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आरटीआई - धारा 4 (1) (ख)

आरटीआई - धारा 4 (1) (ख)

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रणनीतिक आयोजना और उत्पाद नवोन्मेष विभाग
Department of Refinance
Information required to be published under Section 4 (1) (b) of the RTI Act
Sr.No. Particulars Information
(i) Particulars of its organisation, functions and duties Department of Refinance (DOR)
NABARD Head Office, Mumbai
Tel-022 26524926
Fax- 022 26530090
(i)Provides refinance support to banks against their short term, medium term and long term lendings 
(ii)Acts as a nodal agency for channelising subsidy under various Government Sponsored Schemes
(iii)Monitors implementation of Interest Subvention scheme in respect of RRBs and Cooperatives.
(iv)Monitors Kisan Credit Card scheme in respect of RRBs and Cooperatives
(v)Associated with implementation of centrally sponsored scheme on Revival, Reform and Restructuring Package for Handloom sector
(vi)Acts as nodal agency for channelising the margin money and interest subsidy under the Comprehensive Package for the Handloom sector
(vii)Acts as nodal agency for the GoI package for restructuring of term loans of cooperative sugar mills 
(ii) The powers and duties of its officers and employees A.Delegation of Power- The power for sanction and release of refinance under various lines of assistance by NABARD have been delegated to officers in various grades as indicated below. These powers are exercised by the respective officers based on recommendations of Sanctioning Committees

A. Cooperatives
Purpose In charge of RO(CGM/GM) CGM, DoR HO ED
ST (SAO) Unrestricted - -
ST(SAO)- against pledge of securities Unrestricted - -
ST(SAO)- against pledge of securities ST (Weavers)- All type of limits to StCBs, Scheduled Commercial Banks and RRBs Unrestricted - -
ROs headed by Officers in Grade 'D' will have powers in sanctioning ST(SAO) credit limits to Cooperative Banks upto `5.00 crore (as hitherto)
(i)ST Credit limit for marketing of crops Unrestricted powers to the in-charges of RO (CGM/GM) to sanction credit limit under ST(Others)
(ii)ST limit for financing approved short term agricultural/allied activities
(iii)ST limit for finnacing pisciculture activities
(iv)ST credit limit for financing production and marketing activities of Primary Industrial Cooperative Societies, Labour Contract and Forest Labour Cooperative Societies
(v)ST credit limits for financing Apex/Regional Industrial Cooperative Societies (other than weavers)
(vi)ST credit limit for financing individual Rural Artisans through PACS
(vii)ST limit for financing procurement, stocking and distribution of chemical fertilisers
MT loans for purchase of share of Cooperative Sugar Mills/ Processing societies   5.00 25.00
MT(Conversion) loans out of NRC (Stabilisation) fund including MT (Reschedulement/ Rephasement) loans     100.00
LT loans to State Government u/s 27 of NABARD Act, 1981 for contribution to Share Capital of cooperative credit institutions     10.00
B.Regional Rural Banks      
Purpose In charge of RO(CGM/GM) ED
Aggregate ST(SAO) ST (OSAO) credit limits Unrestricted powers to the in-charges of RO (CGM/GM) irrespective of the fact whether the banks are complying with Section 42(6)(a)(i) of RBI Act, 1934 or not
Ros headed by officers in Grade 'D' will have powers for sanctioning aggregate ST (SAO) and (OSAO) credit limits to RRBs upto `5.00 crore irrespective of the fact whether the bank is complying with Section 42(6)(a)(i) of RBI Act 1934 or not
(i)Marketing of crops Unrestricted  
(ii)Limit for financing pisciculture activities Unrestricted  
MT(Conversion) loans out of NRC (Stabilisation) fund including MT(Reschedulement/ Rephasement) loans - 10.00
(ii) The powers and duties of its officers and employees Long Term

1.Sanction of schemes at RO level
Particulars/ Purpose Refinance Commitment (` lakh)
Rephasement of schemes where refinance commitments or parameters are not revised Without restriction on number of times and years Maximum three years extension of original phasing Maximum 2 years extension of original phasing
Rephasement of schemes where financial outlay is revised or involves other changes in conditions of sanction By sanctioning authority within the delegated powers for sanction of schemes
3. Release of refinance
Particulars Refinance (` lakh)
(i)Drawals under ARF Unrestricted Unrestricted Unrestricted Unrestricted 100 40
(ii)Drawals under sanctioned schemes Unrestricted Unrestricted 300 Unrestricted 100 -
(iii)Release of interim finance to SCARDBs RO-In-Charge: Unrestricted
Government Sponsored Schemes- CGM/OIC of Regional Office can sanction and release capital subsidy/ interest subsidy/ grant/ revolving fund assistance/ other assistance of any nature out of funds placed with NABARD by Govt. of India/State Government or any other agency under the schemes that are being/will be implemented by NABARD.

B.Duties- The officers and employees perform the duties assigned to them to carry out all the functions of the department as outlined in para at serial no. (i) above.
(iii) Procedure followed in the decision making process, including channels of supervision and accountability Procedure- The policy guidelines for release of refinance are issued to client banks on an annual basis at the beginning of the year. The modalities for release of subsidy/Interest Subvention are governed by the procedure prescribed in respective schemes formulated by Govt. of India. The operational guidelines in this regard are issued by HO from time to time. 
Supervision- The prescribed guidelines are strictly followed by the functionaries. In order to further strengthen the system and procedure, the work done at a lower level is monitored/supervised by an authority at the higher level as per the chart given below:  Chief General Manager 
General Manager (3)
Policy (ST& LT), KCC Monitoring (ST& LT), Sugar , Interest Subvention Government Sponsored Schemes, Administration Cofinance, Coordination
2 Mgr 3 Mgr. 1 Mgr. 2 Mgr
2 AM 4 AM 3 AM  

Accountability- Accountability is fixed on officials according to the duties and authorities assigned to them. .
(iv) Norms set by it for the discharge of its functions Functions are discharged within the overall framework of rules and regulations of NABARD, guidelines received from GoI and RBI and norms/parameters prescribed in various policy circulars issued by the Department. The norms for various functions are outlined as follows: 

1 Refinance- Long Term 
1.1 Eligible Institutions 
NABARD can give refinance assistance to SCARDBs, StCBs or a scheduled bank or any other financial institution, approved by Reserve Bank of India (RBI). Under the category of any other financial institution, North East Development Finance Corporation (NEDFi), NABFINS, Agriculture Development Finance Corporations (ADFCs), Primary Urban Cooperative Banks (PUCBs) and Non-Banking Finance Companies (NBFCs) have so far been approved by RBI. 
1.2 Eligible Purposes 
NABARD provides refinance for both Farm Sector and Non - Farm Sector activities. Farm Sector activities are supported irrespective of location of the project. In case of Non-Farm Sector activities, NABARD can provide refinance for such activities in rural areas / other areas which can be treated as rural areas as defined in the NABARD Act, 1981 (i.e. any area with population upto 50,000 is at present considered as rural area). However, agro-processing / agro- industries irrespective of their location and also irrespective of the amount of investment in plant and machinery are eligible for refinance from NABARD. Further, as far as other Non - Farm Sector activities are concerned, industrial units which qualify as Micro and Small Enterprises (MSMEs), Rural Housing, Small Road and Water Transport Operators, Health Care units, and other Service Sector activities are eligible for refinance from NABARD. Business activities are not eligible for refinance unless they are financed under Govt. Sponsored Programmes like SGSY, SC/ST Action Plan etc. 
1.3. Quantum of Refinance 
The refinance assistance is extended to financial institutions at various rates as a percentage of bank loans disbursed
1.4 Rate of interest on refinance 
Rate of interest on refinance is reviewed from time to time taking into account the cost of funds, market conditions etc.
    2 Refinance- Medium Term 

2.1. Eligible Institutions- All the institutions/borrowing agencies/ entities such as Scheduled Commercial Banks, RRBs, StCBs, PUCBs, SCARDBs, ABFL, ADFT, NABFINS, NEDFi, NBFCs etc which are eligible to avail refinance facilities from NABARD

2.2 Eligible Purposes
All investment activities under medium term purposes related to agriculture and allied activities are eligible. 

2.3. Quantum of Refinance Quantum will be to the extent of upto 100% of loans released subject to institution wise/agency wise maximum eligibility prescribed in our refinance policy from time to time 

2.4 Rate of interest on refinance Rate of interest on refinance is reviewed from time to time taking into account the cost of funds, market conditions etc. 

2.5 Repayment period Minimum repayment period is 18 months and maximum is 3 years 

3.Refinance-Short Term-

NABARD provides short-term refinance for various types of seasonal agricultural operations/production/marketing/ procurement activities. 

3.1 Concessional refinance is provided in the form of a consolidated limit to State Cooperative Banks(StCBs) on behalf of all eligible District Central Cooperative Banks (DCCBs), and to Regional Rural Banks (RRB) for financing Seasonal Agricultural Operations (SAO) which covers such activities as are undertaken in the process of raising various crops and are seasonal in nature. The activities include among others, ploughing and preparing land, sowing, weeding, transplantation, applying inputs such as seeds, fertilizers, etc., and labour for raising and harvesting the crops. 

3.2 NABARD also provides Short Term credit limits to State Cooperative Banks against pledge of Government securities for financing Seasonal Agriculture Operations. This facility helps the StCBs to get released their own resources locked up in Government/trustee securities and to utilise the resources thus released in financing SAO. 

3.3 As per NABARD's refinance policy for seasonal agricultural operations in production credit, the banks are required to earmark certain percentage of their lending to small and marginal farmers. 

3.4 Rate of Interest of Refinance- 4.5% under ST-SAO for RRBs and Cooperatives who provide crop loans to farmers @` 3.00 lakh per farmer

3.5 From the year 2007-08, consolidated Short-Term(Others) limits was sanctioned to StCB on behalf of eligible DCCBs for financing the following activities:

    a)Approved short term agricultural/allied and marketing activities which are not covered under normal credit covering secured advances. 

b)Marketing of crops for affording reasonable opportunities for remunerative price to growers for their produce by enabling them to hold on to the produce for time being. Such advances are permitted against pledge of agricultural produce kept in own godown also. 

c)Working capital requirements of cottage, village, small scale primary Industrial Co-operative Societies (other than weavers) for production and marketing activities. 

d)Working capital requirements of labour contract and forest labour co-operative societies for activity such as marketing, manufacturing or processing of goods and/or collection and marketing of minor forest produce and engaged in any one or more of the 22 approved broad groups of cottage and small scale industries. 

e)Working capital requirement of Rural Artisans (including weaver members of PACS/ LAMPS/FSS) for production and marketing or servicing activities of such rural artisans including weaver members of PACS/FSS/LAMPS engaged in any of the 22 broad groups of approved cottage and small scale industries or handloom weaving industry and working on a viable basis. 

f)Working capital requirement of Fisheries Societies/fishermen of PACS (for StCBs). 

g)Procurement, stocking and distribution of chemical fertilisers and other agricultural inputs.

3.6 Refinance is provided to RRBs for financing marketing of crops, pisciculture and certain approved purpose other than SAO i.e. financing production and marketing activity of artisans (including handloom weavers) and village, cottage, tiny sector industries, financing persons belonging to weaker section and engaged in trade/business/service activity including distribution of inputs for agriculture and allied activity and ST(Others) line of credit. 

3.7 Refinance support in the form of consolidated limit to StCBs on behalf of eligible DCCBs for financing the working capital requirements of the Primary Weavers' Cooperative Societies (PWCS) for production and marketing of cloth. For financing the individuals directly by DCCBs for meeting the working capital requirements of those engaged in the field of handloom weaving and self employed weavers groups organised on the pattern of SHG for the working capital requirements in Master Weavers and Handloom Weaver Coopertaives

3.8 Refinance support to State Cooperative Banks for financing procurement and marketing of cloth of Apex Weavers Cooperative Society. 

3.9 Refinance support to State Cooperative Banks for financing Trading in yarn by Apex/Regional Weavers' Cooperative Societies.

3.10 Refinance support to Scheduled Commercial Banks for financing working Capital requirements of Primary Handloom Weavers' Cooperative Societies (PHWCS). 

3.11Refinance support to State Cooperative Banks/Scheduled Commercial Banks for financing working capital requirements of State Handloom Development Corporations (SHDCs)

3.11Refinance to Scheduled Commercial Banks and RRBs for working capital and marketing requirements of Individual Weavers/ Handloom Weavers Group/Master Weavers, Weaver members of defunct/non working weaver societies, mutually aided cooperative societies, Societies outside cooperative fold and Producer Group Companies. 
4. Refinance-Medium Term Conversion Refinance facility is available to StCBs and RRBs against the loans converted/ rescheduled / rephased of farmers affected by natural calamities under Medium term stabilization arrangement. The conversion facility in case of StCBs is shared by NABARD (60%), State Government(15%) and StCB (25%) and in the case of RRBs the sharing ratio is NABARD (70%), Sponsor Bank (25%) and RRBs(5%).
    5. Long Term loan to State Govt.
Long Term Loans are provided by NABARD to State Government for contribution of share capital to cooperative credit institutions (StCBs /DCCBs/ SCARDBs /PCARDBs / PACS /FSS /LAMPS) for periods upto 12 years in order to strengthen the share capital base of these institutions and thereby increase their maximum borrowing power and enable them to undertake larger lending programmes; subject to certain conditions. 

6. Interest Subvention under GoI Scheme for Financing of crop loan at 7% p.a. - The Hon'ble Finance Minister in his budget speech (para 49) for 2006-07 announced that the Government had decided to ensure that the farmer receives short term credit at 7%, with an upper limit of ` 3.00 lakh on the principal amount. The policy came into force with effect from Kharif 2006-07. The amount of subvention was to be calculated on the amount of crop loan from the date of disbursement up to the date of repayment. 

In pursuance of this announcement, the Government of India provided interest subvention of 2 % to Public Sector Banks, Regional Rural Banks and Cooperative Banks in respect of short term production credit up to ` 3.00 lakh provided to farmers out of their own resources, provided the banks make available short term credit @ 7% p.a. at ground level. 

The scheme, introduced in 2006-07, has continued in the following years with certain modifications and changes in rate of subvention. Year-wise rate of interest subvention made available to the banks on their own funds is as under:- 2007-08- 2% 
2008-09- 3%
2009-10- 2%
2010-11- 1.5%
2011-12- 2%
2012-13- 2%
2013-14- 2%
2015-16-2% Incentive to farmers on prompt repayment Since the year 2009-10, the GoI revised the scheme and additional interest subvention was extended to farmers who repaid their loans on or before the due date or the date fixed by the bank, subject to a maximum period of one year.Year-wise rate of incentive to prompt payee farmers is as under:- 2009-10- 1%
2010-11- 2%
2011-12- 3%
2012-13 - 3% 
2013-14- 3% 
2014-15- 3%
2015-16- 3% Interest Subvention to Small and Marginal Farmers against Negotiable Warehouse Receipts 

In order to discourage distress sale of produce by farmers and to encourage them to store their produce in warehouses against warehouse receipts, Government of India (GoI) had introduced a scheme in 2011-12 for extending concessional loans to the farmers against negotiable warehouse receipts. Post harvest loans against Negotiable Warehouse Receipts (NWR) provided by banks to Small and marginal farmers (SF/MF) having Kisan Credit Cards, would be eligible for interest subvention, for period of up to six months on the same rate as available to crop loan. SF/MF, who have not availed crop loans through banking system, would not be eligible. No additional subvention towards prompt repayment, as is available for crop loans, is envisaged under the scheme.
Further, to provide relief to farmers affected by natural calamities, Interest Subvention of 2% has been made available to banks for the first year on the restructured amount of crop loans. Such restructured loans may attract normal rate of interest as per the policy laid down by the RBI from the second year onwards. 
Under the scheme, interest subvention would be available to NABARD for providing concessional refinance to RRBs and Cooperative Banks. NABARD is subvented to the extent of difference between weighted average cost of funds mobilised and refinance rate. Additionally, administrative cost of 20 basis points is also provided by GoI.
7. Kisan Credit Card-
Kisan Credit Card Scheme has been launched in the country to facilitate flow of adequate credit to farmers in a hasslefree and timely manner. Some of the provisions of the scheme are as under:
  • Wider delivery channels : Operations through Branch/Cheque facility/BCs/ATM (debit card)/POS/Mobile handsets
  • More clarity in assessing credit needs (inclusion of post harvest / household/consumption needs up to 10% + maintenance expenses up to 20%)
  • Cost escalation built in for assessing the limit – Notional hike of 10% for fixing credit limit from second year onwards
  • More activities covered under Term Loan
  • Emphasis on financing Joint Liability Groups
  • One time documentation at first availment and thereafter simple declaration from second year 
  • Moving towards accessing online land record and creation of charge.
8 (i)Short Term Credit Refinance Fund: STCRC and STRRB

The fund is intended to augment resources of NABARD for extending short term (SAO) refinance to cooperatives and RRBs. The corpus of the fund is contributed by scheduled commercial banks having shortfall in achievement of priority sector target and sub-targets as decided by Reserve Bank from time to time. Accordingly banks contribute to the corpus announced in each year's budget. NABARD supplements this fund with open market borrowing for extending ST(SAO) refinance to cooperatives and RRBs. During the year 2015-16 an amount of Rs.45000 crore has been allocated under STCRC fund and Rs.15000 crore under ST(RRB) fund.

(ii)Long Term Rural Credit Fund:

The Fund was announced by GoI in the Union Budget 2014-15 to motivate Cooperative Banks and RRBs to extend agriculture term loans to the farmers at concessional rate of interest. This fund has been constituted with an initial allocation of Rs.5000 crore which has been subsequently increased to Rs.15000 crore during 2015-16. NABARD is providing refinance facility to Cooperative Banks and RRBs out of this fund to enable them to provide agriculture term credit at concessional rate.
9.Government Sponsored Schemes-

NABARD is the passthrough agency for channelising subsidy for various Government Sponsored Schemes implemented by GoI. The norms for execution of subsidy programmes is given in point no. (xii)
(v) Rules, regulations, instructions, manuals and records, held by it or under its control or used by its employees for discharging its functions. The following manuals containing broad policy , procedures/rules documentation etc have been prepared for reference:
  • PCD Manual- Part I
  • PCD Manual- Part II
  • ICD Manual
  • Book of Instructions of ICD
  • Handbooks on Government Sponsored Schemes
  • Internal and external circulars are made available to staff members on the Bank's intranet and external circulars on Bank's website (
  • Modifications in the guidelines/operational instructions are made from time to time through issuance of circulars which are also uploaded on the website
    (vi) A statement of the categories of documents that are held by it or under its control The following documentation are done for release of refinance- A. General Refinance Agreement, Board Resolution- Executed by borrowing institutions for long term refinance support
    B. Government Gurantee or Pledge of FDs- by StCB and SCARDB for long term refinance support/ interim finance assistance
    C. Loan Agreement, Mandate, DP note , NODC statements- by StCB/RRB for short term refinance support
    (vii) 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 Feedback from banks, farmers, rural enterpreneurs, members of public are obtained through our district offices, meetings, workshops, studies, training programmes etc. which are taken into account for framing various policies and programmes of the department
    (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 The policy/modalities for refinance and direct lending in DoR are effected after taking approval from Board or various committees of the Board of NABARD. The meetings of the board/such committtees and minutes thereof are not open to public.
    (ix) A directory of its officers and employees These particulars may be accessed from information furnished by HRMD
    (x) The monthly remuneration received by each of its officers and employees, including the system of compensation as provided in its regulations do
    (xi) Budget allocated to each of its agency, indicating the particulars of all plans, proposed expenditures and reports on disbursements made Budget Allocated and Disbursements made: 
    Long Term Refinance – Position as on 31.03.2016
    Agency Target for 2015-16 Achievement as on 31.03.2016
    Commercial Banks 20000.00 22823.54
    RRBs 13699.00 12139.68
    StCBs 5000.00 6231.12
    SCARDBs 3200.00 3258.26
    Others 3100.00 3611.12
    Total 44999.00 48063.72
    Cofinance 1.00 0.00
    Grand Total 45000.00 48063.72
        Short Term Refinance – Position as on 31.03.2016
    Agency Target for 2015-16 Achievement as on 31.03.2016
    StCB 53774.00 53773.68
    RRB 16000.00 16000.45
    PSB to PACs 225.00 226.54
    Negotiable Warehouse Receipts 1.00 0.50
    Total 70000.00 70001.17
    Particulars Limit Sanctioned as on 2015-16 Max. Outstanding as on 31.03.2016
    ST- Others 1450.00 1027.22
    ST- Weavers 300.00 188.22
    Government Sponsored Schemes
    S.No. Name of the Scheme Cumulative Subsidy Disbursed as on 31.03.2016
    1 Dairy Enterpreneurship Development Scheme 932.71
    2 Poultry Venture Capital Fund (Subsidy) scheme 151.82
    3 Integrated Development of Small Ruminants and Rabbits 92.95
    4 Pig Development 53.02
    5 Salvaging and Rearing of Male Buffalo Calves 0.23
    6 Grameen Bhandaran Yojana 2108.36
    7 Agricultural Marketing Infrastructure, Grading  and Standardisation 1287.73
    8 Agri Clinics and Agri Business Centres 42.36
    9 Scheme for Installation of Solar Off Grid and Decentralised Application under Jawahar Lal Nehru National Solar Mission 310.81
    10 Solar Pumping 18.94
    11 National Project on Organic Farming 24.09
    (xii) Manner of execution of subsidy programmes, including the amounts allocated and the details of beneficiaries of such programmes Solar - 
    Under this scheme subsidy is provided for installation of small capacity Solar Home Lights and Solar Water Heaters. The banks after sanctioning bank loan, place the subsidy claim proposal to the concerned State Regional Offices of NABARD. Our regional offices scrutinise and place the same for sanction in the Project Sanctioning Committee headed by the Chief General Manager. Before release of subsidy, our ROs seek confirmation of fund availability from HO under respective schemes. After obtaining confirmation from HO, Regional Offices release the subsidy to the concerned banks. Govt. of India has allowed us to release advance parking of subsidy at the limit of ` 25/50 lakh at a time to the banks. The banks after utilising the same request further dose of advance parking of subsidy from NABARD.
        ACABC & AMIGS- 
    The Regional Offices of NABARD scrutinize the proposals of subsidy claims received from banks and sanction the subsidy. The consolidated subsidy claims are sent to Dept. of Refinance, NABARD, Head Office by the ROs which places an indent for funds to GoI based on the claims from ROs. Based on availability of funds from GoI, the claims received from Regional Offices are confirmed for release to the respective banks. The statewise details of beneficiaries are available with NABARD Regional Offices and the nodal departments

    Rural Godown Regional Offices of NABARD scrutinize claims received from banks on behalf of their borrowers and sanction the eligible subsidy, on finding the same suitable as per GoI guidelines. Subsequently, consolidated subsidy claims are forwarded by ROs to Dept. of Refinance, NABARD, Head Office (HO) at Mumbai seeking confirmation to release the subsidy. Time to time HO places indent for funds with GoI based on the claims from ROs. Based on availability of funds HO gives confirmation to ROs for release of subsidy, in chronoligical order. As per GoI guidelines, subsidy is routed through the financing banks to the enterpreneurs by NABARD Regional Offices. Budget/funds for the scheme is allocated by GoI every year.
    Animal Husbandry Schemes-  Regional Offices (ROs) of NABARD scrutinize claims received from banks and sanction the eligible subsidy, on finding the same suitable as per GoI guidelines. Subsequently, consolidated subsidy claims are forwarded by ROs to Dept. of Refinnace, NABARD, Head Office (HO) at Mumbai seeking confirmation to release the subsidy. Time to time HO places indent for funds with GoI based on the claims from ROs. HO receives fund as and when the same is released by GoI . Based on availability of funds from GoI ,HO gives confirmation to ROs for release of subsidy. As per GoI guidelines, subsidy is routed through the financing banks to the enterpreneurs by NABARD regional offices. Budget/funds for the scheme is allocated by GoI every year.    
    (xiii) Particulars of recipients of concessions, permits or authorisations granted by the organisation The provisions under various schemes are equally applicable to all eligible institutions
    (xiv) Details in respect of the information available to or held by it, reduced in an electronic form All relevant information are available in both hard and soft form
    (xv) Particulars of facilities available to citizens for obtaining information, including the working hours of a library or reading room, if maintained for public use There is no library or reading room in DoR. The information sought for under RTI Act are provided in due course to the applicants through RTI cell
    (xvi) The names, designations and other particulars of the Public Information Officers
    Available on below link
    (xvii) Such other information as may be prescribed and thereafter update these publications every year. NIL