Master Circular – Lead Bank Scheme

RBI/2020-21/05 FIDD.CO.LBS.BC.No.1/02.01.001/2020-21 July 01, 2020 The Chairmen/ Managing Directors/ Chief Executive Officers SLBC/ UTLBC Convenor Banks / Lead Banks Madam/ Dear Sir, MASTER CIRCULAR – Lead Bank Scheme The Reserve Bank of India has issued a number of guidelines/instructions on Lead Bank Scheme from time to time. This Master Circular consolidates the relevant guidelines/ instructions issued by Reserve Bank of India on Lead Bank Scheme up to June 30, 2020 as listed in the Appendix. 2. This Master Circular has been placed on the RBI website https://www.rbi.org.in Yours faithfully, (Gautam Prasad Borah) Chief General Manager-in-Charge Encl.: As above िवत् तीय समावेशन और िवकास िवभाग, केन्�ीय कायार्लय,10 वी मंिजल, क��ीय कायार्लय भवन, शहीद भगत�सह माग,र्पोस्ट बॉक्स स.ं 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 फैक्सः 91-22-22621011/22610943/22610948 ई-मेल : cgmincfidd@rbi.org.in �हदी आसान ह,ै इसका �योग बढ़ाइए। “चेतावनी: �रज़वर् ब�क�ारा मेल-डाक, एसएमएस या फोन कॉल के ज�रए �कसी क� भी व् यि�गत जानकारी जैसे ब�क के खाते का ब् यौरा, पासवड र्आ�द नह� मांगी जाती ह।ै यह धन रखने या दने े का �स्त ाव भी नह� करता ह।ै ऐसे �स् ताव� 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.2 Structure 1 Introduction 2 Fora under Lead Bank Scheme 2.1 Block Level Bankers’ Committee 2.2 District Consultative Committee (DCC) 2.2.1 Constitution of DCC 2.2.2 Conduct of DCC Meetings 2.2.3 Agenda for DCC Meetings 2.2.4 Role of LDMs 2.2.5 Quarterly Public Meeting and Grievance Redressal 2.2.6 District Level Review Committee (DLRC) Meetings 2.2.7 DCC/DLRC meetings – Annual Calendar of Meetings 2.3 State Level Bankers’ Committee (SLBC) 2.3.1 Constitution of SLBC 2.3.2 Conduct of SLBC Meetings 2.3.3 Revised Agenda for SLBC Meetings 2.3.4 SLBC – Yearly Calendar of Meetings 2.3.5 SLBC Website – Standardization of information/data 2.3.6 Liaison with State Government 2.3.7 Capacity Building/Training/Sensitization Programmes 3 Implementation of Lead Bank Scheme 3.1 Preparation of credit plans 3.2 Potential Linked Credit Plans (PLPs) 3.3 Monitoring the performance of credit plans 3.4 Revised mechanism of Data Flow for LBS fora meetings 4 Assignment of Lead Bank Responsibility 5 Banking Penetration 5.1 Roadmap for provision of banking services in unbanked villages Roadmap for opening brick and mortar branches in villages with 5.2 population more than 5000 without a bank branch of a scheduled commercial bank Aligning roadmap for unbanked villages having population more than 5.3 5000 with revised guidelines on Branch Authorisation Policy National Strategy for Financial Inclusion (NSFI): 2019-2024 – 5.4 Universal Access to Financial Services 6 Credit Deposit Ratio 6.1 CD Ratio of banks in Rural and Semi-Urban Areas 6.2 Implementation of the recommendations of Expert Group on CD Ratio 7 Direct Benefit Transfer 8 Service Area Approach (SAA) 8.1 Dispensing with ‘No Due Certificate’3 9 Doubling of Farmers’ Income by 2022 10 Expanding and Deepening of Digital Payments Ecosystem 11 References of Directions/Circulars relevant to Lead Bank Scheme4 Introduction (i) The genesis of the Lead Bank Scheme (LBS) can be traced to the Study Group headed by Prof. D. R. Gadgil (Gadgil Study Group) on the Organizational Framework for the Implementation of the Social Objectives, which submitted its report in October 1969. The Study Group drew attention to the fact that commercial banks did not have adequate presence in rural areas and also lacked the required rural orientation. The Study Group, therefore, recommended the adoption of an 'Area Approach' to evolve plans and programmes for the development of an adequate banking and credit structure in the rural areas. (ii) A Committee of Bankers on Branch Expansion Programme of Public Sector Banks appointed by the Reserve Bank of India under the Chairmanship of Shri F. K. F. Nariman (Nariman Committee) endorsed the idea of an ‘Area Approach’ in its report (November 1969), recommending that in order to enable the Public Sector Banks to discharge their social responsibilities, each bank should concentrate on certain districts where it should act as a 'Lead Bank'. (iii) Pursuant to the above recommendations, the Lead Bank Scheme was introduced by the Reserve Bank of India in December 1969.The Scheme aims at coordinating the activities of banks and other developmental agencies through various fora in order to achieve the objective of enhancing the flow of bank finance to the priority sector and other sectors and to promote banks' role in the overall development of the rural sector. For coordinating the activities in the district, a particular bank is assigned ‘Lead Bank’ responsibility of the district. The Lead Bank is expected to assume a leadership role for coordinating the efforts of the credit institutions and the Government. (iv) In view of the several changes that had taken place in the financial sector, the Lead Bank Scheme was last reviewed by the High Level Committee headed by Smt. Usha Thorat, the then Deputy Governor of the Reserve Bank of India in 2009. (v) The High Level Committee held wide ranging discussions with various stakeholders viz. State Governments, banks, development institutions, academicians, NGOs, MFIs etc. and noted that the Scheme has been useful in achieving its original objectives of improvement in branch expansion, deposit mobilisation and lending to the priority sector, especially in rural/semi urban areas.5 There was overwhelming consensus that the Scheme needs to continue. Based on the recommendations of the Committee, the guidelines were issued to SLBC Convenor banks and Lead Banks for implementation. (vi) Envisaging greater role for private sector banks, Lead Banks were advised to ensure that private sector banks are more closely involved in the implementation of the Lead Bank Scheme. Private sector banks should involve themselves more actively by leveraging on Information Technology bringing in their expertise in strategic planning. They should also involve themselves in the preparation as well as implementation of the District Credit Plan. (vii) In view of the changes that have taken place in the financial sector over the years, the Reserve Bank of India had constituted a “Committee of Executive Directors” of the Bank to study the efficacy of the Scheme and suggest measures for its improvement. Based on the Committee’s recommendations and feedback received from various stakeholders, certain ‘action points’ were issued to SLBC Convenors/Lead Banks and NABARD on April 6, 2018. 2. Fora under Lead Bank Scheme 2.1 Block Level Bankers’ Committee (BLBC) Block Level Bankers’ Committee (BLBC) is a forum for achieving coordination between credit institutions and field level development agencies at the block level. The forum prepares and reviews the implementation of the Block Credit Plan and also resolves operational problems in the implementation of the credit programmes of banks. The Lead District Manager (LDM) of the district is the Chairman of the Block Level Bankers’ Committee. All the banks operating in the block including the Small Finance Banks, Wholly Owned Subsidiaries (WOS) of Foreign Banks, RRBs, the District Central Co-operative Banks, Block Development Officer, technical officers in the block, such as extension officers for agriculture, industries and co- operatives are members of the Committee. BLBC meetings are held at quarterly intervals. To strengthen the BLBC forum which operates at the base level of the Lead Bank Scheme, it is necessary that all branch managers attend BLBC meetings and enrich the discussions with their valuable inputs. Controlling Heads of banks6 may also attend a few of the BLBC meetings selectively. Participation by the District Development Manager (DDM) of NABARD in BLBCs would ensure better and more meaningful discussions for the development of the Block. Therefore, NABARD has been advised that DDMs should attend all Block Level Bankers’ Committee meetings in their district and actively participate in the credit planning exercise and review meetings at the block level. The Lead District Officer (LDO) of the Reserve Bank of India (RBI) selectively attends the BLBC meetings. The representatives of Panchayat Samitis are also invited to attend the meetings at half yearly intervals so as to share their knowledge and experience on rural development in the credit planning exercise. Payments Banks should also be invited to attend the meetings. 2.2 District Consultative Committee (DCC) 2.2.1 Constitution of DCC The District Consultative Committees were constituted in the early seventies as a common forum at the district level for bankers as well as Government agencies/departments to facilitate coordination in implementing various developmental activities under the Lead Bank Scheme. The District Collector is the Chairman of the DCC meetings. Reserve Bank of India, NABARD, all the commercial banks including Small Finance Banks Wholly Owned Subsidiaries (WOS) of Foreign Banks, RRBs, Payments Banks, co-operative banks including the District Central Cooperative Bank (DCCB), various State Government departments and allied agencies are the members of the DCC. The Lead District Officer (LDO) represents the Reserve Bank as a member of the DCC. The Lead District Manager (LDM) convenes the DCC meetings. The Director of Micro, Small and Medium Enterprises Development Institute (MSME-DI) in the district is an invitee in districts where MSME clusters are located to discuss issues concerning MSMEs. 2.2.2 Conduct of DCC Meetings i) DCC meetings should be convened by the Lead Banks at quarterly intervals. ii) At the DCC level, sub-committees as appropriate, may be set up to work intensively on specific issues and submit reports to the DCC for its consideration.7 iii) DCC should give adequate feedback to the SLBC on various issues that need to be discussed on a wider platform, so that these receive adequate attention at the State Level. 2.2.3 Agenda for DCC Meetings While Lead Banks are expected to address the problems particular to the concerned districts, some of the important areas which are common to all districts which the lead banks should invariably discuss in the fora are as under: i) Review of progress under financial inclusion plan (FIP). ii) The specific issues inhibiting and enabling IT enabled financial inclusion iii) Issues to facilitate 'enablers' and remove/minimise 'impeders' for banking development for inclusive growth iv) Monitoring initiatives for providing 'Credit Plus' activities by banks and State Governments such as setting up of Financial Literacy Centres (FLCs) and RSETI# type Training Institutes for providing skills and capacity building to manage businesses. v) Scaling up financial literacy efforts to achieve financial inclusion. vi) Review of performance of banks under District Credit Plan (DCP) vii) Flow of credit to priority sector and weaker sections of the society viii) Doubling of Farmers’ Income by 2022 ix) Assistance under Government sponsored schemes x) Grant of educational loans xi) Progress under SHG - bank linkage xii) SME financing & bottlenecks thereof, if any xiii) Timely submission of data by banks xiv) Review of relief measures (in case of natural calamities wherever applicable) The above list is illustrative and not exhaustive. The lead banks may include any other agenda item considered necessary. # Rural Self Employment Training Institutes (RSETIs) should be more actively involved and monitored at various fora of LBS particularly at the DCC level. Focus should be on development of skills to enhance the credit absorption capacity in the area and renewing the training programmes towards sustainable micro enterprises. RSETIs should design specific programmes for each district/ block, keeping in view8 the skill mapping and the potential of the region for necessary skill training and skill up gradation of the rural youth in the district. 2.2.4 Role of LDMs As the effectiveness of the Lead Bank Scheme depends on the dynamism of the District Collectors and the Lead District Managers (LDMs), with supportive role of the Regional/Zonal Office, the office of LDM should be sufficiently strengthened with appropriate infrastructural support being the focal point for the successful implementation of the Lead Bank Scheme. Apart from the provision of a separate office space, technical infrastructure like computers, printer, data connectivity, etc. which are basic necessities for LDMs to discharge their core responsibilities may be provided to LDMs’ Office without exception. Officers of appropriate level, attitude and possessing requisite leadership skills should be posted as LDMs. Additionally, it is suggested that a dedicated vehicle may be provided to LDMs’ to facilitate closer liaison with the bank officials, district administration officials as also to organise/ attend various financial literacy initiatives and meetings. The absence of a specialist officer/assistant for data entry/analysis is a common and major issue faced by LDMs. Liberty to hire the services of skilled computer operator may be given to the LDMs to overcome the shortage of staff/ in case appropriate staff is not posted at LDM office. Further, for successful functioning of the Lead Bank Scheme, we expect Lead Banks to go the extra mile to provide facilities over and above the bare minimum to these critical field functionaries. Apart from the usual role of LDMs like convening meetings of the DCC/DLRC and periodical meetings of DDM/LDO/ Government officials for resolving outstanding issues etc., the new functions envisaged for LDMs include the following: i) Monitoring the implementation of the District Credit Plan ii) Associate with the setting up of Financial Literacy Centres (FLCs), RSETIs by banks iii) Associate with organizing financial literacy camps by FLCs and rural branches of banks. iv) Holding annual sensitisation workshops for banks and Government officials with participation by NGOs/Panchayati Raj Institutions (PRIs)9 v) Arranging for quarterly awareness and feedback public meetings, grievance redressal etc. 2.2.5 Quarterly Public Meeting and Grievance Redressal The Lead District Manager should convene a quarterly public meeting at various locations in the district in coordination with the LDO of Reserve Bank, banks having presence in the area and other stakeholders to generate awareness of the various banking policies and regulations relating to the common person, obtain feedback from the public and provide grievance redressal to the extent possible at such meetings or facilitate approaching the appropriate machinery for such redressal. 2.2.6 District Level Review Committee (DLRC) Meetings DLRC meetings are Chaired by the District Collector and attended by members of the District Consultative Committee (DCC). Public Representatives i.e. Local MPs/MLAs/ Zilla Parishad Chiefs are also invited to these meetings. The DLRC meetings should be convened by the Lead Banks at least once in a quarter. The DLRC is a forum to review the pace and quality of the implementation of various programmes under the Lead Bank Scheme in the district. Hence, association of non- officials is considered useful. Lead Banks are required to ensure the presence of public representatives in DLRC meetings as far as possible. Therefore, Lead Banks should fix the date of DLRC meetings with due regard to the convenience of the representatives of the public i.e. MPs/MLAs etc. and invite and involve them in all functions conducted by the banks in the districts, such as opening of new banking outlets, distribution of Kisan Credit Cards, SHG credit linkage programmes, etc. Responses to queries from public representatives need to be accorded highest priority and attended to promptly. The follow up of the DLRC’s decisions is required to be discussed in the DCC meetings. 2.2.7 DCC/DLRC meetings- Annual Calendar of Meetings i) DCC and DLRC are the important fora facilitating coordination among commercial banks, Government agencies and others at the district level to review and find solutions to the problems hindering developmental activities. Therefore, it is necessary that all the members participate and deliberate in these meetings. On a review of the DCC/DLRC meetings, it was observed that late receipt/non-receipt of intimation of the date of meetings, clash of dates with other events, commonality of10 dates etc., hinder participation of members in these meetings, thus undermining the prime objective of conducting the above meetings. ii) Lead Banks have, therefore, been advised to prepare an Annual Schedule of DCC and DLRC meetings on Calendar year basis for all districts in consultation with the Chairperson of the meetings, Lead District Officer of the RBI and Public Representatives in case of DLRC. This yearly Calendar should be prepared in the beginning of each year and circulated to all members as advance intimation for blocking future dates to attend the DCC and DLRC meetings and the meetings should be conducted as per the calendar. While preparing the Calendar, it should be ensured that DCC and DLRC meetings are not held simultaneously. 2.3 State Level Bankers’ Committee (SLBC) 2.3.1 Constitution of SLBC i) The State Level Bankers’ Committee (SLBC) was constituted in April 1977, as an apex inter-institutional forum to create adequate coordination machinery in all States, on a uniform basis for development of the State. SLBC is chaired by the Chairman/ Managing Director/ Executive Director of the Convenor Bank. It comprises representatives of commercial banks including Small Finance Banks, Wholly Owned Subsidiaries (WOS) of Foreign Banks, RRBs, Payments Banks, State Cooperative Banks, RBI, NABARD, heads of Government departments including representatives from National Commission for Scheduled Castes/Tribes, National Horticulture Board, Khadi & Village Industries Commission etc. and representatives of financial institutions operating in a State, who come together and sort out coordination problems at the policy implementation level. Representatives of various organizations from different sectors of the economy like industry bodies, retail traders, exporters, farmers’ unions, etc. are special invitees in the SLBC meetings for discussing their specific problems, if any. SLBC meetings are held on quarterly basis. The responsibility for convening the SLBC meetings would be of the SLBC Convenor Bank of the State. ii) Recognising that SLBCs, primarily as a committee of bankers at the State level, play an important role in the development of the State, illustrative guidelines on the conduct of State Level Bankers’ Committee meetings have been issued.11 2.3.2 Conduct of SLBC Meetings i) SLBC meetings are required to be held regularly at quarterly intervals. The meetings are chaired by the Chairman/ Managing Director/ Executive Director of the Convenor Bank and co-chaired by the Additional Chief Secretary or Development Commissioner of the State concerned. In cases where the Managing Director/Chief Executive Officer/Executive Director of the SLBC Convenor Bank is unable to attend SLBC Meetings, the Regional Director of the RBI shall co-chair the meetings along with the Additional Chief Secretary/Development Commissioner of the State concerned. A High Level of participation in SLBC/UTLBC meetings ensures an effective and desired outcome with meaningful discussion on issues of public policy of both the Government of India and the Reserve Bank of India. ii) The Chief Minister/Finance Minister and senior level officers of the State/RBI (of the rank of Deputy Governor / Executive Director) may be invited to attend the SLBC meetings. Further, the State Chief Ministers are encouraged to attend at least one SLBC meeting in a year. iii) State Level Bankers’ Committee meetings should primarily focus on policy issues with participation of only the senior functionaries of the banks/ Government Departments. All routine issues may be delegated to sub-committee(s) of the SLBC. A Steering Sub-committee may be constituted in the SLBC to deliberate on agenda proposals from different stakeholders and finalise a compact agenda for the SLBC meetings. Typically, the Sub-Committee could consist of SLBC Convenor, RBI & NABARD representatives & senior State Government representative from the concerned department, e.g. Finance/ Institutional Finance and two to three banks having major presence. iv) Other issue-specific sub-committees may be constituted as required. The sub committees may examine the specific issues relating to agriculture, micro, small/medium industries/enterprises, handloom finance, export promotion and financial inclusion, etc. in-depth and devise solutions/recommendations for adoption by the full committee. They are expected to meet more frequently than the SLBC. The composition of the sub-committees and subjects/ specific issues impeding/enabling financial inclusion to be deliberated upon, may vary from State to State depending on the specific problems/issues faced by the States.12 v) The secretariat/offices of the SLBC should be sufficiently strengthened to enable the SLBC Convenor Bank to effectively discharge its functions. vi) The various fora at lower levels may give adequate feedback to the SLBC on issues that need to be discussed on a wider platform. vii) Several institutions and academicians are engaged in research, studies etc. that have implications for sustainable development in agriculture and MSME sector. Engaging with such research institutions and academicians would be useful in bringing in new ideas for furthering the objectives of the Lead Bank Scheme. The SLBCs may, therefore, identify such academicians and researchers and invite them as 'special invitees' to attend SLBC meetings occasionally both for adding value to the discussions and also associate them with studies appropriate to the State. Other 'special invitees' may be invited to attend SLBC meetings depending on the agenda items/issues to be discussed in the meetings. viii) The activities of NGOs in facilitating and channelling credit to the low income households are expected to increase in the coming years. Several corporate houses are also engaged in corporate social responsibility activities for sustainable development. A linkage with such NGOs/Corporate houses operating in the area to ensure that the NGOs/corporates provide the necessary 'credit plus' services can help leverage bank credit for inclusive growth. Success stories could be presented in SLBC meetings to serve as models that could be replicated. 2.3.3 Revised Agenda for SLBC Meetings 1. Review of financial inclusion initiatives, expansion of banking network and Financial Literacy a. Status of opening of banking outlets in unbanked villages, CBS-enabled banking outlets at the unbanked rural centres (URCs) b. Review of Operations of Business Correspondents – hurdles/issues involved c. Progress in increasing digital modes of payment in the State, provision of continuous connectivity with sufficient bandwidth, resolving connectivity issues/ connectivity options (Bharat Net, VSAT, etc.), installation of ATMs and13 PoS machines and status of implementation of e-receipts and e-payments in the State d. Status of rollout of Direct Benefit Transfer in the State, Aadhaar seeding and authentication e. Review of inclusion of Financial Education in the School Curriculum, financial literacy initiatives by banks (particularly digital financial literacy) f. Creating awareness about various schemes, subsidies, facilities e.g. crop insurance, renewable energy g. Review of efforts towards end to end projects involving all stakeholders in the supply chain 2. Review of credit disbursement by banks a. Achievement under ACP of the State, Priority Sector Lending b. Discussion on lending towards government sponsored schemes (DAY-NRLM, DAY-NULM, MUDRA, Stand-Up India, PMEGP, etc.) and impact of these schemes c. Flow of credit to MSMEs and for affordable housing d. KCC loan, crop insurance under PMFBY e. Grant of Education Loans f. Progress under SHG-bank linkage 3. Doubling of Farmers’ Income by 2022 4. CD Ratio, Review of Districts with CD Ratio below 40% and working of Special Sub-Committees of the DCC (SSC). 5. Position of NPAs in respect of schematic lending, Certificate Cases and Recovery of NPAs 6. Review of restructuring of loans in natural calamity affected districts in the State, if any 7. Discussion on policy initiatives of the Central/State Government/RBI (Industrial Policy, MSME Policy, Agriculture Policy, Start-Up Policy, etc.), and expected involvement of banks14 8. Discussion on improving rural infrastructure/ credit absorption capacity a. Any large project conceived by the State Government to help improve C-D Ratio. b. Explore the scope of state-specific potential growth areas and the way forward – choosing partner banks. c. Discussion on findings of region-focused studies, if any, and implementing the suggested solutions d. Identification of gaps in rural and agriculture infrastructure which need financing (rural godowns, solar power, agro processing, horticulture, allied activities, agri-marketing etc.) e. Implementation of Model Land Leasing Act 2016 (exploring possibility) 9. Efforts towards skill development on mission mode partnering with Krishi Vigyan Kendra (KVK), Horticulture Mission, National Skill Development Corporation, Agriculture Skill Council of India (ASCI), etc. including a review of functioning of RSETIs 10. Steps taken for improving land record, progress in digitization of land records and seamless loan disbursements. 11. Sharing of success stories and new initiatives at the district level that can be replicated in other districts or across the State 12. Discussion on Market Intelligence Issues e.g. a. Ponzi Schemes/ Illegal Activities of Unincorporated Bodies/ Firms/ Companies Soliciting Deposits from the Public b. Banking Related Cyber Frauds, phishing, etc. c. Instances of usurious activities by lending entities in the area, cases of over indebtedness d. Credit related frauds by borrower groups, etc. 13. Issues remaining unresolved at DCC/DLRC meeting 14. Timely submission of data by banks, adhering to the schedule of SLBC meeting 15. Any other item, with the permission of the Chair15 The above list is illustrative and not exhaustive. SLBC Convenor Banks may include any other agenda item considered necessary. 2.3.4 SLBC - Yearly Calendar of Meetings i) To improve the effectiveness and streamline the functioning of SLBC/UTLBC meetings, SLBC Convenor Banks have been advised to prepare a yearly calendar of programmes (calendar year basis) in the beginning of the year itself, for conducting the meetings. The calendar of programmes should clearly specify the cut off dates for data submission to SLBC and acceptance thereof by the SLBC Convenor. This yearly calendar should be circulated to all the concerned as an advance intimation for blocking of future dates of senior functionaries of various agencies like Central Government, State Governments, banks, RBI, etc. The SLBC/UTLBC meetings should be conducted as per the calendar under all circumstances. The agenda should also be circulated in advance without waiting for the data from defaulting banks. The matter should, however, be taken up with the defaulting banks in the SLBC meeting. In addition, the SLBC Convenor Bank should write a letter in this regard to the controlling office of the defaulting banks under advice to the Regional Office of RBI. The SLBC Convenor Bank will, however, continue to follow-up with banks for timely data submission. Further, in case the Chief Minister, Finance Minister or other very senior functionaries are not able to attend the SLBC on some very rare occasion, then if so desired by them, a special SLBC meeting can be held. Following broad guidelines should be used for preparation of the calendar of programmes: Activity To be completed by (Date) Preparation of calendar of SLBC/UTLBC 15th January every year meetings and intimation to all the concerned of the cut-off dates for submission of data and dates of meetings as per the dateline given below. Reminder regarding the exact date of 15 days before end of the quarter meeting and submission of data by banks to SLBC Dead line for receipt of information/data by 15 days from the end of the quarter SLBC Convenor Bank Distribution of agenda cum background 20 days from the end of the quarter papers16 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 emerged from To be completed within 30 days of the meeting forwarding the minutes (for review in the next meeting) ii) The objective of preparing the calendar of meetings in the beginning of the year is to ensure adequate notice of these meetings and timely compilation and dispatch of agenda papers to all stakeholders. It also ensures clear cut guidelines for the submission of data to SLBC Convenors by participating banks & Government Departments. It is expected to save precious time of SLBC Convenors otherwise spent in taking dates from various senior functionaries attending these SLBC meetings. iii) SLBC Convenor Banks need to appreciate the advantages of ensuring adherence to the yearly calendars. SLBC Convenor Banks have therefore been advised to give wide publicity to the annual calendar at the beginning of the year and ensure that dates of senior functionaries expected to attend the meetings are blocked for all meetings by their offices. In case, despite blocking dates, if for some reason, the senior functionary is not able to attend the meeting, the meeting should be held as planned in the calendar. More importantly, the data for review in these meetings should be received as per deadlines set in the calendar and those who do not submit the data in time should be asked to explain the reasons for delay in sending the data that may be recorded in the minutes of the meeting. Under no circumstance, should the preparation of the agenda be delayed beyond the dates stipulated as per the calendar. 2.3.5 SLBC Website – Standardisation of information /data SLBC Convenor Banks are required to maintain the SLBC websites where all instructions pertaining to LBS and Government Sponsored Schemes are made available and are accessible to the common man desiring any information relating to the conduct of meetings or State-wise data/bank-wise performance. In order to standardize the information and data that is to be made available on the SLBC website, an indicative list of the information & data is given in the Annex II. SLBCs17 should arrange to place the prescribed minimum information on the websites of SLBCs of their bank and keep it updated regularly, at least on quarterly basis. Banks may note that the list is only indicative and SLBCs are free to put any additional information considered relevant for the State. 2.3.6 Liaison with State Government SLBC Convenor Banks are expected to co-ordinate the activities of all banks in the State, discuss with State Government officials, the operational problems in lending, extending necessary support for banking development and to achieve the objective of financial inclusion. 2.3.7 Capacity Building/Training/Sensitization Programmes i) There is a need for sensitising the District Collectors and CEOs of Zilla Parishads on banks and banking in general as also on the specific scope and role of the Lead Bank Scheme. In each State, a full day ‘Sensitisation Workshop’ may be convened by the SLBC Convenor Bank every year, preferably in April/May. Such sensitisation should form part of the probationary training of such officers. Further, as soon as they are posted in a district, the SLBC may arrange for exposure visits for the District Collectors to the SLBC Convenor’s office for sensitisation and understanding of the Lead Bank Scheme. ii) Staff at the operational level of banks and government agencies associated with implementation of the Lead Bank Scheme need to be aware of the latest developments and emerging opportunities. There is need for staff sensitisation/ training/seminars, etc. at periodic intervals on an ongoing basis. 3. Implementation of Lead Bank Scheme 3.1 Preparation of credit plans Planning plays an important role in the implementation of the Lead Bank Scheme and a bottom-up approach is adopted to map the existing potential for development. Under LBS, planning starts with identifying block-wise/ activity-wise potential estimated for various sectors.18 3.2 Potential Linked Credit Plans (PLPs) i) Potential Linked Credit Plans (PLPs) are a step towards decentralized credit planning with the basic objective of mapping the existing potential for development through bank credit. PLPs take into account the long term physical potential, availability of infrastructure support, marketing facilities, and policies/programmes of Government etc. NABARD to take measures to ensure that PLPs should be more focussed and implementable so that banks can utilize them more gainfully while preparing the Branch Credit Plan. PLPs should emphasise on promotion of sustainable agricultural practices suitable to local conditions. While preparing the PLPs, the focus must be on identifying processes and projects that: a. reduce the carbon foot-print, b. prevent the overuse of fertilizers, c. ensure efficient utilisation of water and d. address agricultural pollution issues. The plans must also focus on promoting innovative farming systems such as organic farming, bio dynamic farming, permaculture and sustainable small-scale farming, as also promoting Farmer Producer Organisations (FPOs) and Farmers’ Markets. Such initiatives must be supported by appropriate investments and project finance frameworks. ii) A pre-PLP meeting is convened by LDM during June every year to be attended by banks, Government agencies, etc., to reflect their views and concerns regarding credit potential (sector/activity-wise) and deliberate on major financial and socio- economic developments in the district in the last one year and priorities to be set out for inclusion in the PLP. The DDM of NABARD makes a presentation in this meeting outlining the major requirements of information for preparing the PLP for the following year. The preparation of PLP for the next year is to be completed by August every year to enable the State Government to factor in the PLP projections. iii) The procedure for preparing the District Credit Plan is as follows: a) Controlling Offices of commercial banks including Small Finance Banks, Wholly Owned Subsidiaries (WOS) of Foreign Banks and Head Office of RRB and DCCB/LDB circulate the accepted block-wise/activity-wise potential to all19 their branches for preparing the Branch Credit Plans (BCP) by their respective branch managers. Banks should ensure that the exercise of preparation of branch/block plans is completed in time by all branches so that the Credit Plans become operational on time. b) A special Block Level Bankers' Committee (BLBC) meeting is convened for each block where the Branch Credit Plans are discussed and aggregated to form the Block Credit Plan. The DDM and the LDM guide the BLBC in finalizing the plan, ensuring that the Block Credit Plan is in tune with the potentials identified activity-wise including in respect of Government Sponsored Schemes. c) All the Block Credit Plans of the district are aggregated by the LDM to form the District Credit Plan (DCP). This plan indicates an analytical assessment of the credit needs of the district to be deployed by all the financial institutions operating in the district and the total quantum of funds to be earmarked as credit by all the financial institutions for a new financial year. The Zonal/Controlling Offices of banks, while finalizing their business plans for the year, should take into account the commitments made in the DCP which should be ready well in time before the performance budgets are finalized. d) The District Credit Plan is then placed before the DCC by the Lead District Manager for final acceptance/approval. All the District Credit Plans are eventually aggregated into a State Level Credit Plan to be prepared by SLBC Convenor Bank and launched by the 1st of April every year. e) The corporate business targets for branches, blocks, districts and states may be aligned with the Annual Credit Plans (ACP) to ensure better implementation. The Controlling Offices of the banks in each state should synchronize their internal business plans with the ACP. 3.3 Monitoring the Performance of Credit Plans The performance of the credit plans is reviewed in the various fora created under the Lead Bank Scheme as shown below:20 At Block Level Block Level Bankers’ Committee (BLBC) At District Level District Consultative Committee (DCC) & District Level Review Committee (DLRC) At State Level State Level Bankers’ Committee (SLBC) Monitoring of LBS by RBI - Monitoring Information System (MIS) i) Data on Annual Credit Plan (ACP) is an important element to review the flow of credit in the State. ACP formats are aligned with the extant reporting guidelines on priority sector lending. Accordingly, the ACP is to be prepared considering the categories of priority sector that would include Agriculture, Micro, Small and Medium Enterprises, Export Credit, Education, Housing, Social Infrastructure, Renewable Energy and Others. Further, it has been decided that bank loans to Micro/Small and Medium Enterprises (Services), engaged in providing or rendering of services as defined in terms of investment in equipment under MSMED Act, 2006, shall qualify under priority sector without any credit cap. Accordingly, the applicable loan limits per borrower to Micro/Small Enterprises (₹ 5 crore) and Medium Enterprises (₹ 10 crore) under the MSMEs Sector (Services) for classification under priority sector have been removed. The reporting statement for ACP target is LBS-MIS-I (Annex IV), statement for disbursement and outstanding LBS-MIS-II (Annex V) and ACP achievement vis-à-vis ACP target, LBS-MIS-III (Annex VI). SLBC Convenor Banks/ Lead Banks have been advised to prepare the statements LBS MIS I, II and III as per the revised formats starting from the financial year 2018-19. They should prepare the bank group wise statements of LBS-MIS-I, II and III as per the prescribed formats and also place these statements for meaningful review in all DCC and SLBC meetings. ii) In order to maintain consistency and integrity of data with the All-India data of scheduled commercial banks and facilitate a meaningful review/analysis of data, the ACP data needs to be grouped separately for scheduled commercial banks and other banks like State Cooperative Banks, DCCBs, etc. while presenting in the DCC/SLBC meetings and submitting to our Regional Offices. The data pertaining to scheduled commercial banks needs to be further grouped into public sector banks, private sector banks, Regional Rural Banks, Small Finance Banks and Wholly Owned Subsidiaries (WOS) of Foreign Banks to know the bank group wise position.21 3.4 Revised mechanism of Data Flow for LBS fora meetings At present, discussions at the quarterly meetings of the various LBS fora viz. State Level Bankers’ Committee (SLBC), District level Consultative Committee (DCC) and Block Level Bankers’ Committee (BLBC) primarily focus on the performance of banks in the disbursement of loans vis-a-vis the allocated target under the Annual Credit Plan. The integrity & timeliness of the data submitted by banks for the purpose has been an issue as a significant portion of this data is manually compiled and entered into the Data Management Systems of the SLBC Convenor Banks. The extent to which this data corresponds with the data present in the Core Banking Solution (CBS) of the respective banks also varies significantly. Therefore, there is need of a standardized system to be developed on the website maintained by each SLBC to enable uploading and downloading of the data pertaining to the Block, District as well as the State. The relevant data must also be directly downloadable from the CBS and/ or MIS of the banks with a view to keeping manual intervention to a minimal level in the process. The procedure relating to the envisaged intervention in this area is given below: Management of Data Flow at LBS Fora – Procedure i. Each bank’s CBS should have a provision to generate a report pertaining to all LBS related data/ tables to Excel. This data should have information pertaining to all the branches operating in the state including fields/ columns for District & Block name. Access to Download & 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 websites. SLBC websites should have a provision to ‘Import/ Upload’ all the data present in the Excel Sheet on the database of the SLBC website. 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 website along with the requisite capabilities at the back-end.22 iv. The SLBC website would, thus, effectively work as a data aggregation platform. Further, data analysis capabilities could also be added to the SLBC websites depending on the available resources. v. The SLBC websites should provide access to LDMs to download district and block specific data directly from this website 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 as is done now. At the SLBC website, 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 once in a while. vii. Such a system ensures that LDMs & 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. Necessary modifications may be made on the SLBC websites and to the CBS & MIS systems of all banks to implement the envisaged data flow mechanism. A Working Group of select SLBC Convenor banks and NABARD was constituted by RBI to work out a standardised system for collection, storage, presentation and management of data on the SLBC/ UTLBC website. A Standard Operating Procedure (SOP), which may be followed by SLBC/ UTLBC Convenor Banks, member banks and LDMs, as suggested by the Working Group for management of the data flow is given at Annex III. 4. Assignment of Lead Bank Responsibility i) Lead Bank Scheme is administered by the Reserve Bank of India since 1969. The assignment of Lead Bank responsibility to designated banks in every district is done by the Reserve Bank of India following a detailed procedure formulated for this23 purpose. As on June 30, 2020, 12 public sector banks and one private sector bank have been assigned Lead Bank responsibility in 726 districts of the country. ii) State Level Bankers’ Committee (SLBC)/Union Territory Level Bankers' Committee (UTLBC), as an apex level forum at the State/Union Territory (UT) level, coordinates the activities of the financial institutions and Government departments in the State/Union Territory under the Lead Bank Scheme. SLBC/UTLBC Convenorship is assigned to banks for this purpose. As on June 30, 2020, the SLBC/ UTLBC convenorship of 28 States and 8 Union Territories has been assigned to 11 public sector banks and one private sector bank. A List of State/UT wise SLBC/UTLBC Convenor Banks and district wise Lead Banks is given in Annex I. iii) The Lead Bank Scheme (LBS) has been extended to the districts in the metropolitan areas, thus bringing the entire country under the fold of the Lead Bank Scheme. 5. Banking Penetration i) Over the years, the focus of the Lead Bank Scheme has shifted to inclusive growth and financial inclusion. The use of Information Technology (IT) and intermediaries has enabled banks to increase the outreach, scale and depth of banking services at affordable cost. ii) SLBC Convenor Banks / Lead Banks are advised to focus attention on the need for achieving 100% financial inclusion through penetration of banking services in the rural areas. Upon issuance of DoR revised guidelines on ‘Rationalisation of Branch Authorisation Policy’ on May 18, 2017 clarifying on ‘Banking Outlet’, banks were advised to consider opening of a CBS-enabled banking outlet or a part time banking outlet, as the case may be, in unbanked rural centres. iii) SLBC Convenor Banks should take up with the State Governments, impeders such as issues of road/digital connectivity, conducive law and order situation, uninterrupted power supply, adequate security, etc. for ensuring banking expansion at all centres where penetration by the formal banking system is required. However, these impeders should not inhibit the scaling up of financial inclusion initiatives. 5.1 Roadmap for providing banking services in unbanked villages24 In November 2009, a roadmap to provide banking services in villages with population more than 2000 was rolled out. All the identified villages have been provided with banking services through branches, business correspondents or through other modes such as ATMs and mobile vans. Later, in June 2012, a roadmap to provide banking services in unbanked villages with less than 2,000 population was rolled out. SLBC Convenor Banks and Lead Banks were advised to complete the process of providing banking services in unbanked villages with population below 2000 by August 14, 2015. 5.2 Roadmap for opening brick and mortar branches in villages with population more than 5000 without a bank branch of a scheduled commercial bank As brick and mortar branches are an integral component of financial inclusion, it was decided to focus on villages with population above 5000 without a bank branch of a scheduled commercial bank. This was to enable banks to provide quality financial services and timely support to BC outlets that would help in sustaining and strengthening the services provided through BCs and also ensuring close supervision of BC operations. Accordingly, SLBC Convenor Banks were advised to identify villages with population above 5000 without a bank branch of a scheduled commercial bank in their State and allot these villages among scheduled commercial banks (including Regional Rural Banks) for opening of branches. 5.3 Aligning roadmap for unbanked villages having population more than 5000 with revised Guidelines on Branch Authorisation Policy In terms of circular DBR.No.BAPD.BC.69/22.01.001/2016-17 dated May 18, 2017 issued by DoR on ‘Rationalisation of Branch Authorisation Policy - Revision of Guidelines’, final guidelines on ‘Banking Outlets’ have been issued with a view to facilitate financial inclusion as also to provide flexibility to banks on the choice of delivery channel. Accordingly, SLBC Convenor Banks have been advised to identify all unbanked rural centres (URCs) in the State, compile 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’.25 ii) Further, SLBC Convenor Banks have been advised that in order to comply with the criteria of opening at least 25 percent of the total banking outlets in unbanked rural centres in Tier 5 & 6 centres, as prescribed vide DoR circular dated May 18, 2017, 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) The updated list of unbanked rural centres should be tabled in all SLBC meetings during discussions on the progress of providing banking services in unbanked rural centres. 5.4 National Strategy for Financial Inclusion (NSFI): 2019-2024 – Universal Access to Financial Services Providing banking access to every village within a 5 KM radius / hamlet of 500 households in hilly areas has been one of the key objectives of the National Strategy for Financial Inclusion (NSFI): 2019-2024. Accordingly, SLBC/ UTLBC Convenor banks have been advised to review the presence of banking outlets of Scheduled Commercial Banks (SCBs), Regional Rural Banks (RRBs), Small Finance Banks (SFBs) and Payments Banks (PBs) in every village within a 5 KM radius / hamlet of 500 households in hilly areas under their jurisdiction(s) and ensure that universal access to financial services are provided to all such villages. 6. Credit Deposit Ratio (CD Ratio) 6.1 CD Ratio of Banks in Rural and Semi-Urban Areas Banks have been advised to achieve a CD Ratio of 60 percent in respect of their rural and semi-urban branches separately on an All-India basis. While it is not necessary that this ratio should be achieved separately, branch-wise, district-wise or region-wise, the banks should, nevertheless, ensure that wide disparity in the ratios between different States / Regions is avoided in order to minimise regional imbalance in credit deployment. The credit dispensation in certain districts is very low, as a result of various factors such as lack of necessary infrastructure, varying ability of different regions to absorb credit, etc. Banks may review the performance of26 their bank branches in such areas and take necessary steps to augment the credit flow. The Lead Banks may discuss the problem in all its aspects with the other financial institutions in the district and also in the DCC forum. 6.2 Implementation of the Recommendations of the Expert Group on CD Ratio i) An Expert Group was constituted by the Government of India to go into the nature and magnitude of the problem of low CD Ratio across States / Regions and to suggest steps to overcome the problem. The Expert Group examined the problems and causes of low CD Ratio and made recommendations. As per the recommendations, the CD Ratio of banks 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 Further, banks are advised that: • In the districts having CD Ratio less than 40 percent, Special Sub-Committees (SSCs) of the DCC shall be set up to monitor the CD Ratio. • Districts having CD Ratio between 40 and 60 percent, shall be monitored under the existing system by the DCC, and • The district with CD Ratio of less than 20 percent need to be treated on a special footing. ii) Special Sub-Committees (SSCs) of the DCC should be set up in the districts having CD Ratio less than 40 percent, in order to monitor the CD Ratio and to draw up Monitorable Action Plans (MAPs) to increase the CD Ratio. The Lead District Manager (LDM) is designated as the Convenor of the SSC which, in addition to the District Co-ordinators of banks functioning in the area, should comprise of the LDO of RBI, the DDM of NABARD, the District Planning Officer or a representative of the Collector duly empowered to take decisions on behalf of the district administration.27 The functions of the Special Sub-Committee are as under: • The SSCs should draw up Monitorable Action Plans (MAPs) for improving the CD Ratio in their districts on a self-set graduated basis. • For this purpose, the SSC should hold a special meeting immediately after its constitution and on the basis of the various ground level parameters, set for itself, a target for increasing the CD Ratio initially for the current year. It will also, at the same meeting, set a definite time frame to achieve a CD Ratio more than 60 percent in annual increments. • Consequent to the completion of this process, the target and time frame self set by the SSC should be placed before the DCC for approval. • The plans for implementation must then be taken up by the SSC and monitored assiduously once in two months. • The SSC should report the progress on the implementation of the plan to the DCC on a quarterly basis and through them to the Convenor of the SLBC. • On the basis of the feedback received from the DCC regarding the progress in the implementation of the Monitorable Action Plans (MAPs), a consolidated report should be prepared by the SSC and tabled at all SLBC meetings for discussion / information. iii) As regards the districts with a CD Ratio less than 20 percent, these are generally located in hilly, desert or inaccessible terrains and / or those dependent solely on the primary sector and/ or characterized by a breakdown of the law and order machinery. In such areas, conventional methods are not likely to work unless the banking system and the State Government come together in a specially meaningful way. iv) While the framework for implementation for raising the CD Ratio in these districts will be the same as in the case of districts with CD Ratio below 40 percent (i.e. setting up of SSC etc.), the focus of attention and the level of efforts should be of a much higher scale. For this, • All such districts should first be placed in a special category. • Thereafter, the responsibility for increasing their CD Ratio should be taken by banks and State Governments and the districts should be "adopted" by the District Administration and the Lead Bank jointly.28 • While banks would be responsible for credit disbursement, the State Government would be required to give an upfront commitment regarding its responsibilities for creation of identified rural infrastructure together with support in creating an enabling environment for banks to lend and to recover their dues. • Progress in the special category districts should be monitored at the district level and reported to the corporate offices of the concerned banks. • The Chairmen/ Managing Directors of banks should give special attention to the CD Ratio in such districts. 7. Direct Benefit Transfer Direct Benefit Transfer (DBT) was rolled out by the Government of India in selected districts in January 2013. It was expanded to other districts subsequently. SLBC Convenor Banks were advised to co-ordinate with the Government authorities to implement DBT. Banks were advised to include the status of the roll-out of DBT as a regular agenda item for discussion in SLBC meetings as part of Financial Inclusion/Direct Benefit Transfer (DBT) implementation. As a prerequisite to the implementation of the DBT, every eligible individual should have a bank account. Further, to make disbursements at the doorstep through the ICT-based BC model, banking outlets either through brick & mortar branches or the branchless mode is needed in all villages across the country. Hence, banks have been advised to: • take steps to complete the opening of bank accounts and seeding of Aadhaar numbers in all bank accounts. • closely monitor the progress in seeding of Aadhaar number with the bank accounts of beneficiaries. • put in place a system to provide the beneficiary of the seeding request an acknowledgement and also send a confirmation of the seeding of Aadhaar number. • form a DBT Implementation Co-ordination Committee, along with the State Government department concerned, at district level and review the seeding of Aadhaar numbers in bank accounts.29 • ensure that district and village wise names and other details of business correspondents (BCs) engaged/other arrangements made by the bank are displayed on the SLBC website. • set up a Complaint Grievance Redressal mechanism in each bank and nominate a Complaint Redressal Officer in each district, to redress the grievances related to ‘seeding of Aadhaar number in bank accounts'. Banks were further advised to ensure that opening of bank accounts and seeding of Aadhaar numbers with existing or new accounts of eligible beneficiaries opened for the purpose of Direct Benefit Transfer (DBT) under social welfare schemes, was in conformity with the provisions listed under Section 16 of the Master Direction - Know Your Customer (KYC) Direction, 2016 (updated as on May 29, 2019) and extant provisions of the Prevention of Money Laundering (PML) Rules. 8. Service Area Approach (SAA) i) The Service Area Approach (SAA), introduced in April 1989 for planned and orderly development of rural and semi-urban areas was applicable to all scheduled commercial banks including Regional Rural Banks. Under SAA, each bank branch in a rural or semi-urban area was designated to serve an area of 15 to 25 villages and the branch was responsible for meeting the needs of bank credit of its service area. The primary objective of SAA was to increase productive lending and forge effective linkages between bank credit, production, productivity and increase in income levels. The SAA scheme was reviewed from time to time and appropriate changes were made in the scheme to make it more effective. ii) The Service Area Approach scheme was reviewed in December 2004 and it was decided to dispense with the restrictive provisions of the scheme while retaining the positive features of the SAA such as credit planning and monitoring of the credit purveyance. Accordingly, under SAA, the allocation of villages among the rural and semi-urban branches of banks were made not applicable for lending except under Government Sponsored Schemes. Thus, while the commercial banks and RRBs are free to lend in any rural and semi-urban area, the borrowers have the choice of approaching any branch for their credit requirements.30 8.1 Dispensing with ‘No Due Certificate’ In order to ensure hassle free credit to all borrowers, especially in rural and semi- urban areas and keeping in view the technological developments and the different ways available with banks to avoid multiple financing, banks have been advised to dispense with obtaining a ‘No Due Certificate’ from the individual borrowers (including SHGs & JLGs) in rural and semi-urban areas for all types of loans including loans under Government Sponsored Schemes, irrespective of the amount involved unless the Government Sponsored Scheme itself provides for obtention of a ‘No Due Certificate’. Further, it is clarified that the policy of dispensing with a ‘No Due Certificate’ for lending by banks is also applicable to urban areas including metropolitan cities. ii) Banks are encouraged to use an alternative framework of due diligence as part of the credit appraisal exercise other than the ‘No Due Certificate’ which could, among others, consist of one or more of the following: • Credit history check through Credit Information Companies (CICs) • Self-declaration or an affidavit from the borrower • CERSAI registration • Peer monitoring • Information sharing among lenders • Information search (writing to other lenders with an auto deadline) iii) Banks are also advised to submit information/data to all Credit Information Companies (CICs), as required in terms of extant instructions issued by RBI. 9. Doubling of Farmers’ Income by 2022 i) The Government of India, in the Union Budget 2016-17, had announced its resolve to double the income of farmers by 2022. Several steps have been taken towards attaining this objective including setting up of an inter-ministerial committee for preparation of a blue print for the same. This agenda has also been reiterated by the government in several fora and has acquired primacy from the point of view of rural and agricultural development.31 ii) The strategy to achieve this goal, inter-alia, includes, • Focus on irrigation with large budgets, with the aim of "per drop, more crop" • Provision of quality seeds and nutrients based on soil health of each field • Investments in warehousing and cold chains to prevent post-harvest crop losses • Promotion of value addition through food processing • Creation of a national farm market, removing distortions and development of infrastructure such as e-platform across 585 stations • Strengthening of the crop insurance scheme to mitigate risks at affordable cost • Promotion of ancillary activities like poultry, bee-keeping and fisheries iii. Needless to emphasize that acceleration in income generation is significantly dependent on better capital formation in agriculture. Towards this, banks should revisit their documentation for crop loans, simplify them where required and ensure speedy sanctioning and disbursal of loans within specified time limits. iv. The Lead Bank Scheme, which ensures inter-departmental/governmental coordination in the financial sector, should, therefore, be leveraged to further the objective of doubling farmers’ income by 2022. Lead Banks are accordingly advised to ensure the following: a. Work closely with NABARD in the preparation of Potential Linked Credit Plans (PLPs) & Annual Credit Plans (ACPs) keeping the above strategy in consideration b. Include ‘Doubling of Farmers’ Income by 2022’ as a regular agenda under the Lead Bank Scheme in various fora such as SLBC, DCC, DLRC and BLBC c. For the purpose of monitoring and reviewing the progress, Lead Banks may use the benchmarks as may be provided by NABARD d. Map the overall strategy as given in para 9 (ii) above to the agriculture/agro- ancillary lending plan of the bank. 10. Expanding and Deepening of Digital Payments Ecosystem32 With a view to expanding and deepening the digital payments ecosystem, the SLBCs/UTLBCs were advised to identify one district in their respective States/UTs on a pilot basis in consultation with banks and stakeholders and allocate it to a bank with significant footprint which will endeavour to make the district 100% digitally enabled within one year, in order to enable every individual in the district to make/ receive payments digitally in a safe, secure, quick, affordable and convenient manner. SLBC/ UTLBC Convenor Banks were also advised to devise a time bound roadmap to all branches of member banks (Public Sector Banks, Private Sector Banks, Regional Rural Banks, Small Finance Banks and Payments Banks) located in the identified district(s) for on-boarding merchants/ traders/ businesses/ utility service providers to facilitate fully digital transactions. Further, SLBC/ UTLBC Convenor Banks were advised to constitute a Sub-Committee on Digital Payments at SLBC/ UTLBC level. 11. References of Directions / Circulars Relevant to Lead Bank Scheme Sr. Reference No Date Subject No. 1 FIDD.CO.Plan.1/04.09.01/2 July 07, 2016 Master Direction - Priority 016-17 (updated as on Sector Lending – Targets December 5, 2019) and Classification [All SCBs (excluding RRBs and SFBs)] 2 FIDD.CO.Plan.2/04.09.01/2 July 07, 2016 Master Direction – RRBs – 016-17 (updated as on Priority Sector Lending – June 18, 2019) Targets and Classification 3 FIDD.CO.Plan.BC July 29, 2019 Master Direction – Priority No.08/04.09.01/2019-20 (Updated as on Sector Lending – Small March 12, 2020) Finance Banks – Targets and Classification 4 FIDD.CO.FSD.BC October 17, 2018 Master Direction – Reserve No.9/05.10.001/2018-19 Bank of India (Relief Measures by Banks in Areas affected by Natural Calamities) Directions 2018 – SCBs (including SFBs and excluding RRBs) 5 FIDD.CO.FSD.BC. October 17, 2018 Master Direction – Reserve No.10/05.10.001/2018-19 Bank of India (Relief Measures by Banks in Areas affected by Natural33 Sr. Reference No Date Subject No. Calamities) Directions 2018 – RRBs 6 FIDD.MSME & NFS. July 24, 2017 Master Direction - Lending to 12/06.02.31/2017-18 (updated as on Micro, Small & Medium April 25, 2018) Enterprises (MSME) Sector [SCBs (excluding RRBs)] 7 FIDD.GSSD.BC.No.04/09.1 July 01, 2019 Master Circular - Credit 0.01/2019-20 Facilities to Minority Communities [All SCBs & SFBs (excluding RRBs and Foreign banks with less than 20 branches)] 8 FIDD.CO.GSSD.BC.No.03/ July 01, 2019 Master Circular - Credit 09.09.001/2019-20 Facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs) [All SCBs & SFBs] 9 FIDD.GSSD.CO.BC.No.01/ July 01, 2019 Master Circular –Deendayal 09.16.03/2019-20 Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM) [All SCBs & SFBs] 10 FIDD.GSSD.CO.BC.No.15/ November 26, Master Circular – Deendayal 09.01.01/2019-20 2019 Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) [All SCBs & SFBs] 11 FIDD.FID.BC.No.05/12.01. July 01, 2019 Master Circular on SHG- 033/2019-20 Bank Linkage Programme [All SCBs] 12 FIDD.FLC.BC.No.22/12.01. March 02, 2017 Financial Literacy by FLCs 018/2016-17 (Financial Literacy Centres) and rural branches - Policy Review [SCBs including RRBs] 13 FIDD.FLC.BC.No.12/12.01. August 25, 2016 Financial Literacy Centres - 018/2016-17 Revised reporting formats [SCBs including RRBs] 14 FIDD.CO.SFB.No.9/04.09.0 July 06, 2017 Small Finance Banks – 01/2017-18 Compendium of Guidelines on Financial Inclusion and Development.34 Sr. Reference No Date Subject No. 15 DBR.No.BAPD.BC.69/22.0 May 18, 2017 Rationalisation of Branch 1.001/2016-17 Authorisation Policy- Revision of Guidelines [All Domestic SCBs (excluding RRBs), SFBs Payments Banks and LABs] 16 DBR.RRB.BL.BC.No.40/31. May 31, 2019 Rationalisation of Branch 01.002/2018-19 Authorisation Policy – Revision of Guidelines (RRBs)35 Annex I List of State/ UT-wise SLBC/ UTLBC Convenor Banks and district-wise Lead Banks Sr. State / Union SLBC/UTLBC District District lead bank No. Territory Convenor bank 1 Andhra Union Bank of India 1. Anantapur Canara Bank Pradesh 2. Chittoor Indian Bank 3. East Godavari Union Bank of India 4. Guntur Union Bank of India 5. Kadapa Canara Bank 6. Krishna Indian Bank 7. Kurnool Canara Bank 8. Nellore Canara Bank 9. Prakasam Canara Bank 10. Srikakulam Union Bank of India 11. Visakhapatnam State Bank of India 12. Vizianagaram State Bank of India 13. West Godavari Union Bank of India 2 Arunachal State Bank of India 1. Anjaw State Bank of India Pradesh 2. Changlang State Bank of India 3. Dibang Valley State Bank of India 4. East Kameng State Bank of India 5. East Siang State Bank of India 6. Kra Daadi State Bank of India 7. Kurung Kumey State Bank of India 8. Lohit State Bank of India 9. Longding State Bank of India 10. Lower Dibang Valley State Bank of India 11. Lower Subansiri State Bank of India 12. Namsai State Bank of India 13. Papum Pare State Bank of India 14. Siang State Bank of India 15. Tawang State Bank of India 16. Tirap State Bank of India 17. Upper Siang State Bank of India 18. Upper Subansiri State Bank of India 19. West Kameng State Bank of India 20. West Siang State Bank of India 3 Assam State Bank of India 1. Baksa State Bank of India 2. Barpeta UCO Bank 3. Biswanath Punjab National 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 Bank36 10. Dhubri UCO Bank 11. Dibrugarh Punjab National Bank 12. Goalpara UCO Bank 13. Golaghat Punjab National Bank 14. Hailakandi Punjab National Bank 15. Hojai Punjab National Bank 16. Jorhat Punjab National Bank 17. Kamrup UCO Bank 18. Kamrup Metro UCO Bank 19. Karbi Anglong State Bank of India 20. Karimganj Punjab National Bank 21. Kokrajhar UCO Bank 22. Lakhimpur Punjab National Bank 23. Majuli Punjab National Bank 24. Morigaon Punjab National Bank 25. Nagaon Punjab National Bank 26. Nalbari UCO Bank 27. North Cachar Hills State Bank of India 28. Sivasagar Punjab National Bank 29. Sonitpur UCO Bank 30. South Salmara- UCO Bank Mankachar 31. Tinsukia Punjab National Bank 32. Udalguri State Bank of India 33. West Karbi Anglong State Bank of India 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 Champaran Central Bank of India 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 19. 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 India37 24. Nalanda Punjab National Bank 25. Nawada Punjab National Bank 26. Patna Punjab National Bank 27. Purnea State Bank of India 28. Rohtas (Sasaram) Punjab National Bank 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 Champaran Central Bank of India 5 Chhattisgarh State 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 Bank 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. Kondagaon State Bank of India 18. Korba State Bank of India 19. Korea Central Bank of India 20. Mahasamund Bank of Baroda 21. Mungeli State Bank of India 22. Narayanpur State Bank of India 23. Raigarh State Bank of India 24. Raipur Bank of Baroda 25. Rajnandgaon Bank of Baroda 26. Sukma State Bank of India 27. Surajpur Central Bank of India 28. 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 Gujarat Bank of Baroda 1. Ahmedabad State Bank of India 2. Amreli State Bank of India38 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. Dohad Bank of Baroda 11. Dangs Bank of Baroda 12. Devbhumi Dwarka Bank of Baroda 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 23. 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 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. Mewat Canara Bank 15. Palwal Punjab National Bank 16. Panchkula Punjab National Bank39 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) 8. 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 Singhbhum Bank of India 11 Karnataka Canara Bank 1. Bagalkot Canara Bank 2. Bangalore (Rural) Canara Bank 3. Bangalore (Urban) Canara Bank40 4. Belgaum Canara Bank 5. Bellary Canara Bank 6. Bidar State Bank of India 7. Bijapur Canara Bank 8. Chamrajanagar State Bank of India 9. Chikballapur Canara Bank 10. Chickmagalur Union Bank of India 11. Chitradurga Canara Bank 12. Dakshin Canara Canara Bank 13. Davangere Canara Bank 14. Dharwad Bank of Baroda 15. Gadag State Bank of India 16. Gulbarga State Bank of India 17. Hassan Canara Bank 18. Haveri Bank of Baroda 19. Kodagu Union Bank of India 20. Kolar Canara Bank 21. Koppal State Bank of India 22. Mandya Bank of Baroda 23. Mysore State Bank of India 24. Raichur State Bank of India 25. Ramanagara Union Bank of India 26. Shivmoga Canara Bank 27. Tumkur State Bank of India 28. Udupi Canara Bank 29. Uttar Canara Canara Bank 30. Yadgir State Bank of India 12 Kerala Canara Bank 1. Alappuzha State Bank of India 2. Ernakulam Union Bank of India 3. Idukki Union 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. Thiruvananthapuram Indian Overseas Bank 13. Thrissur Canara Bank 14. Wayanad Canara Bank (Kalepetta) 13 Madhya Central Bank of 1. Agar-Malwa Bank of India Pradesh India 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 India41 7. 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. Mandla Central Bank of India 28. Mandsaur Central Bank of India 29. Morena Central Bank of India 30. Narsinghpur Central Bank of India 31. Neemuch State Bank of India 32. Niwari State Bank of India 33. Panna State Bank of India 34. Raisen Central Bank of India 35. Rajgarh Bank of India 36. Ratlam Central Bank of India 37. Rewa Union Bank of India 38. Sagar Central Bank of India 39. Satna Indian Bank 40. Seoni Central Bank of India 41. Shahdol Central Bank of India 42. Shajapur Bank of India 43. Sheopur Kala State Bank of India 44. Shivpuri State Bank of India 45. Sidhi Union Bank of India 46. Sihore Bank of India 47. Singrauli Union Bank of India 48. Tikamgarh State Bank of India 49. Ujjain Bank of India 50. Umaria State Bank of India 51. Vidisha State Bank of India 52. West Nimar Bank of India (Khargone)42 14 Maharashtra Bank of 1. Ahmednagar Central Bank of India Maharashtra 2. Akola Central Bank of India 3. Amravati Central Bank of India 4. Aurangabad Bank of Maharashtra 5. Beed State Bank of India 6. Bhandara Bank of India 7. Buldhana Central Bank of India 8. Chandrapur Bank of India 9. Dhule Central Bank of India 10. Gadchiroli Bank of India 11. Gondia Bank of India 12. Hingoli State Bank of India 13. Jalgaon Central Bank of India 14. Jalna Bank of Maharashtra 15. Kolhapur Bank of India 16. Latur State Bank of India 17. Mumbai Bank of India 18. Mumbai Suburban Bank of India 19. Nagpur Bank of India 20. Nanded State Bank of India 21. Nandurbar State Bank of India 22. Nashik Bank of Maharashtra 23. Osmanabad State Bank of India 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 35. Washim State Bank of India 36. Yavatmal Central Bank of India 15 Manipur State 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 India43 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. Jaintia Hills State Bank of India 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 tate Bank of India Hills 9. South West Khasi State Bank of India Hills 10. West Garo hills State Bank of India 11. West Khasi Hills State Bank of India 17 Mizoram State Bank of India 1. Aizawal State Bank of India 2. Champhai State Bank of India 3. Chhimtuipui Saiha State Bank of India 4. Hnahthial State Bank of India 5. Khawzawl State Bank of India 6. Kolasib State Bank of India 7. Lawngtlai State Bank of India 8. Lunglei State Bank of India 9. Mamit State Bank of India 10. Saitual State Bank of India 11. Serchhip State Bank of India 18 Nagaland State Bank of India 1. Dimapur State Bank of India 2. Kiphire State Bank of India 3. Kohima State Bank of India 4. Longleng State Bank of India 5. Mokokchung State Bank of India 6. Mon State Bank of India 7. Peren State Bank of India 8. Phek State Bank of India 9. Tuensang State Bank of India 10. Wokha State Bank of India 11. Zunheboto State Bank of India 19 Odisha UCO Bank 1. Angul UCO Bank 2. Balasore UCO Bank 3. Bargah State Bank of India 4. Bhadrak UCO Bank 5. Bolangir (Balangir) State Bank of India 6. Boudh State Bank of India 7. Cuttack UCO Bank 8. Deogarh State Bank of India 9. Dhenkanal UCO Bank44 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 25. 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. Mansa State Bank of India 14. Moga Punjab & Sind Bank 15. Muktsar State Bank of India 16. Nawanshahr Punjab National Bank 17. Pathankot Punjab National Bank 18. Patiala State Bank of India 19. Ropar UCO Bank 20. Sahibzada Ajit Singh Punjab National Bank Nagar (Mohali) 21. Sangrur State Bank of India 22. Tarn Taran Punjab National Bank 21 Rajasthan Bank of Baroda 1. Ajmer Bank of Baroda 2. Alwar Punjab National Bank 3. Banswara Bank of Baroda45 4. Baran Central Bank of India 5. Barmer State Bank of India 6. Bharatpur Punjab National Bank 7. Bhilwara Bank of Baroda 8. Bikaner State Bank of India 9. Bundi Bank of Baroda 10. Chittorgarh Bank of Baroda 11. Churu Bank of Baroda 12. Dausa UCO Bank 13. Dholpur Punjab National Bank 14. Dungarpur Bank of Baroda 15. Hanumangarh State Bank of India 16. Jaipur UCO Bank 17. Jaisalmer State Bank of India 18. Jalore State Bank of India 19. Jhalawar Central Bank of India 20. Jhunjhunu Bank of Baroda 21. Jodhpur UCO Bank 22. Kirauli Bank of Baroda 23. Kota Central Bank of India 24. Nagaur UCO Bank 25. Pali State Bank of India 26. Pratapgarh Bank of Baroda 27. Rajsamand State Bank of India 28. Sawai Madhopur Bank of Baroda 29. Sikar Punjab National Bank 30. Sirohi State Bank of India 31. Sri Ganganagar Punjab National Bank 32. Tonk Bank of Baroda 33. Udaipur State Bank of India 22 Sikkim State Bank of India 1. East Sikkim State Bank of India 2. North Sikkim State Bank of India 3. South Sikkim State Bank of India 4. West Sikkim State Bank of India 23 Tamil Nadu Indian Overseas 1. Ariyalur State Bank of India Bank 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 Bank46 14. Madurai Canara Bank 15. Nagapattinam Indian Overseas Bank 16. Namakkal Indian Bank 17. Nilgiris Canara Bank 18. Perambalur Indian Overseas Bank 19. Puddukottai Indian Overseas Bank 20. Ramanathapuram Indian Overseas Bank 21. Ranipet Indian Bank 22. Salem Indian Bank 23. Sivaganga Indian Overseas Bank 24. Tenkasi Indian Overseas Bank 25. Thanjavur Indian Overseas Bank 26. Theni Canara Bank 27. Tiruchirapalli Indian Overseas Bank 28. Tirunelveli Indian Overseas Bank 29. Tirupathur Indian Bank 30. Tiruppur Canara Bank 31. Tiruvallur Indian Bank 32. Tiruvannamalai Indian Bank 33. Tiruvarur Indian Overseas Bank 34. Tuticorin State Bank of India 35. Vellore Indian Bank 36. Viluppuram Indian Bank 37. Virudhunagar Indian Overseas Bank 24 Telangana State Bank of India 1. Adilabad State Bank of India 2. Bhadradri State Bank of India 3. Hyderabad State Bank of India 4. Jagitial Union Bank of India 5. Jangaon (New) State Bank of India 6. Jayashankar State Bank of India 7. Jogulamba Union Bank of India 8. Kamaraeddy Canara Bank 9. Karimnagar State Bank of India 10. Khammam State Bank of India 11. Komram Bheem State Bank of India 12. Mahabubabad State Bank of India 13. Mahabubnagar State Bank of India 14. Mancherial Union Bank of India 15. Medak State Bank of India 16. Medchal- Malkajgiri Canara Bank 17. Mulugu State Bank of India 18. Nagarkurnool Union Bank of India 19. Nalgonda State Bank of India 20. Narayanpet State Bank of India 21. Nirmal State Bank of India 22. Nizamabad State Bank of India 23. Peddapalli Union Bank of India 24. Rajanna Union Bank of India47 25. Ranga Reddy State Bank of India 26. Sangareddy Canara Bank 27. Siddipet Union Bank of India 28. Suryapet State Bank of India 29. Vikarabad State Bank of India 30. Wanaparthy Union Bank of India 31. Warangal (Rural) Union Bank of India 32. Warangal (Urban) State Bank of India 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 26 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 Nagar Bank of Baroda 13. Uttar Kashi State Bank of India 27 Uttar Pradesh Bank 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 Bank48 18. Bulandshahr Punjab National Bank 19. Chandauli Union Bank of India 20. Chhtrapati Sahuji Bank of Baroda 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 28. 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 Nagar Canara Bank (Amroha) 40. Kannauj Bank of India 41. Kanpur Dehat-Rural Bank of Baroda 42. Kanpur Nagar- Bank of Baroda Urban 43. Kansi Ram Nagar Canara Bank (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 Nagar Canara Bank (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 Bank49 58. Muzaffarnagar Punjab National Bank 59. Panchsheel Nagar Canara Bank 60. Pilibhit Bank of Baroda 61. Prabudh Nagar Punjab National Bank (Shamli) 62. Pratapgarh Bank of Baroda 63. Rae Bareli Bank of Baroda 64. Rampur Bank of Baroda 65. Saharanpur Punjab National Bank 66. Sant Kabir Nagar State Bank of India 67. Sant Ravidas Nagar Union Bank of India (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 Parganas Indian Bank 17. Pashchim Punjab National Bank Medinapur 18. Paschim State Bank of India Bardhaman 19. Purba Bardhaman UCO Bank 20. Purba Medinapur Punjab National Bank 21. Purulia Punjab National Bank 22. South 24 Parganas Punjab National Bank 23. 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 Andaman50 3. South Andaman State Bank of India 30 Chandigarh Punjab National 1. Chandigarh (Rural) Punjab National Bank Bank 31 Dadra and Bank of Baroda 1. Dadra and Nagar Bank of Baroda Nagar Haveli Haveli and Daman 2. Daman State Bank of India and Diu 3. Diu State Bank of India 32 Delhi Punjab National 1. Central Delhi Canara Bank Bank 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 2. Leh State Bank of India 35 Lakshadweep Canara Bank 1. Lakshadweep Canara Bank 36 Puducherry Indian Bank 1. Puducherry Indian Bank51 Annex II SLBC/UTLBC Website- Indicative List of contents Menu item Sub Menu Contents Annex About us Background SLBC as a coordinating forum for the development of the state and its functioning - Brief write up SLBC-Members SLBC members with their names and II-1 contact details State Profile Geographical Each district may be linked to the respective Map district website of GOI at NIC portal so as to get district details on clicking the respective district name Infrastructure Power, Transport, Roads & Rail etc Agriculture Acreage under cultivation, Cropping pattern, Irrigation facilities, Farm mechanisation, allied activities, Dairy, Fisheries, Plantation, Horticulture etc, Industries Industrialisation, Status of MSME, Sickness of MSME, Reasons, Rehabilitation Banking Position of banked villages as compared to II-2 total villages in each of the districts SLBC Calendar of Schedule of SLBC meetings for the current II-3 meetings meetings calendar year SLBC-Meetings Details of SLBC meetings held with agenda II-4 held and minutes Lead Bank Lead Banks- Details of Lead banks with names of LDM II-5 Scheme District wise and their contact details ACP-Targets Annual Credit Plan - Targets for the year II-6 ACP- Annual Credit Plan - Sector wise II-7 Achievements achievement CD Ratio Position of district wise CD ratio II-8 Govt Central Brief description of each Central Sponsored Government Government sponsored programme. The Programmes Sponsored Central Government sponsored scheme is programmes to be linked to RBI/GoI guidelines State Brief description of each State Government Government sponsored programme. Sponsored programmes Banking Banking Network- Mode of Banking Services II-9 Network Summary Banking outlets- District wise particulars of branches II-10 Branches-details Banking outlets- District wise particulars of BC outlets II-11 BCs-details Particulars of District wise banking services provided II-12 Banking Services through Other Modes through Other52 Modes Financial SHG bank linkage Bank wise position of savings and credit II-13 Inclusion linked number of SHGs FLCs Database on FLCs II-14 RSETIs District wise position of RSETIs II-15 Submission Web based Submission of data by Lead Banks and of data interface controlling office of banks to SLBC Links Links to related Link to RBI, NABARD, respective State website Government, IBA, Banking Ombudsman, Banks and other related websites53 Annex II-1 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 2354 Annex II-2 Banking services-Villages covered Quarter ended ----- SR District District Total no. of Villages No. of villages which Remarks Name Code(BSR) are having banking outlets(BR/BC/Other) 1 >2000 <2000 >5000 >2000 <2000 >5000 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 TOTAL55 Annex II-3 SLBC-Calendar of meetings for the calendar year -------- SR Year Quarter Scheduled Date of Remarks meeting 1 dd.mm.yyyy 2 3 456 Annex II-4 SLBC - Details of meetings held SR SLBC Date of Attended by Minutes Scheduled Remarks meeting meeting- (Name & Designation) of the date of no.* Agenda meeting meeting as linked per calendar RBI Convenor GOI State Bank Govt 1 dd.mm.yyyy minutes dd.mm.yyyy 2 3 4 5 6 7 8 9 10 11 * SLBC me etings held afte r April 201057 Annex II-5 Details of Lead Banks Quarter ended ----- SR District District Name Name Designation Contact Details Remarks Name code of Lead of LDM (BSR) 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 2358 Annex II-6 Annual Credit Plan-Targets for the year -------- District Name (Amt ` in thousand) S Bank Agric MS Export Educ Hou Social Renew Oth Priority- Non- Total R Name ulture ME Credit ation sing Infrastr able ers Subtotal Prio ucture Energy rity 1 2 3 4 5 6 Commer cial Banks- Sub Total 1 2 3 RRBs- Sub Total 1 2 3 Cooperat ive Banks- Sub Total 1 2 Small Finance Banks- Sub Total 1 2 Wholly Owned Subsidiar ies (WOS) of Foreign Banks- Sub- Total All banks- Total59 Annex II-7 Annual Credit Plan - Achievement Quarter ended ----- (Amt ` in thousand) S Bank Agricu MSME Exp Edu Ho Social Renewa Ot Prio No Tot R Name lture ort cati usi Infrastru ble he rity- n- al Cre on ng cture Energy rs Subt Pri dit otal orit y - 1 2 3 4 5 6 Commerci al Banks- Sub Total 1 2 3 RRBs-Sub Total 1 2 3 Cooperativ e Banks- Sub Total 1 2 Small Finance Banks-Sub Total 1 2 Wholly Owned Subsidiarie s (WOS) of Foreign Banks-Sub Total All banks- Total60 Annex II-8 Credit Deposit Ratio Quarter ended ------- (Amt ` 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 1461 Annex II-9 Banking Network-Summary Quarter ended ----- SR Bank Name Mode of Banking Services Remarks 1 Branch BC Other 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-Total62 Annex II-10 Particulars of Banking outlets- Branches Quarter ended ----- S Distri District Block Locali Population Bank Branch Date of Contact Add Rem R ct Code(B ty/Vill classificati Name Name opening Details ress arks Name SR) age on (M/U/SU/R) dd.mm. 1 yyyy 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 1763 Annex II-11 Particulars of Banking outlets- BCs Quarter ended ----- S District Block Locality/ Populat Bank Base Date Name Tel no. Rem R Name Village ion Name Branch of of BC of BC arks classifi Name openi cation ng of (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 1764 Annex II-12 Particulars of Banking Services provided through Other Modes Quarter ended ----- S District Block Locality/ Population Bank Specify Date of Name of Tel no. Rema R Name Village classification Name Type of opening Contact of rks (M/U/SU/R) mode Official Contact (Rural Official ATM/ Mobile van/ Other dd.mm. 1 yyyy 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 1765 Annex II-13 SHG bank linkage programme Quarter ended ----- (No. in actuals, Amount in thousand) 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-Total66 Annex II-14 Database on FLCs Whet her Premise Run Location s (Bank by FL Date (Metro, branch, Addr Trust Name(s) Con Spon C Distr of Urban, LDM ess or of FL tact FLC sor Email Co ict openi Semi- office, of run Counsell No( Helpline Bank de* ng urban or RSETI, FLC direct or(s) s) rural) Indepen ly by dent) spon 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)67 Annex II-15 Position of RSETI Quarter ended ----- SR District Location Sponsoring Date of Name Contact Details Remarks of RSETI Bank opening of Contact official 1 Tel email Address 2 3 4 5 6 7 8 9 10 11 12 13 14 1568 Annex III 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 columns of District Name, Block name, District code & Block code by 15th of succeeding month following the end of the quarter. ii. HO of each bank shall provide the district & block level report in prescribed format to controlling offices of bank working at state level. iii. Each SLBC shall ensure that their data feeding website/web portal is having a provision for uploading the data by controlling offices of each bank in prescribed format. iv. Each Banks’ Controlling Office at state level responsible to feed the data in respective state shall upload the data in SLBC portal by 20th of succeeding month of 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 & uploaded by Controlling Office/ Lead District Manager (LDM) as is being done now, in SLBC web portal by 20th of succeeding month of the end of the quarter. vi. SLBC Convenor bank should provide the access to LDMs of respective state on SLBC web portal to download the block wise data of their respective district. vii. SLBC Convenor bank should provide the access to controlling office of respective state on SLBC web portal to download the uploaded data to verify the correctness of data. Role of Banks’ Head Offices • Banks’ HOs shall generate the district wise and block wise data of each state in the prescribed format. • Banks’ HOs shall ensure that the mapping of their branches to the block level has been carried out. • HO of each bank shall provide the report in prescribed format to controlling office of bank working at state level.69 • The state code, district code & block code should be as per the Government of India’s census 2011 data. • The amount column in the report should be provided in the actual figure and not it lakhs, crores, billions or millions etc. Role of Controlling Office of Bank working at state level • Each Banks’ controlling office at state level responsible to feed the data in respective state must upload the data in SLBC portal of that state. • For Data pertaining to State Government/ Other data (which is not available on CBS or MIS of the bank), controlling office of the bank at state level will collate the data in format given by SLBC of that state & upload the same on the SLBC portal. Role of SLBC Convenor Bank • SLBC Convenor bank must ensure that their data feeding website/web portal is having a provision for uploading the data in approved format by controlling office of each bank working at state level. • There are 29 formats (flat files) for the data pertains to CBS or available through MIS of the bank. • Other than formats mentioned above, there are 04 excel formats for data pertains to FLCs & RSETI, which is required to be collected from the controlling office of banks at state level. • 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 the new procedure. • SLBC Convenor bank must ensure that LDMs are able to access web portal of SLBC to download the block wise data of their respective district. • SLBC Convenor bank should provide the access to controlling offices of banks of respective state on SLBC web portal to download the uploaded data to verify the correctness of data. • SLBC Convenor bank must ensure that their data feeding website/web portal is having a provision for uploading the block wise ACP target data in approved format by LDMs of that state.70 Role of Lead District Managers (LDMs) • LDMs must upload the block wise ACP target of the district on SLBC portal of the state, by 15th April of the starting of the financial year. • LDMs shall download the block wise information of district for review purpose. The flow chart describing the procedure to be followed in this regard is as follows. FLOW CHART Start Each Banks’ controlling office of Data pertain to LBS or particular state will collate & available on CBS upload the data in website/web NO portal of SLBC of that state Yes concerned HO of each bank will generate the data in approved format HO of each bank will provide the district & block level report in approved format to controlling office of bank working at state level. Each SLBC should have facility in their website/portal for uploading in approved format by controlling office of banks at state level Each Banks’ controlling office of particular state will upload the data in website/web portal of that state. LDMs of the state to be provided the access to SLBC website/portal for downloading the district and block level data & uploading the yearly block wise ACP target of the district, data like RSETIs/ FLCs etc. Complete71 Annex IV LBS- MIS-I Statement showing Targets of Annual Credit Plans (ACP) for the year ended ---------- Name of the State/Union Territory: (No. in actuals, Amount ` in thousands) Sr. No Categories Yearly Targets under ACP Number Amount 1 Priority Sector 1A Agriculture = 1A(i)+1A(ii)+1A(iii) 1A(i) Farm Credit 1A(ii) Agriculture Infrastructure 1A(iii) Ancillary Activities Micro, Small and Medium Enterprises 1B = 1B(i)+1B(ii)+1B(iii)+1B(iv)+1B(v) Micro Enterprises (Manufacturing + 1B(i) Service) Small Enterprises (Manufacturing + 1B(ii) Service ) Medium Enterprises (Manufacturing + 1B(iii) Service) 1B(iv) Khadi and Village Industries 1B(v) Others under MSMEs 1C Export Credit 1D Education 1E Housing 1F Social Infrastructure 1G Renewable Energy 1H Others Subtotal= 2 1A+1B+1C+1D+1E+1F+1G+1H Loans to weaker Sections under 3 Priority Sector 4 Non-Priority Sector 4A Agriculture 4B Education 4C Housing Personal Loans under Non-Priority 4D Sector 4E Others 5 Sub-total = 4A+4B+4C+4D+4E Total=2+5 Note: Data needs to be grouped separately for scheduled commercial banks and other banks like State cooperative banks & DCCBs etc. The data of scheduled commercial banks need to be further grouped into public sector banks, private sector banks, Regional Rural Banks, Small Finance Banks and Wholly Owned Subsidiaries (WOS) of Foreign Banks to know the bank group wise position.72 Annex V LBS- MIS-II Statement showing Disbursements and Outstanding for the quarter ended …………... Name of the State/Union Territory: (No. in actuals, Amount ` in thousands) Disbursements Outstanding upto the upto the end of Sr. end of current quarter current quarter No Sector Number Amount Number Amount 1 Priority Sector 1A Agriculture= 1A(i)+1A(ii)+1A(iii) 1A(i) Farm Credit 1A(ii) Agriculture Infrastructure 1A(iii) Ancillary Activities Micro, Small and Medium Enterprises = 1B 1B(i)+1B(ii)+1B(iii)+1B(iv)+1B(v) 1B(i) Micro Enterprises (Manufacturing + Service) 1B(ii) Small Enterprises (Manufacturing + Service) Medium Enterprises (Manufacturing + 1B(iii) Service) 1B(iv) Khadi and Village Industries 1B(v) Others under MSMEs Export Credit 1C 1D Education 1E Housing 1F Social Infrastructure 1G Renewable Energy 1H Others 2 Sub total= 1A+1B+1C+1D+1E+1F+1G+1H Loans to weaker Sections under Priority 3 Sector 4 Non-Priority Sector 4A Agriculture 4B Education 4C Housing Personal Loans under Non-Priority 4D Sector 4E Others 5 Sub-total=4A+4B+4C+4D+4E Total=2+5 Note: Data needs to be grouped separately for scheduled commercial banks and other banks like State cooperative banks & DCCBs etc. The data of scheduled commercial banks need to be further grouped into public sector banks, private sector banks, Regional Rural Banks, Small Finance Banks and Wholly Owned Subsidiaries (WOS) of Foreign Banks to know the bank group wise position.73 Annex VI LBS- MIS-III Statement showing Achievement vis-à-vis Targets for the quarter ended ……………. Name of the State/Union Territory: (No. in actuals, Amount ` in thousands) Achievement Sr. Yearly Targets upto the end of Sector No under ACP the current quarter (%) Number Amount Number Amount 1 Priority Sector 1A Agriculture= 1A(i)+1A(ii)+1A (iii) 1A(i) Farm Credit 1A(ii) Agriculture Infrastructure 1A(iii) Ancillary Activities Micro, Small and Medium Enterprises = 1B 1B(i)+1B(ii)+1B(iii)+1B(iv)+1B(v) 1B(i) Micro Enterprises (Manufacturing + Service) 1B(ii) Small Enterprises (Manufacturing + Service) Medium Enterprises (Manufacturing + 1B(iii) Service) 1B(iv) Khadi and Village Industries 1B(v) Others under MSMEs 1C Export Credit 1D Education 1E Housing 1F Social Infrastructure 1G Renewable Energy 1H Others 2 Sub total= 1A+1B+1C+1D+1E+1F+1G+1H Loans to weaker Sections under Priority 3 Sector 4 Non-Priority Sector 4A Agriculture 4B Education 4C Housing 4D Personal Loans under Non-Priority Sector 4E Others 5 Sub-total=4A+4B+4C+4D+4E Total=2+5 Note: Data needs to be grouped separately for scheduled commercial banks and other banks like State cooperative banks & DCCBs etc. The data of scheduled commercial banks need to be further grouped into public sector banks, private sector banks, Regional Rural Banks, Small Finance Banks and Wholly Owned Subsidiaries (WOS) of Foreign Banks to know the bank group wise position.74 Appendix List of Circulars/Guidelines/Instructions Sr. Circular No. Date Subject No. 1. FIDD.CO.LBS.BC.No.22/02. March 30, 2020 Amalgamation of Public Sector Banks 01.001/2019-20 – Assignment of SLBC/ UTLBC Convenorship and Lead Bank responsibilities 2. FIDD.CO.LBS.BC.No.20/02. March 26, 2020 Formation of new Union Territory of 01.001/2019-20 The Dadra and Nagar Haveli and Daman and Diu – Assignment of UTLBC Convenorship 3. FIDD.CO.LBS.No.1797/02.0 February 27, 2020 Inclusion of Wholly Owned 1.001/2019-20 Subsidiaries (WOS) of Foreign Banks under Lead Bank Scheme 4. FIDD.CO.LBS.No.1551/02.0 January 23, 2020 Expanding and Deepening of Digital 1.001/2019-20 Payments Ecosystem 5. FIDD.CO.LBS.No.1488/02.0 January 13, 2020 National Strategy for Financial 1.001/2019-20 Inclusion (NSFI): 2019-2024 – Universal Access to Financial Services 6. FIDD.CO.LBS.BC.No.16/02. December 26, Formation of new Union Territory of 01.001/2019-20 2019 Jammu and Kashmir and Union Territory of Ladakh – Assignment of UTLBC Convenorship 7. FIDD.CO.LBS. November 20, Extension of Kisan Credit Card (KCC) No.1036/02.01.001/2019-20 2019 Scheme to Animal Husbandry Farmers and Fisheries 8. FIDD.CO.LBS.BC.No.13/02. October 7, 2019 Expanding and Deepening of Digital 01.001/2019-20 Payments Ecosystem 9. FIDD.CO.LBS.No.475/02.01 August 27, 2019 Recommendations of the High-Level .001/2019-20 Committee on Deepening of Digital Payments – Constitution of a Sub- Committee on Digital Payments 10. FIDD.CO.LBS.BC.No.09/02. August 13, 2019 Direct Benefit Transfer (DBT) Scheme 01.001/2019-20 – Implementation 11. FIDD.CO.LBS.No.387/02.01 August 07, 2019 Financing of projects under Agri- .001/2019-20 clinics and Agri-business center scheme – Review at meetings 12. FIDD.CO.LBS.No.21/02.01. July 03, 2019 Revamp of Lead Bank Scheme – 001/2019-20 Action Points for SLBC Convenor Banks/ Lead Banks – Developing a Standardized system for data flow and its management by SLBC/ UTLBC Convenor Banks on SLBC/ UTLBC websites 13. FIDD.CO.LBS.No.2595/02.0 June 24, 2019 Aligning roadmap for unbanked 1.001/2018-19 villages having population more than75 Sr. Circular No. Date Subject No. 5000 with revised guidelines on Branch Authorization Policy – Regional Rural Banks 14. FIDD.CO.LBS.No.2431/02.0 May 28, 2019 Payments Banks – Participation under 1.001/2018-19 Lead Bank Scheme 15. FIDD.CO.LBS.BC.No.16/02. March 25, 2019 Assignment of SLBC/UTLBC 01.001/2018-19 Convenorship – State of Gujarat and Union Territories of Daman & Diu and Dadra & Nagar Haveli 16. FIDD.CO.LBS.No.3712/02.0 June 05, 2018 Roadmap for opening banking outlets 1.001/2017-18 in villages with population more than 5000 without a bank branch of a scheduled commercial bank 17. FIDD.CO.LBS.No.3671/02.0 May 30, 2018 Lead Bank Scheme – Strengthening 1.001/2017-18 of Monitoring Information System (MIS) 18. FIDD.CO.LBS.BC.No.20/02. April 06, 2018 Action Points for Lead Banks on 01.001/2017-18 Enhancing the Effectiveness of Lead District Managers (LDMs) 19. FIDD.CO.LBS.BC.No.19/02. April 06, 2018 Revamp of Lead Bank Scheme - 01.001/2017-18 Action Points for SLBC Convenor Banks/ Lead Banks 20. FIDD.CO.LBS.No.3017/02.0 April 02, 2018 Small Finance Banks – Participation 1.001/2017-18 under Lead Bank Scheme 21. FIDD.CO.LBS.BC.No.31/02. June 08, 2017 Circular on Aligning roadmap for 01.001/2016-17 unbanked villages with population more than 5000 with revised Guidelines on Branch Authorisation Policy. 22. FIDD.CO.LBS.BC.No.16/02. September 29, Doubling of Farmers’ Income by 2022 01.001/2016-17 2016 - Measures 23. FIDD.CO.LBS.No.5673/02.0 May 20, 2016 Lead Bank Scheme- strengthening of 1.001/2015-16 Monitoring Information System (MIS) 24. FIDD.CO.LBS.BC.No.17/02. January 14, 2016 Direct Benefit Transfer (DBT) Scheme 01.001/2015-16 – Seeding of Aadhaar in Bank Accounts- Clarification 25. FIDD.CO.LBS.BC.No.82/02. December 31, Roadmap for opening brick and 01.001/2015-16 2015 mortar branches in villages with population more than 5000 without a bank branch of a scheduled commercial bank 26. RPCD.CO.LBS.BC.No.93/0 March 14, 2014 Annual Credit Plans – Potential Linked 2.01.001/2013-14 Plan (PLPs) prepared by NABARD 27. RPCD.CO.LBS.BC.No.11/0 July 09, 2013 Direct Benefit Transfer (DBT) Scheme 2.01.001/2013-14 – Implementation - Guidelines 28. RPCD.CO.LBS.BC.No.12/0 July 11, 2013 Lead Bank Scheme – Assignment of 2.08.001/2013-14 Lead Bank Responsibility in districts of Metropolitan Areas76 Sr. Circular No. Date Subject No. 29. RPCD.CO.LBS.BC.No.75/0 May 10, 2013 Direct Benefit Transfer (DBT) Scheme 2.01.001/2012-13 – Implementation 30. RPCD.CO.LBS.BC.No.68/0 March 19, 2013 Lead Bank Scheme – Strengthening 2.01.001/2012-13 of Monitoring Information System 31. RPCD.CO.LBS.BC.No.86/0 June 19, 2012 Roadmap-Provision of banking 2.01.001/2011-12 services in villages with population below 2000 32. RPCD.CO.LBS.B.C.No.68/0 March 29, 2012 SLBC Website - Standardization of 2.01.001/2011-12 information / data 33. RPCD.CO.LBS.B.C.No.67/0 March 20, 2012 Lead Bank Scheme - District 2.01.001/2011-2012 Consultative Committee (DCC) - Inclusion of Director of MSME-DI 34. RPCD.CO.LBS.BC.No.60/0 February 17, 2012 Lead Bank Scheme - Participation of 2.08.001/2011-12 public representatives like MP/MLA/ ZP Chiefs in District Level Review Committee (DLRC) meetings 35. RPCD.CO.LBS.BC.No.74/0 May 30, 2011 Resolution of issues regarding 2.19.010/2010-11 allocation of villages under Electronic Benefit Transfer (EBT) scheme and roadmap for providing banking services in villages with population above 2000 under Financial Inclusion Plan (FIP) 36. RPCD.CO.LBS.BC.No.44/0 December 29, Lead Bank Scheme – Conduct of 2.19.10/2010-11 2010 State Level Bankers' Committee (SLBC)/Union Territory Level Bankers' Committee (UTLBC) meetings 37. RPCD.CO.LBS.HLC.BC.No. September 16, High Level Committee to Review Lead 21/02.19.10/2010-11 2010 Bank scheme- Providing banking services in every village having population of over 2000 38. RPCD.CO.LBS.BC.No.15/0 July 26, 2010 Lead Bank Scheme - Revitalising 2.19.10/2010-11 SLBC Meetings 39. RPCD.CO.LBS.BC.57/02.19 March 02, 2010 Report of the High Level Committee to .10/2009-2010 Review Lead Bank Scheme - Implementation of the Recommendations - Lead banks and SCBs 40. RPCD.CO.LBS.HLC.BC.No. February 26, 2010 Report of the High Level Committee to 56/02.19.10/2009-10 Review Lead Bank Scheme - Implementation of the Recommendations - SLBC Convenor banks 41. RPCD.CO.LBS.HLC.BC.No. November 27, High Level Committee to review LBS- 43/02.19.10/2009-10 2009 Providing banking services in every village having population of over 2000 by March 2011 42. RPCD.LBS.CO.BC.No.111/ June 02, 2009 Sub-Committee of SLBC for Export 02.13.03/2008-09 Promotion77 Sr. Circular No. Date Subject No. 43. RPCD.LBS.CO.BC.No.79/0 December 30, Inclusion of issues pertaining to 2.01.01/2008-2009 2008 MSME Sector in SLBC meeting 44. RPCD.LBS.CO.BC.No.33/0 November 15, Lead Bank Scheme - Inclusion of 2.18.02/2006-07 2006 National Horticulture Board as a permanent member of SLBC of the respective State 45. RPCD.LBS.BC.No.20/02.01. August 30, 2006 Financial Inclusion by extension of 01/2006-07 banking services with 'No Frills' accounts and issue of GCC 46. RPCD.LBS.BC.No.52/02.02. December 06, Financing of projects under Agri 001/2005-06 2005 clinics & Agri Business Centres Scheme – Review at meetings 47. RPCD.No.LBS.BC.50/02.01. December 06, Participation in various fora under 01/2005-06 2005 Lead Bank Scheme 48. RPCD.CO.LBS.BC.No.47/0 November 09, Credit Deposit Ratio - Implementation 2.01.001/2005-06 2005 of recommendations of expert group on CD Ratio 49. RPCD.CO.LBS.BC.No.11/0 July 06, 2005 Participation of MPs/Public 2.01.001/2005-06 Representatives in DLRC meetings - Functions relating to Self Help Groups (SHGs) Credit Linkage Programme 50. RPCD.CO.LBS.BC.No.93/0 April 11, 2005 Rural lending - ACPs based on the 2.01.001/2004-05 Potential Linked Plans (PLPs) prepared by NABARD 51. RPCD.CO.LBS.BC.No.76/0 January 28, 2005 Participation of private sector banks 2.01.001/2004-05 under various fora under Lead Bank Scheme 52. RPCD.LBS(SAA).BC.No.62/ December 08, Rural lending - Service Area Approach 08.01.00/2004-05 2004 - Review - Relaxation in Service Area Norms 53. RPCD.CO.LBS.BC.No.5/02. July 16, 2004 Lead Bank Scheme - Participation of 01.001/2004-05 Members of Parliament and Public Representatives in District Level Review Committee (DLRC) meetings 54. RPCD.CO.LBS.BC.No.56/0 December 20, Credit Flow to Boost Economic 2.01.001/2003-04 2003 Growth 55. RPCD.CO.LBS.BC.No.14/0 July 29, 2003 Convening DLRC meetings - Late 2.01.001/2003-04 submission of reports by lead banks 56. RPCD.CO.LBS.BC.No.59/0 January 06, 2003 Lead Bank Scheme - Participation of 2.01.001/2002-03 Members of Parliament and Public Representatives in District Level Review Committee (DLRC) meetings 57. RPCD.CO.LBS.BC.No.106/ June 14, 2002 Lead Bank Scheme - Participation of 02.01.001/2001-02 Members of Parliament and Public Representatives in District Level Review Committee (DLRC) meetings 58. RPCD.CO.LBS.BC.No.85/0 May 09, 2001 Lead Bank Scheme - Participation of 2.01.001/2000-01 Members of Parliament and Public78 Sr. Circular No. Date Subject No. Representatives in District Level Review Committee (DLRC) meetings 59. RPCD.CO.LBS.BC.No.81/0 April 27, 2001 Lead Bank Scheme - Convening of 2.01.001/2000-01 DLRC Meetings on Quarterly Basis - Monitoring thereof 60. RPCD.LBS.BC.32/02.01.01/ November 03, Lead Bank Scheme - Holding of 2000-01 2000 District Level Review Committee Meeting 61. RPCD.No.LBS.BC.86/02.01. December 16, Inclusion of National Commission for 01/1996-97 1996 Scheduled Castes/Tribes in State Level Bankers Committees (SLBCs) 62. RPCD.No.LBS.BC.13/02.01. July 19, 1996 Inclusion of Representatives of Khadi 01/1996-97 and Village Industries Commission/Boards in SLBC/DCC 63. RPCD.No.LBS.BC.118/02.0 February 18, 1995 Credit Deposit Ratio of Banks in Rural 1.01/94-95 February 18, and Semi-urban Areas 1995 64. RPCD.No.LBS.BC.112/LBC. April 28, 1989 State Level Bankers' Committee - 34/88-89 Meetings 65. RPCD.No.LBS.BC.12/65/88- August 11, 1988 Service Area Approach - Constitution 89 of Block Level Bankers' Committees 66. RPCD.No.LBS.BC.100/55- April 22, 1988 Lead Bank Scheme - District Credit 87/88 Plan - Annual Action Plan 67. RPCD.No.LBS.BC.87/65- March 14, 1988 Rural Lending - Service Area of Bank 87/88 Branches 68. RPCD.No.LBS.BC.69/LBS. December 14, Review of the Annual Action Plans by 34-87/88 1987 State Level Bankers Committees (SLBCs) 69. RPCD.No.LBS.524/55- April 28, 1987 Lead Bank Scheme - Preparation of 86/87 District Credit Plans/Annual Action Plans 70. RPCD.No.LBS.430/55/86- March 03, 1987 Lead Bank Scheme - District Credit 87 Plans - Guidelines for Fourth Round 71. RPCD.No.LBC.363/1-84 November 02, Integration of Annual Action Plans 1984 (AAPs) with the Performance Budgets of Bank Branches 72. RPCD.No.LBC.162/1-84 September 06, Integration of Annual Action Plans 1984 (AAPs) with the Performance Budgets of Bank Branches 73. RPCD.No.LBC.135/55-84 August 30, 1984 Lead Bank Scheme - Annual Action Plan for 1985 - Guidelines for Formulation of 74. RPCD.No.LBC.96/1-84 January 18, 1984 Lead Bank Scheme - Appointment of Lead Bank Officer - District Co- ordinators79 Sr. Circular No. Date Subject No. 75. RPCD.No.LBC.739/1-83 August 04, 1983 Recommendations of the Working Group to Review the Working of the Lead Bank Scheme 76. RPCD.No.3096/C.517- April 13, 1983 Convenorship of the State Level 82/83 Bankers' Committees 77. DBOD.No.BP.B.BC74/C/46 June 18, 1980 Credit Deposit Ratio of banks in Rural 2(E.9)-80 and Semi-Urban Areas 78. DBOD.NO.TEP.20/C.517- February 02, 1977 State Level Bankers’ Committee 77 79. DBOD.No.BD.2955/C.168- August 11, 1970 Lead Bank Scheme 70 80. DBOD.No.BD4327/C.168- December 23, Branch Expansion Programme- 169 1969 Allocation of Districts under the Lead Bank Scheme ******