Expressing disappointment over the behaviour of banks, State Finance Minister Indira Hridayesh said that during meeting banks assured of increasing Credit Deposit Ratio (CDR). But later they did not keep their words. She alleged while speaking in 45th meeting of State level bankers committee in Dehradun on Friday.
As per the official figure CDR was 24 percent in Pauri, 27 percent in Almora, 29 percent in Champawat, 30 percent in Chamoli and 32 percent in Rudraprayag district.
"To make women financially independent, banks should give credit to them and also provide loan to the self help group (SHG) on priority basis," she said, adding that the banks should also give credit to the entrepreneur in remotest villages of the State and open account of one member of each family.
Principal Secretary Rakesh Sharma said that State Government is running Veer Chandra Garhwali scheme to provide employment opportunity to the educated youth and is giving Rs 15 lakh credit.
It is very disappointing that Banks are giving credit for the purchase of vehicle only while they should also give credit for the construction of guest houses, resorts so that more accommodation facility would be created for the tourists.
RBI Regional Manager Rl Sharma said that till March 2012 CDR was 53.41 percent which touched 57.78 percent in March 2013. He also disclosed that under the guidance of Union Government, farmers would be given Kisan credit card (KCC) cum ATM card.
As a part of banking for all, the banks are running campaign to open at least one member of each family. Under Prime Minister employment programme Rs 34.59 crore disbursed among 1221 people; under Veer Chandra Garhwali Tourism Self Employment Scheme bank disbursed Rs 21.81 crore among 266 people; under Swarn Jayanti urban self employment scheme bank disbursed Rs 7.35 crore among 691 people; Rs 21.95 crore disbursed among 3260 people under swarn jayanti rural self employment scheme and Rs 378.65 crore loan disbursed among 38507 women as part of women empowerment schemes.