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STATE BANK OF INDIA

STATE BANK OF INDIA. Experience with Pro-Poor Lending. Home Alone… (1/2). SCHEMES Gram Nivas Sahyog Nivas Tribal Plus. RURAL LANDSCAPE Number of Rural Branches: 4553 Home Loans of 1.80 lakhs with limits of Rs. 5600 crores Number of loans/branch: 40. SEMI-URBAN LANDSCAPE

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STATE BANK OF INDIA

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  1. STATE BANK OF INDIA Experience with Pro-Poor Lending

  2. Home Alone… (1/2) • SCHEMES • Gram Nivas • Sahyog Nivas • Tribal Plus • RURAL LANDSCAPE • Number of Rural Branches: 4553 • Home Loans of 1.80 lakhs with limits of Rs. 5600 crores • Number of loans/branch: 40 • SEMI-URBAN LANDSCAPE • Number of Semi-urban branches: 3510 • Home Loans of 3.97 lakhs with limits of Rs. 18200 crores • Number of loans/branch: 100

  3. Home Alone… (2/2) • Number of loans with limits upto Rs. 50,000: 75,500 • Number of loans with limits above Rs. 50,000 and upto Rs 1 lakh: 88,700 • Number of loans with limits above Rs. 1 lakh and upto Rs 2 lakh: 2,12,00 • Average Ticket Size: • Rural Branches: Rs. 3.11 lakhs • Semi-urban Branches: Rs. 4.5 lakhs

  4. Issues With Schematic Lending • Availability of plot • Title and Title Deeds • KYC • Lack of Regular Income • Borrowing Capacity • Servicing Capacity • Quality of Construction • Monitoring and Disbursement • Collection

  5. Role For Government • Provision of Plot / Site • Construction Expertise • Cost Absorption • Beneficiary Identification • Assumption of Completion Risk • Provision of Infrastructure / Electricity / Water • Collections

  6. Snapshot: Andhra Pradesh (Rupees in crores)

  7. The Andhra Pradesh Model • Provision of Plot / Site – By Govt. • Construction Expertise - By AP Housing Board • Cost Absorption – Subsidy Element • Beneficiary Identification – Local Body • Assumption of Completion Risk – By AP Housing Board • Provision of Infrastructure / Electricity / Water – By AP Housing Board • Collections – Selective Assistance by Revenue Authorities

  8. Many A Slip… • Change In Beneficiary Without Notice to Bank • Lack of mortgageable title deed – Finance of basis of allotment letter • Allotment letter does not identify unit uniquely • Sale by Beneficiary - Third Party Occupation • Project Delays • Several banks involved in each project – lack of co-ordination

  9. Lessons – 1/2 • Political will / sustained budgetary supprt for several years is needed • Internal efficiency of implementing agency • Registration Facility with waiver of stamp duty • Incentive for regular payment

  10. Lessons – 2/2 • Set up dedicated cell for each project • Associate with beneficiary identification process • Continuous borrower contact and education • Co-ordination with implementation agency • Diligent follow-up

  11. Thank You

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