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TNTER OFFICE MEMORANDUM

Ref.No. Ne.HRDdSffi ..t2.20/2003-04 dated t3 September 2003

From : CGM, HRDD, HO, Mumbai

For : CGM, NABARD, RO, Bangalore

Scheme for training of NABARD Officer in SCB

Please refer to your IOM No. NB(BL)lHIDlTrgl685/A.6(xv11i)12003-04 dated 02 September

2003 regarding Training of NABARD Officers in Cooperative Banks and RRBs. In this
connection we advise as under :

I The officer identified by you viz .Shri S.R. Panda, AM may be deputed to the Kamataka
State Cooperative Bank in terms of the revised Scheme for training of NABARD
Officers in Cooperative Banks forwarded to you vide our IOM No.958 dated 25 June
2003

e The duration of the training, areas to be covered, selection of branches, role of trainer
bank, monitoring of training and status of the trainee officer as outlined in the revised
scheme referred to above may be adhered to.

Apart from the report to be submitted to us on a monthly basis on the progress made by
the Trainee Officer based on the reports received from the Mentor Officer, adequate
feedback on the utility of the training, cost etc. may be made available to us on
completion of the training for a review .

r The exact date on which the officer is deputed for training may please be intimated to us.

2.On completion of training of the above officer, you may depute the second officer to the
RRB, under advice to us.

W*{*'4
(H. NIrayanla Murth$J
Chief General Manager
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do.
The Karnataka State Co-operative Apex Bank Ltd.
No. 1, Pampa Mahakavi Road, Chamarajpet, Bangalore - 18

(ddrrrer: zoooro)
(A Scheduled Bank) 6;saod
eru-i.
Date...........
Ref. No
7arc
No.CGMIF&N Trgl 12002-20A3 28.01 .2003

The Chief General Manager,

National Bank for Agricultural & Rural Development,
No.1 l3/1, J.C. Road
Jeevan Prakash Annexe,
BANGALORE-560 OO2.
rqt' ,r/

5rr,

Sub: Deputation of NABARD Officers for an On-the-Job Training

Apex Bank and DCC Bank. ^4) 11

Ref: 1) Our letter dated L6.1l.2002

2)Your letter No.NB(BL)/I{RDD lT r ainingl 5 4A3 I}1ID I 1 l2AA2-03
dated 2fth November 2A02.

In continuation of our letter dated 16.11.2002 and as desired by you in your above
letter cited at ref.(Z), we are submitting the Weekly schedule of training programme for
your Officer; proposed to be deputed to our Bank as well as to DCC Bank. If the above
programme is acceptable, kindly confirm the same and the date of deputation of your
Official to our Bank so as to enable us to make necessary arrangements in this regard.
Statement of scheduled programme is herewith enclosed for your kind perusal- Please
note that the dates mentioned in our earlier letter will be refixed after the report of the
official at our bank.

Thanking you,
Yours failbtully,

CHIEF GENERAL MANAGER(F&A)

$'ilo'il

@: 6612649, 6506782, 6678324, 6679424, 6679374, 6676325

i 8 Lines, Grems : 'Apa< Bank- E-mail : apabnnk@bgl.vsnl.net.in, karapec<b@ktr.nic.in, Fax :
 I nE t\AxlYA I Ar\A 5 I A l-E CO.OF.
APEX BANK LTD., CHAMARAJPEG
BANGALORE.S60 OI8.

First Phase : At State Co-op Banls

D Policy and procedure:

(a) Study of Banking Regulation Act
- One week
(b) Definition and procedure for opening of the Bank

U) Internal checks and control ofBranches :

GENERAL BANKING :
- Two weeks
(a) Preparation ofDebit and credit slips
(b) Writing of Transfer scroll
(c) Posting to respective ledgers
(d) Posting to Long book
(One week)
(e) Writing ofDayBook
(f) Writing of GeneralLedger
(g) Attending Clearing House work
(h) Preparation of Periodical statements
(i) Calculation of interest on loans

O Calculation of interest on deposits

(k) Reconciliation of accounrs
(l) Scrutiny of loan applications (IL|VLIHL)
- (One wee$
(m)Submission procedure of loans
(n) Disbursement of loans

ru) (f) Study on Central Financing (CfA):- - One week

(a) Scrutiny of SAO loan applications received
from DCCBs
(b) Scrutiny of Non-farm sector loan applications _ r
(c) Appraisal of loan applications
(d) Proposals for"sanction of loan
(e) Scrutiny of Cash credit proposals
(f) Recommendations for sanction
(g) Disbursement of cash credits

u) (2) Disbunement of loan : (AO)

- One week
(a) Proposals for release
(b) Maintenance of accounts
(c) Calculation of interest on loans and
CCR
(d) Preparation ofDCB
 Htll[i;&;ll#ll;:'-'
';

:2:

m) (3) Accounts: One week

I.'

(a) Study on consolidation ofaccounts

(b) Preparation of periodical statements
(c) Study on prudential norms
(d) Assi:ssment ofNPA
(e) Subm;ssion of accounts (RBI/NABARD)
(f) Study on investment procedure
(g) Study on marketing of shares & investments
(h) Funds Management

Second Phase At DCC Banlis

(I) Field study: - Two weeks
(a) visit to pACS -l
I
(b) Study on membership ofthe PACS I
- (One week)
(c) Study on Credit requirements ofthe PACS J
(d) Study on loan proposal by pACS to DCC Banks
-t
(e) Study on Crop eulture and requirements of the farmers (One week)
l"
based on the climatic conditions of the place _l

(D Study at DCC Bank: - Four weeks

(a) scrutiny of loan applications received from pACS -f - (one week)
(b) Credit appraisal of lom application
(c)
J
Recommendations for sanctioning of loans _l
(d) Disbursement I (One week)
(e) Recovery of loans from pACS
J
(D Risk management/Development Action plans -1 - (one week)
(g) General Banking J
(h) Bank I -
Submission of loan proposals to Apex (one week)
(i) Study on procedural aspecr for disbursement of sAo loan. I

after receiving sanctions from Apex Bank J

Third Phase :

At State Co-operative Bank : (Branch level) Two weeks

(a) Study on customer service
(b) Afiending on Banking counter work
(c) Study on deposit mobilisation
- (One week)
(d) Study on various deposits
(e) Study on targets fixed by Head OfIice
 THE KARIqATAI(A STATE CO.OPT
APEX BANI( L'i'D,' CHAMARAJPETT
BANGALCIIE-550 018.

:3:
(0 Submission ofperiodical
statements to Head
(g) Calculation of Office
inte One week
deposits
(h) Reports uy o,u,"rl:: ff'ffij
F'ourth phase:
At State Co-op Bank

(D (a) Study on Hun

(A" service . ;H:jr#jff ;#ffi:".., One week

(b) Inspectiou
& Audir:
(l) Inspection of Branches One week :

(2) preparation
of Inspection report
(3) study'of compriances
submitted by the
Branches
(4) Furrher compliance
if required
(5) Auditing of
accounts at Ho/Branch
/DCC Bank
(6) preparation
ofAudit report
(7) Study of compliances

(c) Planning &

Development &
Eouse Keeping
(l) planning & Development One week
of the Bank
(2) Development
Action plans
(3) Maintenance
ofpremises & Vehicles
-\ 1 , .il)V
(4) Maintenance
of Guest House Li'/o V*
l,

(d) Study on training progammes(Ar

ACSTI)
One week
.4.
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HEAD trFFItrE
P.8,No.76, Sri Kanakl.Nilaya
V.P. Extension
CH r l-FtADuFtEiA-S TZ 1 SrA
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CEB HO IR 4E'73 :Idf,3 CHAIRrIAN'S SEtrRETARIAT
January L7, zflg!

The Chi ef General l"lanager 4/ *F

National Banlr f or Agricrtl tLrre.-a-:#lffi.,qi i,a, tll74nv couRrER././

i:iii,'t?.i::fl :^f:
"x " ffifi,ffiiii;*l^'+i:
ASST.IiENERAL i,iANAGER
De an 5i n

{ry
Surb ! Depr-rtation c:f NABARD O Jc:b-tr.aini.ng
at outr Ean[,:
Ref: Yourr l etter No, NE EL HF.D TRG 6q4b HID-1 ,.:J:.-,j,3 DT. ,:t4 irl ?EIEJ

lrle refer to ytrLrr above letter. Vide crlrr letter Nm. CGE HCI f,S q3b
BCAI'I dt. t6 t$ Ztitfif. r4e have al ready sent yolr the r,leel: Zft#Z
t..rige prograrnfnes.
Hor,revero rrre enclosE hereurj.th a tropy of the sa,rre far yELrr
in the rnatter. Flrrther, tr,e t,tish to inf orrn that Sri , R Anand. trind perursal
l"lanager of oLrr Eanl: ui 11 be the Plentor 0f f icen f sr this 6eneral
t" -oB rafnrne . training
1t
Th. is for yourr llind information. ,,
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 CANARA. EIANI{

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E-mail : cigibisancharnet. in Ph t 43o,f347' 4393(
EH I TFI,ADIJTI(=A {=}F[AI-T T hI BAt\l}<
(A Scheduled Bank-Governnent Undertaking)
HEAD OFFICE
P,8,Na.7fi, Sri Kanaka Nilaya
V.P. Extension
,uruarkrururBruru4rru&rurBruaruruasrryIUR rutururBrururu{rrBrururBruE&Rrgalururu,tl,UrBrugufu**$*fu{trB,Bru$arlruarBrururl

CGEHB C5 936 ?{:I'.77 BCAM

October 15r ?fr#? CHAIRHAN' Ei BEtrRETARIAT

The Chief General l'lanager

National Ltank for Agricltltutre
ta E< Rlrral Development
I
113/1, JC Read, PE No,29
Jeevan Prakash Anne;(e
BAN6ALORE-369 4fr2

Dear Sirn

Slrb: On the ieb training to yourr of f icer.

This is furrthertsntre ts telecon had r.rith the urndersigned today.

The tentative on the iob training schedurle furrnished herebelout:
Ppniod At Sr-rb j ect/ Sections covered

\/- l. f tleell H,0, RRB concept, genesis, evaluation of RRE

RRE Acto etc.
v.?. II tueell -do* Futnctioning of RRBs, various tiers tr
l"lanaqernent, Board rnatters, role of variout
stake holders, etc
3. III uree[( -do- I'latters re 1at ing to various deposi t scheme
cugtomer service, butsiness development
MOU, etc,

4. IV Er V r.teek -do- Investments of RRBs, cash and futnds ,nanage

rnent, Eal ance Sheet, Internal contnol
Inter Branch and DD Account, Aicoutntin
system. , .

VI ureel< -do- Staff matters I i ke promot ion, trangfere

H.R.D. trainingr OPA5, Salary & Allst.rance
SE/ST Rese rv'bt i on po I i cy , e tc .
I
, . - ....t r
li; .-'
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6. eANyfll($1effi1fiffiI{ Agricurltural and Non-Agricutltural Advancest
Non-futnd base businesB - credit portfolio.
7. IX&Xt.teelt -do- Recovery and Legal mattersn NPA management'
8. XI tr,eeli -do- Prernisesn Stationery and Eeneral rnatters
9. XII t.teell. -do- Inepection matters.
tfi. XIII Et XIV
. lrrEel{ -do- Development Activities litre Tl"lE, SHBr VVVt
LJornen Development, Ral l ies l'lisan Hendra
activitipsn etc.
11, XV t.reell Eranch Tq.. H.Q, branch viEit
12. XVI t.reell Branch Rutral Branch v i si t
13. XVII to XX
tle e l; H.O. Discurssisn at Ho r.rith variouts futnctionaries
of Eanlt, visit to Institurtions like NGOs,
Government DePartments, etc.
',

This is f or yeutr tlind inf ormation.

Yourg faithfutllYt
rtl -
.u l-
CHAIRI'IAN

*HRp/cs936.it?

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