19
(iv) Efficacy of debit cards issued under KCC Scheme with regards to their
inter-operability and issues related thereto? Whether farmers are using
these cards for payment to different vendors? Back-end issues with NPCI/
other platforms?
(v) Overall impact of revised KCC scheme?
Selection of State/ District for the Study
1.8 Keeping in view the requirement of the study, the number of KCC issued, progress
in issuance of ATM/RuPay cards, etc., one state each from all the six geographical
regions of the country were identified in consultationwithDepartment of Refinance
(DOR) and Department of Financial Inclusion and Banking Technology (DFIBT).
A minimum of two districts from each of the identified states were also selected
in consultation with DFIBT, again keeping in view the geographical diversity as
well as the progress in issuance of ATM/RuPay, etc. A minimum of two branches
from each of three agencies i.e., Commercial Bank, RRB and DCCB were selected
in consultation with the LDM, DDM and the controlling offices of the banks of the
identified district. The state-wise/ District-wise/agency-wise branches selected for
the study is given in Table 1.3.
Table 1.3: Banks/ Bank Branches Selected for the Study
Sl
States
Districts
Comm Banks/
Branches
RRBs/ Branches
Cooperative
Bank/ Branches
1
Assam
(NE Region)
Jorhat
SBI RRL, Jorhat
& Union Bank
Baligaon
Assam Gramin Vikas
Bank –Charaibahi &
AGVB -Jorhat
Assam Coop Apex
Bank -Jorhat
Darrang SBI Mangaldai,
PNB, Mangaldai
AGVB, Mangaldai
& Sipajhar College
Chawk
Assam Coop Apex
Bank -Mangaldai
2
Bihar
(East
Region)
Gaya
Punjab National
Bank: Itwa &
Tikari
Madhya Bihar
Gramin Bank:
Bodhgaya & Diwan
Magadh DCCB:
Sherghati & Head
Office
Begusarai
UCO Bank:
Sadanandpur
& PNB Bank:
Rahatpur
Bihar Gramin
Bank:Samsa,
Phulwaria & Charia
Badiarpur
Begusarai DCCB:
Manjhaul & Head
Office
3
U. P.
(Central
Region)
Varanasi /
Bijnaur
Union Bank
: Harhua &
Baragaon
KGS Gramin
Bank: Karanadadi
Mohan Sarai &
Shahanshahpur
Bijnaur DCCB:
Raipur Saadat &
Haldaur
Moradabad Syndicate Bank:
Sirswan Gaur &
Kanth
Prathma Bank:
Dilari & Lodhipur
Rajpoot
Moradabad
DCCB: Surjan
Nagar &
Thakurdwara
