Role of Agricultural Assistant in Banking sector
In our earlier articles we have clearly explained about the duties of Single Window Operator Grade A and B, also we have explained about the role of Head Cashier II in Banking sector.
In this article i am herewith providing you the duties of Agricultural assistant in Banking sector. In addition to the duties of clerical cadre, Agriculture Assistant’s duties will be as under:
- To assist in the bank's lending and/or operations for agricultural development and/or financial assistance to small enterprises (other than small scale industries) such as vegetable/fruit vendors, artisans, self- employed persons including beneficiaries under the DRI scheme.
- To distribute and collect application forms and assist the farmers/small borrowers in filling up the forms.
- To scrutinise application forms, title deeds, farm plans etc. to ensure that applications are complete in all respects and the particulars furnished in the forms are prima facie in order and for this purpose he may be required to visit the farms for verification and for collection of relevant data.
- To take necessary steps to ensure that the periodical details, as called for, are received from the farmers/small borrowers in time.
- To keep in constant touch with farmers and to bring any adverse features to the management's notice.
- To verify farms, all farms machinery, equipments, tractors, live stocks, pumpsets etc. at stipulated intervals.
- To verify proper utilisation of the bank's loans or the progress in work in respect of which loans are granted and to furnish reports on such verifications.
- To make efforts and effect recoveries upto amounts not exceeding Rs. 12,500/- from farmers/small
- borrowers from their place of work; residence, subject to the necessary arrangements being made in regard to fidelity and transit insurance and personal risk insurance by bank.
Banks will evolve appropriate procedure about issuance of provisional receipts etc. of the cash not exceeding Rs.12,500/- collected on a day by an agricultural assistant from the agricultural/small borrowers/depositors.
- To assist in the deposit mobilisation efforts by encouraging farmers/small borrowers to deposit their savings in the bank.
- To collect information about the condition of crops in the villages.
- To collect necessary data from determination of village adoption for financing of agriculture, like farmers ' land holdings, availability of infrastructural facilities, source of irrigation, use of tractors, pump sets, etc. credit facilities, available in village, recovery performance and the like.
- To maintain liaison with land Record and Registration Offices and other Governmental/Developmental agencies for expeditious handling of the banks' work.
With a view to making optimum use of the technical skill of the agricultural/ development assistant, normally he may not be entrusted with the usual clerical work, but where necessary, he may be asked to do the clerical work.
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