Uttarbanga Kshetriya Gramin Bank

Uttarbanga Kshetriya Gramin Bank, a Regional Rural Bank sponsored by Central Bank of India, was established on the 7th March 1977 under the Provision of Section 3(2) of RRB Act 1976 [ 21 of 1976] with equity participation of Government of India (50%), Central Bank of India (35%) and Government of West Bengal (15%). The Bank has been operating in five districts of West Bengal namely, Coochbehar, Jalpaiguri, Alipurduar, Darjeeling and Kalimpong with its Head Office at Coochbehar.

All the Officers from JMGS to SMG grade of the bank working in the branches have certain financial powers depending upon their position. Further the Officers working in Administrative Offices viz RO, Head Office also have certain financial powers depending upon their position. The delegation of financial powers The delegation of financial powers to various grades of officials is decided by the Board of Director of the Bank. These powers are revised periodically, depending upon the organization's requirement and also Government/RBI guidelines.

There is a well defined system in the Bank regarding the decision making process. Financial decisions are taken at various levels by the lending authorities of the Bank. The various lending authorities of the Bank are- (i) Branch Managers in different categories of branch. (ii) Regional Office Committee. (iii) Head Office Committee (General Manager Level) (iv) Head Office Committee (Chairman Level) (v) Board of Directors. Within the overall lending powers, there are specific ceiling for non-fund based facilities. Specific ceiling on lending powers are also fixed against certain types of securities like Book debt, Shares, NSC, KVP, Relief Bonds etc. In case of Retail Lending Schemes the lending powers of the delegates are scheme specific. The list of Retail lending Schemes and Terms and Conditions of such schemes are available in the website as well as at the branches..

4(1)(b)(iv) The norms set by the Bank for the discharge of its functions.

Directions received from Ministry of Finance, Government of India, State Government, Reserve Bank of India, NABARD, Sponsor Bank and/or approved by the Board of our Bank are the guiding principles for discharging various functions.

4(1)(b)(v) The rules, regulations, instructions, manuals and records, held by the Bank or under its control or used by its employees for discharging its functions.

There are quite a number of documents like manuals of instructions, codified circulars, scheme of delegation of powers, proceedings of the board etc and also the periodical circulars, used by the employees for discharging various functions.

4(1)(b)(vi) A statement of the categories of documents that are held by the Bank or under its control.

These are mainly documents executed by customers/borrowers/guarantors and contracts with third parties etc.

4(1)(b)(vii) The particulars of any arrangement that exists for consultation with, or representation by the members of the public in relation to the formulation of its policy or implementation thereof.

The Board of Director while formulating the policies of the Bank keep in mind the state of the economy, the Govt. policies and the issues concerning the public.

4(1)(b)(viii) A statement of the boards, councils, committees and other bodies consisting of two or more persons constituted as its part or for the purpose of its advice, and as to whether meetings of those boards, councils, committees and other bodies are open to the public, or the minutes of such meetings are accessible for public.

Bank has appointed various committees for different purposes. Following are some of the important Committees managing the key affairs of the Bank: a. Risk Management Committee. b. Asset Liability Management Committee c. Audit Committee. d. Purchase and Procurement Committee. e. IT procurement committee f. Information Security Management Committee g. Internal risk management committee h. Fraud prevention Committee i. Internal Advisory Committee j. Staff Accountability Committee k. Board of Directors.

4(1)(b)(ix) A directory of its officers and employees.

Employee Directory

4(1)(b)(x) The monthly remuneration received by each of its officers and employees, including the system of compensation as provided in its regulations.

Pay scale of officer & award staff

4(1)(b)(xi) The budget allocated to each of its agency indicating the particulars of all the plans, proposed expenditures and reports on disbursements made.

There are no plans and budgets for expenditure of public money and disbursements and the provision is not applicable to Uttarbanga Kshetriya Gramin Bank.

4(1)(b)(xii) The manner of execution of subsidy programmes including the amounts allocated and the details of beneficiaries of such programmes.

There are no subsidy programmes or plans for lending activities of the Bank as a whole except for targets for priority sector lending. There are different schemes for advances of the Bank and the terms and conditions are already available in the Bank’s website. Efforts are made to keep the same updated from time to time.

4(1)(b)(xiii) Particulars of recipients of concession, permits or authorizations granted by it.

There was no programmes in the Bank for grant of concessions, authorization etc., and there is no material in the Bank relevant to this provision.

4(1)(b)(xiv) Details in respect of the information available to or held by it reduced in an electronic form.

All the general information regarding deposits, advances and other services officered by the Bank are already available in the bank’s website. Efforts are made to keep the same updated from time to time.

4(1)(b)(xv) The particulars of facilities available to citizens for obtaining information including the working hours of a library or reading room if maintained for public use.

Business Hours: Every Monday to Saturday 10:00 hrs – 04:00 hrs (05:00hrs –Working Hours) except the second and fourth Saturday and bank holidays as declared under Negotiable Instruments Act, 1881 applicable for State of West- Bengal. Bank is not maintaining any Library/Reading Room for Public.

4(1)(b)(xvi) The names, designation and other particulars of the Public Information Officers.

CPIO: SNEHA MUKHERJEE

4(1)(b)(xvii) Such other information as may be prescribed.

Number of Receipt & Disposal of RTI Applications & Appeals.

4(2) Information Regarding Disciplinary Action.

Disciplinary Action.