## Report on RBI Master Circular: Credit Facilities to Scheduled Castes (SCs) / Scheduled Tribes (STs)
**1. Executive Summary:**
This report analyzes the Reserve Bank of India (RBI) Master Circular FIDD.CO.GSSD.BC.No.0209/09.001/2025-26, dated April 01, 2025, concerning credit facilities to Scheduled Castes (SCs) and Scheduled Tribes (STs). This Master Circular consolidates existing RBI guidelines on the subject, aiming to improve credit access for SC/ST communities. Key elements include enhanced planning processes at the district and block levels, specific roles for banks in supporting SC/ST borrowers, and the integration of SC/ST beneficiaries into centrally sponsored schemes. The report highlights the responsibilities of banks, district-level committees, and state-level corporations in facilitating credit flow to these communities.
**2. Introduction:**
This report provides an overview of the RBI Master Circular FIDD.CO.GSSD.BC.No.0209/09.001/2025-26 regarding credit facilities for Scheduled Castes (SCs) and Scheduled Tribes (STs). The report analyzes the policy's objectives, key provisions, target audience, and anticipated outcomes based solely on the information provided in the circular itself.
**3. Policy Overview:**
This is a *Master Circular* which consolidates existing instructions, and not a new policy introduction. The core objective, as inferred from the provided text, is to:
* Enhance the flow of credit to SC/ST communities for self-employment and poverty alleviation.
* Ensure equitable access to financial services for SC/ST individuals and organizations.
* Improve the effectiveness of existing government schemes by promoting SC/ST participation.
**4. Background and Rationale:**
Since this is a Master Circular consolidating existing guidelines, the rationale stems from the need to streamline and reinforce existing directives regarding credit access for SCs and STs. The existing instructions were likely scattered, and consolidating them in a Master Circular is intended to provide clarity and facilitate easier compliance for banks. The circular aims to address potential gaps in credit flow to SC/ST communities by emphasizing proactive measures and targeted interventions by banks and other stakeholders.
**5. Key Provisions / Changes:**
As this is a consolidating Master Circular, it doesn't introduce new rules but compiles the existing ones. The main provisions, based on the provided text, can be summarized as follows:
* **Planning Process:** District Level Consultative Committees should link credit with employment schemes. Credit planning should be weighted in favor of SC/STs, with special bankable schemes.
* **Role of Banks:** Banks are required to assist SC/ST borrowers with loan applications, create awareness of available schemes, and ensure staff compliance with relevant circulars. They should not insist on deposits for government-sponsored schemes and should ensure the timely release of subsidies. Rejection of loan applications under government programs should be done at a higher level (not branch level) with clear justification.
* **Role of SC/ST Development Corporations:** Banks are required to provide institutional support to the National Scheduled Tribes Finance Development Corporation and National Scheduled Castes Finance Development Corporation. Banks should support State Sponsored Organizations that purchase/supply inputs for the marketing of SC/ST beneficiary outputs.
* **Reservations under Centrally Sponsored Schemes:** The Master Circular highlights the reservation or relaxation for SC/ST beneficiaries under schemes like Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) and Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM). Additionally, under the Differential Rate of Interest (DRI) Scheme, a specific percentage (2/5 or 40%) of advances should be targeted towards SC/ST borrowers.
* **Credit Enhancement Guarantee Scheme for Scheduled Castes (CEGSSC):** The circular references CEGSSC as a mechanism for promoting entrepreneurship among SCs, providing guarantee cover to lending institutions.
* **Monitoring and Review:** Banks must establish a special cell for monitoring credit flow to SC/ST beneficiaries. Head offices must periodically review credit extended to SC/STs and report significant variations to the Board. Quarterly reviews are required to assess progress in lending to these communities.
* **SLBC Representation:** Convenor banks for State Level Bankers Committees (SLBCs) must invite representatives from the National Commission for SCs/STs to SLBC meetings, as well as representatives from National and State Scheduled Castes and Scheduled Tribes Finance and Development Corporations.
**6. Target Audience and Stakeholders:**
Based on the provided text, the primary target audience includes:
* All Scheduled Commercial Banks, including Small Finance Banks.
* SC/ST individuals and entrepreneurs seeking credit facilities.
* District Level Consultative Committees.
* District Industries Centres.
* National Scheduled Tribes Finance Development Corporation.
* National Scheduled Castes Finance Development Corporation.
* State Scheduled Caste/Scheduled Tribe Development Corporations
* SLBC Convenor Banks
**7. Implementation Aspects (Inferred):**
* **Responsible Agencies/Bodies:** The RBI is the primary regulatory body responsible for issuing and monitoring the Master Circular. Individual banks, District Level Consultative Committees, and the National and State SC/ST Development Corporations are responsible for implementing the provisions.
* **Timelines/Procedures:** The Master Circular doesn't specify explicit timelines outside the reporting requirements, but implicitly requires banks to proactively engage with SC/ST communities and government agencies to facilitate credit flow. Quarterly reviews are mandated for banks. The Master Circular refers to existing Master Directions on Priority Sector Lending for specific reporting requirements.
**8. Expected Outcomes / Impact of Changes:**
As a consolidating circular, the expected outcome is improved adherence to existing guidelines, leading to:
* Increased access to credit for SC/ST communities.
* Greater participation of SC/STs in government-sponsored schemes.
* Enhanced economic empowerment and poverty alleviation among SC/ST populations.
* Improved monitoring and reporting of credit flow to SC/STs.
**9. Conclusion:**
The RBI Master Circular on credit facilities for SCs and STs consolidates existing guidelines, emphasizing the importance of directed credit towards these communities. The circular mandates specific actions for banks, district-level committees, and other stakeholders to enhance credit flow, promote entrepreneurship, and facilitate participation in government schemes. By streamlining and reinforcing these directives, the RBI aims to achieve greater financial inclusion and economic empowerment for SC/ST populations. The effectiveness of this Master Circular will depend on the diligent implementation by the regulated entities.
Key Entities Referenced
RESERVE BANK OF INDIA: The central bank of India, which issued the circular.
RBI20252603: Reference number of the circular.
FIDD.CO.GSSD.BC.No.0209.09.001202526: Detailed reference number of the circular, potentially including department and subject codes.
April 01, 2025: Date of the circular.
The Chairman Managing Director Chief Executive Officer All Scheduled Commercial Banks including Small Finance Banks: Addressees of the circular.
Master Circular Credit facilities to Scheduled Castes SCs Scheduled Tribes STs: Subject of the circular; consolidation of guidelines on credit facilities for SCs and STs.
SCs: Scheduled Castes, a historically disadvantaged group in India.
STs: Scheduled Tribes, a historically disadvantaged group in India.
R. Giridharan: Chief General Manager at Reserve Bank of India, the signatory of the circular.
Financial Inclusion Development Dept.,Central Office: Department and office within the Reserve Bank of India responsible for the circular.
Central Office Building,Shahid Bhagat Singh Marg,P.B.No.10014,Mumbai1 400001: Address of the Central Office of RBI in Mumbai.
Lead Bank Scheme: A scheme to promote financial inclusion and development at the district level.
District Level Consultative Committees: Committees formed under the Lead Bank Scheme to coordinate between banks and development agencies.
District Industries Centres: Centers set up in different districts for promoting self-employment.
RBINABARD: Refers to circulars issued by Reserve Bank of India and National Bank for Agriculture and Rural Development.
Government sponsored poverty alleviation schemesselfemployment programmes: Government initiatives aimed at reducing poverty and promoting self-employment.
National Scheduled Tribes Finance Development Corporation: A corporation under the Ministry of Tribal Affairs to support Scheduled Tribes.
Ministry of Tribal Affairs: The Government of India ministry responsible for the welfare of Scheduled Tribes.
National Scheduled Castes Finance Development Corporation: A corporation under the Ministry of Social Justice & Empowerment to support Scheduled Castes.
Ministry of Social Justice Empowerment: The Government of India ministry responsible for the welfare of Scheduled Castes and other vulnerable groups.
State Sponsored Organisations for Scheduled Castes Scheduled Tribes: Organizations established by state governments to support Scheduled Castes and Scheduled Tribes.
Government of India: The governing authority of India.
Scheduled CasteScheduled Tribes Development Corporations: State government corporations aimed at economic development of SCs and STs.
Deendayal Antyodaya Yojana National Rural Livelihoods Mission DAYNRLM: A government program focused on rural livelihoods.
NRLM: National Rural Livelihoods Mission.
Swarnajayanti Gram Swarozgar Yojana: The former name of DAY-NRLM.
April 1, 2013: Date when DAY-NRLM was implemented.
RPCD.No.SP.BC.10209.09.012002: RBI Circular Number
Deendayal Antyodaya Yojana National Urban Livelihoods Mission DAYNULM: A government program focused on urban livelihoods.
Ministry of Housing and Urban Affairs MoHUA: The Government of India ministry responsible for housing and urban development.
Swarna Jayanti Shahari Rozgar Yojana SJSRY: The former name of DAY-NULM.
September 24, 2013: Date when DAY-NULM was implemented.
Differential Rate of Interest DRI Scheme: A scheme offering concessional interest rates to weaker sections of the community.
Credit Enhancement Guarantee Scheme for Scheduled Castes CEGSSC: A scheme to promote entrepreneurship among Scheduled Castes by providing credit guarantees.
Ministry of Social Justice Empowerment: The government ministry which launched CEGSSC.
May 6, 2015: Date when CEGSSC was launched.
Member Lending Institutions MLIs: Institutions that extend financial assistance to entrepreneurs under CEGSSC.
IFCI Ltd.: The Nodal Agency for CEGSSC.
National Commission for SCsSTs: National Commission for Scheduled Castes and Scheduled Tribes, a governmental body.
National Scheduled Castes and Scheduled Tribes Finance and Development Corporation NSFDC: A corporation for financing development projects for SCs and STs.
State Scheduled Castes and Scheduled Tribes Finance and Development Corporation SCDC: State level corporations for financing development projects for SCs and STs.
SLBC: State Level Bankers Committee
DBOD.No.BP.BC.172C.464R78: RBI Circular Number
December 12, 1978: Date of RBI Circular
DBOD.No.BP.BC.8C.453KGen: RBI Circular Number
January 09, 1979: Date of RBI Circular
DBOD.No.BP.BC.45C.4698681: RBI Circular Number
April 14, 1981: Date of RBI Circular
DBOD.No.BP.BC.132C.59481: RBI Circular Number
October 22, 1981: Date of RBI Circular
RPCD.No.PS.BC.2C.59482: RBI Circular Number
September 10, 1982: Date of RBI Circular
RPCD.No.PS.BC.9C.59482: RBI Circular Number
November 05, 1982: Date of RBI Circular
RPCD.No.PS.BC.4C. 59483: RBI Circular Number
August 22, 1983: Date of RBI Circular
RPCD.No.PS.BC.20C.568A84: RBI Circular Number
January 24, 1984: Date of RBI Circular
RPCD.No. CONFS.62PB18586: RBI Circular Number
July 24, 1985: Date of RBI Circular
RPCD.No.SP.BC.22C.453U85: RBI Circular Number
October 09, 1985: Date of RBI Circular
RPCD.No.SP.BC.129C.594Spl88: RBI Circular Number
June 28, 1989: Date of RBI Circular
RPCD.No.SP.BC.93C.594.MMS: RBI Circular Number
March 13, 1991: Date of RBI Circular
RPCD.No.SP.BC.122C.453U9091: RBI Circular Number
May 14, 1991: Date of RBI Circular
RPCD.No.SP.BC.118C.453U9293: RBI Circular Number
May 27, 1993: Date of RBI Circular
RPCD.No.LBS.BC.8602.01.019697: RBI Circular Number
December 16, 1996: Date of RBI Circular
RPCD.No.SP.BC.12409.09.019697: RBI Circular Number
April 15, 1997: Date of RBI Circular
RPCD.No.SAA.BC.6708.01.009899: RBI Circular Number
February 11, 1999: Date of RBI Circular
RPCD.No.SP.BC.5109.09.012002: RBI Circular Number
December 04, 2002: Date of RBI Circular
June 23, 2003: Date of RBI Circular
RPCD.SP.BC.No.4909.09.012007: RBI Circular Number
February 19, 2008: Date of RBI Circular
RPCD.GSSD.BC.No.8109.01.03201: RBI Circular Number
June 27, 2013: Date of RBI Circular
RPCD.CO.GSSD.BC.No.2609.16.03: RBI Circular Number
August 14, 2014: Date of RBI Circular
DBR No.BC.9329.67.001201415: RBI Circular Number
May 14, 2015: Date of RBI Circular
भारतीय �रज़वर् बैंक
_________________________ RESERVE BANK OF INDIA___________________________
www.rbi.org.in
RBI/2025-26/03
FIDD.CO.GSSD.BC.No.02/09.09.001/2025-26 April 01, 2025
The Chairman/ Managing Director / Chief Executive Officer
All Scheduled Commercial Banks (including Small Finance Banks)
Madam/ Dear Sir,
Master Circular - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes
(STs)
The Reserve Bank of India has, from time to time, issued a number of
guidelines/instructions to banks on credit facilities to Scheduled Castes (SCs) & Scheduled
Tribes (STs). The enclosed Master Circular consolidates the circulars issued by Reserve
Bank on the subject till date, as listed in the Appendix.
Yours faithfully,
(R. Giridharan)
Chief General Manager
िवत्त ीय समावेशन और िवकास िवभाग, के �ीय कायार्लय,10 वी मंिजल, कें द्रीय कायार्लय भवन, शहीद भगतिसंह मागर्,पो� बॉ� सं.
10014,मुंबई -400001
Financial Inclusion & Development Dept.,Central Office,10th Floor, Central Office Building,Shahid Bhagat Singh
Marg,P.B.No.10014,Mumbai-1
टेली Tel:022-22601000 फै �ः 91-22-22621011/22610943/22610948 ई -मेल : cgmincfidd@rbi.org.in
िहंदी आसान है,इसका प्रयोग बढ़ाइए।
“चेतावनी : मेल �रज़वर् बैंक द्वारा-डाक, एसएमएस या फोन कॉल के ज�रए िकसी की भी व्य ��गत जानकारी जैसे बैंक के खाते
का ब् यौरा, पासवडर् आिद नही ंमांगी जाती है। यह धन रखने या देने का प्रस् ताव भी नही ंकरता है। ऐसे प्रस् तावो ंका िकसी भी तरीके
से जवाब मत दीिजए।"
Caution: RBI never sends mails, SMSs or makes calls asking for personal information like bank account details,
passwords, etc. It never keeps or offers funds to anyone. Please do not respond in any manner to such offers.
1Master Circular - Credit Facilities to Scheduled Castes (SCs) & Scheduled Tribes
(STs)
Banks should take the measures indicated below to step up their advances to
SCs/STs.
1. Planning Process
1.1 The District Level Consultative Committees formed under the Lead Bank Scheme
should continue to be the principal mechanism of co-ordination between banks and
development agencies in this regard. The district credit plans formulated by the Lead
Banks should clearly indicate the linkage of credit with employment and development
schemes.
1.2 Banks will have to establish closer liaison with the District Industries Centres,
which have been set up in different districts for promoting self-employment.
1.3 At the block level, a certain weightage is to be given to SCs/STs in the planning
process. Accordingly, the credit planning should be weighted in their favour and
special bankable schemes suited to them should be drawn up to ensure their
participation and larger flow of credit to them for self-employment. It will be necessary
for the banks to consider their loan proposals with utmost sympathy and
understanding.
1.4 Banks should periodically review their lending procedures and policies to see that
loans are sanctioned in time, are adequate and production-oriented and that they
generate incremental income to make them self-liquidating.
1.5 While formulating the Block/ District Credit Plan, special focus may be given to
villages with sizeable population of SC/ST communities/ specific localities (bastis) in
the towns/villages having a concentration of these communities.
22. Role of Banks
2.1 Bank staff may help the borrowers in filling up the forms and completing other
formalities so that they are able to get credit facility within a stipulated period from the
date of receipt of applications.
2.2 In order to encourage SC/ST borrowers to take advantage of credit facilities,
greater awareness among them about various schemes formulated by banks needs
to be created through various means such as brochures, visits by field staff etc so that
salient features of the schemes, as also the advantages that will accrue to them are
known to such borrowers. Banks should advise their branches to organize meetings
more frequently exclusively for SC/ST beneficiaries to understand their credit needs
and to incorporate the same in the credit plan.
2.3 Circulars issued by RBI/NABARD should be circulated among the staff for
compliance.
2.4 Banks should not insist on deposits while considering loan applications under
Government sponsored poverty alleviation schemes/self-employment programmes
from borrowers belonging to SCs/STs. It should also be ensured that applicable
subsidy is not held back while releasing the loan component till the full repayment of
bank dues. Non-release of subsidy upfront amounts to under-financing and hampers
asset creation/income generation.
2.5 The National Scheduled Tribes Finance & Development Corporation and National
Scheduled Castes Finance & Development Corporation have been set up under the
administrative control of Ministry of Tribal Affairs and Ministry of Social Justice &
Empowerment, respectively. Banks should advise their branches/controlling offices to
render all the necessary institutional support to enable these institutions to achieve
the desired objectives.
2.6. Loans sanctioned to State Sponsored Organisations for Scheduled Castes/
Scheduled Tribes for the specific purpose of purchase and supply of inputs and/or the
marketing of the outputs of the beneficiaries of these organisations are eligible for
priority sector classification.
32.7 Rejection of SC/STs’ loan applications under government programmes should be
done at the next higher level instead of at the branch level and reasons of rejection
should be clearly indicated.
3. Role of SC/ST Development Corporations
The Government of India has advised all State Governments that the Scheduled
Caste/Scheduled Tribes Development Corporations can consider bankable
schemes/proposals for bank finance.
4. Reservations for SC/ST beneficiaries under major Centrally Sponsored
Schemes.
There are several major centrally sponsored schemes under which credit is provided
by banks and subsidy is received through Government Agencies. Credit flow under
these schemes is monitored by RBI. Under each of these, there is a significant
reservation/relaxation for the members of the SC/ST communities.
4.1 Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM)
DAY-NRLM (previously known as NRLM) was launched by the Ministry of Rural
Development, Government of India by restructuring the erstwhile Swarnajayanti Gram
Swarozgar Yojana, effective from April 1, 2013. DAY-NRLM would ensure adequate
coverage of vulnerable sections of the society such that 50% of these beneficiaries
are SCs/STs. Details of the scheme are available in the Master Circular on DAY-NRLM
as updated from time to time.
4.2 Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM)
The Ministry of Housing and Urban Affairs (MoHUA), Government of India, launched
the DAY-NULM (previously known as NULM) by restructuring the erstwhile Swarna
Jayanti Shahari Rozgar Yojana (SJSRY), effective from September 24, 2013. Under
DAY-NULM, advances should be extended to SCs/STs to the extent of their strength
in the local population. Details of the scheme are available in the Master Circular on
DAY-NULM as updated from time to time.
4.3 Differential Rate of Interest (DRI) Scheme
Under the DRI Scheme, banks provide finance up to ₹15,000/- at a concessional rate
of interest of 4 per cent per annum to the weaker sections of the community for
4engaging in productive and gainful activities. In order to ensure that persons belonging
to SCs/STs also derive adequate benefit under the DRI Scheme, banks have been
advised to grant eligible borrowers belonging to SCs/STs such advances to the extent
of not less than 2/5th (40 percent) of total DRI advances. Further, the eligibility criteria
under DRI, viz. size of land holding should not exceed 1 acre of irrigated land and 2.5
acres of unirrigated land, are not applicable to SCs/STs. Members of SCs/STs
satisfying the income criteria of the scheme can also avail of housing loan up to
₹20,000/- per beneficiary over and above the individual loan of ₹15,000/- available
under the scheme.
5. Credit Enhancement Guarantee Scheme for Scheduled Castes (CEGSSC)
The CEGSSC was launched by Ministry of Social Justice & Empowerment on May 6,
2015 with the objective of promoting entrepreneurship amongst the Scheduled Castes
(SCs), by providing credit enhancement guarantee to Member Lending Institutions
(MLIs), which extend financial assistance to these entrepreneurs. IFCI Ltd. has been
designated as the Nodal Agency under the scheme, to issue the guarantee cover in
favour of MLIs for financing SC entrepreneurs.
Individual SC entrepreneurs/Registered Companies and Societies/Registered
Partnership Firms/Sole Proprietorship firms having more than 51% shareholding and
management control for the previous 6 months by SC entrepreneurs/ promoters/
members are eligible for guarantee from IFCI Ltd. against the loans extended by MLIs.
The amount of guarantee cover under CEGSSC ranges from a minimum of ₹0.15 cr
to a maximum of ₹5.00 cr.
The tenure of guarantee is up to a maximum of 7 years or repayment period, whichever
is earlier.
6. Monitoring and Review
6.1 A special cell should be set up at the Head Office of banks for monitoring the flow
of credit to SC/ST beneficiaries. Apart from ensuring the implementation of the RBI
guidelines, the cell would also be responsible for collection of relevant information/data
from the branches, consolidation thereof and submission of the requisite returns to
RBI and Government.
56.2 The Head Office of banks should periodically review the credit extended to
SCs/STs on the basis of returns and other data received from the branches. Any major
gap or variation in credit flow to SCs/STs on a year to year basis should be reported
to the Board as part of the review on the theme of “Financial Inclusion” in terms of
circular DBR No.BC.93/29.67.001/2014-15 dated May 14, 2015.
6.3 Banks should review the measures taken to enhance the flow of credit to SC/ST
borrowers on a quarterly basis. The review should also consider the progress made
in lending to these communities directly or through the State Level Scheduled
Caste/Scheduled Tribe Corporations for various purposes based, amongst others, on
field visits of the senior officers from the Head Office/Controlling Offices.
6.4 SLBC Convenor bank should invite the representative of National Commission for
SCs/STs to attend SLBC meetings. Besides, the Convenor bank may also invite
representatives from the National Scheduled Castes and Scheduled Tribes Finance
and Development Corporation (NSFDC) and State Scheduled Castes and Scheduled
Tribes Finance and Development Corporation (SCDC) to attend SLBC meetings.
7. Reporting Requirements
Data on advances to SCs and STs should be reported as prescribed in the Master
Direction on Priority Sector Lending as updated from time to time, within the time
frames stipulated.
6Appendix
Credit Facilities to Scheduled Castes / Scheduled Tribes
List of Circulars Consolidated in the Master Circular
No. Circular No. Date Subject
1. DBOD.No.BP.BC.172/C.464(R)-78 December 12, Role of Banks in Promoting
1978 Employment
2. DBOD.No.BP.BC.8/C.453(K)-Gen January 09, 1979 Agricultural Credit to Small and
Marginal Farmers
3. DBOD.No.BP.BC.45/C.469(86)-81 April 14, 1981 Credit Facilities to SC / ST
4. DBOD.No.BP.BC.132/C.594-81 October 22, 1981 Recommendations of the Working
Group on the Development of
Scheduled Castes
5. RPCD.No.PS.BC.2/C.594-82 September 10, Credit Facilities to SC / ST
1982
6. RPCD.No.PS.BC.9/C.594-82 November 05, Concessional Bank Finance to SC / ST
1982 Development Corporations
7. RPCD.No.PS.BC.4/C. 594-83 August 22, 1983 Credit Facilities to SC / ST
8. RPCD.No.PS.BC.20/C.568(A)-84 January 24, 1984 Credit Facilities to SC / ST - Rejection
of Loan Applications
9. RPCD.No. CONFS.62/PB-1-85/86 July 24, 1985 Role of Private Sector Banks in
Lending to SCs / STs
10. RPCD.No.SP.BC.22/C.453(U)-85 October 09, 1985 Credit Facilities to Scheduled Tribes
under DRI Scheme
11. RPCD.No.SP.BC.129/C.594(Spl)/88- June 28, 1989 National SC / ST Finance and
89 Development Corporation
12. RPCD.No.SP.BC.93/C.594.MMS- March 13, 1991 Scheduled Caste Development
90/91 Corporation (SCDCs) - Instructions on
Unit Cost
13. RPCD.No.SP.BC.122/C.453(U)-90-91 May 14, 1991 Housing Finance to SCs / STs -
Inclusion under the DRI
14. RPCD.No.SP.BC.118/C.453(U)-92/93 May 27, 1993 Priority Sector Advances - Housing
Finance
15. RPCD.No.LBS.BC.86/02.01.01/96-97 December 16, Inclusion of National Commission for
1996 SCs / STs in State Level Bankers
Committees (SLBCs)
716. RPCD.No.SP.BC.124/09.09.01/96-97 April 15, 1997 Parliamentary Committee on the
Welfare of SCs / STs - Insisting on
Deposits from SCs/ STs by Banks
17. RPCD.No.SAA.BC.67/08.01.00/98-99 February 11, Credit Facilities to SCs / STs
1999
18. RPCD.No.SP.BC.51/09.09.01/2002- December 04, Proceedings of the work shop on the
03 2002 role of financial institutions in the
development of SCs and STs
19. RPCD.No.SP.BC.102/09.09.01/2002- June 23, 2003 Sample study for review of credit flow
03 to SCs and STs - Major Findings
20. RPCD.SP.BC.No.49/09.09.01/2007- February 19, Credit facilities to SC/ STs – Revised
08 2008 Annexure
21. RPCD.GSSD.BC.No.81/09.01.03/201 June 27, 2013 Restructuring of SGSY as National
2-13 Rural Livelihood Mission (NRLM)
22. RPCD.CO.GSSD.BC.No.26/09.16.03/ August 14, 2014 Restructuring of Swarna Jayanti
2014-15 Shahari Rozgar Yojana (SJSRY) as
National Urban Livelihood Mission
8