रांची में राज्यस्तरीय बैंकर्स समिति की बैठक हुई. जिसमें यूनियन बैंक के जोनल ऑफिस को झारखंड से बिहार ले जाने का मुद्दा छाया रहा.
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00:00Union Bank of India's Jodal branch is shifting its branch to Bihar.
00:12I wanted to ask them how many branches are there in Dharkhand and how many are deposited there?
00:21How many branches are there in Bihar and how many are deposited there?
00:25If there is any overwork or overburden, then one branch shifts to another state or place.
00:33The answer to this question was not given by the relevant officials of the Union Bank of India.
00:39As far as deposits are concerned, I informed them that in Jharkhand, the total number of branches of the Union Bank of India is 120.
00:52And in Bihar, the total number of branches of the Union Bank of India is 236.
00:59Now let's come to the important argument that I have put before them.
01:03That after keeping 120 branches, our deposit is Rs. 13,555 crores.
01:11And Bihar's deposit is Rs. 15,743 crores.
01:18In Jharkhand, the total number of branches of the Union Bank of India is 13,555.
01:29And in Bihar, the total number of branches of the Union Bank of India is 236.
01:33And in Bihar, the total number of branches of the Union Bank of India is 13,555.
01:37I said, what was the need?
01:39You have been given a deposit in Jharkhand after keeping less branches.
01:43Why do you want to shift there?
01:46I told them.
01:47They did not have an answer to this question.
01:50So I told them that this is not just a matter of the state government.
01:56This Jharkhand is the feeling of 9.5 crore people.
02:01And it is not just about one bank.
02:03That your bank's journal office is being shifted to another state.
02:07The feeling is that after Jharkhand,
02:10we set up new businesses, establish new offices,
02:14establish a journal office here, then this is our problem.
02:18You are shifting your journal office to Bihar against this feeling.
02:22Jharkhand people will never accept this.
02:27How do you do it?
02:28I said this to their officials.
02:30And the officials of SLBC, our lead bank,
02:34I told them that today,
02:37with this feeling of the state government,
02:40the Reserve Bank of India or the officials related to the Indian government,
02:44related to the department,
02:47by writing a letter, you should request them
02:50that the Union Bank of India's journal office should never be shifted to Bihar.
02:58In some areas, good work has been done.
03:01In all the commercial banks of Jharkhand,
03:0835027,
03:14this is the deposit of the commercial bank.
03:17And the loan has been advanced.
03:22175913.
03:28This loan has been advanced.
03:31If you look at the percentage,
03:33it has increased by 50% to 2%.
03:36On the one hand, the good news is that
03:40when in the initial period,
03:43the CD ratio of Jharkhand was 32%,
03:47it has increased to 50%.
03:52But the national interest rate is around 87%.
03:58We are still 37% behind the national interest rate.
04:03So we have been forced,
04:06like the commercial banks,
04:09to advance the loan in the sector of
04:13low, medium and low-income industries.
04:17In the sector of education,
04:20in the sector of KCC,
04:23in the sector of priority and non-priority,
04:26the loan has been advanced.
04:28The intention was that Jharkhand was built
04:31so that the people of our village
04:34can move ahead in the social and economic history.
04:37But even today, they are far behind.
04:40I told them in my speech that
04:43it is true that schemes are run by the central government,
04:46schemes are run by the state government,
04:49but as long as the bankers do not support through loans,
04:52we will not be able to achieve our goal.
04:55No state can achieve its goal.
04:58Their goal is to develop the socio-economic system.
05:02I have kept very important things in my speech
05:06in the SLBC meeting today.
05:09This meeting was called under the leadership of our Minister.
05:13And all the bankers of this state,
05:16all the top class banks,
05:19all the representatives of all these banks,
05:22I think it is important to understand that
05:25this state is one of the most backward states.
05:28You cannot compare the customers of the banks
05:31with other big states.
05:34But the challenge is that
05:37even today, when the bankers make policies,
05:40or make their programs,
05:43they take only 30% of the population into consideration.
05:46No one thinks about the 70% population
05:49who live in the villages.
05:52And this is the reason that
05:55our government has taken such a decisive decision
05:58to pardon the KCC loan.
06:01But even today, the farmers and the villagers
06:04do not know that the loan is pardoned centrally.
06:07There is no need to go to the branch.
06:10But even then, the villagers go to the bank
06:13and ask the manager to pardon their loan.
06:16They think that the bank manager will press a button
06:19and the loan will be pardoned.
06:22And there are some bankers who take advantage of this.
06:25They scold them and make them run away.
06:28So there is a lot of exploitation like this.
06:31Because we are people who are connected to the land level.
06:34So we constantly see and experience this.
06:37And there are BCs.
06:40Banks have appointed BCs on a rural level.
06:43Their job is to go to rural areas
06:46and help the villagers with small things
06:49like opening a bank account.
06:52I don't talk about everyone,
06:55but there are some people who have come out to collect money.
06:58If they want to withdraw their money,
07:01then give them Rs. 1000.
07:04If they want to open a bank account,
07:07then give them Rs. 2000.
07:10And because of all these things,
07:13the villagers lose faith.
07:16I would like to tell you that there are some villages
07:19where people have fled in fear of the loan recovery.
07:22People have left the village.
07:25When the RBI has made all these rules
07:28and the entire method of recovery has been defined,
07:31I have told the bankers and the SLBC
07:34that we talk about a lot of big things here,
07:37but to implement them,
07:40we need to understand
07:43how we are working with the community
07:46and with the population.
07:49You will see that in every SLBC meeting,
07:52it is said that land mortgages cannot be paid
07:55because of the CNTSPT law.
07:58We need to understand
08:01how the CNTSPT can give loans
08:04to the land that is under the law.
08:07We need to make some efforts.