Draft - Lead Bank Scheme

FIDD.CO.LBS.BC.No.__/ 02.01.001/2026-27 ____ , 2026 The Chairman/Managing Director / Chief Executive Officer All Commercial Banks excluding Foreign Banks (other than Wholly Owned Subsidiaries of Foreign Banks) All State Co-operative Banks All District Central Co-operative Banks Madam / Dear Sir, Lead Bank Scheme Please refer to our Master Circular on Lead Bank Scheme (LBS) FIDD.CO.LBS.BC.No.03/ 02.01.001/ 2025-26 dated April 01, 2025, consolidating the relevant guidelines / instructions issued by Reserve Bank of India on LBS from time to time. 2. Upon a comprehensive review of LBS, this circular containing revised guidelines is being issued, which supersedes all earlier instructions issued by the Reserve Bank on the subject. Yours faithfully, (Nisha Nambiar) Chief General Manager-in-Charge Encl.: As aboveStructure 1 Background 2 Objective of Lead Bank Scheme 3 Framework of the Scheme 3.1 Lead Bank 3.2 SLBC Convenor Bank 3.3 Lead District Manager (LDM) 3.4 District Development Manager (DDM) 3.5 Lead District Officer (LDO) 3.6 SLBC Convenor 4 For a under the Lead Bank Scheme 5 Block Level Bankers’ Committee (BLBC) 5.1 Purpose 5.2 Composition of BLBC 5.3 Conduct of BLBC meetings 6 District Consultative Committee (DCC) 6.1 Purpose 6.2 Composition of DCC 6.3 Conduct of DCC Meetings 7 District Level Review Committee (DLRC) 7.1 Purpose 7.2 Composition of DLRC 7.3 Conduct of DLRC Meetings 7.4 Role of Lead District Managers (LDMs) 7.5 Infrastructure and resources for LDMs 8 Role of LDMs and Infrastructure Support 8.1 Role of LDMs 8.2 Infrastructure and resources for LDMs 9 State Level Bankers’ Committee (SLBC) 9.1 Purpose 9.2 Composition of SLBC 9.3 Conduct of SLBC Meetings 9.4 Sub-Committees of SLBC 9.4.1 Steering Sub-Committee 9.4.2 Other Sub-Committees 9.4.3 Composition of Sub-Committees 9.4.4 Conduct of Sub-Committee meetings 9.5 Liaison with State Government 9.6 SLBC Office - Infrastructure and Resources 10 Credit Planning 10.1 Preparation of credit plans 10.2 Reviewing the Performance against Credit Plans 111 Credit Deposit Ratio (CD Ratio) 11.1 Monitoring CD Ratio 11.2 Bank level monitoring 11.3 District and State level monitoring 12 Other guidelines on lending 13 Banking Penetration 14 Expanding and Deepening of Digital Payments Ecosystem (EDDPE) 15 Capacity building and Sensitisation Programmes 16 SLBC Website- Standardisation of Information 2Background The Lead Bank Scheme (LBS) was introduced by the Reserve Bank of India (RBI) in December 1969 to provide a structured mechanism for facilitating co-ordination among various stakeholders towards enabling flow of bank finance to the priority sector and other sectors and for promoting banks' role in the overall development of the rural sector. 2. Objective of Lead Bank Scheme LBS aims at coordinating the activities of banks, government and other developmental agencies through fora established under the Scheme to achieve the following: a) enhancing flow of credit to priority sectors for achieving inclusive growth. b) deepening financial inclusion through improved access and usage of financial services. 3. Framework of the Scheme 3.1 Lead Bank: i. RBI shall designate a commercial bank as Lead Bank in each district, to coordinate the efforts of the credit institutions, Government, and other stakeholders to improve credit flow to the priority sectors and promote financial inclusion in the district. ii. List of district-wise Lead Banks is given in Annex-1. 3.2 Lead District Manager (LDM): Every Lead Bank shall appoint a Lead District Manager (LDM) in each district where it has lead bank responsibility, to oversee and coordinate the implementation of LBS in the district. 3.3 District Development Manager (DDM): National Bank for Agriculture and Rural Development (NABARD) shall appoint a District Development Manager (DDM) in each district to act as a liaison between NABARD and the district-level banking and financial institutions in promoting rural credit, implementing financial inclusion initiatives, and supporting agricultural and rural development activities in the district. 33.4 Lead District Officer (LDO): RBI shall designate one of its officers as Lead District Officer (LDO) for each district. The LDO shall represent the Bank at the district level under the LBS. 3.5 SLBC Convenor Bank: i. RBI shall designate one commercial bank with significant presence in the State / Union Territory (UT) as the State Level Bankers’ Committee (SLBC) Convenor Bank / UT Level Bankers’ Committee (UTLBC) Convenor Bank. ii. List of State and UT-wise SLBC / UTLBC Convenor Banks is given in Annex-1. 3.6 SLBC Convenor: SLBC Convenor bank in each State / UT shall designate a General Manager of the bank as the SLBC Convenor. In case no General Manager level official is available, the Zonal Head of the Convenor bank (not below rank of DGM) may be designated as Convenor. However, in the case of North-Eastern states, the senior most officer of the convenor bank in the state (not below rank of AGM) shall be designated as the SLBC convenor. 4. Fora under the Lead Bank Scheme The scheme shall function through a three-tier structure in each State / UT, with Block Level Banker’s Committee (BLBC) at the base level, District Consultative Committee (DCC) and District Level Review Committee (DLRC) at the intermediate level, and SLBC / UTLBC at the apex level. Each of these fora shall broadly comprise of banks, government agencies and other stakeholders. 5 Block Level Bankers’ Committee (BLBC) 5.1 Purpose BLBC shall be constituted in each block of a district for achieving coordination among credit institutions and field level development agencies. BLBC shall prepare and 4review the implementation of the Block Credit Plan and resolve operational issues in the implementation of credit programmes at the block level. 5.2 Composition of BLBC i. The Lead District Manager (LDM) of the district shall chair the BLBC. The membership of the BLBC shall comprise of (a) branch managers of all banks operating in the block including Small Finance Banks (SFBs), Payments Banks (PBs), Wholly Owned Subsidiaries (WOS) of Foreign Banks, Regional Rural Banks (RRBs) and District Central Co-operative Banks (DCCBs); (b) Block Development Officer (BDO), (c) DDM of the district, and, (d) technical officers in the block, such as, extension officers for agriculture, industries and co-operatives. ii. Representatives of Panchayat Samitis shall be invited to attend the meetings at half yearly intervals to provide inputs for the credit planning exercise. iii. The LDO and Controlling Heads of banks may attend BLBC meetings selectively. 5.3 Conduct of BLBC meetings i. BLBC meetings shall be held at least twice per year, one for the half year ended September for arriving at the potential for preparation of Block Credit Plan and the other for the half year ended March where the performance may be reviewed. ii. The illustrative agenda for BLBC meetings is provided in Annex-2. iii. BLBC meetings shall be conducted within 45 days of the end of the review period and minutes of the meeting should be circulated within 15 days of holding the meeting. iv. LDM shall establish a robust monitoring system to ensure that discussions during meetings result in actionable outcomes, decisions taken in the meeting have definite time frame for implementation and the progress of such action items is tracked. v. The conduct of BLBC meetings will be monitored by the DCC. BLBC may refer the issues that remain unresolved at the block level to the DCC for discussion on a wider platform. 56 District Consultative Committee (DCC) 6.1 Purpose DCC shall be a forum for co-ordination at the district level to facilitate developmental activities under LBS. DCC shall prepare and review the implementation of the District Credit Plan (DCP) and resolve operational issues in its implementation. 6.2 Composition of DCC i. The District Collector (DC) / District Magistrate (DM) shall be the Chairperson of the DCC. ii. Apart from the Lead Bank, membership of the DCC shall comprise of all commercial banks including SFBs, WOS of Foreign Banks, RRBs, PBs, State / District Central Co- operative Banks operating in the district, LDO, DDM, and representatives of various State Government departments and allied agencies. iii. Every bank in the district shall nominate a District Co-Ordinator (DCO), i.e., a nodal officer at senior level for participating in the DCC meetings. iv. The Director of Micro, Small and Medium Enterprises Development Institute (MSME-DI) in the district shall be an invitee in districts where MSME clusters are located. 6.3 Conduct of DCC Meetings i. DCC meetings shall be convened by the LDM at quarterly intervals. ii. The agenda for discussion in DCC meetings is provided in Annex-3. iii. An annual calendar for DCC meetings may be prepared in accordance with the timeline given below: Activity Tentative timelines Preparation of Annual Calendar of DCC 15th January every year meetings Reminder regarding the exact date of meeting 15 days before end of the quarter and submission of data by banks to Lead Bank 6Activity Tentative timelines 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 Within 10 days from holding the stakeholders meeting iv. LDM shall establish a robust monitoring system to ensure that discussions during meetings result in actionable outcomes, decisions taken in the meeting have definite time frame for implementation and the progress of such action items is tracked. v. 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. vi. DCC should give feedback to the SLBC on issues that need to be discussed on a wider platform, so that they receive adequate attention at the state level. 7 District Level Review Committee (DLRC) 7.1 Purpose The DLRC shall be a forum to devise workable solutions for enhancing flow of credit to deserving sectors, besides serving as a platform for Public Representatives to share their feedback. While the DCC shall serve as a coordination and implementation forum, the DLRC will be expected to serve as a review forum. 7.2 Composition of DLRC i. DLRC meetings shall be chaired by the DC / DM and attended by members of the DCC. Public Representatives, i.e., Local MPs / MLAs / Zilla Panchayat / Parishad Chiefs shall be invited to these meetings. ii. The forum shall have representatives of State Minority Commission, Scheduled Castes / Scheduled Tribes (SC / ST) Corporation, and representatives of the group of beneficiaries of rural lending. The forum may also consider inviting people with expertise in select fields, such as progressive farmers and local industrialists, as special invitees. 77.3 Conduct of DLRC Meetings i. LDM shall be responsible for convening the DLRC meetings on quarterly basis, after ascertaining the convenience of the public representatives. Agenda papers should be circulated to public representatives well in advance. ii. The agenda for discussion at DLRC meetings is provided in Annex-4. iii. DLRC meetings should not be clubbed with DCC meetings. DLRC for June quarter may, as far as possible, be held prior to the pre-PLP meeting, so as to gain insights on credit needs of the districts from public representatives. iv. Responses to queries from public representatives need to be accorded highest priority and attended to promptly. v. The follow up of the DLRC’s decisions is required to be discussed in the DCC meetings. 8. Role of LDMs and Infrastructure Support 8.1 Role of LDMs In addition to convening meetings of the DCC and DLRC, other functions envisaged for LDMs include the following: i. Monitor the implementation of the District Credit Plan (DCP) ii. Arrange periodical meetings of DDM / LDO / Government officials for resolving outstanding issues. iii. Associate with the setting up of Financial Literacy Centres (FLCs), Rural Self Employment Training Institutes (RSETIs) by banks iv. Associate with organizing financial literacy camps by FLCs, rural branches of banks and Centres for Financial Literacy (CFL) v. Hold annual sensitisation workshops for banks and Government officials with participation by NGOs / Panchayati Raj Institutions (PRIs) 8vi. Arrange public meetings for awareness, feedback, and grievance redressal at various locations in the district, at quarterly intervals. 8.2 Infrastructure and resources for LDMs i. As the role of the LDM is crucial to the effectiveness of the LBS, officers of appropriate level (preferably mid-management cadre), possessing requisite aptitude and leadership skills should be posted as LDMs. Lead Banks shall preferably assign only one district to one LDM to ensure adequate focus to credit and financial inclusion related aspects. Assigning more than one district to an LDM shall be considered only in exceptional cases and for valid reasons. ii. Lead Banks should equip LDM offices with dedicated staff including appropriate technical staff, as well as infrastructure and resources (such as office space and equipment, IT infrastructure, vehicle, etc.) to enable LDMs to discharge their responsibilities effectively and review adequacy of the same periodically. 9 State Level Bankers’ Committee (SLBC) 9.1 Purpose The SLBC shall be the apex inter-institutional forum to facilitate coordination in the efforts of the State Government, banks, financial institutions and other relevant stakeholders, for the development of the State. In Union Territories, the apex forum shall be called UTLBC. 9.2 Composition of SLBC i. Membership of the SLBC forum shall comprise of heads of relevant departments of the State Government, Regional Director of RBI, state heads of commercial banks having major presence in the State, state head of NABARD, SLBC Convenor and heads of the RRB and state co-operative bank. ii. State heads of SFBs, WOS of Foreign Banks, and PBs shall be invited on rotation basis. However, there shall be full-house presence when Annual Credit Plan (ACP) is launched. 9iii. The Chief Minister / Minister of Finance / Industries / Agriculture shall be invited to address the SLBC meetings. Further, the state Chief Minister shall be requested to attend at least one SLBC meeting in a year. If they are not able to attend for any reason, the meeting should preferably be held as planned. iv. Senior functionaries from National Commission for SC / ST, National Horticulture Board, Khadi and Village Industries Commission (KVIC), industry bodies, retail traders, exporters, farmers’ unions, etc. shall be invited on rotation basis. v. Insurance Regulatory and Development Authority of India (IRDAI) and Pension Fund Regulatory and Development Authority (PFRDA) may be invited whenever there is a need for policy level intervention. If they are not represented in the forum, policy related issues, if any, emanating from the discussions, shall be forwarded to them. vi. The state head of Small Industries Development Bank of India (SIDBI) may be invited to SLBC meetings, whenever considered necessary. vii. SLBC may invite DCs / DMs to its meetings, whenever considered necessary. viii. SLBC may occasionally invite to its meetings, academicians / researchers engaged in studies related to sustainable development of agriculture and MSME sector, as 'special invitees’, for adding value to the discussions and to associate them with studies appropriate to the State. Success stories, such as those involving channelling credit to low- income households, may be presented in SLBC meetings. ix. SLBC may, at its discretion, invite to its meetings, any other person / organisation of relevance depending on the agenda items / issues to be discussed. 9.3 Conduct of SLBC Meetings i. SLBC Convenor shall convene SLBC meetings on quarterly basis. ii. The agenda of SLBC meetings shall be as per Annex 5. 10iii. Meetings of the SLBC shall be co-chaired by Chairman / Managing Director / Executive Director of the Convenor Bank and Chief Secretary / Additional Chief Secretary / Principal Secretary of Finance (Head of Finance Department in State Government) / Development Commissioner of the State. iv. If Managing Director / Chief Executive Officer / Executive Director of the SLBC Convenor Bank is unable to attend SLBC Meetings, Regional Director / state head of the RBI shall co-chair the meetings. v. SLBC shall primarily focus on policy and strategic issues relating to flow of priority sector credit and overall financial inclusion in the state. Gaps in performance of financial institutions shall also be monitored at the apex forum. vi. SLBC Convenor Banks shall prepare a yearly calendar of meetings (calendar year basis) at the beginning of the year itself and circulate it to all members as an advance intimation of dates. The meetings should be conducted as per the calendar, to the extent possible, and the data for review should be received as per deadlines indicated. Broad guidelines for preparation of the calendar of SLBC / UTLBC meetings are as follows: Activity To be completed by (Date) Preparation of calendar of SLBC / UTLBC 15th January every year meetings and intimation to all concerned Reminder regarding the exact date of meeting and 15 days before end of the quarter submission of data by banks to SLBC Deadline for receipt of information / data by SLBC 15 days from the end of the quarter Convenor Bank 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 Within 10 days from holding the stakeholders meeting Follow-up of the action points of the meeting Within 30 days of forwarding the minutes vii. The agenda should be circulated in advance once the meeting date is firmed up. If some banks do not update their data in time or the concerned heads do not attend the meeting, the SLBC Convenor Bank should write to the controlling office of the defaulting banks under advice to the Regional Office of RBI, and this may be discussed in the meetings of SLBC to bring in better discipline. 11viii. SLBC Convenor shall establish a robust monitoring system to ensure that discussions during meetings result in actionable outcomes, decisions taken in the meeting have definite time frame for implementation and the progress of such action items are tracked. 9.4 Sub-Committees of SLBC 9.4.1 Steering Sub-Committee A Steering Sub-Committee shall be constituted in the SLBC to deliberate on agenda proposals from different stakeholders and finalise a compact agenda for the SLBC meetings. 9.4.2 Other Sub-Committees i. Other issue-specific Sub-Committees shall be constituted, as follows: a. Sub-Committee on Agriculture & Allied Activities (SC-AA) b. Sub-Committee on Micro Small and Medium Enterprises and Other Priority Sectors (SC-MSME & OPS) c. Sub-Committee on Financial Inclusion and Financial Literacy (SC-FIFL) d. Sub-Committee on Digital Payments (SC-DP) ii. Other sub-committees, over and above the five mentioned above, may be constituted as required, depending on the specific issues to be addressed by the respective States. 9.4.3 Composition of Sub-Committees i. Steering Sub-Committee The Steering Sub-Committee shall consist of the SLBC Convenor, senior State Government representatives from major departments covering priority sectors, e.g., Finance / Institutional Finance, Agriculture, Industries, senior representatives from RBI, NABARD, and two to three banks having major presence. 12ii. Sub-Committee on Agriculture and Allied Activities (SC-AA) a. This forum shall be chaired by a SLBC / UTLBC core member bank (with highest share in agriculture lending) / Agriculture Commissioner / senior representative of Agriculture Department of the State. b. Other members shall include representatives of Finance Department and other departments concerned of the State Government, RBI and NABARD as well as Zonal heads / deputy heads of the convenor bank and major banks. c. Zonal heads / deputy heads of other banks shall be invited to participate in the meeting/s on rotation basis. iii. Sub-Committee on MSME and Other Priority Sector (SC- MSME & OPS) a. This forum shall be chaired by a SLBC / UTLBC core member / Commissioner, Department of Industries / Dept. of MSME / Head of Finance or other relevant Department of the concerned State Government. b. Other members shall include officers from RBI, NABARD, SIDBI, Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE), Finance Department of the State Government, Zonal heads / deputy heads of the SLBC convenor bank and major banks. c. Zonal heads / deputy heads of other banks shall be invited to participate in the meeting/s on rotation basis. d. Representatives of Department of Financial Services (DFS), Directorate General of Foreign Trade (DGFT), state head of National Rural Livelihoods Mission (NRLM), representatives from KVIC / Khadi and Village Industries Board (KVIB), Export-Import Bank of India (EXIM Bank), District Industries Centre (DIC), Ministry of Food Processing Industries (MOFPI), Coir Board, National Credit Guarantee Trustee Company Limited (NCGTC), NABSanrakshan (subsidiary of NABARD) and leading Microfinance Institutions (MFIs) may be invited on need basis. iv. Sub-Committee on Financial Inclusion and Financial Literacy (SC-FIFL) a. This forum shall be chaired by SLBC Convenor / UTLBC Convenor / Development Commissioner / Head of Department of Institutional Finance of the State concerned. 13b. Other members shall include officers from RBI, NABARD, Finance Department and other departments concerned of the State Government, and Zonal heads / deputy heads of the convenor bank and major banks. c. Zonal heads / deputy heads of other banks shall be invited to participate in the meeting/s on rotation basis. d. The State Director - RSETI and Non-governmental Organisations (NGOs) sponsoring CFLs (Centres for Financial Literacy) may be invited on need basis. v. Sub-Committee on Digital Payments (SC-DP) a. This forum shall be chaired by SLBC Convenor or Zonal head of a major bank in the State. b. Other members shall include officers from RBI, NABARD, Finance Department and other departments concerned of the State Government, state – level Law Enforcement Entity, and Zonal heads / deputy heads of the convenor bank and major banks. c. Zonal heads / deputy heads of other banks shall be invited to participate in the meeting/s on rotation basis. d. Representatives from the telecom sector may be invited to address the specific issues related to connectivity / bandwidth as per state / UT specific needs. 9.4.4 Conduct of Sub-Committee meetings i. Meetings of Sub-Committees shall be convened by the SLBC Convenor at quarterly intervals, prior to the SLBC / UTLBC meetings. ii. The agenda of each of the Sub-Committees’ meetings is given in Annex 6. In addition to the stipulated agenda, the Sub-Committees may deliberate on specific issues referred by the SLBC and submit their recommendation to the apex forum for a final decision. iii. The minutes and Action Taken Report (ATR) of the Sub-Committees’ meetings shall be placed before the SLBC / UTLBC, for being taken on record. 149.5 Liaison with State Government SLBC Convenor Banks shall co-ordinate the activities of all banks in the State, and regularly discuss with State Government officials the operational problems in lending, while extending necessary support for banking development and to achieve the objective of greater financial inclusion. SLBC Convenor Banks should take up with the State Governments / other Government departments concerned, impediments, if any, such as issues of road / digital connectivity, conducive law and order situation, uninterrupted power supply, adequate security, etc., to ensure adequate banking coverage and achieve greater financial inclusion. 9.6 SLBC Office - Infrastructure and Resources The secretariat / office of the SLBC should be sufficiently equipped to enable the SLBC Convenor to function effectively. The Convenor Bank shall provide adequate staff and resources exclusively for attending to SLBC related work. 10. Credit Planning 10.1 Preparation of credit plans i. Under LBS, a bottom-up approach is envisaged for credit planning. Block wise / activity wise potential shall be estimated for various sectors, so as to prepare credit plans accordingly. ii. DDM shall draw up the Potential Linked Credit Plan (PLP) of a district, mapping the existing potential for development through bank credit considering the long-term physical potential, availability of infrastructure support, marketing facilities and policies / programmes of Government, etc. NABARD shall ensure that PLPs are pragmatic and implementable so that banks can utilize them gainfully while preparing the Branch Credit Plan (BCP). PLPs should emphasise promotion of sustainable agricultural practices, innovative farming systems, Farmer Producer Organisations (FPOs) and Farmers’ Markets. iii. A pre-PLP meeting shall be convened by the LDM in June every year, to be attended by banks, Government agencies, and other stakeholders to deliberate on credit potential (sector / activity-wise), major financial and socio-economic 15developments in the district in the last one year, and priorities to be set out for inclusion in the PLP. The DDM should outline the information needed from stakeholders for preparing the PLP for the following year. PLP preparation for the next year is to be completed by August every year. iv. Controlling Offices of banks including SFBs, WOS of Foreign Banks and Head Office of RRBs and DCCBs / LDBs shall circulate the accepted block-wise / activity- wise potential to all their branches for preparing the BCP by their respective branch managers. Banks shall ensure that the exercise of preparation of branch / block plans is completed in time by all branches. v. A BLBC meeting shall be convened for each block where the BCPs are discussed and aggregated to form the Block Credit Plan. The LDM and DDM should guide the BLBC in finalizing the plan, ensuring that the Block Credit Plan is in tune with the potential identified activity-wise, including in respect of Government Sponsored Schemes. vi. All the Block Credit Plans of the district shall be aggregated by the LDM to form the District Credit Plan (DCP), covering an analytical assessment of the credit needs of the district, to be deployed by all financial institutions operating in the district in the next financial year. While finalizing credit plans for the block / district level, LDMs shall factor in the record of achievement of these credit plans for previous years, in addition to the PLP. In case complete data of previous year’s achievement of the plan is not available, data pertaining to the corresponding period of the past years may be considered. The objective should be to ensure that the credit plans are aspirational as well as realistic. vii. The Zonal / Controlling Offices of banks, while finalizing their business plans for the year, should account for the estimates made in the DCP as they are typically compiled well in time before the performance budgets of banks are finalized. viii. The DCP shall then be placed before the DCC by the LDM for final acceptance / approval. All the DCPs should be eventually aggregated into a State Level Annual Credit Plan (ACP) to be prepared by the SLBC Convenor Bank and launched by the 1st of April every year. ix. The Controlling Offices of banks in each state should synchronize their internal business plans with the ACP. 1610.2 Reviewing the Performance against Credit Plans i. Performance in respect of the credit plans shall be reviewed in the LBS fora as 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) ii. All member banks are required to furnish data on (a) ACP targets (b) ACP achievements / disbursements and (c) ACP sector / sub-sector wise loan amount outstanding, in an all-inclusive single format, LBS- MIS (Annex 7). The procedure of data reporting is given in Annex 8A. A Standard Operating Procedure (SOP) to be followed by SLBC / UTLBC Convenor Banks, member banks and LDMs for management of data flow is given in Annex 8B. iii. Based on the data reported, bank group wise statements should be prepared on quarterly basis and placed in all DCC and SLBC meetings for review. iv. Discussions in SLBC, DCC and BLBC should focus on the performance of banks in disbursement of loans vis-a-vis the targets allocated under the ACP. 11 Credit Deposit Ratio (CD Ratio) 11.1 Monitoring CD Ratio i. As the CD Ratio is an important parameter of credit disbursed in relation to deposits mobilised in the area, it should be monitored at different levels, based on 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 # In case credit proposals are received at district level but processed and sanctioned at the bank’s head office / controlling offices / central processing units, and the loan is 17utilised / disbursed in districts through their branches, these are treated as loans sanctioned and utilised at district level. Hence, they may be reckoned at district level for computing the CD ratio. ii. CD ratio is to be calculated on the basis of credit amount outstanding. 11.2 Bank level monitoring Banks are required to achieve a CD Ratio of 60 percent in respect of their rural and semi-urban branches, taken together on an All-India basis. While it is not necessary that this ratio should be achieved separately, branch-wise, district-wise or region-wise, banks should, nevertheless, ensure that wide disparity in the ratios between different states / regions is avoided to minimise regional imbalance in credit deployment. Credit dispensation in certain districts is very low due to factors, such as lack of necessary infrastructure, varying ability of different regions to absorb credit, etc. Banks may review the performance of their branches in such areas and take necessary steps to augment credit flow. The factors affecting credit flow in the district may be discussed thoroughly in the DCC forum. 11.3 District and State level monitoring i. Districts having CD Ratio between 40 and 60 percent shall be monitored by the DCC for improving the performance. ii. In districts having CD Ratio less than 40 percent as well as ACP achievement less than 100% for the preceding financial year, Special Sub-Committees (SSCs) of the DCC, with LDM as Convenor shall be set up to monitor the CD Ratio. iii. The SSC shall comprise of the DCOs of banks functioning in the area, LDO, DDM, District Planning Officer, or a representative of the DC / DM duly empowered to take decisions on behalf of the district administration. iv. The SSC shall draw up a Monitorable Action Plan (MAP) for improving the CD Ratio, with the approval of the DCC. The progress in the implementation of the MAP should be monitored in the DCC meetings. 18v. Districts with CD Ratio less than 20 percent shall be placed in a special category. For these districts, in addition to constitution of SSC and MAP, the State Government would be required to make targeted efforts to create necessary infrastructure and conditions conducive to lending by the banks, while banks shall be responsible for improving credit disbursement. vi. The progress in the special category districts shall be monitored by DCC and reported to corporate offices of banks present in the district, to enable Head Offices of banks to accord special attention to improving the CD ratio in such districts. vii. A consolidated status report from all SSCs of the State shall be tabled at SLBC meetings for discussion / information. 12. Other guidelines on lending The Service Area Approach (SAA) was introduced in April 1989 for planned and orderly development of rural and semi-urban areas by increasing productive lending and forging effective linkages between bank credit, productivity, and enhanced income levels. i. Under Service Area Approach SAA, each bank branch in a rural or semi-urban area is designated to serve an area of 15 to 25 villages and the branch is responsible for meeting the needs of bank credit of its service area. To ensure adequate coverage of rural and semi-urban areas under Government Sponsored Schemes, bank branches in these areas shall follow the SAA for lending under such schemes. While it is obligatory for bank branches to serve the eligible customers falling in their service area, they are free to lend under such schemes outside their service area also. ii. Banks shall dispense with the practice of obtaining a ‘No Due Certificate’ from individual borrowers (including SHGs and JLGs) for all types of loans, including loans under Government Sponsored Schemes, irrespective of the amount involved, unless the scheme itself provides for obtention of a ‘No Due Certificate’. iii. For ease of access to credit in rural and semi-urban areas, banks may use an alternative framework of due diligence which could, among others, consist of one or more of the following: 19a) Credit history check through Credit Information Companies (CICs) b) Self-declaration or an affidavit from the borrower c) CERSAI registration d) Peer monitoring e) Information sharing among lenders f) Information search (including writing to other lenders with an auto deadline) 13. Banking Penetration i. SLBC Convenor Banks are required to identify all unbanked rural centres (URCs) in the State1 and maintain an updated list of all such centres. The updated list should be displayed on the website of each SLBC to facilitate banks to choose / indicate the place / centre where they wish to open a ‘banking outlet’. ii. In order to comply with the criteria of opening at least 25 percent of total banking outlets in URCs in Tier 5 and 6 centres2, banks should give priority to villages without a banking outlet having population more than 5000 (i.e., Tier 5 centres) and ensure that all such villages under their jurisdiction are covered with a CBS-enabled Banking Outlet on priority basis. iii. As regards Tier-6 centres, SLBC / UTLBC Convenor banks shall monitor coverage of these URCs and advise lead banks to review the progress in the coverage of such centres in DCC meetings. Convenor banks should also advise member banks to update the information on RBI’s CISBI portal as and when banking outlets are opened in URCs. iv. The updated list of URCs should be tabled in all SLBC meetings during discussions on the progress in providing banking services in URCs. v. SLBCs / UTLBCs shall put in place an action plan to achieve the goals identified under the National Strategy for Financial Inclusion (NSFI): 2025-303 during the period of the strategy, with suitable mid-term goals, and monitor progress on an on-going basis. 1 ‘Reserve Bank of India (Commercial Banks - Branch Authorisation) Directions 2025’] 2 As above 3 National Strategy for Financial Inclusion (NSFI): 2025-30 released by RBI on December 01, 2025, available at https://www.rbi.org.in/Scripts/PublicationReportDetails.aspx?UrlPage=&ID=1307#F15 2014. Expanding and Deepening of Digital Payments Ecosystem (EDDPE) The objective of the programme is to enable every individual in the identified districts to make / receive payments digitally in a safe, secure, quick, affordable, and convenient manner. SLBCs / UTLBCs shall cover all districts of the state fully under the programme, decide the timeline by which this will be done and ensure that the milestones are achieved as planned through close monitoring of progress. 15. Capacity Building and Sensitization Programmes i. Regional Offices of RBI, in co-ordination with SLBC Convenor Bank, shall endeavour to sensitize the DCs / DMs and CEOs of Zilla Parishads on banking matters and on the specific scope and role of the LBS. Such exposure may also be provided to staff at the operational level of government departments associated with implementation of the LBS, such as BDOs, etc. through State Administrative Academies or similar institutions. ii. Bank officials should be exposed to similar training programmes by the respective Lead Banks. iii. Regional Offices of RBI shall conduct capacity building programmes for LDOs, LDMs and DDMs on an annual basis. 16. SLBC Website Standardisation of Information SLBC Convenor Banks are required to maintain the SLBC website where all instructions on LBS and Government Sponsored Schemes, profile of the State / UT, State-wise data / bank-wise performance, information on the conduct of meetings etc. are made available to the public. The indicative list of such information / data is given in Annex 9. SLBCs may put out any additional information considered relevant for the State. The SLBC website should be updated regularly, at least on quarterly basis. ____________ 21Annex 1 List of State/ UT-wise SLBC/ UTLBC Convenor Banks and district-wise Lead Banks as on February 13, 2026 Sr. State / Union SLBC/UTLBC District District Lead Bank No. Territory Convenor bank 1 Andhra Union Bank of India 1. Alluri Sitharama Union Bank of India Pradesh Raju 2. Anakapalli Union Bank of India 3. Ananthapuramu Canara Bank (earlier name – Anantapur) 4. Annamayya State Bank of India 5. Bapatla Union Bank of India 6. Chittoor Indian Bank 7. Dr. B R Union Bank of India Ambedkar Konaseema (earlier name – Konaseema) 8. East Godavari Union Bank of India 9. Eluru Union Bank of India 10. Guntur Union Bank of India 11. Kakinada Union Bank of India 12. Krishna Indian Bank 13. Kurnool Canara Bank 14. Nandyal Union Bank of India 15. NTR Union Bank of India 16. Palnadu Union Bank of India 17. Parvathipuram State Bank of India Manyam 18. Prakasam Canara Bank 19. Sri Potti Canara Bank Sriramulu Nellore (Earlier name – Nellore) 20. Sri Sathya Sai Canara Bank 21. Srikakulam Union Bank of India 22. Tirupati Union Bank of India 23. Visakhapatnam State Bank of India 24. Vizianagaram State Bank of India 25. West Godavari Union Bank of India 126. Y.S.R (Earlier Canara Bank Name – Kadapa) 2 Arunachal State Bank of India 1. Anjaw State Bank of India Pradesh 2. Bichom State Bank of India 3. Changlang State Bank of India 4. Dibang Valley State Bank of India 5. East Kameng State Bank of India 6. East Siang State Bank of India 7. Kamle State Bank of India 8. Keyi Panyor State Bank of India 9. Kra Daadi State Bank of India 10. Kurung Kumey State Bank of India 11. Leparada State Bank of India 12. Lohit State Bank of India 13. Longding State Bank of India 14. Lower Dibang State Bank of India Valley 15. Lower Siang State Bank of India 16. Lower Subansiri State Bank of India 17. Namsai State Bank of India 18. Pakke Kessang State Bank of India 19. Papum Pare State Bank of India 20. Shi-Yomi State Bank of India 21. Siang State Bank of India 22. Tawang State Bank of India 23. Tirap State Bank of India 24. Upper Siang State Bank of India 25. Upper Subansiri State Bank of India 26. West Kameng State Bank of India 27. West Siang State Bank of India 3 Assam State Bank of India 1. Baksa State Bank of India 2. Barpeta UCO Bank 3. Biswanath Indian Bank 4. Bongaigaon State Bank of India 5. Cachar Punjab National Bank 6. Charaideo Punjab National Bank 7. Chirang State Bank of India 8. Darrang UCO Bank 9. Dhemaji Punjab National Bank 10. Dhubri UCO Bank 11. Dibrugarh Punjab National Bank 12. Goalpara UCO Bank 13. Golaghat Punjab National Bank 214. Hailakandi Punjab National Bank 15. Hojai State Bank of India 16. Jorhat Punjab National Bank 17. Kamrup UCO Bank 18. Kamrup Metro UCO Bank 19. Karbi Anglong State Bank of India 20. Kokrajhar UCO Bank 21. Lakhimpur Punjab National Bank 22. Majuli Punjab National Bank 23. Morigaon Punjab National Bank 24. Nagaon Punjab National Bank 25. Nalbari UCO Bank 26. North Cachar State Bank of India Hills 27. Sivasagar Punjab National Bank 28. Sonitpur UCO Bank 29. South Salmara- UCO Bank Mankachar 30. Sribhumi (earlier Punjab National Bank name – Karimganj) 31. Tamulpur State Bank of India 32. Tinsukia Punjab National Bank 33. Udalguri State Bank of India 34. West Karbi State Bank of India Anglong 4 Bihar State Bank of India 1. Araria State Bank of India 2. Arwal Punjab National Bank 3. Aurangabad Punjab National Bank 4. Banka UCO Bank 5. Begusarai UCO Bank 6. Bhabua (Kaimur) Punjab National Bank 7. Bhagalpur UCO Bank 8. Bhojpur (Arrah) Punjab National Bank 9. Buxar Punjab National Bank 10. Darbhanga Central Bank of India 11. East Central Bank of India Champaran 12. Gaya Punjab National Bank 13. Gopalgunj Central Bank of India 14. Jamui State Bank of India 15. Jehanabad Punjab National Bank 16. Katihar Central Bank of India 17. Khagaria Union Bank of India 18. Kishanganj State Bank of India 319. Lakhisarai Punjab National Bank 20. Madhepura State Bank of India 21. Madhubani Central Bank of India 22. Monghyr UCO Bank 23. Muzaffarpur Central Bank of India 24. Nalanda Punjab National Bank 25. Nawada Punjab National Bank 26. Patna Punjab National Bank 27. Purnea State Bank of India 28. Rohtas Punjab National Bank (Sasaram) 29. Saharsa State Bank of India 30. Samastipur Union Bank of India 31. Saran Central Bank of India 32. Sheikhpura Canara Bank 33. Sheohar Bank of Baroda 34. Sitamarhi Bank of Baroda 35. Siwan Central Bank of India 36. Supaul State Bank of India 37. Vaishali Central Bank of India 38. West Central Bank of India Champaran 5 C hhattisgarh S tate Bank of India 1. Balod Bank of Baroda 2. Baloda Bazar State Bank of India 3. Balrampur Central Bank of India 4. Bastar State Bank of India 5. Bemetara State Bank of India 6. Bijapur State Bank of India 7. Bilaspur State Bank of India 8. Dantewada State Bank of India 9. Dhamtari Bank of Baroda 10. Durg Bank of Baroda 11. Gariaband Bank of Baroda 12. Gaurela-Pendra- S t a t e B a nk of India Marwahi 13. Janjgir Champa State Bank of India 14. Jashpur State Bank of India 15. Kabirdham State Bank of India 16. Kanker State Bank of India 17. Khairagarh- State Bank of India Chhuikhadan- Gandai 18. Kondagaon State Bank of India 19. Korba State Bank of India 420. Korea Central Bank of India 21. Mahasamund Bank of Baroda 22. Manendragarh- Central Bank of India Chirmiri-Bharatpur (MCB) 23. Mohla-Manpur- Bank of Baroda Ambagarh Chouki 24. Mungeli State Bank of India 25. Narayanpur State Bank of India 26. Raigarh State Bank of India 27. Raipur Bank of Baroda 28. Rajnandgaon Bank of Baroda 29. Sakti State Bank of India 30. Sarangarh- State Bank of India Bilaigarh 31. Sukma State Bank of India 32. Surajpur Central Bank of India 33. Surguja Central Bank of India 6 Goa State Bank of India 1. North Goa State Bank of India 2. South Goa State Bank of India 7 G ujarat B ank of Baroda 1. Ahmedabad State Bank of India 2. Amreli State Bank of India 3. Anand Bank of Baroda 4. Aravalli Bank of Baroda 5. Banaskantha Bank of Baroda 6. Bharuch Bank of Baroda 7. Bhavnagar State Bank of India 8. Botad Bank of Baroda 9. Chhota Udaipur Bank of Baroda 10. Dahod Bank of Baroda 11. Dangs Bank of Baroda 12. Devbhumi Bank of Baroda Dwarka 13. Gandhinagar State Bank of India 14. Gir Somnath State Bank of India 15. Godhra Bank of Baroda (PanchMahal) 16. Jamnagar State Bank of India 17. Junagadh State Bank of India 18. Kheda Bank of Baroda 19. Kutch (Bhuj) Bank of Baroda 20. Mahisagar Bank of Baroda 21. Mehsana Bank of Baroda 22. Morbi State Bank of India 523. Narmada Bank of Baroda 24. Navsari Bank of Baroda 25. Patan Bank of Baroda 26. Porbandar State Bank of India 27. Rajkot State Bank of India 28. Sabarkantha Bank of Baroda 29. Surat Bank of Baroda 30. Surendranagar State Bank of India 31. Tapi Bank of Baroda 32. Vadodara Bank of Baroda 33. Valsad Bank of Baroda 34. Vav-Tharad Bank of Baroda 8 Haryana Punjab National 1. Ambala Punjab National Bank Bank 2. Bhiwani Punjab National Bank 3. Charki Dadri Punjab National Bank 4. Faridabad Canara Bank 5. Fatehabad Punjab National Bank 6. Gurgaon Canara Bank 7. Hisar Punjab National Bank 8. Jhajjar Punjab National Bank 9. Jind Punjab National Bank 10. Kaithal Punjab National Bank 11. Karnal Punjab National Bank 12. Kurukshetra Punjab National Bank 13. Mahendragarh Punjab National Bank 14. Nuh Canara Bank 15. Palwal Punjab National Bank 16. Panchkula Punjab National Bank 17. Panipat Punjab National Bank 18. Rewari Punjab National Bank 19. Rohtak Punjab National Bank 20. Sirsa Punjab National Bank 21. Sonepat Punjab National Bank 22. Yamunanagar Punjab National Bank 9 Himachal UCO Bank 1. Bilaspur UCO Bank Pradesh 2. Chamba State Bank of India 3. Hamirpur Punjab National Bank 4. Kangra Punjab National Bank (Dharamshala) 5. Kinnaur (Peo) Punjab National Bank 6. Kullu Punjab National Bank 7. Lahaul & Spiti State Bank of India (Kelyong) 68. Mandi Punjab National Bank 9. Shimla UCO Bank 10. Sirmaur UCO Bank 11. Solan UCO Bank 12. Una Punjab National Bank 10 Jharkhand Bank of India 1. Bokaro Bank of India 2. Chatra Bank of India 3. Deoghar State Bank of India 4. Dhanbad Bank of India 5. Dumka Indian Bank 6. East Singhbhum Bank of India 7. Garhwa State Bank of India 8. Giridih Bank of India 9. Godda Indian Bank 10. Gumla Bank of India 11. Hazaribag Bank of India 12. Jamtara State Bank of India 13. Khunti Bank of India 14. Koderma Bank of India 15. Letehar State Bank of India 16. Lohardaga Bank of India 17. Pakur State Bank of India 18. Palamu State Bank of India 19. Ramgarh Bank of India 20. Ranchi Bank of India 21. Sahibganj State Bank of India 22. Seraikela- Bank of India Kharsawan 23. Simdega Bank of India 24. West Bank of India Singhbhum 11 K arnataka Canara Bank 1. Bagalkote Canara Bank 2. Ballari Canara Bank 3. Belagavi Canara Bank 4. Bengaluru Rural Canara Bank 5. Bengaluru South Union Bank of India 6. Bengaluru Urban Canara Bank 7. Bidar State Bank of India 8. Chamarajanagar State Bank of India 9. Chikkaballapur Canara Bank 10. Chikkamagaluru Union Bank of India 11. Chitradurga Canara Bank 712. Dakshina Canara Bank Kannada 13. Davangere Canara Bank 14. Dharwad Bank of Baroda 15. Gadag State Bank of India 16. Hassan Canara Bank 17. Haveri Bank of Baroda 18. Kalaburagi State Bank of India 19. Kodagu Union Bank of India 20. Kolar Canara Bank 21. Koppal State Bank of India 22. Mandya Bank of Baroda 23. Mysuru State Bank of India 24. Raichur State Bank of India 25. Shivamogga Canara Bank 26. Tumakuru State Bank of India 27. Udupi Canara Bank 28. Uttar Kannada Canara Bank 29. Vijayanagara State Bank of India 30 Vijayapura Canara Bank 31. Yadgir State Bank of India 12 Kerala Canara Bank 1. Alappuzha State Bank of India 2. Ernakulam State Bank of India 3. Idukki State Bank of India 4. Kannur Canara Bank 5. Kasaragod Canara Bank 6. Kollam Indian Bank 7. Kottayam State Bank of India 8. Kozhikode Canara Bank 9. Malappuram Canara Bank 10. Palakkad Canara Bank 11. Pathanamthitta State Bank of India 12. Indian Overseas Bank Thiruvananthapura m 13. Thrissur Canara Bank 14. Wayanad Canara Bank (Kalepetta) 13 Madhya Central Bank of 1. Agar-Malwa Bank of India P radesh I ndia 2. Alirajpur Bank of Baroda 3. Anuppur Central Bank of India 4. Ashoknagar State Bank of India 5. Balaghat Central Bank of India 6. Barwani Bank of India 87. Betul Central Bank of India 8. Bhind Central Bank of India 9. Bhopal Bank of India 10. Burhanpur Bank of India 11. Chhatarpur State Bank of India 12. Chhindwara Central Bank of India 13. Damoh State Bank of India 14. Datia Punjab National Bank 15. Dewas Bank of India 16. Dhar Bank of India 17. Dindori Central Bank of India 18. East Nimar Bank of India (Khandwa) 19. Guna State Bank of India 20. Gwalior Central Bank of India 21. Harda State Bank of India 22. Hoshangabad Central Bank of India 23. Indore Bank of India 24. Jabalpur Central Bank of India 25. Jhabua Bank of Baroda 26. Katni State Bank of India 27. Maihar Indian Bank 28. Mandla Central Bank of India 29. Mandsaur Central Bank of India 30. Mauganj Union Bank of India 31. Morena Central Bank of India 32. Narsinghpur Central Bank of India 33. Neemuch State Bank of India 34. Niwari State Bank of India 35. Pandhurna Central Bank of India 36. Panna State Bank of India 37. Raisen Central Bank of India 38. Rajgarh Bank of India 39. Ratlam Central Bank of India 40. Rewa Union Bank of India 41. Sagar Central Bank of India 42. Satna Indian Bank 43. Seoni State Bank of India 44. Shahdol Central Bank of India 45. Shajapur Bank of India 46. Sheopur Kala State Bank of India 47. Shivpuri State Bank of India 48. Sidhi Union Bank of India 949. Sihore Bank of India 50. Singrauli Union Bank of India 51. Tikamgarh State Bank of India 52. Ujjain Bank of India 53. Umaria State Bank of India 54. Vidisha State Bank of India 55. West Nimar Bank of India (Khargone) 14 Maharashtra Bank of 1. Ahilyanagar Central Bank of India Maharashtra 2. Akola Central Bank of India 3. Amravati Central Bank of India 4. Beed State Bank of India 5. Bhandara Bank of India 6. Buldhana Central Bank of India 7. Chandrapur Bank of India 8. Chhatrapati Bank of Maharashtra Sambhajinagar 9. Dharashiv State Bank of India 10. Dhule Central Bank of India 11. Gadchiroli Bank of India 12. Gondia Bank of India 13. Hingoli State Bank of India 14. Jalgaon Central Bank of India 15. Jalna Bank of Maharashtra 16. Kolhapur Bank of India 17. Latur State Bank of India 18. Mumbai City Bank of Baroda 19. Mumbai Bank of Baroda Suburban 20. Nagpur Bank of India 21. Nanded State Bank of India 22. Nandurbar State Bank of India 23. Nashik Bank of Maharashtra 24. Palghar Bank of Maharashtra 25. Parbhani State Bank of India 26. Pune Bank of Maharashtra 27. Raigad Bank of India 28. Ratnagiri Bank of India 29. Sangli Bank of India 30. Satara Bank of Maharashtra 31. Sindhudurg Bank of India 32. Solapur Bank of India 33. Thane Bank of Maharashtra 34. Wardha Bank of India 1035. Washim State Bank of India 36. Yavatmal Central Bank of India 15 M anipur S tate Bank of India 1. Bishnupur Punjab National Bank 2. Chandel State Bank of India 3. Churachandpur State Bank of India 4. Imphal East Punjab National Bank 5. Imphal West State Bank of India 6. Jiribam Punjab National Bank 7. Kakching State Bank of India 8. Kamjong Punjab National Bank 9. Kangpokpi State Bank of India 10. Noney Punjab National Bank 11. Pherzawal State Bank of India 12. Senapati State Bank of India 13. Temenglong Punjab National Bank 14. Tengnoupal Punjab National Bank 15. Thoubal State Bank of India 16. Ukhrul Punjab National Bank 16 Meghalaya State Bank of India 1. East Garo hills State Bank of India 2. East Jaintia Hills State Bank of India 3. East Khasi Hills State Bank of India 4. Eastern West Punjab National Bank Khasi Hills 5. North Garo Hills State Bank of India 6. Ri Bhoi State Bank of India 7. South Garo Hills State Bank of India 8. South West Garo S t a t e Bank of India Hills 9. South West State Bank of India Khasi Hills 10. West Garo hills State Bank of India 11. West Jaintia State Bank of India Hills 12. West Khasi Hills State Bank of India 17 Mizoram State Bank of India 1. Aizawl State Bank of India 2. Champhai State Bank of India 3. Hnahthial State Bank of India 4. Khawzawl State Bank of India 5. Kolasib State Bank of India 6. Lawngtlai State Bank of India 7. Lunglei State Bank of India 8. Mamit State Bank of India 9. Saitual State Bank of India 10. Serchhip State Bank of India 1111. Siaha State Bank of India 18 Nagaland State Bank of India 1. Chumoukedima Bank of Baroda 2. Dimapur State Bank of India 3. Kiphire State Bank of India 4. Kohima State Bank of India 5. Longleng State Bank of India 6. Meluri State Bank of India 7. Mokokchung State Bank of India 8. Mon State Bank of India 9. Niuland State Bank of India 10. Noklak State Bank of India 11. Peren State Bank of India 12. Phek State Bank of India 13. Shamator State Bank of India 14. Tseminyu State Bank of India 15. Tuensang State Bank of India 16. Wokha State Bank of India 17. Zunheboto State Bank of India 19 O disha U CO Bank 1. Angul UCO Bank 2. Balasore UCO Bank 3. Bargah State Bank of India 4. Bhadrak UCO Bank 5. Bolangir State Bank of India (Balangir) 6. Boudh State Bank of India 7. Cuttack UCO Bank 8. Deogarh State Bank of India 9. Dhenkanal UCO Bank 10. Gajapati Union Bank of India 11. Ganjam Union Bank of India 12. Jagatsinghpur UCO Bank 13. Jajpur State Bank of India 14. Jharsuguda State Bank of India 15. Kalahandi State Bank of India 16. Kandhamal State Bank of India 17. Kendrapara State Bank of India 18. Keonjhar Bank of India 19. Khurda State Bank of India 20. Koraput State Bank of India 21. Malkangiri State Bank of India 22. Mayurbhanj Bank of India 23. Nabarangpur State Bank of India 24. Nayagarh State Bank of India 1225. Nuapada State Bank of India 26. Puri UCO Bank 27. Rayagada State Bank of India 28. Sambalpur State Bank of India 29. Sonepur State Bank of India 30. Sundargarh State Bank of India 20 Punjab Punjab National 1. Amritsar Punjab National Bank Bank 2. Barnala State Bank of India 3. Bhatinda State Bank of India 4. Faridkot Punjab & Sind Bank 5. Fategarh Sahib State Bank of India 6. Fazilka Punjab National Bank 7. Ferozepur Punjab National Bank 8. Gurdaspur Punjab National Bank 9. Hoshiarpur Punjab National Bank 10. Jalandhar UCO Bank 11. Kapurthala Punjab National Bank 12. Ludhiana Punjab & Sind Bank 13. Malerkotla State Bank of India 14. Mansa State Bank of India 15. Moga Punjab & Sind Bank 16. Muktsar State Bank of India 17. Nawanshahr Punjab National Bank 18. Pathankot Punjab National Bank 19. Patiala State Bank of India 20. Ropar UCO Bank 21. Sahibzada Ajit Punjab National Bank Singh Nagar (Mohali) 22. Sangrur State Bank of India 23. Tarn Taran Punjab National Bank 21 R ajasthan B ank of Baroda 1. Ajmer Bank of Baroda 2. Alwar Punjab National Bank 3. Balotra State Bank of India 4. Banswara Bank of Baroda 5. Baran Central Bank of India 6. Barmer State Bank of India 7. Beawar Bank of Baroda 8. Bharatpur Punjab National Bank 9. Bhilwara Bank of Baroda 10. Bikaner State Bank of India 11. Bundi Bank of Baroda 12. Chittorgarh Bank of Baroda 1313. Churu Bank of Baroda 14. Dausa UCO Bank 15. Deeg Punjab National Bank 16. Dholpur Punjab National Bank 17. Didwana- UCO Bank Kuchaman 18. Dungarpur Bank of Baroda 19. Hanumangarh State Bank of India 20. Jaipur State Bank of India 21. Jaisalmer State Bank of India 22. Jalore State Bank of India 23. Jhalawar Central Bank of India 24. Jhunjhunu Bank of Baroda 25. Jodhpur ICICI Bank 26. Khairthal-Tijara Punjab National Bank 27. Karauli Bank of Baroda 28. Kota Central Bank of India 29. Kotputli-Behror Punjab National Bank 30. Nagaur UCO Bank 31. Pali State Bank of India 32. Phalodi UCO Bank 33. Pratapgarh Bank of Baroda 34. Rajsamand State Bank of India 35. Salumber ICICI Bank 36. Sawai Bank of Baroda Madhopur 37. Sikar Punjab National Bank 38. Sirohi State Bank of India 39. Sri Ganganagar Punjab National Bank 40. Tonk Bank of Baroda 41. Udaipur State Bank of India 22 Sikkim State Bank of India 1. Gangtok (Earlier State Bank of India Name - East Sikkim) 2. Gyalshing State Bank of India (Earlier Name - West Sikkim) 3. Mangan (Earlier State Bank of India Name - North Sikkim) 4. Namchi (Earlier State Bank of India Name - South Sikkim) 5. Pakyong Central Bank of India 146. Soreng State Bank of India 23 T amil Nadu Indian Overseas 1. Ariyalur State Bank of India B ank 2. Chengalpattu Indian Bank 3. Chennai Indian Overseas Bank 4. Coimbatore Canara Bank 5. Cuddalore Indian Bank 6. Dharmapuri Indian Bank 7. Dindigul Canara Bank 8. Erode Canara Bank 9. Kallakurichi Indian Bank 10. Kanchipuram Indian Bank 11. Kanyakumari Indian Overseas Bank 12. Karur Indian Overseas Bank 13. Krishnagiri Indian Bank 14. Madurai Canara Bank 15. Mayiladuthurai Indian Overseas Bank 16. Nagapattinam Indian Overseas Bank 17. Namakkal Indian Bank 18. Nilgiris Canara Bank 19. Perambalur Indian Overseas Bank 20. Puddukottai Indian Overseas Bank 21. Indian Overseas Bank Ramanathapuram 22. Ranipet Indian Bank 23. Salem State Bank of India 24. Sivaganga Indian Overseas Bank 25. Tenkasi Indian Overseas Bank 26. Thanjavur Indian Overseas Bank 27. Theni Canara Bank 28. Tiruchirapalli Indian Overseas Bank 29. Tirunelveli Indian Overseas Bank 30. Tirupathur Indian Bank 31. Tiruppur Canara Bank 32. Tiruvallur Indian Bank 33. Tiruvannamalai Indian Bank 34. Tiruvarur Indian Overseas Bank 35. Tuticorin State Bank of India 36. Vellore Indian Bank 37. Viluppuram Indian Bank 38. Virudhunagar Indian Overseas Bank 24 Telangana State Bank of India 1. Adilabad State Bank of India 2. Bhadradri State Bank of India 153. Hanumakonda State Bank of India (earlier name - Warangal (Urban)) 4. Hyderabad State Bank of India 5. Jagitial Union Bank of India 6. Jangaon (New) State Bank of India 7. Jayashankar State Bank of India 8. Jogulamba Union Bank of India 9. Kamareddy Canara Bank 10. Karimnagar State Bank of India 11. Khammam State Bank of India 12. Komram Bheem State Bank of India 13. Mahabubabad State Bank of India 14. Mahabubnagar State Bank of India 15. Mancherial Union Bank of India 16. Medak State Bank of India 17. Medchal- Canara Bank Malkajgiri 18. Mulugu State Bank of India 19. Nagarkurnool Union Bank of India 20. Nalgonda State Bank of India 21. Narayanpet State Bank of India 22. Nirmal State Bank of India 23. Nizamabad State Bank of India 24. Peddapalli Union Bank of India 25. Rajanna Union Bank of India 26. Ranga Reddy State Bank of India 27. Sangareddy Canara Bank 28. Siddipet Union Bank of India 29. Suryapet State Bank of India 30. Vikarabad State Bank of India 31. Wanaparthy Union Bank of India 32. Warangal Union Bank of India (earlier name - Warangal (Rural)) 33. Yadadri Canara Bank 25 Tripura Punjab National 1. Dhalai Punjab National Bank Bank 2. Gomati Punjab National Bank 3. Khowai Punjab National Bank 4. North Tripura Punjab National Bank 5. Sepahijala Punjab National Bank 6. South Tripura Punjab National Bank 7. Unakoti Punjab National Bank 8. West Tripura Punjab National Bank 1626 Uttarakhand State Bank of India 1. Almora State Bank of India 2. Bageshwar State Bank of India 3. Chamoli State Bank of India 4. Champawat State Bank of India 5. Dehradun Punjab National Bank 6. Haridwar Punjab National Bank 7. Nainital Bank of Baroda 8. Pauri Garwal State Bank of India 9. Pithoragarh State Bank of India 10. Rudraprayag State Bank of India 11. Tehri Garhwal State Bank of India (New Tehri) 12. Udham Singh Bank of Baroda Nagar 13. Uttar Kashi State Bank of India 27 U ttar Pradesh B ank of Baroda 1. Agra Canara Bank 2. Aligarh Canara Bank 3. Allahabad Bank of Baroda 4. Ambedkar Nagar Bank of Baroda 5. Auraiya Central Bank of India 6. Azamgarh Union Bank of India 7. Baghpat Canara Bank 8. Bahraich Indian Bank 9. Ballia Central Bank of India 10. Balrampur Indian Bank 11. Banda Indian Bank 12. Barabanki Bank of India 13. Bareilly Bank of Baroda 14. Basti State Bank of India 15. Bhim Nagar Canara Bank 16. Bijnor Punjab National Bank 17. Budaun Punjab National Bank 18. Bulandshahr Punjab National Bank 19. Chandauli Union Bank of India 20. Chhtrapati Bank of Baroda Sahuji Maharaj Nagar 21. Chitrakoot Indian Bank 22. Deoria Central Bank of India 23. Etah Canara Bank 24. Etawah Central Bank of India 25. Faizabad Bank of Baroda 26. Farukhabad Bank of India 27. Fatehpur Bank of Baroda 1728. Firozabad State Bank of India 29. Gautam Buddha Canara Bank Nagar 30. Ghaziabad Canara Bank 31. Ghazipur Union Bank of India 32. Gonda Indian Bank 33. Gorakhpur State Bank of India 34. Hamirpur Indian Bank 35. Hardoi Bank of India 36. Jalaun Indian Bank 37. Jaunpur Union Bank of India 38. Jhansi Punjab National Bank 39. Jyotiba Phule Canara Bank Nagar (Amroha) 40. Kannauj Bank of India 41. Kanpur Dehat- Bank of Baroda Rural 42. Kanpur Nagar- Bank of Baroda Urban 43. Kansi Ram Canara Bank Nagar (Kasganj) 44. Kaushambi Bank of Baroda 45. Kushi Nagar Central Bank of India (Padrauna) 46. Lakhimpur-Kheri Indian Bank 47. Lalitpur Punjab National Bank 48. Lucknow Bank of India 49. Mahamaya Canara Bank Nagar (Hathras) 50. Maharajganj State Bank of India 51. Mahoba Indian Bank 52. Mainpuri Bank of India 53. Mathura Canara Bank 54. Mau (Mau Nath Union Bank of India Bahnjan) 55. Meerut Canara Bank 56. Mirzapur Indian Bank 57. Moradabad Canara Bank 58. Muzaffarnagar Punjab National Bank 59. Panchsheel Canara Bank Nagar 60. Pilibhit Bank of Baroda 61. Prabudh Nagar Punjab National Bank (Shamli) 1862. Pratapgarh Bank of Baroda 63. Rae Bareli Bank of Baroda 64. Rampur Bank of Baroda 65. Saharanpur Punjab National Bank 66. Sant Kabir State Bank of India Nagar 67. Sant Ravidas Union Bank of India Nagar (Bhadohi) 68. Shahjahanpur Bank of Baroda 69. Shravasti Indian Bank 70. Siddharth nagar State Bank of India 71. Sitapur Indian Bank 72. Sonbhadra Indian Bank 73. Sultanpur Bank of Baroda 74. Unnao Bank of India 75. Varanasi Union Bank of India 28 West Bengal Punjab National 1. Alipurduar Central Bank of India Bank 2. Bankura Punjab National Bank 3. Birbhum UCO Bank 4. Cooch Behar Central Bank of India 5. Dakshin Dinajpur Punjab National Bank 6. Darjeeling Central Bank of India 7. Hooghly UCO Bank 8. Howrah UCO Bank 9. Jalpaiguri Central Bank of India 10. Jhargram Punjab National Bank 11. Kalimpong State Bank of India 12. Kolkata State Bank of India 13. Malda Punjab National Bank 14. Murshidabad Punjab National Bank 15. Nadia Punjab National Bank 16. North 24 Indian Bank Parganas 17. Paschim State Bank of India Bardhaman 18. Pashchim Punjab National Bank Medinapur 19. Purba UCO Bank Bardhaman 20. Purba Punjab National Bank Medinapur 21. Purulia Punjab National Bank 22. South 24 Punjab National Bank Parganas 1923. Uttar Dinajpur Punjab National Bank 29 Andaman & State Bank of India 1. Nicobar Islands State Bank of India Nicobar 2. North & Middle State Bank of India Islands Andaman 3. South Andaman State Bank of India 30 Chandigarh Punjab National 1. Chandigarh Punjab National Bank Bank (Rural) 31 Dadra and Bank of Baroda 1. Dadra and Nagar B a nk of Baroda Nagar Haveli Haveli and Daman 2. Daman State Bank of India a nd Diu 3. Diu State Bank of India 32 D elhi Punjab National 1. Central Delhi Canara Bank B ank 2. East Delhi Punjab National Bank 3. New Delhi Canara Bank 4. North Delhi Punjab National Bank 5. North East Delhi Punjab National Bank 6. North West Delhi Punjab National Bank 7. Shahdara Bank of Baroda 8. South Delhi State Bank of India 9. South East Delhi State Bank of India 10.South West Delhi State Bank of India 11. West Delhi Canara Bank 33 Jammu and The Jammu & 1. Anantnag J & K Bank Ltd. Kashmir Kashmir Bank Ltd. 2. Bandipora J & K Bank Ltd. 3. Baramulla J & K Bank Ltd. 4. Budgam J & K Bank Ltd. 5. Doda State Bank of India 6. Ganderbal J & K Bank Ltd. 7. Jammu State Bank of India 8. Kathua State Bank of India 9. Kishtwar State Bank of India 10. Kulgam J & K Bank Ltd. 11. Kupwara J & K Bank Ltd. 12. Poonch J & K Bank Ltd. 13. Pulwama J & K Bank Ltd. 14. Rajouri J & K Bank Ltd. 15. Ramban State Bank of India 16. Reasi State Bank of India 17. Samba State Bank of India 18. Shopian J & K Bank Ltd. 19. Srinagar J & K Bank Ltd. 20. Udhampur State Bank of India 34 Ladakh State Bank of India 1. Kargil State Bank of India 202. Leh State Bank of India 35 Lakshadweep Canara Bank 1. Lakshadweep Canara Bank 36 Puducherry Indian Bank 1. Puducherry Indian Bank 21Annex-2 Agenda for BLBC meetings i) Preparation of Block Credit Plan, monitoring performance under the Block Credit Plan; Review of credit flow to priority sectors; CD ratio ii) Review of lending to Agriculture and allied activities, Agri-infrastructure, FPOs, and MSME (including MSME cluster) financing, weaker sections, SHG credit-linkage, etc. iii) Lending under government sponsored schemes, NPAs and recovery iv) Review of credit related relief measures in cases of natural calamities, if any v) Coverage of Unbanked Rural Centres (URCs) with banking facilities vi) Monitoring performance of Business Correspondents (BCs) vii) Achievement /sustenance of 100% digitalization under Expanding and Deepening of Digital Payments Ecosystem (EDDPE) viii) Review of financial literacy initiatives including digital financial literacy, monitoring of FL camps undertaken by Centres for Financial Literacy (CFLs) ix) Implementation of skill development programmes including by RSETIs x) Monitoring of pendency of applications under government sponsored schemes, NPAs and NPA recovery xi) Performance under social security schemes (PMJJBY, PMSBY, APY) xii) Any other itemAnnex-3 Agenda for DCC meetings i) Preparation of District Credit Plan (DCP); monitoring performance under DCP; Review of credit flow to priority sectors (special focus to be provided in districts identified by RBI as low Priority Sector Lending (low PSL) districts) ii) CD ratio; Review of performance under Monitorable Action Plan for CD Ratio, if any iii) Review of lending to Agriculture and allied activities, Agri-infrastructure, FPOs, and MSME (including MSME cluster) financing, weaker sections, SHG credit-linkage, etc. iv) Lending under government sponsored schemes, NPAs and recovery v) Review of credit related relief measures in cases of natural calamities, if any vi) Coverage of Unbanked Rural Centres (URCs) by banking facilities vii) ‘Merger/closure/ shifting outside the revenue centre of any rural ‘Banking Outlet’ or sole semi urban ‘Banking Outlet’ viii) Monitoring performance of Business Correspondents (BCs) ix) Achievement /sustenance of 100% digitalization under Expanding and Deepening of Digital Payments Ecosystem (EDDPE) x) Review of financial literacy initiatives including digital financial literacy, monitoring of FL camps undertaken by Financial Literacy Centres (FLCs) and Centres for Financial Literacy (CFLs) xi) Implementation of skill development programmes including by RSETIs xii) Performance under social security schemes (PMJJBY, PMSBY, APY) xiii)Matters referred by Sub-Committees of DCC/ BLBC xiv) Review of conduct of BLBC meetings xv) Follow up on action points of DLRC xvi) Any other itemAnnex-4 Agenda for DLRC meetings i) Review of performance under District Credit Plan (DCP) ii) Review of lending to Agriculture and allied activities, Agri-infrastructure, FPOs, and MSME (including MSME cluster) financing, weaker sections, SHG credit-linkage, etc. iii) Lending under government sponsored schemes, NPAs and recovery iv) Coverage of Unbanked Rural Centres (URCs) by banking facilities v) Merger/closure/ shifting outside the revenue centre of any rural ‘Banking Outlet’ or sole semi urban ‘Banking Outlet’ vi) Performance under social security schemes (PMJJBY, PMSBY, APY) vii) Any other itemAnnex-5 Agenda for SLBC meetings i) Preparation of Annual Credit Plan (ACP); Monitoring performance under ACP; priority sector lending and government sponsored schemes, NPAs and recovery (e.g. NPAs in schematic lending, issues faced in recovery etc.) ii) Coverage of Unbanked Rural Centres (URCs) by banking facilities iii) Aspects relating to BCs impacting provision of banking services – e.g. inactivity of BCs, challenges faced by BCs in their operations. iv) Expansion of digital payments – e.g. connectivity options, availability of payment infrastructure such as PoS machines etc. v) Review of districts to be monitored based on CD ratio and ACP achievement, and measures required to improve credit absorption capacity – e.g. plugging gaps in rural and agriculture infrastructure vi) Review of restructuring of loans in cases of natural calamities, if any vii) Implementation of skill development programmes including by RSETIs – e.g. partnering with National Skill Development Corporation (NSDC) etc. viii)Review of financial literacy initiatives (particularly digital financial literacy) - e.g. coverage in school curriculum, activities of FLCs and CFLs etc. ix) Matters relating to usurious lending, over indebtedness, credit related frauds by borrower groups, etc. x) Matters referred to SLBC by various Sub-Committees1/ DCCs xi) Other items identified by Steering Sub-Committee xii) Recent policy initiatives and promotion of awareness about Government schemes xiii)Any other item 1 Sub-committees on Agriculture, MSME & OPS, Financial Inclusion and Financial Literacy, Digital Payments, as per revised structure of SLBC forumAnnex-6 Agenda for SLBC Sub-Committee meetings 1) Sub-Committee on Agriculture and Allied Activities (SC-AA) i) Credit flow to Agriculture (Crop loan and Term loan) and allied activities vis-à-vis Annual Credit Plan; credit flow in credit deficient districts ii) KCC loans for Crops, Animal Husbandry and Fisheries, NPAs and recovery iii) Financing under specific Central/State Government Schemes related to agriculture & allied activities and Agri – infrastructure iv) Restructuring of agri-loans in natural calamity affected districts in the State, if any v) Exploring the scope of state-specific potential growth areas vi) Matters related to rural and agriculture infrastructure vii) Implementation of Model Land Leasing Act 2016 viii)Digitization of land records ix) Pledge financing through e-NWRs issued by WDRA registered warehouses x) Financing of FPOs xi) Matters relating to agriculture credit referred by DCCs xii) Any other relevant matter 2) Sub-Committee on MSME and Other Priority Sector (SC - MSME & OPS) a) MSME i) Discussion on lending under government sponsored schemes and other initiatives ii) Flow of credit to MSMEs vis-à-vis Annual Credit Plan and lending to MSMEs in credit deficient districts; NPAs and recovery; Financing of new units iii) Collateral free loans to MSMEs, coverage under CGTMSE iv) Onboarding on Udyam Portal, Udyam Assist Platform and onboarding on TReDS v) Financing under specific Central/State Government Schemes related to MSMEs 1vi) Banking facilities in MSME clusters vii) Export Credit and Financing of Startups viii)Matters related to development of infrastructure and availability of facilities (such as energy, water, telecommunication, pollution control, technology upgradation, market access, common facility centres, design centres, R&D centres and training, etc.) ix) Restructuring of MSME loans in natural calamity affected districts in the State, if any x) Financing to women-led enterprises xi) Exploring the scope of state-specific potential growth areas xii) Matters relating to MSME credit referred by DCCs xiii)Any other relevant matter b) Other Priority Sector (OPS) i) Credit flow to Priority Sectors such as export credit, education, housing, social infrastructure, renewable energy and others (i.e other than agriculture and MSME) ii) Financing under specific Central/State Government Schemes relating to Other Priority Sectors 3) Sub-Committee on Financial Inclusion and Financial Literacy (SC-FIFL) a) Financial Inclusion (FI) i) Coverage of unbanked rural centres by banking facilities; Issues relating to banking infrastructure, and operations of Business Correspondents (BCs) in the State ii) Direct Benefit Transfer (DBT) in the State iii) Progress in coverage of eligible population under PMJDY, PMJJBY, PMSBY, APY and NPS; issues affecting coverage iv) Progress under SHG – Bank linkage and issues faced v) Skill training programmes and credit linkage vi) Matters relating to financial inclusion, referred by DCCs vii) Any other relevant matter 2b) Financial Literacy (FL) i) Review of FL activities conducted and co-ordination among various stakeholders ii) Financial Education in the School Curriculum iii) Centres of Financial Literacy (CFLs) and Financial Literacy Centres (FLCs) iv) Inclusion of financial literacy module in Skill training programmes v) Matters relating to financial literacy referred by DCCs vi) Any other relevant matter 4) Sub-Committee on Digital Payments (SC-DP) i) Progress under Expanding and Deepening of Digital Payments Ecosystem (EDDPE) ii) Issues affecting progress under the programme, e.g., connectivity issues, digital frauds iii) Digital financial awareness and cyber security campaigns at Gram Panchayat level and promotion of digital transactions iv) Matter relating to digital payments referred by DCCs v) Any other relevant matter 3LBS – MIS Annex 7 Statement showing Achievement vis-à-vis Targets under the Annual Credit Plan (ACP) for the quarter ended ____ Name of the State/Union Territory: No. of accounts in actuals, Amount in thousands (A) Public Sector Banks (B) Private Sector Banks (C) Regional Rural Banks (D) Small Total (A+B+C+D+E) Finance Banks (E) Rural Cooperative Banks (StCBs and DCCBs) Achievement Achievement ACP Target (Fixed (Disbursement) upto % Achievement ACP Target (Fixed (Disbursement) upto % Achievement Sr. No Sector Amount O/s Amount O/s Annual) the end of current (Disbursement) Annual) the end of current (Disbursement) quarter quarter No. of No. of No. of No. of No. of No. of No. of No. of Amount Amount Amount Amount Amount Amount Amount Amount Acc. Acc. Acc. Acc. Acc. Acc. Acc. Acc. 1 Priority Sector (1A+1B+1C+1D+1E+1F+1G+1H) 1A Agriculture= 1A(i)+1A(ii)+1A (iii) 1A(i) Farm Credit 1A(ii) Agriculture Infrastructure 1A(iii) Ancillary Activities Out of 1A(iii) above, loans upto 50 crore to Start-ups engaged in Agri & Allied services Out of Agriculture, loans to Small & Marginal Farmers 1B MSMEs = 1B(i)+1B(ii)+1B(iii)+1B(iv) Micro Enterprises (Manufacturing + Service) (including 1B(i) Khadi & Village Industries) 1B(ii) Small Enterprises (Manufacturing + Service) 1B(iii) Medium Enterprises (Manufacturing + Service) Other finance to MSMEs (As indicated in Master 1B(iv) Direction on PSL) Out of 1B(iv) above, loans upto 50 crores to Start-ups) 1C Export Credit 1D Education 1E Housing 1F Social Infrastructure 1G Renewable Energy 1H Others Out of 1H above, loans upto 50 crore to Start-ups (other than Agri/ MSME) Sub total Priority Sector Lending = 2 1A+1B+1C+1D+1E+1F+1G+1H 3 Loans to weaker Sections under PSL Out of 3 above, loans to individual women beneficiaries up to ₹1 lakh 4 Non-Priority Sector (4A+4B+4C+4D+4E) 4A Agriculture 4B Education 4C Housing 4D Personal Loans under Non-Priority Sector 4E Others Sub-total Non-Priority Sector Lending = 5 4A+4B+4C+4D+4E Total=2+5Annex-8-A Management of Data Flow at LBS Fora – Procedure i. Each bank’s CBS should have a provision to export all LBS-related data and tables into an Excel report. This data should have information pertaining to all the branches operating in the state including fields/ columns for District and Block name. Access to Download and Export this data from the bank’s CBS should be given to the Controlling Offices of the banks who would be solely responsible for the process of ‘Data Feeding’ for all districts/ blocks within their jurisdiction. ii. The ‘Data Feeding’ process is the process of uploading this Excel file (downloaded in step (i) above) on the SLBC portals. SLBC portals should have a provision to ‘Import/ Upload’ all the data present in the Excel Sheet on the database of the SLBC portals. This would obviate any manual ‘data entry’ at the SLBC/ Controlling Office level. iii. To facilitate the above functionality, each SLBC Convenor Bank would have to add this ‘Import/ Upload’ functionality to their SLBC portal along with the requisite capabilities at the back-end. iv. The SLBC portal would, thus, effectively work as a data aggregation platform. Further, data analysis capabilities could also be added to the SLBC portals depending on the available resources. v. The SLBC portals should provide access to LDMs to download district and block specific data directly from the portal, thus ensuring integrity and timely availability of data. vi. There could still be some data pertaining to State Government Schemes/ other data that is not available on the CBS or MIS of the banks. This would have to be collated at the Controlling Office level. On the SLBC portal, functionalities could be provided to enter this data too. This could then be downloaded by the LDMs for district/ block level reports. Banks may also add Open Format fields like ‘text boxes’ for data or information that is special or is entered/ used occasionally. 1vii. Such a system ensures that LDMs and SLBC Convenor Banks have to do zero or minimal data entry/ feeding and all data is entered by a single ‘custodian of data’, which is the Controlling Office of each bank. Any information to be provided by Government extension agencies could also be similarly uploaded. 2Annex-8-B Standard Operating Procedure (SOP) for Data Flow at LBS Fora i) Head Office (HO) of each bank shall generate the report pertaining to LBS related data and data available on CBS/ MIS, in the prescribed format, which includes district and block names and codes, on quarterly basis. ii) HO of each bank shall provide the district and block level report in the prescribed format to state level controlling offices of the bank. iii) Each SLBC shall ensure that their data feeding web portal has a provision for upload of data by controlling offices of each bank in the prescribed format. iv) Each bank’s designated controlling office shall upload the data in SLBC portal by 15th of succeeding month, after the end of the quarter. v) Data pertaining to State Government/ other data (which are not available on CBS or MIS of the bank) would be collated and uploaded by the controlling office/ Lead District Manager (LDM), on the SLBC web portal by 20th of succeeding month of the end of the quarter. vi) The SLBC Convenor bank should provide the LDMs, access to the SLBC web portal to enable them to download the block-wise data of their respective districts. vii) SLBC Convenor bank should provide access to the SLBC web portal to the designated controlling offices of banks in the state to enable them to download the data to verify correctness. Role of banks’ Head Offices i) Banks’ HOs shall generate district-wise and block-wise data of each state in the prescribed format. ii) Banks’ HOs shall ensure that the mapping of their branches to the block level has been carried out. iii) HO of each bank shall provide the report in prescribed format to the state level controlling office. iv) The state, district and block codes should be as per the latest Government of India census data. 3v) The amount column in the report should be furnished in actual and not in lakh, crore, etc. Role of Controlling Office of bank working at state level i) Each banks’ controlling office at state level shall be responsible for uploading the data of the state on the SLBC portal. ii) For data pertaining to State Government/ other data (which is not available on CBS or MIS of the bank), the controlling office of the bank at state level will collate the same in the format prescribed by the SLBC and upload on the SLBC portal. Role of SLBC Convenor Bank i) SLBC Convenor bank shall ensure that their data feeding web portal has a provision for upload of data by the designated controlling offices of each bank in the state. ii) There are 29 formats (flat files) for the data pertaining to CBS or available through MIS of the bank. iii) Additionally, there are four excel formats for data pertaining to FLCs and RSETIs, which are required to be collected from the state level controlling offices of banks. iv) For data pertaining to State Government/ Other data (which is not available on CBS or MIS of the bank), SLBC Convenor bank may follow their existing procedure or devise new procedure. v) SLBC Convenor bank shall ensure that LDMs are able to access web portal of SLBC to download the block wise data of their respective district. vi) SLBC Convenor bank should provide access to controlling offices of banks of respective state on SLBC web portal to download the uploaded data and verify correctness. vii) SLBC Convenor bank shall ensure that their data feeding web portal has a provision to enable upload of block-wise ACP target data in approved format, by LDMs. Role of Lead District Managers (LDMs) i) LDMs shall upload the block wise ACP target of the district on SLBC portal of the state, by 15th April, i.e., beginning of the financial year. ii) LDMs shall download the block wise information of their district for review purposes. 4The flow chart describing the procedure to be followed in this regard is as follows: Start Data pertaining Each bank’s controlling office at the No to LBS is state level will collate and upload the available in data on the web portal of the SLBC. CBS? Yes HO of each bank will generate the data in approved format. HO of each bank will provide the district and block level report in the approved format to the controlling office of the bank at state level. Each bank’s controlling office at the state level will upload the data on the SLBC web portal of that state. LDMs of the state will download the district and block level data and upload the yearly block wise ACP target of the district, data like RSETIs/ FLCs, etc. Complete 5Comprehensive Review of Lead Bank Scheme (LBS) Annex 9 SLBC/UTLBC Website- Indicative List of contents Menu item Sub Menu Contents Annex SLBC as a coordinating forum for the About us Background development of the state and its functioning - Brief write up SLBC members with their names and contact SLBC-Members 9-A details Each district may be linked to the respective State Geographical district website of GOI at NIC portal so as to Profile Map get district details on clicking the respective district name Infrastructure Power, Transport, Roads & Rail etc Acreage under cultivation, Cropping pattern, Irrigation facilities, Farm mechanisation, Agriculture allied activities, Dairy, Fisheries, Plantation, Horticulture etc, Industrialisation, Status of MSME, Sickness Industries of MSME, Reasons, Rehabilitation Banking L ist of Unbanked Rural Centres (URCs) 9-B SLBC Calendar of Schedule of SLBC meetings for the current 9-C meetings meetings calendar year SLBC-Meetings Details of SLBC meetings held with agenda 9-D held and minutes Lead Bank Lead Banks- Details of Lead Banks with names of LDM 9-E Scheme District wise and their contact details ACP-Targets Annual Credit Plan - Targets for the year 9-F ACP- Annual Credit Plan - Sector wise 9-G Achievements achievement CD Ratio Position of district-wise CD ratio 9-H Govt Central Brief description of each Central Government Sponsore Government sponsored programme. The Central d Sponsored Government sponsored scheme is to be Programm programmes linked to RBI/GoI guidelines es State Government Brief description of each State Government Sponsored sponsored programme. programmes Banking Banking Network- Mode of Banking Services 9-I Network Summary Banking outlets- District wise particulars of branches 9-J Branches-detailsMenu item Sub Menu Contents Annex Banking outlets- District wise particulars of BC outlets 9-K BCs-details Particulars of Banking Services District wise banking services provided 9-L through Other through Other Modes Modes Financial Bank wise position of savings and credit SHG bank linkage 9-M Inclusion linked number of SHGs FLCs Database on FLCs 9-N RSETIs District wise position of RSETIs 9-O Submissio Web based Submission of data by Lead Banks and n of data interface controlling office of banks to SLBC Link to RBI, NABARD, respective State Links to related Links Government, IBA, Banking Ombudsman, website Banks and other related websitesAnnex 9-A SLBC-List of Members Updated as on ----- SR Name Designation Organisation Contact Details Remarks Tel email Address 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23Annex 9-B A. List of Tier-5 Unbanked Rural Centres (URCs) Sr. No. State District Block/Sub- Revenue Census District Centre Centre Name Code B. List of Tier-6 Unbanked Rural Centres (URCs) Sr. No. State District Sub- Revenue Census District Centre Centre Name Code 2 TOTALAnnex 9-C SLBC -Calendar of meetings for the calendar year -------- SR Year Quarter Scheduled Date of Remarks meeting 1 dd.mm.yyyy 2 3 4Annex 9-D SLBC - Details of meetings held SR SLBC Date of Attended by (Name & Minutes Schedul Re meeting meeting Designation) of the ed date mar no.* -Agenda meeting of ks linked meeting as per calendar RBI Convenor GOI State Bank Govt dd.mm.y dd.mm.yy 1 yyy minutes yy 2 3 4 5 6 7 8 9 10 11 * SLBC meetings held after April 2010Annex 9-E Details of Lead Banks Quarter ended ----- SR Distric District Name Name Designatio Contact Details Re t code of of n ma Name (BSR) Lead LDM rks Bank Tel email Address 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23Annex 9-F Annual Credit Plan-Targets for the year -------- District Name (Amount in thousands) SR Bank Name Ag M Exp Ed Ho Social Rene O Priorit Non- Total ric S ort uca usi Infras wable th y- Prio ult M Cre tion ng tructu Energ er Subto rity ure E dit re y s tal 1 2 3 4 5 6 Commercial Banks-Sub Total 1 2 3 RRBs-Sub Total 1 2 3 Cooperative Banks-Sub Total 1 2 Small Finance Banks-Sub Total 1 2 Wholly Owned Subsidiaries (WOS) of Foreign Banks-Sub- Total All banks- TotalAnnex 9-G Annual Credit Plan - Achievement Quarter ended ----- (Amount in thousands) SR Bank Name Agri MS Ex Edu Hou So Re Oth Pri Non- Total cult ME po cati sing cia ne ers ori Priori ure rt on l wa ty- ty - Cr Inf ble Su edi ras En bto t tru erg tal ctu y re 1 2 3 4 5 6 Commercial Banks-Sub Total 1 2 3 RRBs-Sub Total 1 2 3 Cooperative Banks-Sub Total 1 2 Small Finance Banks-Sub Total 1 2 Wholly Owned Subsidiaries (WOS) of Foreign Banks- Sub Total All banks-TotalAnnex 9-H Credit Deposit Ratio Quarter ended ------- (Amount in thousands) SR District District Deposit Credit CD Ratio Remarks Name code 1 2 3 4 5 6 7 8 9 10 11 12 13 14Annex 9-I Banking Network-Summary Quarter ended ----- SR Bank Name Mode of Banking Services Remarks Other 1 Branch BC Modes Total 2 3 4 5 6 Commercial Banks-Sub Total 1 2 3 RRBs-Sub Total 1 2 3 4 5 Cooperative Banks-Sub Total 1 2 3 Small Finance Banks-Sub Total 1 2 Wholly Owned Subsidiaries (WOS) of Foreign Banks- Sub Total 1 2 Payments Banks-Sub Total All banks-TotalAnnex 9-J Particulars of Banking outlets- Branches Quarter ended ----- S Distri Distr Blo Local Populati Ban Bran Date Conta Ad R R ct ict ck ity/Vil on k ch of ct dr e Nam Cod lage classific Nam Nam openi Detail es m e e(BS ation e e ng s s ar R) (M/U/SU/ k R) s dd.m m.yyy 1 y 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17Annex 9-K Particulars of Banking outlets- BCs Quarter ended ----- S District Blo Local Populat Bank Base Date Na Tel no. Rem R Name ck ity/ ion Name Branch of me of BC arks Villa classifi Name openi of ge cation ng of BC (M/U/S BC U/R) outlet dd.mm 1 .yyyy 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17Annex 9-L Particulars of Banking Services provided through Other Modes Quarter ended ----- S Distri Bloc Loc Populat Bank Specify Date Name Tel no. Rem R ct k ality ion Nam Type of of of of arks Nam / classifi e mode o p e n Contact Contact e Vill cation (Rural ing Official Official age (M/U/S ATM/ U/R) Mobile van/ Other dd.m m.yyy 1 y 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17Annex 9-M SHG bank linkage programme Quarter ended ----- (No. in actuals, Amount in thousands) SR Bank Name Savings linked Credit Linked No. of Amount No. of Amount SHGs outstanding SHGs outstanding 1 2 3 4 5 6 Commercial Banks-Sub Total 1 2 3 RRBs-Sub Total 1 2 3 4 5 Cooperative Banks-Sub Total 1 2 Small Finance Banks-Sub Total 1 2 Wholly Owned Subsidiaries (WOS) of Foreign Banks-Sub Total All banks-TotalAnnex 9-N Database on FLCs Whet her Locati Premis Run on es by (Metro (Bank Spo FL Date Addr Trust Name(s) Con FLC , branch nso C Distr of ess or of FL tact Emai Urban, , LDM r Co ict openi of run Counsell No( l Helplin Semi- office, Ban de* ng FLC direct or(s) s) e urban RSETI, k ly by or Indepe spon rural) ndent) sor bank *Note: FLC Code will be a unique five digit code with the first three digits being the district code (Refer sheet titled District Master) and the last two digits represent the FLC Code to be given by SLBC Convenor banks starting from 01 and running sequentially thereafter for each district (For eg. if there are four FLCs in a district, the FLC code will be in the form xxx01, xxx02, xxx03 and xxx04 where xxx represents the district code as per district master sheet)Annex 9-O Position of RSETI Quarter ended ----- SR District Location Sponsoring Date of Name Contact Details Rema of RSETI Bank opening of rks Contact official 1 Tel email Address 2 3 4 5 6 7 8 9 10 11 12 13 14 15