Ccpur District’s Economic Development Is Probable Exploited By The Local Banks

Ccpur District’s Economic Development Is  Probable  Exploited By The Local Banks

(DISTRICT’S CD-RATIO NIAMLUAT  ‘LATSEA’ IN AWLMAWH HUAISA)

By: CT Lian Guite.

        Lamka khawpi sung a om bank tamtakte’ nasepdan in gamsung khantouhna ding naktakin dal kha a lungkimhuai hetlou hi.Abikin CCpur   district ah economic development taktak hong tun theihna ding local bank-te’ khut ah naktak in kinga hi. I gam sunga bank-te lamkaih siam in a nasepdan uh enkai zou in  higher authority (RBI)te’ thupiak guideline-te ahiding bangin  zuisak zou lehang i gam ah khantouhna nasatak  omsak zou ding hihang

. Tu dinmun banga etkai zawhlouh a a om ua, i control zawh kei ua lebel  bank-te’n amau deihna lamlam ah  i sumte uh pei in,mimal gentak louh, i gam a gou i neih sunsunte  amaute (Banks) kia hamphatna dinga zangin i gam nesetu lianpen ‘kamkei’ hongsuak ding uhi. Hibang ahihna ah local mipite i pankhawm siam ua  i bank-te’ thilhih diklou leh kilawmloute banah  a performance uh  lungtunhuailou teng  higher authority  RBI, Union Finance Ministry,Manipur State Finance deptt leh District administrator-te kiang ah  agelhthawh in i theihsak pahpah uh pawimawh petmah hi. Tulai khawvel ah atangpi in higher authority khat peuhpeuh in anuai ate uh thilhih hoihloute  theisim mahle uh a complaint-tu a om keileh action la mawklou  uhi. Huaiziak in i gamsung a bank omte’n  ngoi(Net) kia hong dawh mai lou in  agam mipite adia  phatuam thil tuamtuam leng asep theihna ding un bank-te’n a nelhsiah uh guideline/policies-te  pholhsuah a ngai a,hiai pholhsuahna ding mipi te’n bank- te’ hih ding tangpi  i theihsiam a ngai masa a, huaite  tamlou in kikum lehang ut-huai isa hi.

      

 Bank-te nasepdan(business) ahihleh sum a sumdawng ahi uhi. Branch  omna mun vengsung, khua leh  akim akiang banah  aseh vela om mite’ sum apung om a  kepsak tute ahi. Mipi te ading government lampang a sum hong pai te ana kemtu leh hawmkhe tute leng ahi uhi. Bank in a nasep ding diktak  ahihleh mi tuamtuam banah public sector-te fund(sum) a kaihkhawmte uh schemes tuamtuam tungtawn in  a  gam mite kiangah apung(interest) tamlou lawh(earn) in  loan a a hawmsawn ding uh chih ahi .Etsakna dingin Bank te’n agam mite kiangah nasumte hong koih un kum khat in apung(interest) 7%  in kondin ding uh chi’n  bank te’n mipite’ sum koihkhawmte loan deihte kiangah kum khat in apung(interest) 14% pung in a na pesawn zel uhi viz:- 14-7=7% per annum interest a kitoudelh institution ahi uhi. Huailou in mi nautangte sum kikhaktuahna a saitute leng ahi uhi. Huchia a vengsung leh khuakhat a  mi nautangte’  sum-le-pai kivei tuahna lama mipite dawnzangtu dingte ahi uhi.

       Bank tawh kisai a CD-ratio i chih bang chihna hihiam chih tamlou in i genzual ding. CD-ratio i chih  Credit Deposit Ratio (CD-R) chihna ahi a,hiai in a gen takbel bank  a account holder-te deposit  genna ahi.Ratio in a gen ahihleh  hiai bank te’n a summuh teng uh a zatna uh genna ahi nawn hi.Bank khat  CD-Ratio 60% atun lebel  huai bank in a summuh tengteng lak 100 a 60 a gamsung mah a loan a hawmkhia/zang chihna ahi hi.

      Bank tengteng Reserve Bank of India (RBI) nuai a om ahi ua, RBI in zuih ding guideline piak a zuih uh ngai hi.RBI deihdan in bel India gamsung a bank om teng’  CD ratio pen 60% atun ding chih ahi. Ahihziakin Manipur i chih underdeveloped region ihih manin bank adia recovery a risk a sanluat  ziakin Manipur  govt in a gamsung a bank-te’  CD-ratio  40%  tasn lerng pomthei hi. Hiai omdan bel Manipur sunga bank om khatpeuh in a sum kaihkhawm teng lak ua 40% pen a gam mipi phattuamna ding a loan a ahawm khiak ding uh chih genna ahi. Bank branch khat in loan a piak ding leh  a poimawh(priority sector) a et masak ding uh chi’n sehsak lai hi. Huaite amasa in Agriculture loan banah Industry loan ah, huchibang zelin Service loan ,Education loan leh Housing loan-te ahi hi. Atomlam in gen lehang RBI in local bank-te’n  a sum kaihkhawmteng uh avekpi in  amau deihna mun kia ah  a invest ding uh phal lou in  a nop leh haksa genlou in a omna  gam uapan  a sum muh uh 100/40 tanbek a  invest ding uh chih ahi hi.Hibang guildine zuilou bank te’n government deposit akem theikei ding uh chilai uhi.

The state government is now decided that only those commercial banks will be allowed to handle the business and deposits of the state Public Sector Undertaking(SPSUs),State Level Autonomous Societies (SLASs) and other bodies which meet certain norms .It has been decided that only those commercial banks which meet at least one of the following performance criteria will be eligible to handle the business and deposit of SPSUs,SLALs,ULBs,Development Authorities and other such statutory bodied under the control of Government of Manipur –

1. CD ratio-at least 40%

2. Annual Credit Plan (ACP) minimum achievement of 75%of the target for the financial year

3. Priority Sector Advance-at least 50% of the target for the priority sector lending for the financial year.

(References: Government of Manipur Finance Department memo no:3/126/2012-D/IF dated 7 March 2012-)

Hibang government memorandum om nungin  apaisa March 31,2013 tan in i gam sung a Bank omte’ performance a CD Ratio uh tawh kisai tamlou i en zual ding uh:

C.D  RATIO:-As on 31.03.2013       

                                                            (Amount in Lakh)

BANK	DEPOSIT AMT	ADVANCE/LOAN AMT	CREDIT-DEPOSIT RATIO(CD-R) %
AXIS,Lamka	1,248.03	11.07	1
CBI,Singaat	164.00	130.00	79
HDFC,Lamka	933.00	105.62	11
SBI,Lamka	24,341.01	6,171.47	25
UBI,Lamka	7,163.00	3,640.00	51
VIJAYA,Lamka	2,389.12	39.99	2
MSCB,Lamka	214.63	1,339.25	624 (D.C. directed to correct)
TOTAL	36,496.50	11,410.73	31

 Source:SBI-Lead Bank,Imphal

Hiai atung a data-te i gam sunga bank thumang,manglou leh mang dekdek-te’ data ahi a, tu’n  hongtung ding June 2013 kha a quarterly meeting ah en nawn lehang bangchi in hong ki improve uhiam! Hibang a CR-Ratio hong niamluat lai  ngeingei leh local bank a performance uh hoihlou teng state government in sum a kepsak(deposit)te uh a surrender sak ding  ua ngetna  Union Finance Ministry leh Reserves Bank of India ah bawl poimawh ding hi. Hichi banga CD-Ratio tawh kisai a buaina state tamtak ah ana om ngeita a, abikin Kerala leh Bihar in  kum 4/5 paisa in ana tuak sam uhi ,

Reference:-

Credit –deposit ratio Improve- The Hindu -Kerala April 02,2004

Declining trend in Banks’ CD ration worries govt.-The Times of India –Patna

Govt concerned over continuous fall in Bihar’s C-D Ratio. – The Bihar Times-28/05/2009

RBI to take step to improve credit deposit ratio in Bihar. –Business Standard –May 23,2013

       Muanhuaitak apan kiza dungzui in tukum financial year report ah  Lamka a Bank khat  in Lamka khawpi sunga basnk account nei(customer)-te apan in deposit Rs 156 crores val mukhia uh chih ahi hi.Hiai bank in  RBI leh state Government guideline zui hitaleh  Rs 62.4 crores vel loan a hawmkhiak uh ngai hi. Hiaizah kumkhat sungin hawm kheding in na gingta hia ?? Hichibang  bank dang 6  omlai zawmah;  hiai tengin a guideline uh zui a nasem himai zen le uh financial year  khat sungin CCpur district sung ah akigawm in  Rs 240 crores khong loan in hawm(injet) khezou ding uhi.Huchi hileh market ah sum tamlaw mahmah ding a, mi tamtakte bang in loan deih nonlouh ziakin luaksuak hial pawl bang omhial theiding hi. Tulel dinmun ah bel bank tamzawte tungtawn a  i phattuam naksangin  ei ziakin amau a phattuamna uh tamzawtham hi. Bank te’n  ei singtangmite hong khemgawp uh hita, maute sumdawnna dinga eite’n sum thawh(they can take deposit from Private/Govt) but they do not want to advance loan  for the local people) Bank te’n eite  sum thawhtu dinglel in  hong zang uhi-zumlou uh ka sa petmah hi“the fund mobilized from CCpur district were diverted to the industrially advances states” chihna himai a “which means the bank were using CCpur to extract deposits for  investing in  outside the state profitably” hilel mai hi. Huai ziakin  i gam a bank omte a CR ratio uh 40% bek tunsak utloute zaw deihhuai hetlou uhi. “if they(local Banks) were not interest in  doing business with the local people  their existence in our district is not important and required” chi theichiat le ut-huai i sa hi.

Example according to guideline                              Actual data as on 31 March 2013

Source from NABARD –CCpur district

      Mi kuahiam in a gen ka zakdan in, ei a gam mite i diktat louhluat ziaka loan honpe nuam lou uh ahi honchi laizang a, koi khat ah dik maithei.Ahihziak in hiai pen mipi mawh puak hilou in bank-te mawhpuak ahi ka chi hi. I gam a hong trade ut nanana in  a lampi a ngaih tuah ding uh ahi a , a huchih kei vet leh hong lutkei le uh poilou hi.Ngaihdan khat ah loan pe tu(Bank) te’n loan latute a diktat kei ua leh  loan  piakna ding lam system  a modify zek ua a sik lam leng a hahpan uh a ngaih ding banah loan muhkik teitei dinga panlakdan leng  athei mahmah ding uhi. Huchih dungzui in a sum muh khiak uh 100 lakah loan in 40% tan a hawmkhiak ding uh chih government guideline azuih uh ngai  hi. Vukgam a ka ten ding leh  puanlum ka silh ding chih kua’ mawhpuak ahi dia leh?  Dawr/dukan  ka bawl ut a, licence ka lakna authoirity te’n na thil zuakkhiak teng laka 40% pen a bat(credit) a na piak gige ding a hon chih  uh lemsa a dawr ka bawl leh –hong batlakte akipan leiba  sik leng  kei’ mah mawhpuak ahi mai hi. Ataktak in metapolitan khawpi a om mipite sangin ei singtang gam neuchik a omte i kitheihsuah luat ziak un i gin-om zawtham uhi.

        Bank-te sum muhna pen interest  ahi  a, bank te’n loan a piak ding ua bituk CD-Ratio 40%  tan hiding  loan a piak ut kei ualeh koi a invest (loan pia) uh ahi dia chih na ngaihtuah ngei hia?  Bang ziak a i gam a honglutlut uh ahia leh? – I gam a sum omte mimal,business leh government sum atam theipen laklut a, ei’ sumte apat a mundang a sumdawn hilel mai ahi a tup uh.Hichibang organization leh institution a nasepna exploitation lianpenpen ahi i chilou thei kei hi.Abank ua sum tam theipen laklutna ding power nei  uh, ahihziak in  a piak khiakna ding(sanctioning power) lam ah suanlam tuamtuam bawl uhi. A guideline dungzuiin  CR-ratio 40% tung hileh thukhat, hileleng tung  teuhloupi ,loan pe theilou chihpen  kikhemna khat ahi– a hai lou ading in chuh gan(animal) tuka kimuhna chikhat ahi.

       Hichibang a bang thadah zawngzaw leh duh-am te’n  i gam  khanletna ding nakpi in ahon dal uhi- aziakbel government’ development schemes atam zawthamte bank-te tungtawna sepkhiak(implement)  ding ahi a ,bank te’n schemes tuamtuamte ana implement ngamlouh  chiangun i gam ah development om theilou hi. Etsakna dingin   -PMEGP, SHG, KCC, SGSY, NMFP leh NABARD  nuai a schemess om tengteng  local bank-te tungtawn sepkhiak(implement)  dia gen ahihziak in hiaite a hon implement ut louh chiang un i gam ah development bangmah piang theilou  a, a om sunsun leng lawhching zoulou hi.

         Bangziakin  bank te’n hiaite nawlkhin thei uhiam  ichih chiangin ei a gam mipi-te’n complaint i bawllouh ziakun amau a guideline leng tungloupi in governmet deposit ana kem ua,a gam mite’ laka loan hawm a kitoudelh sangin government in sum a deposit-te tungtawn  in nuamtak in  kitoudelhzou law mahmah ua, huaiziak in loan neuneu ah kibuaisak  utlou uh ahi phing hi.

       Huai ziakin i gamsung a Banking system(bank-te nasepdan) ginatlouh ziakin i gam  khanletna ding naktak in dal a, a gam mite ading a khantouhna ding(development)  a lah phatuam ban  mahmahlou ahihziak un tuban siah gamsung khantouhna ding khualna leh itna ziakin mipi kuapeuhmah in hiai local Bank-te’ CR-ratio te  bil dawh gige in i muanmawh sim Bank-te bang RTI zang in a CD-Ratio uh enzui   lehang ei a gam mipite adia hoih in phatuam mahmah ding hi.I gam a Bank omte’  CD-Ratio a niam ziakin  i gam ading in poi petmah a,  abikin government employee hilou mahni kitou delhte ading in poidiak hi. Tu dinmun a bank paidan etin  business kipan thak tawm mahmah ding a, bazar ah sum hong leng(circulate) tawm ding a, innkuan nekzonna hong haksa sem ding hi.Hichibang i gam dinmun ahihna ah kuapeuh mah i gam khantouhna ding in i pankhawm uh ngai ahi chih a thak in thei ni.Lamka Naupang te,Lamka Tuailai te,Lamka Mipite thouni’n Lamni i gam; Kakipak!

Hiai lehkha gelh kuahiam demna  leh selphou sawmna ziaka gelh ahi kei a ,gamsung khantouhna ding deihna liauliau a thuthak(policy) omsa kipulak lel ahi zaw – CT Lian.