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HEAD OFFICE : RECOVERY DEPARTMENT
Dt. : April 30, 2013
TO ALL OFFICES
Loans & Advances Department Circular No.16/2013
REG : SPECIAL AGRICULTURE RECOVERY CAMPAIGN- 2013
In order to yield the actual result of efforts put in by the field functionaries during the last
Special Agriculture Recovery Campaign it has been decided to start a SPECIAL
AGRICULTURE RECOVERY CAMPAIGN (SARC) – 2013
from 1st May 2013 to 30TH
June 2013. Objective of the campaign is to mobilize the field personnel to visit their
command area for increasing rapport with the farmers and creating conducive
environment for recovery.
1.1 Upgradation of KCC (NPA) Accounts.
1.2 Resolution of Tractor Accounts through recovery / compromise / or Seizure and
Disposal of seized tractors.
1.3 Accounts which have recently slipped
to NPA category should be given more
1.4 Major share of NPA agriculture is in the accounts having outstanding upto Rs. 5
Lakh. Accordingly, attention shall be given to these accounts, particularly KCC
2.1 Personal contact:
All Branch Incumbents / designated recovery officers at
Regional Offices, to make personal contacts with the defaulters and their guarantors.
2.1.1 Village wise register:
Village wise register of borrowers is very useful in recovery.
Upgradation of this register is to be ensured. Notices :
Regional Office to
provide standard format of notice for borrower / guarantor in local language and provide printed forms to branches. It should be ensured that the recovery notices are not only timely issued but also served to all the borrowers and guarantors as well, followed by personal visits by the branch officials. Branches to keep office copy of the notices.
RDMs/ Senior Officers during their visit to branch to ensure meticulous issuance
The eligible cases are to be taken up in the Lok Adalat with timely notices
to the borrowers and guarantors.
RECOVERY CERTIFICATE : Recovery Certificate (RC) filed cases to be
pursued and filing of RCs in other eligible cases be ensured. Each
branch/Regional Office will maintain record of RC filed/suit filed accounts.
2.1.2 Suit filed / decreed cases
should be taken up with the concerned Advocates for
expediting the Court decision. For this, Bank official should attend each hearing and
Branch Manager / Regional Head should review the weekly progress for effective
Seizure and disposal of tractors where all other efforts of recovery /
compromise failed. Disposal of seized tractors already under possession with the Bank.
2.1.3 Brand wise segregation of Tractor accounts and take help of dealers in recovery.
Community Based Recovery Mechanism (CBRM)
: The concept of CBRM by
involving local influential people and Farmer’s Club be utilised.
Prompt payment incentives:
4.1 Regional Offices / Branches to give publicity for prompt payment incentive for
farmers through pamphlets / banners / kisan gosthies, etc
Visit of villages by Senior Officers:
Senior Officials from Regional Offices to
visit some villages for recovery during their visit to rural branches.
Mega Recovery Camps:
Regional Offices to organize Mega Recovery
to create atmosphere of recovery.
THIS CAMPAIGN SHOULD BE SEEN AS AN OPPORTUNITY TO DECREASE
AGRICULTURE NPAS. ALL BRANCHES/FIELD FUNCTIONARIES ARE ADVISED
TO MAKE ALL OUT EFFORTS TO MAKE THE RECOVERY CAMPAIGN A BIG
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