RBI/2016-17/02
FIDD.CO.LBS.BC.No.5/02.01.001/2016-17
July
1, 2016
The Chairmen and Managing
Directors
SLBC Convenor Banks/Lead Banks
Dear Sir/Madam
MASTER
CIRCULAR – Lead Bank Scheme
The Reserve Bank of India has
issued guidelines on Lead Bank Scheme from time to time. This Master
Circular consolidates the relevant guidelines issued by Reserve Bank of
India on Lead Bank Scheme up to June 30, 2016 as listed in the Appendix.
2. This Master Circular has been placed on the RBI
website rbi.org.in
Yours faithfully,
(Jose J. Kattoor)
Chief General Manager
Encl: As above
Structure
|
1
|
Introduction
|
2
|
Fora under Lead
Bank Scheme
|
2.1
|
Block Level
Bankers’ Committee
|
2.2
|
District
Consultative Committee (DCC)
|
2.2.1
|
Constitution of DCC
|
2.2.2
|
Conduct of DCC
Meetings
|
2.2.3
|
Agenda for DCC
Meetings
|
2.2.4
|
Role of LDMs
|
2.2.5
|
Quarterly Public
Meeting and Grievance Redressal
|
2.2.6
|
District Level
Review Committee (DLRC) Meetings
|
2.2.7
|
DCC/DLRC meetings –
Annual Calendar of Meetings
|
2.3
|
State Level Bankers’
Committee (SLBC)
|
2.3.1
|
Constitution of
SLBC
|
2.3.2
|
Conduct of SLBC
Meetings
|
2.3.3
|
Agenda for SLBC
Meetings
|
2.3.4
|
Banking Penetration
|
2.3.5
|
SLBC – Yearly
Calendar of Meetings
|
2.3.6
|
SLBC Website –
Standardization of information/data
|
2.3.7
|
Liaison with State
Government
|
2.3.8
|
Capacity
Building/Training/Sensitization Programmes
|
3
|
Implementation of
Lead Bank Scheme
|
3.1
|
Preparation of
credit plans
|
3.2
|
Potential Linked
Credit Plans (PLPs)
|
3.3
|
Monitoring the
performance of credit plans – MIS
|
4
|
Assignment of Lead
Bank Responsibility
|
5
|
Roadmap for
provision of banking services in unbanked villages
|
5.1
|
Roadmap for opening
brick and mortar branches in villages with population more than 5000
without a bank branch of a scheduled commercial bank
|
6
|
Credit Deposit
Ratio
|
6.1
|
CD ratio of banks
in Rural and Semi-Urban Areas
|
6.2
|
Implementation of
the recommendations of Expert Group on CD ratio
|
7
|
Direct Benefit
Transfer
|
7.1
|
Seeding of Aadhaar
in bank account – Clarification
|
8
|
Service Area
Approach
|
8.1
|
Dispensing with No
Due Certificate
|
1. Introduction
(i) The genesis of Lead Bank
Scheme (LBS) can be traced to the Study Group headed by Prof. D. R. Gadgil
(Gadgil Study Group) on the organizational framework for implementation of
the social objectives, which submitted its report in October 1969. The Study
Group drew attention to the fact that commercial banks did not have
adequate presence in rural areas and also lacked the required rural
orientation. The Study Group, therefore, recommended the adoption of an
'Area Approach' to evolve plans and programmes for the development of an
adequate banking and credit structure in the rural areas.
(ii) A Committee of Bankers on
Branch Expansion Programme of public sector banks appointed by Reserve Bank
of India under the Chairmanship of Shri F. K. F. Nariman (Nariman Committee)
endorsed the idea of area approach in its report (November 1969)
recommending that in order to enable the public sector banks to discharge
their social responsibilities, each bank should concentrate on certain
districts where it should act as a 'Lead Bank'.
(iii) Pursuant to the above
recommendations, the Lead Bank Scheme was introduced by Reserve Bank of
India in December 1969. The Scheme aims at coordinating the activities of
banks and other developmental agencies through various fora in order to
achieve the objective of enhancing the flow of bank finance to priority
sector and other sectors and to promote banks' role in overall development
of the rural sector. For coordinating the activities in the district, a
particular bank is assigned the lead bank responsibility of the district.
The lead bank is expected to assume leadership role for coordinating the
efforts of the credit institutions and Government.
(iv) In view of the several
changes that had taken place in the financial sector, the Lead Bank Scheme
was last reviewed by the High Level Committee headed by Smt Usha Thorat,
Deputy Governor of the Reserve Bank of India in 2009.
(v) The High Level Committee
held wide ranging discussions with various stakeholders viz. State
Governments, banks, development institutions, academicians, NGOs, MIFIs
etc. and noted that the Scheme has been useful in achieving its original
objectives of improvement in branch expansion, deposit mobilisation and
lending to the priority sectors, especially in rural/semi urban areas. There
was overwhelming consensus that the Scheme needs to continue. Based on the
recommendations of the Committee, guidelines were issued to SLBC Convenor
banks and lead banks for implementation.
2. Fora under Lead Bank Scheme
2.1 Block Level Bankers’ Committee
(BLBC)
BLBC is a forum for achieving
coordination between credit institutions on one hand and field level
development agencies on the other. The forum prepares and reviews
implementation of Block Credit Plan and also resolves operational problems
in implementation of the credit programmes of banks. Lead District Manager
of the district is the Chairman of the Block Level Bankers’ Committee. All
the banks operating in the block including the district central
co-operative banks and RRB, Block Development Officer, technical officers
in the block, such as extension officers for agriculture, industries and
co-operatives are members of the Committee. BLBC meetings are held at
quarterly intervals. The LDO of RBI and the DDM of NABARD selectively
attend the meetings of the BLBCs. The representatives of Panchayat Samitis
are also invited to attend the meetings at half yearly intervals so as to
share their knowledge and experience on rural development in the credit
planning exercise.
2.2 District Consultative
Committee (DCC)
2.2.1 Constitution of DCC
DCCs were constituted in the
early seventies as a common forum at district level for bankers as well as
Government agencies/departments towards coordination of activities in
implementing various developmental activities under the scheme. The
District Collector is the Chairman of the DCC meetings. Reserve Bank of
India, NABARD, all the commercial banks in the district, co-operative banks
including District Central Cooperative Bank (DCCB), RRBs, various State
Government departments and allied agencies are the members of the DCC. The
Lead District Officer (LDO) represents the Reserve Bank as a member of the
DCC. The Lead District Manager convenes the DCC meetings. The Director of
Micro Small and Medium Enterprises Development Institutes (MSME-DI) is an
invitee in districts where MSME clusters are located to discuss issues
concerning MSMEs.
2.2.2 Conduct of DCC Meetings
i.
DCC
meeting should be convened by the lead banks at quarterly intervals.
ii.
At the
DCC level, sub-committees as appropriate may be set up to work intensively
on specific issues and submit reports to the DCC for its consideration.
iii.
DCC
should give adequate feedback to the SLBC on various issues that needs to
be discussed on a wider platform, so that these receive adequate attention
at the State Level.
2.2.3 Agenda for DCC Meetings
While all lead banks are
expected to address the problems particular to the concerned districts,
some of the important areas which are common to all districts which the
lead banks should invariably discuss in the fora are as under:
i.
Monitoring
mechanism to periodically assess and evaluate the progress made in
achieving the road map to provide banking services within the prescribed
time frame. The progress under financial inclusion plan (FIP) should also
be reviewed in DCC meetings.
ii.
The
specific issues inhibiting and enabling IT enabled financial inclusion
iii.
Issues
to facilitate 'enablers' and remove/minimise 'impeders' for banking
development for inclusive growth
iv.
Monitoring
initiatives for providing 'Credit Plus' activities by banks and State
Governments such as setting up of Financial Literacy Centres (FLCs) and
RSETI type Training Institutes for providing skills and capacity building
to manage businesses.
v.
Scaling
up financial literacy efforts to achieve financial inclusion.
vi.
Review
of performance of banks under District Credit Plan (DCP)
vii.
Flow
of credit to priority sector and weaker sections of the society
viii.
Assistance
under Government sponsored schemes
ix.
Grant
of educational loans
x.
Progress
under SHG - bank linkage
xi.
SME
financing & bottlenecks thereof, if any
xii.
Timely
submission of data by banks
xiii.
Review
of relief measures (in case of natural calamities wherever applicable)
The above list is illustrative
and not exhaustive. The lead banks may include any other agenda item
considered necessary.
2.2.4 Role of LDMs
As the effectiveness of the Lead
Bank Scheme depends on the dynamism of the District Collectors and the Lead
District Managers (LDMs), with supportive role of the Regional/Zonal
Office, the office of LDM should be sufficiently strengthened with
appropriate infrastructural support being the focal point for successful
implementation of the Lead Bank Scheme. Officers of appropriate level and
attitude should be posted as LDMs. Apart from the usual role of LDMs like
convening meetings of the DCC/DLRC and periodical meetings of DDM/LDO/
Government officials for resolving outstanding issues etc., the new
functions envisaged for LDMs include the following:
i.
Drawing
up and monitoring the road map for banking penetration
ii.
Monitoring
implementation of district credit plan
iii.
Associate
with the setting up of Financial Literacy Centres (FLCs), RSETIs by banks
iv.
Associate
with organizing financial literacy camps by FLCs and rural branches of
banks.
v.
Holding
annual sensitisation workshops for banks and Government officials with
participation by NGOs/Panchayati Raj Institutions (PRIs)
vi.
Arranging
for quarterly awareness and feedback public meetings, grievance redressal
etc.
2.2.5 Quarterly Public Meeting
and Grievance Redressal
The Lead District Manager should
convene a quarterly public meeting at various locations in the district in
coordination with the LDO of Reserve Bank, banks having presence in the
area and other stakeholders to generate awareness of the various banking
policies and regulations relating to the common person, obtain feedback
from the public and provide grievance redressal to the extent possible at
such meetings or facilitate approaching the appropriate machinery for such
redressal.
2.2.6 District Level Review
Committee (DLRC) Meetings
DLRC meetings are Chaired by the
District Collector and attended by members of the District Consultative
Committee (DCC). Besides above, public representatives i.e. Local MPs/MLAs/
Zilla Parishad Chiefs are also invited to these meetings. The DLRC meetings
should be convened by the lead banks atleast once in a quarter. In DLRC
meetings review of the programmes under Lead Bank Scheme is carried out by
getting feedback to know the pace and quality of the implementation of
various programmes in the district. Hence association of non-officials is
considered useful. Lead banks are required to ensure the presence of public
representatives in DLRC meetings as far as possible. Therefore, Lead banks
should fix the date of DLRC meetings with due regard to the convenience of
the representatives of the public i.e. MPs/MLAs etc. and invite and involve
them in all functions conducted by the banks in the districts, such as
opening of new branches, distribution of Kisan Credit Cards, SHG credit
linkage programmes etc. Responses to queries from public representatives
need to be accorded highest priority and attended to promptly. The follow
up of DLRC’s decisions is required to be discussed in the DCC meetings.
2.2.7 DCC/DLRC meetings- Annual
Calendar of Meetings
i) DCC and DLRC are the
important coordinating fora among commercial banks, Government agencies and
others at district level to review and find solutions to the problems
hindering the developmental activities. Therefore, it is necessary that all
the members participate and deliberate in the above meetings. On a review
of the DCC/DLRC meetings, it was observed that late receipt/non-receipt of
intimation of the date of meetings, clash of dates with other events,
commonality of dates etc. hinder participation of members in these
meetings, thus undermining the prime objective of conducting the above
meetings.
ii) Lead banks have, therefore,
been advised to prepare annual schedule of DCC and DLRC meetings on
Calendar year basis for all districts in consultation with the Chairperson
of the meetings, lead district officer of RBI and Public Representatives in
case of DLRC. This yearly Calendar should be prepared in the beginning of
each year and circulated to all members as advance intimation for blocking
future dates to attend the DCC and DLRC meetings and the meetings should be
conducted as per the calendar. While preparing the Calendar, it should be
seen that DCC and DLRC meetings are not held simultaneously.
2.3 State Level Bankers’
Committee (SLBC)
2.3.1 Constitution of SLBC
i) The State Level Bankers’
Committee (SLBC) has been constituted in April 1977, as an apex
inter-institutional forum to create adequate coordination machinery in all
States, on a uniform basis for development of the State. SLBC is Chaired by
the Chairman & Managing Director (CMD) of the convenor bank/Executive
Director of the convenor bank. It comprises representatives of commercial
banks, RRBs, State Cooperative Banks, RBI, NABARD, heads of Government
departments including representatives from National Commission for
Scheduled Castes/Tribes, National Horticulture Board, Khadi & Village
Industries Commission etc. and representatives of financial institutions
operating in a State, who come together and sort out coordination problems
at the policy implementation level. Representatives of various
organizations from different sectors of the economy like retail traders,
exporters and farmers’ union etc. are special invitees in SLBC meetings for
discussing their specific problems, if any. The SLBC meetings are held on
quarterly basis. The responsibility of convening the meetings of the SLBC
would be that of the SLBC convenor bank of the State.
ii) Recognising that SLBCs,
primarily as a committee of bankers at State level play an important role
in the development of the State, illustrative guidelines on the conduct of
State Level Bankers Committee (SLBC) meetings have been issued.
2.3.2 Conduct of SLBC Meetings
i) The SLBC meetings are
required to be held regularly at quarterly intervals. SLBC is chaired by
the Chairman & Managing Director (CMD) of the convenor bank/Executive
Director of the convenor bank and co-chaired by Additional Chief Secretary
or Development Commissioner of the State concerned. High Level of
participation in SLBC/UTLBC meetings ensure an effective and desired
outcome with meaningful discussion on issues of public policy of both the
Government of India and Reserve Bank of India.
ii) The Chief Minister/Finance
Minister and senior level officers of the State/RBI (of the rank of Deputy
Governor / Executive Director) may be invited to attend the SLBC meetings.
Further, the State Chief Ministers are encouraged to attend at least one SLBC
meeting in a year.
iii) In view of the large
membership of the SLBC, it would be desirable for the SLBC to constitute
Steering Sub Committee/Sub-Committees for specific tasks like agriculture,
micro, small/medium industries/enterprises, handloom finance, export
promotion and financial inclusion etc. The sub committees may examine the
specific issues in-depth and devise solutions/recommendations for adoption
by the full committee. It is expected to meet more frequently than the
SLBC. The composition of the sub-committee and subjects/ specific issues
impeding/enabling financial inclusion to be deliberated upon, may vary from
State to State depending on the specific problems/issues faced by the
States.
iv) The secretariat/offices of
SLBC should be sufficiently strengthened to enable the SLBC convenor bank
to effectively discharge its functions.
v) The various fora at lower
levels may give adequate feedback to the SLBC on issues that need to be
discussed on a wider platform.
vi) Several institutions and
academicians are engaged in research and studies etc. that have
implications for sustainable development in agriculture and MSME sector.
Engaging with such research institutions and academicians would be useful
in bringing in new ideas for furthering the objectives of the Lead Bank
Scheme. The SLBCs may, therefore, identify such academicians and
researchers and invite them as 'special invitees' to attend SLBC meetings
occasionally both for adding value to the discussion and also associate
them with studies for product formulation appropriate to the State. Other
'special invitees' may be invited to attend SLBC meetings depending on the
agenda items/issues to be discussed in the meetings.
vii) The activities of NGOs in
facilitating and channeling credit to the low income households are
expected to increase in the coming years. Several corporate houses are also
engaged in corporate social responsibility activities for sustainable
development. Bank's linkage with such NGOs/Corporate houses operating in
the area to ensure that the NGOs/corporates provide the necessary 'credit
plus' services can help leverage bank credit for inclusive growth. Success
stories could be presented in SLBC meetings to serve as models that could
be replicated.
2.3.3 Agenda for SLBC Meetings
While all SLBCs are expected to
address the problems particular to the concerned states, some of the
important areas which are common to all States which the SLBCs should
invariably discuss in the fora are as under:
i.
Financial
inclusion - monitoring mechanism to periodically assess and evaluate the
progress made in achieving the road map to provide banking services within
the time frame prescribed. The progress under FIP should also be reviewed
in SLBC meetings.
ii.
The
specific issues inhibiting and enabling IT enabled financial inclusion.
iii.
Issues
to facilitate 'enablers' and remove/minimise 'impeders' for banking
development for inclusive growth
iv.
Monitoring
initiatives for providing 'Credit Plus' activities by banks and State
Governments such as setting up of Financial Literacy Centres (FLCs) and
RSETI type training institutes for providing skills and capacity building
to manage businesses
v.
Scaling
up financial literacy efforts to achieve financial inclusion.
vi.
Review
of performance of banks under Annual Credit Plan (ACP) of the State
vii.
Regional
imbalances in deployment of credit to various sectors of the economy
viii.
Credit
- Deposit Ratio of the State
ix.
Flow
of credit to priority sector and weaker sections of the society
x.
Assistance
under Government sponsored schemes
xi.
Grant
of educational loans
xii.
Progress
under SHG - bank linkage
xiii.
Discuss
the problems faced by MSME sector
xiv.
Steps
taken for improving land record and recovery mechanism
xv.
Timely
submission of data by banks
xvi.
Review
of relief measures (in case of natural calamities wherever applicable) and
xvii.
Issues
remaining unresolved at the DCC/DLRC meetings
The above list is illustrative
and not exhaustive. The SLBC convenor banks may include any other agenda
item considered necessary.
2.3.4 Banking Penetration
i) Over the years, the focus of
Lead Bank Scheme has shifted to inclusive growth and financial inclusion.
The use of Information Technology (IT) and intermediaries has enabled banks
to increase outreach, scale and depth of banking services at affordable cost.
ii) SLBC Convenor banks / lead
banks are advised to focus attention on the need for achieving 100%
financial inclusion through penetration of banking services in the rural
areas. Such banking services may not necessarily be extended through a
brick and mortar branch but can be provided through any of the various
forms of ICT- based models, including through BCs. However, ICT
connectivity should not be an excuse for not pursuing financial inclusion
by commercial banks/RRBs.
iii) SLBC convenor banks should
take up with the State Governments impeders such as issues of road/digital
connectivity, conducive law and order situation, uninterrupted power supply
and adequate security etc. for ensuring banking expansion at all centres
where penetration by the formal banking system is required. However, these
impeders should not inhibit the scaling up of financial inclusion
initiatives.
2.3.5 SLBC - Yearly Calendar of
Meetings
i) To improve the effectiveness
and streamlining the functioning of SLBC/UTLBC meetings, SLBC convernor
banks have been advised to prepare a yearly calendar of programme (calendar
year basis) in the beginning of the year itself, for conducting the
meetings. The calendar of programme should clearly specify the cut off
dates for data submission to SLBC and acceptance thereof by SLBC convenor.
This yearly calendar should be circulated to all the concerned as an
advance intimation for blocking of future dates of senior functionaries of
various agencies like Central Government, State Governments, banks and RBI,
etc. The SLBC/UTLBC meetings should be conducted as per the calendar under
all circumstances. The agenda should also be circulated in advance without
waiting for the data from defaulting banks. The matter should, however, be
taken up with the defaulting banks in the SLBC meeting. In addition, SLBC
convernor bank should write a letter in this regard to the controlling
office of the defaulting banks under advice to Regional Office of RBI. SLBC
convenor bank will, however, continue to follow-up with banks for timely
data submission. Further, in case the Chief Minister, Finance Minister or
other very senior functionaries are not able to attend the SLBC on some
very rare occasion, then if so desired by them, a special SLBC meeting can
be held. Following broad guidelines should be used for preparation of the
calendar of programmes:
Activity
|
To
be completed by (Date)
|
Preparation of calendar of
SLBC/UTLBC meetings and intimation to all the concerned of the cut-off
dates for submission of data and dates of meetings as per the dateline
given below.
|
15th January every year
|
Reminder regarding the exact
date of meeting and submission of data by banks to SLBC
|
15 days before end of the
quarter
|
Dead line for receipt of
information/data by SLBC convenor bank
|
15 days from the end of the
quarter
|
Distribution of agenda cum background
papers
|
20 days from the end of the
quarter
|
Holding of the meeting
|
Within 45 days from the end of
the quarter
|
Forwarding the minutes of the
meeting to all stakeholders
|
Within 10 days from holding
the meeting
|
Follow-up of the action points
emerged from the meeting
|
To be completed within 30 days
of forwarding the minutes (for review in the next meeting)
|
ii) The objective of preparing
calendar of meetings in the beginning of the year is to ensure adequate
notice of these meetings and timely compilation and dispatch of agenda
papers to all stake holders. It also ensures clear cut guidelines for
submission of data to SLBC convenors by participating banks &
Government Departments. It is expected to save precious time of SLBC
convenors otherwise spent in taking dates from various senior functionaries
attending these SLBC meetings.
iii) SLBC convenor banks need to
appreciate the advantages of ensuring adherence to the yearly calendars.
SLBC convenor banks have therefore been advised to give wide publicity to
the annual calendar at the beginning of the year and ensure that dates of
senior functionaries expected to attend the meetings are blocked for all
meetings by their offices. In case, despite blocking dates, if for some
reason, the senior functionary is not able to attend the meeting, the
meeting should be held as planned in the calendar. More importantly, the data
for review in these meetings should be received as per deadlines set in the
calendar and those who do not submit the data in time should be asked to
explain the reasons for delay in sending the data that may be recorded in
the minutes of the meeting. Under no circumstances preparation of agenda
should be delayed beyond stipulated dates as per calendar.
2.3.6 SLBC Website –
Standardisation of information /data
SLBC Convenor banks are required
to maintain the SLBC websites where all instructions pertaining to LBS and
Government Sponsored Schemes are made available and are accessible to the
common man desiring any information relating to the conduct of meetings or
State wise data/Bank wise performance. In order to standardize the
information and data that is to be made available on SLBC website, an
indicative list of the information & data is given in the Annex II. SLBCs should arrange to place the
prescribed minimum information on the websites of SLBCs of their bank and
keep it updated regularly, at least on quarterly basis. Banks may note that
the list is only an indicative list and SLBCs are free to put any
additional information considered relevant for the State.
2.3.7 Liaison with State
Government
SLBC Convenor banks are expected
to co-ordinate the activities of all banks in the State, discuss with the
State Government officials the operational problems in lending, extending
necessary support for banking development and to achieve the objective of
financial inclusion.
2.3.8 Capacity
Building/Training/Sensitization Programmes
i) There is a need for
sensitising the District Collectors and CEOs of Zilla Parishads on banks
and banking in general as also on the specific scope and role of the Lead
Bank Scheme. In each State, a full day sensitisation workshop may be
convened by the SLBC Convenor bank every year preferably in April/May. Such
sensitisation should form part of the probationary training of such
officers. Further, as soon as they are posted in a district, the SLBC may
arrange for exposure visits for the District Collectors to the SLBC
Convenor’s office for sensitisation and understanding of the Lead Bank
Scheme.
ii) Staff at the operational
level of banks and government agencies associated with implementation of
the Lead Bank Scheme need to be aware of the latest developments and
emerging opportunities. There is need for staff sensitisation/
training/seminars, etc. at periodic intervals on an ongoing basis.
3. Implementation of Lead Bank
Scheme
3.1 Preparation of credit plans
Planning plays an important role
in the implementation of the Lead Bank Scheme and a bottom-up approach is
adopted to map the existing potential for development. Under LBS, planning
starts with identifying block wise/activity wise potential estimated for
various sectors.
3.2 Potential Linked Credit
Plans (PLPs)
i) Potential Linked Credit Plans
(PLPs) are a step towards decentralized credit planning with the basic
objective of mapping the existing potential for development through bank
credit. PLPs take into account the long term physical potential,
availability of infrastructure support, marketing facilities, and
policies/programmes of Government etc.
ii) A pre-PLP meeting is
convened by LDM during June every year to be attended by the banks,
Government agencies, etc., to reflect their views and concerns regarding
credit potential (sector/activity-wise) and deliberate on major financial
and socio-economic developments in the district in the last one year and
priorities to be set out for inclusion in the PLP. DDM of NABARD will make
a presentation in this meeting outlining the major requirements of
information for preparing the PLP for the following year. The preparation
of PLP for the next year is to be completed by August every year to enable
the State Government to factor in the PLP projections.
iii) The procedure for preparing
the District Credit Plan is as follows:
a.
Controlling
Offices of commercial banks and Head Office of RRB and DCCB/LDB will
circulate the accepted block-wise/activity-wise potential to all their
branches for preparing the Branch Credit Plans (BCP) by their respective
branch managers. Banks should ensure that the exercise of preparation of
branch/block plans is completed in time by all branches so that the Credit
Plans become operational on time.
b.
A
special Block Level Bankers' Committee (BLBC) meeting will be convened for
each block where the Branch Credit Plans will be discussed and aggregated
to form the Block Credit Plan. DDM and LDM will guide the BLBC in
finalizing the plan ensuring that the Block Credit Plan is in tune with the
potentials identified activity-wise including in respect of Government
sponsored programmes.
c.
All
the Block Credit Plans of the district will be aggregated by LDM to form
the District Credit Plan. This plan indicates an analytical assessment of
the credit need of the district to be deployed by all the financial
institutions operating in the district and total quantum of funds to be
earmarked as credit by all the financial institutions for a new financial
year. The Zonal/Controlling Offices of banks, while finalizing their
business plans for the year, should take into account the commitments made
in the DCP which should be ready well in time before the performance
budgets are finalized.
d.
The
District Credit Plan will be placed before the DCC by the Lead District
Manager for final acceptance/approval. All the District Credit Plans would
eventually be aggregated into State Level Credit Plan to be prepared by
SLBC convenor bank and launched by 1st of April every year.
3.3 Monitoring the performance
of credit plans
The performance of the credit
plans is reviewed in the various fora created under the lead bank scheme as
shown below:
At Block Level
|
Block Level Bankers’ Committee
(BLBC)
|
At District Level
|
District Consultative
Committee (DCC) & District Level Review Committee (DLRC)
|
At State Level
|
State Level Bankers’ Committee
(SLBC)
|
Monitoring of LBS by RBI -
Monitoring Information System (MIS)
i) Data on Annual Credit Plan
(ACP), is an important element to review the flow of credit in the State.
ACP formats have been revised to align the same with the revised reporting
guidelines on priority sector lending. Accordingly, the ACP is to be prepared
considering the categories of priority sector that would include
Agriculture, Micro, Small and Medium Enterprises, Export Credit, Education,
Housing, Social Infrastructure and Renewable Energy and Others. Further,
agriculture has been redefined to include (i) Farm Credit, (ii) Agriculture
Infrastructure and (iii) Ancillary Activities. Micro, Small and Medium
Enterprises would include manufacturing and service sector under (i) Micro
Enterprises, (ii) Small Enterprises and (iii) Medium Enterprises, Khadi and
Village Industries Sector (KVI) and other finance to MSMEs. Thus, at
present, the reporting statements for ACP target is LBS-MIS-I (Annex IV), statement for disbursement and
outstanding LBS-MIS –II (Annex V) and ACP
achievement vis-à-vis ACP target LBS-MIS-III (Annex
VI). Lead banks/SLBC Convenor banks have been advised, to prepare
the bank group wise statements of LBS-MIS –I, II and III as per prescribed
formats starting from the financial year 2016-17 and also place these
statements for meaningful review in all DCC and SLBC meetings.
ii) In order to maintain
consistency and integrity of data with the all India data of scheduled
commercial banks and meaningful review/analysis of data, the ACP and FIP
data needs to be grouped separately for scheduled commercial banks and
other banks like State cooperative banks & DCCBs etc. while presenting
in the DCC/SLBC meetings and submitting to our regional offices. The data
of scheduled commercial banks needs to be further grouped into public sector
banks, private sector banks and Regional Rural Banks to know the bank group
wise position.
4. Assignment of Lead Bank
Responsibility
i) Lead Bank Scheme is
administered by the Reserve Bank of India since 1969. The assignment of
lead bank responsibility to designated banks in every district is done by
Reserve Bank of India following a detailed procedure formulated for this
purpose. As on June 30, 2016, 25 public sector banks and one private sector
bank have been assigned lead bank responsibility in 673 districts of the
country.
ii) State Level Bankers’
Committee (SLBC)/Union Territory Level Bankers' Committee (UTLBC) as an
apex level forum at State/Union Territory (UT) level coordinates the
activities of the financial institutions and Government departments in the
State/Union Territory under the Lead Bank Scheme. SLBC Convenorship is
assigned to banks for this purpose. As on June 30, 2016, the SLBC/UTLBC
convenorship of 29 States and 7 Union Territories has been assigned to 16
public sector banks and one private sector bank. List of State wise SLBC
Convenor banks and district wise lead banks is given in Annex I.
iii) The Lead Bank Scheme (LBS)
has been extended to the districts in the metropolitan areas thus bringing
the entire country under the fold of the Lead Bank Scheme.
5. Roadmapfor opening of banking
outlets in unbanked villages
i) A phase wise approach has
been adopted to provide door step banking facilities in all the unbanked
villages in the country. In November 2009, under Phase-I, guidelines for
preparation of Roadmap for providing banking services in villages with
population more than 2000 was issued. After successful completion of
Phase-I by March 2012, a roadmap to provide banking services in unbanked
villages with less than 2,000 population was rolled out in June 2012
ii) Keeping in view the ongoing
implementation of PMJDY, SLBC Convenors banks and lead banks have been
advised to complete the process of providing banking services in unbanked
villages with population below 2000 (Phase II) by August 14, 2015 in line
with the PMJDY instead of March 2016 prescribed earlier
iii) Under the Roadmap for
providing banking services in villages with population less than 2000, SLBC
convenor banks are advised to monitor the progress of roadmap for covering
all unbanked villages with population less than 2000 and ensure completion
by the prescribed timeline of August 2015. The quarterly report on the
progress made by banks under above roadmap (bank wise in each district) is
required to be forwarded by SLBCs to the respective Regional Office of
Reserve Bank as per the format prescribed at Annex
III within 15 days from the close of the quarter.
5.1 Roadmap for opening brick
and mortar branches in villages with population more than 5000 without a
bank branch of a scheduled commercial bank
On a review of the roadmap to
provide banking facilities in villages with population more than 2000 and
in villages with population less than 2000, it has been observed that
coverage of banking services in unbanked villages is skewed towards the BC
model and the ratio of branches to BC is very low. For increasing banking
penetration and financial inclusion, brick and mortar branches are an
integral component. Therefore, it has been decided to focus on villages
with population above 5000 without a bank branch of a scheduled commercial
bank. This will also enable banks to provide quality financial services and
timely support to BC outlets that would help in sustaining and
strengthening the services provided through BCs and also ensure close
supervision of BC operations. Accordingly, SLBC Convenor banks were advised
to identify villages with population above 5000 without a bank branch of a
scheduled commercial bank in their State. The identified villages are to be
allotted among scheduled commercial banks (including Regional Rural Banks)
for opening of branches. The opening of bank branches under this Roadmap
should be completed by March 31, 2017.
6. Credit Deposit Ratio
6.1 CD ratio of banks in Rural
and Semi-Urban Areas
Banks have been advised to
achieve a credit deposit ratio of 60% in respect of their rural and semi-urban
branches separately on an all-India basis. While it is not necessary that
this ratio should be achieved separately branch-wise, district-wise or
region-wise, the banks should nevertheless, ensure that wide disparity in
the ratios between different States / Regions is avoided in order to
minimise regional imbalance in credit deployment. The credit dispensation
in certain districts is very low, as a result of various factors such as
lack of necessary infra-structure, varying ability of different regions to
absorb credit, etc. The banks may review the performance of their bank
branches in such areas and take necessary steps to augment the credit flow.
The lead banks may discuss the problem in all its aspects with the other
financial institutions in the district and also in the DCC forums.
6.2 Implementation of the
recommendations of Expert Group on CD Ratio
i) An Expert Group was
constituted by Government of India to go into the nature and magnitude of
the problem of low credit deposit (CD) ratio across States / Regions and to
suggest steps to overcome the problem. The Expert Group examined problems
and causes of low CD ratio. As per the recommendations, the CD ratio of
banks should be monitored at different levels on the basis of the following
parameters –
Institution / Level
|
Indicator
|
Individual banks at Head
Office
|
Cu + RIDF
|
State Level (SLBC)
|
Cu + RIDF
|
District Level
|
Cs
|
Where:
Cu = Credit as per place of
Utilization
Cs = Credit as per place of Sanction
RIDF = Total Resource support provided to States under RIDF
Further, banks are advised that:
·
In the
districts having CD ratio less than 40, Special Sub-Committees (SSCs) of
DCC may be set up to monitor the CD ratio.
·
Districts
having CD ratio between 40 and 60, will be monitored under the existing
system by DCC, and
·
The
district with CD ratio of less than 20 need to be treated on a special
footing.
ii) Special Sub- Committee
(SSCs) of DCC should be set up in the districts having CD ratio less than
40, in order to monitor the CD ratio and to draw up Monitorable Action
Plans (MAPs) to increase the CD ratio. The Lead District Manager is
designated as the convenor of the SSC, which in addition to District
co-ordinators of banks functioning in the area, will comprise of LDO of
RBI, DDM of NABARD, District Planning Officer or a representative of the
Collector duly empowered to take decisions on behalf of the district
administration.
The functions of the Special
Sub-Committee are as under:
·
The
Special Sub-Committee (SSCs) will draw up Monitorable Action Plans (MAPs)
for improving the CD ratio in their districts on a self-set graduated
basis.
·
For
this purpose the SSC will hold a special meeting immediately after its
constitution and on the basis of the various ground level parameters, set
for itself a target for increasing the CD ratio initially for the current
year. It will also, at the same meeting, set a definite time frame for the
CDR beyond 60 in annual increments.
·
Consequent
on the completion of this process, the target and time frame self set by
the SSC will be placed before the DCC for approval.
·
Take
up the plans for implementation and monitor the same assiduously once in
two months.
·
Report
the progress to the DCC on quarterly basis and through them to the convenor
of SLBC.
·
On the
basis of the feedback received from the DCC regarding the progress in the implementation
of the Monitorable Action Plans (MAPs), consolidated report will be
prepared and tabled at all SLBC meetings for discussion / information.
iii) As regards the districts
with CD ratio less than 20, these are generally located in hilly, desert,
inaccessible terrains and / or those dependent solely on the primary sector
and/ or characterized by a breakdown of the law and order machinery. In such
areas, conventional methods are not likely to work unless the banking
system and the State Government come together in a specially meaningful
way.
iv) While the framework for
implementation for raising the CD ratio in these districts will be the same
as in the case of districts with CD ratio below 40 (i.e setting up of SSC
etc.), the focus of attention and the level of efforts should be of a much
higher scale.
For this,
·
All
such districts should first be placed in a special category.
·
Thereafter,
the responsibility for increasing their CD ratio should be taken by banks
and State Governments and the districts should be "adopted" by
the District Administration and the lead bank jointly.
·
While
banks would be responsible for credit disbursement, the State Government
would be required to give an upfront commitment regarding its
responsibilities for creation of identified rural infrastructure together
with support in creating an enabling environment for banks to lend and to
recover their dues. Given a collaborative framework as outlined above, the
Group was of the view that meaningful increase in CD ratio is possible.
·
Progress
in the special category districts will be monitored at the district level
and reported to the corporate offices of the concerned banks.
·
CMDs of
banks would give special attention to the CD ratio in such districts.
7. Direct Benefit Transfer
Direct Benefit Transfer (DBT)
was rolled out by Government of India in selected districts since January
2013. SLBC Convenor banks were advised to co-ordinate with the authorities
to implement DBT. Banks were advised to include the status of the roll-out
of DBT as a regular agenda item for discussion in SLBC meetings as part of
Financial Inclusion/Direct Benefit Transfer (DBT) implementation. As a
prerequisite to the implementation of the DBT, every eligible individual
should have a bank account. Further, to make disbursements at the doorstep
through the ICT-based BC model, banking outlets either through brick &
mortar branches or the branchless mode is needed in all villages across the
country. Hence, banks have been advised to:
·
take
steps to complete account opening and seeding Aadhaar number in all the DBT
districts.
·
closely
monitor the progress in seeding of Aadhaar number in bank accounts of
beneficiaries.
·
put in
place a system to provide acknowledgement to the beneficiary of seeding
request and also send confirmation of seeding of Aadhaar number.
·
form
DBT Implementation Co-ordination Committee, along with State Government
department concerned, at district level and review the seeding of Aadhaar
number in bank accounts.
·
ensure
that district and village wise names and other details of business
correspondents (BCs) engaged/other arrangements made by the bank is
displayed on the SLBC website.
·
set up
a Complaint Grievance Redressal mechanism in each bank and nominate a
Complaint Redressal Officer in each district, to redress the grievances
related to ‘seeding of Aadhaar number in bank accounts'.
7.1 Seeding of Aadhaar in bank
account – Clarification
In view of the Hon’ble Supreme
Court of India’s interim orders dated August 11, 2015 and October 15, 2015
(W.P. (c) No. 494 of 2012) on usages of Aadhaar, it is hereby clarified
that use of Aadhaar Card and seeding of bank accounts with Aadhaar numbers
is purely voluntary and it is not mandatory.
8. Service Area Approach (SAA)
i) The Service Area Approach
(SAA) introduced in April 1989 for planned and orderly development of rural
and semi-urban areas was applicable to all scheduled commercial banks
including Regional Rural Banks. Under SAA, each bank branch in rural and
semi-urban area was designated to serve an area of 15 to 25 villages and
the branch was responsible for meeting the needs of bank credit of its
service area. The primary objective of SAA was to increase productive
lending and forge effective linkages between bank credit, production,
productivity and increase in income levels. The SAA scheme was reviewed
from time to time and appropriate changes were made in the scheme to make
it more effective.
ii) The Service Area Approach
scheme was reviewed in December 2004 and it was decided to dispense with
the restrictive provisions of the scheme while retaining the positive
features of the SAA such as credit planning and monitoring of the credit
purveyance. Accordingly, under SAA the allocation of villages among the
rural and semi-urban branches of banks were made not applicable for lending
except under Government Sponsored Schemes. Thus, while the commercial banks
and RRBs are free to lend in any rural and semi-urban area, the borrowers
have the choice of approaching any branch for their credit requirements.
8.1 Dispensing with No Due
Certificate
In order to ensure hassle free
credit to all borrowers, especially in rural and semi-urban areas and
keeping in view the technological developments and the different ways
available with banks to avoid multiple financing, banks have been advised
to dispense with obtaining ‘No Due Certificate’ from the individual
borrowers (including SHGs & JLGs) in rural and semi-urban areas for all
types of loans including loans under Government Sponsored Schemes,
irrespective of the amount involved unless the Government Sponsored Scheme
itself provides for obtention of ‘No Dues Certificate’. Banks are
encouraged to use an alternative framework of due diligence as part of
credit appraisal exercise other than the ‘No Due Certificate’ which could,
among others, consist of one or more of the following:
·
Credit
history check through credit information companies
·
Self-declaration
or an affidavit from the borrower
·
CERSAI
registration
·
Peer
monitoring
·
Information
sharing among lenders
·
Information
search (writing to other lenders with an auto deadline)
Appendix
List
of Circulars
SR
|
Circular
No.
|
Date
|
Subject
|
1
|
FIDD.CO.LBS.No.5673/02.01.001/2015-16
|
20.05.2016
|
Lead Bank Scheme-
strengthening of Monitoring Information System (MIS)
|
2
|
FIDD.CO.LBS.BC.No.17/02.01.001/2015-16
|
14.01.2016
|
Direct Benefit Transfer (DBT)
Scheme – Seeding of Aadhaar in Bank Accounts- Clarification
|
3
|
FIDD.CO.LBS.BC.No.82/02.01.001/2015-16
|
31.12.2015
|
Roadmap for opening brick and
mortar branches in villages with population more than 5000 without a bank
branch of a scheduled commercial bank
|
4
|
RPCD.CO.LBS.BC.No.93/02.01.001/2013-14
|
14.03.2014
|
Annual Credit Plans –
Potential Linked Plan (PLPs) prepared by NABARD
|
5
|
RPCD.CO.LBS.BC.No.11/02.01.001/2013-14
|
09.07.2013
|
Direct Benefit Transfer (DBT)
Scheme – Implementation - Guidelines
|
6
|
RPCD.CO.LBS.BC.No.12/02.01.001/2012-13
|
11.05.2013
|
Lead Bank Scheme – Assignment
of lead bank responsibility in Metro districts
|
7
|
RPCD.CO.LBS.BC.No.75/02.01.001/2012-13
|
10.05.2013
|
Direct Benefit Transfer (DBT)
Scheme – Implementation
|
8
|
RPCD.CO.LBS.BC.No.68/02.01.001/2012-13
|
19.03.2013
|
Lead Bank Scheme –
Strengthening of Monitoring Information System
|
9
|
RPCD.CO.LBS.BC.No.86/02.01.001/2011-12
|
19.06.2012
|
Roadmap-Provision of banking
services in villages with population below 2000
|
10
|
RPCD.CO.LBS.B.C.No.68/02.01.001/2011-12
|
29.03.2012
|
SLBC Website - Standardization
of information / data
|
11
|
RPCD.CO.LBS.B.C.No.67/02.01.001/2011-2012
|
20.03.2012
|
Lead Bank Scheme - District
Consultative Committee (DCC) - Inclusion of Director of MSME-DI
|
12
|
RPCD.CO.LBS.BC.No.60/02.08.001/2011-12
|
17.02.2012
|
Lead Bank Scheme -
Participation of public representatives like MP/MLA/ ZP Chiefs in
District Level Review Committee (DLRC) meetings
|
13
|
RPCD.CO.LBS.BC.No.74/02.19.010/2010-11
|
30.05.2011
|
Resolution of issues regarding
allocation of villages under Electronic Benefit Transfer (EBT) scheme and
roadmap for providing banking services in villages with population above
2000 under Financial Inclusion Plan (FIP)
|
14
|
RPCD.CO.LBS.BC.No.44/02.19.10/2010-11
|
29.12.2010
|
Lead Bank Scheme – Conduct of
State Level Bankers' Committee (SLBC)/Union Territory Level Bankers'
Committee (UTLBC) meetings
|
15
|
RPCD.CO.LBS.HLC.BC.No.21/02.19.10/2010-11
|
16.09.2010
|
High Level Committee to Review
Lead Bank scheme- Providing banking services in every village having population
of over 2000
|
16
|
RPCD.CO.LBS.BC.No.15/02.19.10/2010-11
|
26.07.2010
|
Lead Bank Scheme -
Revitalising SLBC Meetings
|
17
|
RPCD.CO.LBS.BC.57/02.19.10/2009-2010
|
02.03.2010
|
Report of the High Level
Committee to Review Lead Bank Scheme - Implementation of the
Recommendations - Lead banks and SCBs
|
18
|
RPCD.CO.LBS.BC.57/02.19.10/2009-2010
|
26.02.2010
|
Report of the High Level
Committee to Review Lead Bank Scheme - Implementation of the
Recommendations - SLBC Convenor banks
|
19
|
RPCD.CO.LBS.HLC.BC.No.43/02.19.10/2009-10
|
27.11.2009
|
High Level Committee to review
LBS- Providing banking services in every village having population of
over 2000 by March 2011
|
20
|
RPCD.LBS.CO.BC.No.111/02.13.03/2008-2009
|
02.06.2009
|
Sub-Committee of SLBC for
Export Promotion
|
21
|
RPCD.LBS.CO.BC.No.79/02.01.01/2008-2009
|
30.12.2008
|
Inclusion of issues pertaining
to MSME Sector in SLBC meeting
|
22
|
RPCD.LBS.CO.BC.No.33/02.18.02/2006-07
|
15.11.2006
|
Lead Bank Scheme - Inclusion
of National Horticulture Board as a permanent member of SLBC of the
respective State
|
23
|
RPCD.LBS.BC.No.20/02.01.01/2006-07
|
30.08.2006
|
Financial Inclusion by
extension of banking services with 'No Frills' accounts and issue of GCC
|
24
|
RPCD.CO.LBS.BC.No.52/02.02.001/2005-06
|
06.12.2005
|
Financing of projects under
Agri clinics & Agri Business Centres Scheme – Review at meetings
|
25
|
RPCD.No.LBS.BC.50/02.01.01/2005-06
|
06.12.2005
|
Participation in various fora
under Lead Bank Scheme
|
26
|
RPCD.CO.LBS.BC.No.47/02.01.001/2005-06
|
09.11.2005
|
Credit Deposit Ratio -
Implementation of recommendations of expert group on CD Ratio
|
27
|
RPCD.CO.LBS.BC.No.11/02.01.001/2005-06
|
06.07.2005
|
Participation of MPs/Public
Representatives in DLRC meetings - Functions relating to Self Help Groups
(SHGs) Credit Linkage Programme
|
28
|
RPCD.CO.LBS.BC.No.93/02.01.001/2004-05
|
11.04.2005
|
Rural lending - ACPs based on
the Potential Linked Plans (PLPs) prepared by NABARD
|
29
|
RPCD.CO.LBS.BC.No.76/02.01.001/2004-05
|
28.01.2005
|
Participation of private
sector banks under various fora under Lead Bank Scheme
|
30
|
RPCD.CO.LBS.BC.No.62/02.01.001/2004-05
|
08.12.2004
|
Rural lending - Service Area
Approach - Review - Relaxation in SAA
|
31
|
RPCD.CO.LBS.BC.No.5/02.01.001/2004-05
|
16.07.2004
|
Lead Bank Scheme -
Participation of Members of Parliament and Public Representatives in
District Level Review Committee (DLRC) meetings
|
32
|
RPCD.CO.LBS.BC.No.56/02.01.001/2003-04
|
20.12.2003
|
Credit Flow to Boost Economic
Growth
|
33
|
RPCD.CO.LBS.BC.No.14/02.01.001/2003-04
|
29.07.2003
|
Convening DLRC meetings - Late
submission of reports by lead banks
|
34
|
RPCD.CO.LBS.BC.No.59/02.01.001/2002-03
|
06.01.2003
|
Lead Bank Scheme -
Participation of Members of Parliament and Public Representatives in
District Level Review Committee (DLRC) meetings
|
35
|
RPCD.CO.LBS.BC.No.106/02.01.001/2001-02
|
14.06.2002
|
Lead Bank Scheme -
Participation of Members of Parliament and Public Representatives in
District Level Review Committee (DLRC) meetings
|
36
|
RPCD.CO.LBS.BC.No.85/02.01.001/2000-01
|
09.05.2001
|
Lead Bank Scheme -
Participation of Members of Parliament and Public Representatives in
District Level Review Committee (DLRC) meetings
|
37
|
RPCD.CO.LBS.BC.No.81/02.01.001/2000-01
|
27.04.2001
|
Lead Bank Scheme - Convening
of District Level Review Committee (DLRC) meetings on quarterly basis-
Monitoring of
|
38
|
RPCD.LBS.BC.32/02.01.01/2000-01
|
03.11.2000
|
Lead Bank Scheme - Holding of
District Level Review Committee Meeting
|
39
|
RPCD.No.LBS.BC.86/02.01.01/1996-97
|
16.12.1996
|
Inclusion of National
Commission for Scheduled Castes/Tribes in State Level Bankers Committees
(SLBCs)
|
40
|
RPCD.No.LBS.BC.13/02.01.01/1996-97
|
19.07.1996
|
Inclusion of Representatives
of Khadi and Village Industries Commission/Boards in SLBC/DCC
|
41
|
RPCD.No.LBS.BC.118/02.01.01/94-95
February 18, 1995
|
18.02.1995
|
Credit Deposit Ratio of Banks
in Rural and Semi-urban Areas
|
42
|
RPCD.No.LBS.BC.112/LBC.34/88-89
|
28.04.1989
|
State Level Bankers' Committee
- Meetings -
|
43
|
RPCD.No.LBS.BC.12/65/88-89
|
11.08.1988
|
Service Area Approach -
Constitution of Block Level Bankers' Committees
|
44
|
RPCD.No.LBS.BC.100/55-87/88
|
22.04.1988
|
Lead Bank Scheme - District
Credit Plan - Annual Action Plan
|
45
|
RPCD.No.LBS.BC.87/65-87/88
|
14.03.1988
|
Rural Lending - Service Area
of Bank Branches
|
46
|
RPCD.No.LBS.BC.69/LBS.34-87/88
|
14.12.1987
|
Review of the Annual Action
Plans by State Level Bankers Committees (SLBCs)
|
47
|
RPCD.No.LBS.524/55-86/87
|
28.04.1987
|
Lead Bank Scheme - Preparation
of District Credit Plans/Annual Action Plans
|
48
|
RPCD.No.LBS.430/55/86-87
|
03.03.1987
|
Lead Bank Scheme - District
Credit Plans - Guidelines for Fourth Round
|
49
|
RPCD.No.LBC.363/1-84
|
02.11.1984
|
Integration of Annual Action
Plans (AAPs) with the Performance Budgets of Bank Branches
|
50
|
RPCD.No.LBC.162/1-84
|
06.09.1984
|
Integration of Annual Action
Plans (AAPs) with the Performance Budgets of Bank Branches
|
51
|
RPCD.No.LBC.135/55-84
|
30.08.1984
|
Lead Bank Scheme - Annual
Action Plan for 1985 - Guidelines for Formulation of
|
52
|
RPCD.No.LBC.96/1-84
|
18.01.1984
|
Lead Bank Scheme - Appointment
of Lead Bank Officer - District Co-ordinators
|
53
|
RPCD.No.LBC.739/1-83
|
04.08.1983
|
Recommendations of the Working
Group to Review the Working of the Lead Bank Scheme
|
54
|
RPCD.No.3096/C.517-82/83
|
13.04.1983
|
Convenorship of the State
Level Bankers' Committees
|
55
|
DBOD.No.BP.B.BC.74/C/462(E.9)-80
|
18.06.1980
|
Credit Deposit Ratio of banks
in Rural and Semi-Urban Areas
|
56
|
DBOD.NO.TEP.20/C.517-77
|
02.02.1977
|
State Level Bankers’ Committee
|
57
|
DBOD.No.BD.2955/C.168-70
|
11.08.1970
|
Lead Bank Scheme
|
58
|
DBOD.No.BD4327/C.168-169
|
23.12.1969
|
Branch Expansion Programme-
Allocation of Districts under the Lead Bank Scheme
|
|