts for women
Zero
balance
• Involvement of Self Help Groups
(36000 + groups, Panchayat Bodies , and
Local Club and associations
•Involvement of Anganwadi workers
(5,276 Nos.), ASHA workers (2,547 Nos.)
• Lady Gram Sevikas (12 Nos. ) and
WDO ( 1 No.) are involved in awareness
process in reduction of zero balance
accounts with the help of Self help
groups
1.6 Efforts in implementing in difficult geographical terrain and BPL
number
• Bank mitras are engaged exclusively for difficult geographical terrain like
Bhutni Chak at Manik Chak Block, and Par Deonapur at Kaliachak-III Block
• Proposals are also under consideration for Mobile bank Mitra in difficult
geographical terrain (scattered villages) for providing basic banking services
1.7 Number of Aadahar seeding done and efforts made for the same
• Sensitization programme for seeding of Aadhar Card in customer accounts
for Branch machinery and Bankmitras have been done
• Awareness of customers are done through Flex, Festoons, leaflets , videos,
personal contacts over mobile phone calls and SMSs
• Incentive of Rs. 1-3 for Bank mitras per Aadhar Number seeding has been
introduced by almost all the Banks
•Out of 10,74,018 saving accounts under PMJDY 3,03,714 accounts have
already been Aadhar number seeded.
1.8 What improvements would you suggest
• Awareness and technological know how to the customers for Mobile Banking may ease the process of banking
as
the customer operate by his own hands .Seeding of mobile no. in accounts be made mandatory , if available.
• Pass book printing machines and other infrastructure are not provided by all the banks at their customer service
point, it should be provided to all CSP points so that customers get their passbook updated and accordingly their
level of confidence will be increased. Service center for maintenance of equipments must be available at the
doorstep of CSPs.
• More incentive schemes should be introduced for Bank Mitras as well as Field level workers of State Government
e.g. Anganwary workers, Asha Workers etc for wide publicity of PMJDY Scheme in the remote villages (activation of
zero balance accounts, activation of Rupay Card) and implementation of the scheme in its true spirit.
• The issues related to regular payment of remunerations/incentives of the Bank Mitras are to be taken care of to
motivate the Bank Mitras achieving targeted goal.
•Local Officials of network service providers may be invited in DCC to resolve the connectivity related issues at
Customer Service Points of Bank Mitras.
•Comprehensive Training to be imparted to the Bank Mitras for marketing of Banking Products, micro insurance
products and pension products particularly in rural areas.
•Amount of withdrawals and deposit per transaction at the CSP point must be revised keeping in view the need of
the customers and economic value of money.
•Remote villages where print media and electronic media are not available properly, more involvement of local
bodies like panchayet, clubs, shangha and group of NRLM, schools should be increased for wide publicity of
PMJDY scheme.
2.1 Innovations introduced in implementataion of the programme to
achieve the objectives
• Awareness Camp involving PRI Bodies, SHGs , Local Club and Institutions of that area
• Local Officials of network service providers invited in DCC to resolve the connectivity related issues
at Customer Service Points of Bank Mitras.
•Local bodies like Panchayet, Clubs, Shangha and SHG group of NRLM, schools are involved for
wide publicity of PMJDY scheme in the Remote villages where print media and electronic media are
not effective.
2.2 Bringing perceptible improvements in systems/institutions for
achieving the scheme goals
• Regular visit of CSP points by Bank Officials , RBI Officials , Administrative Officials with an
emphasize on customer service
•CSP points setup in remote villages where space is scare and we allotted space in Gram Panchayet to
setup CSPs.
2.3 Making Public delivery systems efficient and corruption free
• Joint
Inspection to CSP points are done to observe that whether CSPs are working as per
the guidelines framed by RBI
2.4 Innovation & adaption to meet stake holders’/citizens’ requirement
•In difficult geographic terrain mobile CSP points have been introduced to provide
better services to the customers
• Split working hours have been introduced for Bank Mitras at the difficult areas and the
areas with concentration of daily labours and agriculturist are very high
•Publicity of PMSBY and PMJJBY are done at night hours in the villages when most of
the perspective customers are available
2.5 Extraordinary performance on any mater related to programme
implementation
•Wide publicity gas been given to PMJDY in remote villages using field level functionaries of
Government of West Bengal for example Anganwary workers and Asha workers, local educational
institutions and gram panchayets.
• Security arrangements have been made by the District administration where split working hours
introduced and criminal activity prone areas.
•District administration started conducting meetings with CSPs and Banks to implement the
programme .
2.6 Setting High Standrads of Services & continued improvement for
implementation of the programme in the district
•District administration is vigilant on the activities of Bank Mitras to prevent any untoward
incident and customers also advised (by display of notice) to bring to the notice of the bank and
the district administration of any untoward incident if happened.
•Banker are advice to impart adequate training frequently to the bank mitras to keep them
updated with the development occurred in banking industry for betterment of services rendered
by them.
2.7 Systemic changes leading to lasting improvement in Governance with
regard to implementation approach, strategy and methodology
•Banker are advice to impart adequate training frequently to the bank mitras and use up-to-date
technology to cope up the demand of the customers using latest technology at per with Bank
branches.
2.8 Examples of beneficial effects brought about in allied areas due to
the successful implementation of the programme
•In Malda District migration of laborers to north India and South India is very common and they
use the traditional hundi system for remittance to their families causing delayed in payment, But
at present having account in the PMJDY they are sending remittance to their families prompt and
safely.
•Opening of accounts under PMJDY creates saving habit and less dependence on Mahajani system
of lending.
•Some account holders got overdraft facilities in their OD accounts observing the laid down norms
and started business with the said loan and earned more.
Thank You