Master Circular – Lead Bank Scheme

RBI/2022-23/11 FIDD.CO.LBS.BC.No.02/02.01.001/2022-23 April 01, 2022 The Chairman/ Managing Director/ Chief Executive Officer 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 March 31, 2022 as listed in the Appendix I. 2. This Master Circular has been placed on the RBI website https://www.rbi.org.in Yours faithfully, (Sonali Sen Gupta) Chief General Manager-in-Charge Encl.: As above वित्त‍ीय‍समािेशन‍और‍विकास‍विभाग, केन्द्रीय‍कायाालय,10 िी‍मंविल,‍केंरीय‍कायाालय‍भिन, शहीद‍भगतससंह‍मागा,पोस्ट‍बॉक्स‍सं. 10014,‍मबं ई -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 सहदं ी आसान ह,ै इसका प्रयोग‍बढ़ाइए। “चेतािनी: ररज़िा‍बैंकद्वारा‍मेल-डाक,‍एसएमएस‍या‍फोन‍कॉल‍के‍िररए‍ककसी‍की‍भी‍व्‍यव गत‍िानकारी‍िैसे‍बैंक‍के‍खााते‍का‍ब्‍यौ‍य रा,‍पासिडा‍आकद‍नहीं‍मांगी‍िाती‍ह।ै‍यह‍धन‍रखाने‍या‍दने े‍का‍प्रस्‍ताि‍ भी‍नहीं‍करता‍ह।ै‍ऐसे‍प्रस्‍तािों‍का‍ककसी‍भी‍तरीके‍से‍ििाब‍मत‍दीविए।" 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 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 5.3 Aligning roadmap for unbanked villages having population more than 5000 with revised guidelines on Branch Authorisation Policy 5.4 National Strategy for Financial Inclusion (NSFI): 2019-2024 – 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 Ratio3 7 Direct Benefit Transfer 8 Service Area Approach (SAA) 8.1 Dispensing with ‘No Due Certificate’ 9 Doubling of Farmers’ Income by 2022 10 Expanding and Deepening of Digital Payments Ecosystem4 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, former 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. There was overwhelming5 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 and actively involved in the implementation of the Lead Bank Scheme, by leveraging on Information Technology and bringing in their expertise in strategic planning. They were also advised to involve themselves in the preparation as well as implementation of the District Credit Plan(DCP). (vii) Further, Reserve Bank of India 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 banks 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 should6 attend all Block Level Bankers’ Committee meetings in their districts 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. 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.7 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 view the skill mapping and the potential of the region for necessary skill training and skill up gradation of the rural youth in the district.8 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 the support of the Regional/Zonal Office, the office of LDM should be sufficiently strengthened with appropriate infrastructural support. 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). v) Arranging for quarterly awareness and feedback public meetings, grievance redressal etc.9 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. Public representatives (MPs/ MLAs / Zilla Panchayat Chiefs) shall invariably be invited to DLRC meetings. 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., to invite and involve them in all functions conducted by the banks in their 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 forum may also have representatives of State Minority Commission, SC/ST Corporation and representatives of the group of beneficiaries of rural lending. The forum may also consider inviting people with the expertise in the fields, such as progressive farmers and local industrialists as special invitees. The follow up of the DLRC’s decisions is required to be discussed in the DCC meetings. A compendium of instructions outlining the salient features of DLRC forum is given at Annex V. 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 the10 DCC/DLRC meetings, it was observed that late receipt/non-receipt of intimation of the date of meetings, clash of dates with other events, commonality of dates etc., hinder participation of members in these meetings, thus undermining the prime objective of conducting the above meetings. ii) Lead Banks have, therefore, been advised to prepare 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. Lead Banks must fix dates of DLRC meetings taking into account the convenience of the MPs and circulate the agenda papers to MPs well in advance. 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.11 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. 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. The12 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. 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 involved13 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 and 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.14 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 banks. 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.15 14. Timely submission of data by banks, adhering to the schedule of SLBC meeting. 15. Any other item, with the permission of the Chair. 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 meetings 15th January every year 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 meeting and 15 days before end of the quarter submission of data by banks to SLBC Dead line for receipt of information/data by SLBC 15 days from the end of the quarter Convenor Bank Distribution of agenda cum background papers 20 days from the end of the quarter16 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 the To be completed within 30 days of 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. SLBCs should arrange to place the prescribed minimum information on the websites of SLBCs of their bank and keep it updated regularly, at least on quarterly basis. Banks may note17 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 all their19 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: 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)20 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. With a view to simplify the MIS Statements, it had been decided that the quarterly statement on progress under ACP may be prepared in an all-inclusive single format - MIS (Annex IV) containing data on (a) ACP targets (b) ACP achievements/ disbursements and (c) ACP sector/ sub-sector wise loan amount outstanding, for all categories of LBS fora member banks viz. Public Sector Banks, Private Sector Banks, Regional Rural Banks, Small Finance Banks and Rural Cooperative Banks (StCBs and DCCBs). The bank group wise statements as per the prescribed format should be prepared and the same to be placed 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. 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 has21 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. 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.22 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 this purpose. As on March 31, 2022, 12 public sector banks and one private sector bank have been assigned Lead Bank responsibility in 734 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 March 31, 2022, the SLBC/ UTLBC convenorship of 28 States and 8 Union Territories has been assigned to 11 public23 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/ other Government departments concerned, 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 villages 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, 2015.24 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’. 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.25 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 of their bank branches in such areas and take necessary steps to augment the credit flow. The Lead Banks may discuss the problem in all its aspects with the other financial institutions in the district and also in the DCC 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 causes26 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 # In case of credit proposals, received at district level but not sanctionable thereat due to limitations of the sanctioning power, sanctioned at bank’s Head office/ controlling offices and the loan utilised / disbursed in districts through branches, are treated as the loan sanctioned and utilised at district level. Hence, it may be considered at district level for computing CD ratio. As regards calculation of CD ratio on the basis of limit sanctioned/ amount outstanding, it is clarified that the CD ratio may be calculated on the basis of amount outstanding. 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.  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.29  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. ii) The Service Area Approach scheme was reviewed in December 2004 and it was decided to dispense with the restrictive provisions of the scheme while retaining the positive features of the SAA such as credit planning and monitoring of the credit purveyance. Accordingly, under SAA, the allocation of villages among the rural and semi-urban branches of banks were made not applicable for lending except under Government Sponsored Schemes. Thus, while the commercial banks and RRBs are free to lend in any rural and semi-urban area, the borrowers have the choice of approaching any branch for their credit requirements. 8.1 Dispensing with ‘No Due Certificate’ In order to ensure hassle free credit to all borrowers, especially in rural and semi-urban areas and keeping in view the technological developments and the different ways available with banks to avoid multiple financing, banks have been advised to dispense with obtaining a ‘No Due Certificate’ from the individual borrowers (including SHGs & JLGs) in rural and semi-urban areas for all types of loans including loans under30 Government Sponsored Schemes, irrespective of the amount involved unless the Government Sponsored Scheme itself provides for obtention of a ‘No Due Certificate’. Further, it has been 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. 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 processing31  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 Ecosystem 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, Regional32 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. Subsequently, SLBCs/ UTLBCs were also advised to scale up the captioned programme in one or two other districts under their jurisdiction in consultation with State Governments/ UT Administrations and other stakeholders.33 Annex I List of State/ UT-wise SLBC/ UTLBC Convenor Banks and district-wise Lead Banks Sr. State / Union SLBC/UTLBC No. Territory Convenor District District lead bank bank 1 Andhra Union Bank of 1. Anantapur Canara Bank Pradesh India 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 1. Anjaw State Bank of India Pradesh India 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. Kamle State Bank of India 7. Kra Daadi State Bank of India 8. Kurung Kumey State Bank of India 9. Lohit State Bank of India 10. Longding State Bank of India 11. Lower Dibang Valley State Bank of India 12. Lower Subansiri State Bank of India 13. Namsai State Bank of India 14. Pakke Kessang State Bank of India 15. Papum Pare State Bank of India 16. Shi-Yomi State Bank of India 17. Siang State Bank of India 18. Tawang State Bank of India 19. Tirap State Bank of India 20. Upper Siang State Bank of India 21. Upper Subansiri State Bank of India 22. West Kameng State Bank of India 23. West Siang State Bank of India 3 Assam State Bank of 1. Baksa State Bank of India India 2. Barpeta UCO Bank 3. Biswanath Punjab National Bank34 4. Bongaigaon State Bank of India 5. Cachar Punjab National Bank 6. Charaideo Punjab National Bank 7. Chirang State Bank of India 8. Darrang UCO Bank 9. Dhemaji Punjab National Bank 10. Dhubri UCO Bank 11. Dibrugarh Punjab National Bank 12. Goalpara UCO Bank 13. Golaghat Punjab National Bank 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 1. Araria State Bank of India 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 India35 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 India 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 1. Balod Bank of Baroda India 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 tate 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 India36 27. Surajpur Central Bank of India 28. Surguja Central Bank of India 6 Goa State Bank of 1. North Goa State Bank of India India 2. South Goa State Bank of India 7 Gujarat Bank of 1. Ahmedabad State Bank of India Baroda 2. Amreli State Bank of India 3. Anand Bank of Baroda 4. Aravalli Bank of Baroda 5. Banaskantha Bank of Baroda 6. Bharuch Bank of Baroda 7. Bhavnagar State Bank of India 8. Botad Bank of Baroda 9. Chhota Udaipur Bank of Baroda 10. 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 (PanchMahal) Bank of Baroda 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 1. Ambala Punjab National Bank National 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 Bank37 12. Kurukshetra Punjab National Bank 13. Mahendragarh Punjab National Bank 14. Mewat Canara Bank 15. Palwal Punjab National Bank 16. Panchkula Punjab National Bank 17. Panipat Punjab National Bank 18. Rewari Punjab National Bank 19. Rohtak Punjab National Bank 20. Sirsa Punjab National Bank 21. Sonepat Punjab National Bank 22. Yamunanagar Punjab National Bank 9 Himachal UCO Bank 1. Bilaspur UCO Bank Pradesh 2. Chamba State Bank of India 3. Hamirpur Punjab National Bank 4. Kangra Punjab National Bank (Dharamshala) 5. Kinnaur (Peo) Punjab National Bank 6. Kullu Punjab National Bank 7. Lahaul & Spiti State Bank of India (Kelyong) 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-Kharsawan Bank of India 23. Simdega Bank of India38 24. West Singhbhum Bank of India 11 Karnataka Canara Bank 1. Bagalkot Canara Bank 2. Bangalore (Rural) Canara Bank 3. Bangalore (Urban) Canara Bank 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. Vijayanagara State Bank of India 31. 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 (Kalepetta) Canara Bank 13 Madhya Central Bank 1. Agar-Malwa Bank of India Pradesh of India 2. Alirajpur Bank of Baroda39 3. Anuppur Central Bank of India 4. Ashoknagar State Bank of India 5. Balaghat Central Bank of India 6. Barwani Bank of India 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 (Khandwa) Bank of India 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 India40 51. Vidisha State Bank of India 52. West Nimar (Khargone) Bank of India 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 1. Bishnupur Punjab National Bank India 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 Bank41 11. Pherzawal State Bank of India 12. Senapati State Bank of India 13. Temenglong Punjab National Bank 14. Tengnoupal Punjab National Bank 15. Thoubal State Bank of India 16. Ukhrul Punjab National Bank 16 Meghalaya State Bank of 1. East Garo hills State Bank of India India 2. East Jaintia Hills State Bank of India 3. East Khasi Hills State Bank of India 4. Eastern West Khasi Hills Punjab National Bank 5. West Jaintia Hills State Bank of India 6. North Garo Hills State Bank of India 7. Ri Bhoi State Bank of India 8. South Garo Hills State Bank of India 9. South West Garo Hills State Bank of India 10. South West Khasi Hills State Bank of India 11. West Garo hills State Bank of India 12. West Khasi Hills State Bank of India 17 Mizoram State Bank of 1. Aizawal State Bank of India 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 1. Dimapur State Bank of India 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. Noklak State Bank of India 8. Peren State Bank of India 9. Phek State Bank of India 10. Tuensang State Bank of India 11. Wokha State Bank of India 12. 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 Bank42 8. Deogarh State Bank of India 9. Dhenkanal UCO Bank 10. Gajapati Union Bank of India 11. Ganjam Union Bank of India 12. Jagatsinghpur UCO Bank 13. Jajpur State Bank of India 14. Jharsuguda State Bank of India 15. Kalahandi State Bank of India 16. Kandhamal State Bank of India 17. Kendrapara State Bank of India 18. Keonjhar Bank of India 19. Khurda State Bank of India 20. Koraput State Bank of India 21. Malkangiri State Bank of India 22. Mayurbhanj Bank of India 23. Nabarangpur State Bank of India 24. Nayagarh State Bank of India 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 1. Amritsar Punjab National Bank National Bank 2. Barnala State Bank of India 3. Bhatinda State Bank of India 4. Faridkot Punjab & Sind Bank 5. Fategarh Sahib State Bank of India 6. Fazilka Punjab National Bank 7. Ferozepur Punjab National Bank 8. Gurdaspur Punjab National Bank 9. Hoshiarpur Punjab National Bank 10. Jalandhar UCO Bank 11. Kapurthala Punjab National Bank 12. Ludhiana Punjab & Sind Bank 13. Malerkotla State Bank of India 14. Mansa State Bank of India 15. Moga Punjab & Sind Bank 16. Muktsar State Bank of India 17. Nawanshahr Punjab National Bank 18. Pathankot Punjab National Bank 19. Patiala State Bank of India 20. Ropar UCO Bank 21. Sahibzada Ajit Singh Punjab National Bank Nagar (Mohali) 22. Sangrur State Bank of India 23. Tarn Taran Punjab National Bank 21 Rajasthan 1. Ajmer Bank of Baroda43 Bank of 2. Alwar Punjab National Bank Baroda 3. Banswara Bank of Baroda 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 1. East Sikkim State Bank of India 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 1. Ariyalur State Bank of India Overseas 2. Chengalpattu Indian Bank 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 Bank44 12. Karur Indian Overseas Bank 13. Krishnagiri Indian Bank 14. Madurai Canara Bank 15. Mayiladuthurai Indian Overseas Bank 16. Nagapattinam Indian Overseas Bank 17. Namakkal Indian Bank 18. Nilgiris Canara Bank 19. Perambalur Indian Overseas Bank 20. Puddukottai Indian Overseas Bank 21. Ramanathapuram Indian Overseas Bank 22. Ranipet Indian Bank 23. Salem Indian Bank 24. Sivaganga Indian Overseas Bank 25. Tenkasi Indian Overseas Bank 26. Thanjavur Indian Overseas Bank 27. Theni Canara Bank 28. Tiruchirapalli Indian Overseas Bank 29. Tirunelveli Indian Overseas Bank 30. Tirupathur Indian Bank 31. Tiruppur Canara Bank 32. Tiruvallur Indian Bank 33. Tiruvannamalai Indian Bank 34. Tiruvarur Indian Overseas Bank 35. Tuticorin State Bank of India 36. Vellore Indian Bank 37. Viluppuram Indian Bank 38. Virudhunagar Indian Overseas Bank 24 Telangana State Bank of 1. Adilabad State Bank of India 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 India45 22. Nizamabad State Bank of India 23. Peddapalli Union Bank of India 24. Rajanna Union Bank of India 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 1. Dhalai Punjab National Bank National 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 1. Almora State Bank of India 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 (New State Bank of India Tehri) 12. Udham Singh Nagar Bank of Baroda 13. Uttar Kashi State Bank of India 27 Uttar Pradesh Bank of 1. Agra Canara Bank Baroda 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 India46 15. Bhim Nagar Canara Bank 16. Bijnor Punjab National Bank 17. Budaun Punjab National Bank 18. Bulandshahr Punjab National Bank 19. Chandauli Union Bank of India 20. Chhtrapati 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 Nagar Canara Bank 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-Urban Bank of Baroda 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 Bank47 57. Moradabad Canara Bank 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 1. Alipurduar Central Bank of India National 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 Medinapur Punjab National Bank 18. Paschim Bardhaman State Bank of India 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 1. Nicobar Islands State Bank of India Nicobar India 2. North & Middle State Bank of India Islands Andaman 3. South Andaman State Bank of India48 30 Chandigarh Punjab 1. Chandigarh (Rural) Punjab National Bank National Bank 31 Dadra and Bank of 1. Dadra and Nagar Bank of Baroda Nagar Haveli Baroda Haveli and Daman 2. Daman State Bank of India and Diu 3. Diu State Bank of India 32 Delhi Punjab 1. Central Delhi Canara Bank National 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 2. Bandipora J & K Bank Ltd. 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 1. Kargil State Bank of India India 2. Leh State Bank of India 35 Lakshadweep Canara Bank 1. Lakshadweep Canara Bank 36 Puducherry Indian Bank 1. Puducherry Indian Bank49 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 Map respective 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 II-2 to total villages in each of the districts SLBC Calendar of Schedule of SLBC meetings for the II-3 meetings meetings current calendar year SLBC-Meetings Details of SLBC meetings held with II-4 held agenda 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 programmes is 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-details50 Particulars of District wise banking services provided II-12 Banking Services through Other Modes through Other 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 websites51 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 2352 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 TOTAL53 Annex II-3 SLBC -Calendar of meetings for the calendar year -------- SR Year Quarter Scheduled Date of Remarks meeting 1 dd.mm.yyyy 2 3 454 Annex II-4 SLBC - Details of meetings held SR SLBC Date of Attended by (Name & Minutes Schedule Rema meeting meeting- Designation) of the d date of rks no.* Agenda meeting meeting linked as per calendar RBI Convenor GOI State Bank Govt dd.mm.y dd.mm.yy 1 yyy minutes yy 2 3 4 5 6 7 8 9 10 11 * SLBC meetings held after April 201055 Annex II-5 Details of Lead Banks Quarter ended ----- SR District District Name Name Designation Contact Details Rem Name code of Lead of arks (BSR) Bank LDM 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 2356 Annex II-6 Annual Credit Plan-Targets for the year -------- District Name (Amount in thousands) S Bank Ag M Exp Ed Ho Social Rene O Priorit Non- Total R Name ric S ort uca usi Infras wable th y- Prio ult M Cre tion ng tructu Energ er Subto rity ure E dit re y s tal 1 2 3 4 5 6 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- Total57 Annex II-7 Annual Credit Plan - Achievement Quarter ended ----- (Amount in thousands) S Bank Agri M Ex Edu Ho So Ren Ot Pri No Tot R Name cultu S por cati usi cial ewa he orit n- al re M t on ng Infr ble rs y- Pri E Cre ast Ene Su orit dit ruc rgy bto y - tur tal e 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- Total58 Annex II-8 Credit Deposit Ratio Quarter ended ------- (Amount in thousands) SR District District Deposit Credit CD Ratio Remarks Name code 1 2 3 4 5 6 7 8 9 10 11 12 13 1459 Annex II-9 Banking Network-Summary Quarter ended ----- SR Bank Name Mode of Banking Services Remarks Other 1 Branch BC Modes Total 2 3 4 5 6 Commercial Banks-Sub Total 1 2 3 RRBs-Sub Total 1 2 3 4 5 Cooperative Banks-Sub Total 1 2 3 Small Finance Banks-Sub Total 1 2 Wholly Owned Subsidiaries (WOS) of Foreign Banks- Sub Total 1 2 Payments Banks-Sub Total All banks-Total60 Annex II-10 Particulars of Banking outlets- Branches Quarter ended ----- S Distri Distri Bloc Locali Populatio Bank Branc Date Conta Ad R R ct ct k ty/Vill n Nam h of ct dr e Name Code age classifica e Name openi Detail es m (BSR tion ng s s ar ) (M/U/SU/ k R) s dd.m m.yyy 1 y 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 1761 Annex II-11 Particulars of Banking outlets- BCs Quarter ended ----- S District Blo Local Populat Bank Base Date Na Tel no. Rem R Name ck ity/ ion Name Branch of me of BC arks Villa classifi Name openi of ge cation ng of BC (M/U/S BC U/R) outlet dd.mm 1 .yyyy 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 1762 Annex II-12 Particulars of Banking Services provided through Other Modes Quarter ended ----- S Distri Block Loc Populati Bank Specify Date Name of Tel no. Rema R ct ality on Name Type of of Contact of rks Name / classific mode o p e n i Official Contact Villa ation (Rural ng Official ge (M/U/SU/ ATM/ R) Mobile van/ Other dd.m m.yyy 1 y 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 1763 Annex II-13 SHG bank linkage programme Quarter ended ----- (No. in actuals, Amount in thousands) SR Bank Name Savings linked Credit Linked No. of Amount No. of Amount SHGs outstanding SHGs outstanding 1 2 3 4 5 6 Commercial Banks-Sub Total 1 2 3 RRBs-Sub Total 1 2 3 4 5 Cooperative Banks-Sub Total 1 2 Small Finance Banks-Sub Total 1 2 Wholly Owned Subsidiaries (WOS) of Foreign Banks-Sub Total All banks-Total64 Annex II-14 Database on FLCs Whet her Locati Premis Run on es by (Metro (Bank Spo FL Date Addr Trust Name(s) Con FLC , branch nso C Distr of ess or of FL tact Emai Urban, , LDM r Co ict openi of run Counsell No( l Helplin Semi- office, Ban de* ng FLC direct or(s) s) e urban RSETI, k ly by or Indepe spon rural) ndent) sor bank *Note: FLC Code will be a unique five digit code with the first three digits being the district code (Refer sheet titled District Master) and the last two digits represent the FLC Code to be given by SLBC Convenor banks starting from 01 and running sequentially thereafter for each district (For eg. if there are four FLCs in a district, the FLC code will be in the form xxx01, xxx02, xxx03 and xxx04 where xxx represents the district code as per district master sheet)65 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 1566 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.67  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.68 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. CompleteLBS – MIS Annex IV Statement showing Achievement vis-à-vis Targets under the Annual Credit Plan (ACP) for the quarter ended ____ Name of the State/Union Territory: No. of accounts in actuals, Amount in thousands (A) Public Sector Banks (B) Private Sector Banks (C) Regional Rural Banks (D) Small Total (A+B+C+D+E) Finance Banks (E) Rural Cooperative Banks (StCBs and DCCBs) Achievement Achievement ACP Target (Fixed (Disbursement) upto % Achievement ACP Target (Fixed (Disbursement) upto % Achievement Sr. No Sector Amount O/s Amount O/s Annual) the end of current (Disbursement) Annual) the end of current (Disbursement) quarter quarter No. of No. of No. of No. of No. of No. of No. of No. of Amount Amount Amount Amount Amount Amount Amount Amount Acc. Acc. Acc. Acc. Acc. Acc. Acc. Acc. 1 Priority Sector (1A+1B+1C+1D+1E+1F+1G+1H) 1A Agriculture= 1A(i)+1A(ii)+1A (iii) 1A(i) Farm Credit 1A(ii) Agriculture Infrastructure 1A(iii) Ancillary Activities Out of 1A(iii) above, loans upto 50 crore to Start-ups engaged in Agri & Allied services Out of Agriculture, loans to Small & Marginal Farmers 1B MSMEs = 1B(i)+1B(ii)+1B(iii)+1B(iv) Micro Enterprises (Manufacturing + Service) (including 1B(i) Khadi & Village Industries) 1B(ii) Small Enterprises (Manufacturing + Service) 1B(iii) Medium Enterprises (Manufacturing + Service) Other finance to MSMEs (As indicated in Master 1B(iv) Direction on PSL) Out of 1B(iv) above, loans upto 50 crores to Start-ups) 1C Export Credit 1D Education 1E Housing 1F Social Infrastructure 1G Renewable Energy 1H Others Out of 1H above, loans upto 50 crore to Start-ups (other than Agri/ MSME) Sub total Priority Sector Lending = 2 1A+1B+1C+1D+1E+1F+1G+1H 3 Loans to weaker Sections under PSL Out of 3 above, loans to individual women beneficiaries up to ₹1 lakh 4 Non-Priority Sector (4A+4B+4C+4D+4E) 4A Agriculture 4B Education 4C Housing 4D Personal Loans under Non-Priority Sector 4E Others Sub-total Non-Priority Sector Lending = 5 4A+4B+4C+4D+4E Total=2+5Annex V Compendium of instructions - District Level Review Committee (DLRC) Preamble: The District Level Review Committee (DLRC), a district level forum under the aegis of Lead Bank Scheme, primarily aims at facilitating stakeholders to undertake review of the district level credit plans and to devise workable solutions for enhancing flow of credit to deserving sectors, besides serving as a platform for Public Representatives to share their valuable feedback for improvising strategy. Objectives: DLRC forum shall function with the objective of evaluating the progress made in the implementation of Schemes included in District Credit Plan/ Annual Action Plan, identifying problem areas and devising suitable remedial steps. The forum shall act as a platform for public representatives to share their views and opinions on credit needs of the districts and issues and concerns relating to banking services etc. While the objective of the DCC is to serve as a coordination and implementation forum, the DLRC is expected to serve as a review forum. Composition: The DLRC forum shall be chaired by the District Collector/ District Magistrate and attended by all members of the District Consultative Committee (DCC). Public representatives (MPs/ MLAs/ Zilla Panchayat Chiefs) shall invariably invited to DLRC meetings. The forum may also have representatives of State Minority Commission, SC/ ST Corporation and representatives of the group of beneficiaries of rural lending. The forum may also consider inviting people with the expertise in the fields, such as progressive farmers and local industrialists as special invitees. The office of the Lead District Manager (LDM) shall be responsible for convening the meetings of DRLCs and for providing secretarial support for smooth functioning of the forum. Frequency of the meetings: DLRC meetings may be held on a quarterly basis, as hitherto. Indicative agenda: The primary aim of the DLRC forum shall be to review the performance under the aggregated district credit plan on a regular basis. The forum shall also undertake review of lending to priority sectors, Government Sponsored Schemes, performance of banks under various micro insurance and investment schemes launched by the Govt. of India. As the DLRC forum has public representatives as members who are well versed with the ground realities, their views and opinions on the credit needs of the district may be obtained and the same may be considered during the preparation of Potential Linked71 Plan (PLP) by NABARD. Responses to queries from public representatives need to be accorded highest priority and attended to promptly. General instructions:  Since public representative are the most important constituents of the DLRC forum, Lead banks must fix dates of DLRC meetings taking into account the convenience of the MPs and circulate the agenda papers to MPs well in advance.  Lead banks should invariably invite MPs and other public representatives in functions conducted by banks in the districts such as opening of new branches, distribution of KCCs, SHG credit linkage programmes etc.  Deliberations in the DLRC forum may be held as per the indicative agenda. All other issues such as review of FIP, issues related to IT enabled FI, monitoring of FLCs and RSETIs, scaling up FL efforts, doubling farmers’ income by 2022, SHG/ SME financing etc. should be deliberated in DCC as per extant instructions.  Lead Banks should prepare an Annual Schedule of 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. 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 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.  As per extant instructions on LBS, a pre-PLP meeting is required to be convened by LDM during June every year to be attended by banks, Government agencies, etc., to obtain 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. With a view to gain valuable insights on credit needs of the districts from public representatives who are well versed with the ground realities, DLRC for June quarter may be held prior to the pre-PLP meeting.72 Appendix I List of Circulars/ /Guidelines/ Instructions Sr. Circular No. Date Subject No. 1. FIDD.CO.LBS.BC.No.22/ March 30, Amalgamation of Public Sector Banks – 02.01.001/2019-20 2020 Assignment of SLBC/ UTLBC Convenorship and Lead Bank responsibilities 2. FIDD.CO.LBS.BC.No.20/ March 26, Formation of new Union Territory of 02.01.001/2019-20 2020 The Dadra and Nagar Haveli and Daman and Diu – Assignment of UTLBC Convenorship 3. FIDD.CO.LBS. No.1797/ February Inclusion of Wholly Owned Subsidiaries 02.01.001 / 2019-20 27, 2020 (WOS) of Foreign Banks under Lead Bank Scheme 4. FIDD.CO.LBS. No.1551 / January Expanding and Deepening of Digital 02.01.001 / 2019-20 23, 2020 Payments Ecosystem 5. FIDD.CO.LBS. No.1488 / January National Strategy for Financial 02.01.001 / 2019-20 13, 2020 Inclusion (NSFI): 2019-2024 – Universal Access to Financial Services 6. FIDD.CO.LBS.BC.No.16/ December Formation of new Union Territory of 02.01.001/2019-20 26, 2019 Jammu and Kashmir and Union Territory of Ladakh – Assignment of UTLBC Convenorship 7. FIDD.CO.LBS. No.1036 / November Extension of Kisan Credit Card (KCC) 02.01.001 / 2019-20 20, 2019 Scheme to Animal Husbandry Farmers and Fisheries 8. FIDD.CO.LBS.BC.No.13/ October 7, Expanding and Deepening of Digital 02.01.001/2019-20 2019 Payments Ecosystem 9. FIDD.CO.LBS. No.475 / August 27, Recommendations of the High-Level 02.01.001 / 2019-20 2019 Committee on Deepening of Digital Payments – Constitution of a Sub- Committee on Digital Payments 10. FIDD.CO.LBS.BC.No.09/ August 13, Direct Benefit Transfer (DBT) Scheme 02.01.001/2019-20 2019 – Implementation 11. FIDD.CO,LBS. No.387 / August 07, Financing of projects under Agri-clinics 02.01.001 / 2019-20 2019 and Agri-business center scheme – Review at meetings 12. FIDD.CO.LBS. No.21 / July 03, Revamp of Lead Bank Scheme – 02.01.001 / 2019-20 2019 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 / June 24, Aligning roadmap for unbanked villages 02.01.001 / 2018-19 2019 having population more than 5000 with revised guidelines on Branch73 Sr. Circular No. Date Subject No. Authorization Policy – Regional Rural Banks 14. FIDD.CO.LBS. No.2431 / May 28, Payments Banks – Participation under 02.01.001 / 2018-19 2019 Lead Bank Scheme 15. FIDD.CO.LBS.BC.No.16/ March 25, Assignment of SLBC/UTLBC 02.01.001/2018-19 2019 Convenorship – State of Gujarat and Union Territories of Daman & Diu and Dadra & Nagar Haveli 16. FIDD.CO.LBS. June 05, Roadmap for opening banking outlets No.3712/02.01.001/2017- 2018 in villages with population more than 18 5000 without a bank branch of a scheduled commercial bank 17. FIDD.CO.LBS. May 30, Lead Bank Scheme – Strengthening of No.3671/02.01.001/2017- 2018 Monitoring Information System (MIS) 18 18. FIDD.CO.LBS.BC. April 06, Action Points for Lead Banks on No.20/02.01.001/2017-18 2018 Enhancing the Effectiveness of Lead District Managers (LDMs) 19. FIDD.CO.LBS.BC.No.19/ April 06, Revamp of Lead Bank Scheme - Action 02.01.001/2017-18 2018 Points for SLBC Convenor Banks/ Lead Banks 20. FIDD.CO.LBS. No.3017 / April 02, Small Finance Banks – Participation 02.01.001 / 2017-18 2018 under Lead Bank Scheme 21. FIDD.CO.LBS.BC. June 08, Circular on Aligning roadmap for No.31/02.01.001/2016-17 2017 unbanked villages with population more than 5000 with revised Guidelines on Branch Authorisation Policy. 22. FIDD.CO.LBS.BC. September Doubling of Farmers’ Income by 2022 - No.16/02.01.001/2016-17 29, 2016 Measures 23. FIDD.CO.LBS. No.5673/ May 20, Lead Bank Scheme- strengthening of 02.01.001/2015-16 2016 Monitoring Information System (MIS) 24. FIDD.CO.LBS.BC. January Direct Benefit Transfer (DBT) Scheme No.17/ 02.01.001/2015- 14, 2016 – Seeding of Aadhaar in Bank 16 Accounts- Clarification 25. FIDD.CO.LBS.BC. December Roadmap for opening brick and mortar No.82/02.01.001/2015-16 31, 2015 branches in villages with population more than 5000 without a bank branch of a scheduled commercial bank 26. RPCD. CO.LBS. BC. No. March 14, Annual Credit Plans – Potential Linked 93/02.01.001/2013-14 2 0 14 Plan (PLPs) prepared by NABARD 27. RPCD. CO.LBS. BC. No. July 09, Direct Benefit Transfer (DBT) Scheme 11/02.01.001/2013-14 2013 – Implementation - Guidelines 28. RPCD.CO.LBS.BC.No.1 July 11, Assignment of Lead Bank 2/02.08.001/2013-14 2013 Responsibility in districts of Metropolitan Areas 29. RPCD. CO.LBS. BC. No. May 10, Direct Benefit Transfer (DBT) Scheme 75/02.01.001/2012-13 2013 – Implementation 30. RPCD. CO.LBS. BC. No. March 19, Lead Bank Scheme – Strengthening of 68/02.01.001/2012-13 2013 Monitoring Information System74 Sr. Circular No. Date Subject No. 31. RPCD.CO.LBS.BC. June 19, Roadmap-Provision of banking No.86/02.01.001/2011-12 2012 services in villages with population below 2000 32. RPCD. CO. LBS. B.C. March 29, SLBC Website - Standardization of No. 68/02.01.001/2011- 2012 information / data 12 33. RPCD. CO. LBS. B.C. March 20, Lead Bank Scheme - District No. 67/02.01.001/2011- 2012 Consultative Committee (DCC) - 2012 Inclusion of Director of MSME-DI 34. RPCD. CO.LBS. BC. February Lead Bank Scheme - Participation of No.60/02.08.001/2011-12 1 7 , 2 0 1 2 public representatives like MP/MLA/ ZP Chiefs in District Level Review Committee (DLRC) meetings 35. RPCD.CO.LBS.BC.No.7 May 30, Resolution of issues regarding 4 /02.19.010/2010-11 2011 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. December Lead Bank Scheme – Conduct of State No.44 /02.19.10/2010-11 29, 2010 Level Bankers' Committee (SLBC)/Union Territory Level Bankers' Committee (UTLBC) meetings 37. RPCD.CO.LBS.HLC.BC. September High Level Committee to Review Lead No. 21/02.19.10/2010-11 16, 2010 Bank scheme- Providing banking services in every village having population of over 2000 38. RPCD.CO.LBS.BC. July 26, Lead Bank Scheme - Revitalising SLBC No.15/02.19.10/2010-11 2010 Meetings 39. RPCD.CO.LBS.BC.57/ March 02, Report of the High Level Committee to 02.19.10/2009-2010 2010 Review Lead Bank Scheme - Implementation of the Recommendations - Lead banks and SCBs 40. RPCD.CO.LBS.HLC.BC. February Report of the High Level Committee to No.56 /02.19.10/2009-10 26, 2010 Review Lead Bank Scheme - Implementation of the Recommendations - SLBC Convenor banks 41. RPCD. CO. LBS. November High Level Committee to review LBS- HLC.BC. No. 27, 2009 Providing banking services in every 43/02.19.10/2009-10 village having population of over 2000 by March 2011 42. RPCD.LBS.CO.BC. June 02, Sub-Committee of SLBC for Export No.111/02.13.03/2008-09 2009 Promotion 43. RPCD.LBS.CO.BC. December Inclusion of issues pertaining to MSME No.79/ 02.01.01/2008- 30, 2008 Sector in SLBC meeting 200975 Sr. Circular No. Date Subject No. 44. RPCD.LBS.CO.No. May 22, Credit Deposit Ratio – Implementation 10911/02.02.01/ 2006-07 2007 of the recommendations of Expert Group on CD Ratio - Clarifications 45. RPCD.LBS.CO.BC. November Lead Bank Scheme - Inclusion of No.33/02.18.02/2006-07 15, 2006 National Horticulture Board as a permanent member of SLBC of the respective State 46. RPCD. LBS. BC. No.20 August 30, Financial Inclusion by extension of /02.01.01/2006-07 2006 banking services with 'No Frills' accounts and issue of GCC 47. RPCD. LBS. BC. No.52 December Financing of projects under Agri clinics /02.02.001/2005-06 06, 2005 & Agri Business Centres Scheme – Review at meetings 48. RPCD. No. LBS. BC. 50 December Participation in various fora under Lead /02.01.01/2005-06 06, 2005 Bank Scheme 49. RPCD. CO.LBS. BC. November Credit Deposit Ratio - Implementation No.47 /02.01.001/2005- 09, 2005 of recommendations of expert group on 06 CD Ratio 50. RPCD. CO.LBS. BC. July 06, Participation of MPs/Public No.11 /02.01.001/2005- 2005 Representatives in DLRC meetings - 06 Functions relating to Self Help Groups (SHGs) Credit Linkage Programme 51. RPCD.CO.LBS.BC.No.9 April 11, Rural lending - ACPs based on the 3/02.01.001/2004-05 2005 Potential Linked Plans (PLPs) prepared by NABARD 52. RPCD.CO.LBS.BC.No.7 January Participation of private sector banks 6/02.01.001/2004-05 28, 2005 under various fora under Lead Bank Scheme 53. RPCD.LBS(SAA).BC. December Relaxation in Service Area Norms No.62 /08.01.00/2004-05 08, 2004 54. RPCD.CO.LBS.BC. July 16, Lead Bank Scheme - Participation of No.5/02.01.001/2004-05 2004 Members of Parliament and Public Representatives in District Level Review Committee (DLRC) meetings 55. RPCD. CO.LBS. BC. December Credit Flow to Boost Economic Growth No.56 /02.01.001/2003- 20, 2003 04 56. RPCD. CO.LBS. BC. July 29, Convening DLRC meetings - Late No.14 /02.01.001/2003- 2003 submission of reports by lead banks 04 57. RPCD. CO.LBS. BC. January Lead Bank Scheme - Participation of No.59 /02.01.001/2002- 06, 2003 Members of Parliament and Public 03 Representatives in District Level Review Committee (DLRC) meetings 58. RPCD. CO.LBS. BC. June 14, Lead Bank Scheme - Participation of No.106 /02.01.001/2001- 2002 Members of Parliament and Public 02 Representatives in District Level Review Committee (DLRC) meetings76 Sr. Circular No. Date Subject No. 59. RPCD. CO.LBS. BC. May 09, Lead Bank Scheme - Participation of No.85 /02.01.001/2000- 2001 Members of Parliament and Public 01 Representatives in District Level Review Committee (DLRC) meetings 60. RPCD. CO.LBS. BC. April 27, Lead Bank Scheme - Convening of No.81 /02.01.001/2000- 2001 DLRC Meetings on Quarterly Basis - 01 Monitoring thereof 61. RPCD.LBS.BC.32/02.01. November Lead Bank Scheme - Holding of District 01/2000-01 03, 2000 Level Review Committee Meeting 62. RPCD.No.LBS.BC.86/02. December Inclusion of National Commission for 01.01/1996-97 16, 1996 Scheduled Castes/Tribes in State Level Bankers Committees (SLBCs) 63. RPCD.No.LBS.BC.13/02. July 19, Inclusion of Representatives of Khadi 01.01/1996-97 1996 and Village Industries Commission/Boards in SLBC/DCC 64. RPCD.No.LBS.BC.118/0 February Credit Deposit Ratio of Banks in Rural 2.01.01/94-95 February 18, 1995 and Semi-urban Areas 18, 1995 65. RPCD.No.LBS.BC.112/L April 28, State Level Bankers' Committee - BC.34/88-89 1989 Meetings 66. RPCD.No.LBS.BC.12/65/ August 11, Service Area Approach - Constitution of 88-89 1988 Block Level Bankers' Committees 67. RPCD.No.LBS.BC.100/5 April 22, Lead Bank Scheme - District Credit 5-87/88 1988 Plan - Annual Action Plan 68. RPCD.No.LBS.BC.87/65- March 14, Rural Lending - Service Area of Bank 87/88 1988 Branches 69. RPCD.No.LBS.BC.69/LB December Review of the Annual Action Plans by S.34-87/88 14, 1987 State Level Bankers Committees (SLBCs) 70. RPCD.No.LBS.524/55- April 28, Lead Bank Scheme - Preparation of 86/87 1987 District Credit Plans/Annual Action Plans 71. RPCD.No.LBS.430/55/86 March 03, Lead Bank Scheme - District Credit -87 1987 Plans - Guidelines for Fourth Round 72. RPCD.No.LBC.363/1-84 November Integration of Annual Action Plans 02, 1984 (AAPs) with the Performance Budgets of Bank Branches 73. RPCD.No.LBC.162/1-84 September Integration of Annual Action Plans 06, 1984 (AAPs) with the Performance Budgets of Bank Branches 74. RPCD.No.LBC.135/55- August 30, Lead Bank Scheme - Annual Action 84 1984 Plan for 1985 - Guidelines for Formulation of77 Sr. Circular No. Date Subject No. 75. RPCD.No.LBC.96/1-84 January Lead Bank Scheme - Appointment of 18, 1984 Lead Bank Officer - District Co- ordinators 76. RPCD.No.LBC.739/1-83 August 04, Recommendations of the Working 1983 Group to Review the Working of the Lead Bank Scheme 77. RPCD.No.3096/C.517- April 13, Convenorship of the State Level 82/83 1983 Bankers' Committees 78. DBOD.No. BP.B. BC June 18, Credit Deposit Ratio of banks in Rural 74/C/462(E.9)-80 1980 and Semi-Urban Areas 79. DBOD.NO.TEP.20/C.517 February State Level Bankers’ Committee -77 02, 1977 80. DBOD.No. BD.2955/ August 11, Lead Bank Scheme C.168-70 1970 81. DBOD.No. BD4327/ December Branch Expansion Programme- C.168-169 23, 1969 Allocation of Districts under the Lead Bank Scheme78 Appendix II Other References of Directions / Circulars Relevant to Lead Bank Scheme Sr. Reference No Date Subject No. 1 FIDD.GSSD.CO.BC.No.0 September Master Circular – Deendayal 6/09.01.01/2020-21 18, 2020 Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) [Public Sector Banks, Private Sector Banks (including Small Finance Banks)] 2 FIDD.CO.Plan.BC.5/04.0 September Master Directions - Priority Sector 9.01/2020-21 04, 2020 Lending (PSL) – Targets and Classification [All Commercial Banks including Regional Rural Banks, Small Finance Banks, Local Area Banks and Primary (Urban) Co-operative Banks other than Salary Earners’ Banks] 3 FIDD.FID.BC.No.02/12.0 July 01, Master Circular on SHG-Bank Linkage 1.033/2020-21 2020 Programme [All SCBs] 4 FIDD.GSSD.BC.No.04/09 July 01, Master Circular - Credit Facilities to .10.01/2019-20 2019 Minority Communities [All SCBs & SFBs (excluding RRBs and Foreign banks with less than 20 branches)] 5 FIDD.CO.GSSD.BC.No.0 July 01, Master Circular - Credit Facilities to 3/09.09.001/2019-20 2019 Scheduled Castes (SCs) & Scheduled Tribes (STs) [All SCBs & SFBs] 6 FIDD.GSSD.CO.BC.No.0 July 01, Master Circular –Deendayal 1/09.16.03/2019-20 2019 Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM) [All SCBs & SFBs] 7 DBR.RRB.BL.BC.No.40/3 May 31, Rationalisation of Branch 1.01.002/2018-19 2019 Authorisation Policy – Revision of Guidelines (RRBs) 8 FIDD.CO.FSD.BC October Master Direction – Reserve Bank of No.9/05.10.001/2018-19 17, 2018 India (Relief Measures by Banks in Areas affected by Natural Calamities) Directions 2018 – SCBs (including SFBs and excluding RRBs) 9 FIDD.CO.FSD.BC. October Master Direction – Reserve Bank of No.10/05.10.001/2018-19 17, 2018 India (Relief Measures by Banks in Areas affected by Natural Calamities) Directions 2018 – RRBs79 Sr. Reference No Date Subject No. 10 FIDD.MSME & July 24, Master Direction - Lending to Micro, NFS.12/06.02.31/2017- 2017 Small & Medium Enterprises (MSME) 18 (updated Sector [SCBs (excluding RRBs)] as on April 25, 2018) 11 FIDD. FLC. BC. July 13, Financial Literacy by FLCs (Financial No.11/12.01.018/2017-18 2017 Literacy Centres) and rural branches - Revision in funding limits, Audio-visual content and provision of hand held projectors [Scheduled Commercial Banks (Including RRBs & Small Finance Banks)] 12 FIDD.CO.SFB.No.9/04.0 July 06, Small Finance Banks – Compendium 9.001/2017-18 2017 of Guidelines on Financial Inclusion and Development. 13 DBR.No.BAPD.BC.69/22. May 18, Rationalisation of Branch 01.001/2016-17 2017 Authorisation Policy- Revision of Guidelines [All Domestic SCBs (excluding RRBs), SFBs Payments Banks and LABs] 14 FIDD.FLC.BC.No.12/12.0 August 25, Financial Literacy Centres - Revised 1.018/2016-17 2016 reporting formats [SCBs including RRBs]