1. Earn ₹ 10000/- per month honestly
Presented by –
Gram Tarang Inclusive Development Services
Ltd.(GTIDS)

2. Functioning of Bank Mitra

3. • Bank Mitras will be required to open a Current-
cum-Overdraft Account under scheme code
“CABCA” in the style “<Village/Ward> A/C <BC-
Agent Name>”. All transactions carried out
through the HHD of the respective BCAs will be
routed through this account only
• Not Allowed: Cheque Book, ATM/Debit Card,
Net Banking facility, Inter-SOL withdrawal,
Cheque collection, electronic fund transfer like
NEFT

4. • Ensure that Base Branch has sanctioned
overdraft limit of Rs. 25,000/- in the CABCA
account with no margin, no security, no interest
• The Bank Mitras should withdraw cash through
‘Cash Voucher’ only and deposit cash in their
‘CABCA’ account only through Miscellaneous
Deposit Slip

5. Areas of Business Development by
Bank Mitras

6. • Deposit:
a)Savings Deposit - @4% p.a. interest
b)Retail Term Deposit – Not exceeding Rs. 5.00
lakh, minimum period of 6 months, @6.75% p.a.
(max) interest
c) Recurring Deposit: Max 12 months period; Intt-
6.25% p.a.
Commission:
i)A/c opening –Rs.5/- per a/c; ii)TD -0.25% on fresh
deposit

7. • Loan:
• Retail loans [above Rs. 10,000/- to Rs.
3,00,000/- ] including KCC loans
• United JLG loan: Rs. 15,000/- per member for
fresh loan
Commission:
i) Scouting of loan proposals - @1%
ii) For promotion/ nurturing/monitoring of JLGs,
@ 1% p.a. on outstanding balance, so long the
account remains in Performing Status

8. • NPA Recovery:
• Small NPA accounts upto Rs. 1.00 lakh
including written off accounts
• This amount relates to a single account
• Commission:
• 10% of the amount recovered; Maximum Rs.
10,000/-

9. • Suraksha Yojana:
• Enrolment under PMSBY (Rs. 12/- yearly
premium)
• Commission: Bank Mitra will get Re.1/- per
insurer per annum; Bank will get Re. 1/-
• Enrolment under PMJJBY (Rs. 330/- yearly
premium)
• Commission: Bank Mitra will get Rs. 25/- per
insurer per annum; Bank will get Rs. 11/-

10. • Cash Transaction Commission:
• 0.50% on the monthly volume of Bank Mitra
induced cash transaction
• This should be for clean, transparent
transactions, not for any dummy, dubious,
paired transactions

11. • Remittance: Immediate Payment System
(IMPS): instant interbank electronic fund
transfer service through mobile phones
• Transaction Amt. upto Rs. 1000/-: Bank Mitra
will get Rs. 1.50 & Bank will get Rs. 2.25; out
of total charges of Rs. 6/-
• Transaction Amt. of Rs. 1001/- to Rs. 10,000/-:
Bank Mitra will get Rs. 2.50 & Bank will get
Rs. 5.50; out of total charges of Rs. 12/-

12. How to earn more?

13. A Bank Mitra –
i) is having 6,000 a/cs
ii) opens 50 a/cs per month
iii) opened 50 JLG a/cs (5 members/group; Rs.
15,000/- loan /member)
iv) makes NPA recovery of Rs. 10,000/- every month
v) enrolled 4,000 PMSBY and 200 PMJJBY
vi) does 100 IMPS transactions every month
vii) opens TD of Rs.50,000/- every month
viii) scouts small loan proposals of Rs. 50,000/-
every month
ix)does cash transactions of Rs. 15.00 lakh/month

14. • SB A/c opening(50 x Rs.5/-) = Rs.250/-
• JLG Business:
a)1% of 50 x 5 x Rs.15,000/-, i.e., Rs. 37,500/- per
year, i.e., Rs.3125/- per month
b)Recovery of EWI: 0.50% of 50 x 5 xRs. 310/- ,
i.e., Rs. 388/-
• Commn. for NPA recovery:10% of Rs. 10,000/-,
i.e., Rs. 1000/-
• PMSBY: Rs.4000/- p.a., i.e., Rs.333/- p.m.

15. • PMJJBY: Rs. 25/- x 200 p.a., i.e., Rs.416/-
• IMPS Trxn: 100 x Rs.2/-(average)= Rs.200/-
• Term Deposit commn: 0.25% of Rs. 50,000/-, i.e.,
Rs.125/-
• Scouting of small loan proposals: 1% of Rs. 50,000/-
, i.e., Rs. 500/-
• Cash transaction: 0.50% of Rs. 15.00 lakh, i.e. Rs.
7500/-
• Total Variable commn.= 250 + 3125 + 388 + 1000 +
333 + 416 + 200 + 125 + 500 + 7500 = Rs.13,837/-

16. • Fixed Remuneration:
Rs. 3000/- + USB charges Rs. 750/- = Rs. 3750/-
Total earning of the Bank Mitra =
Rs. 3750/- + Rs.13,837/- =
Rs. 17,587/-

17. Thank U