Master Circular – Lead Bank Scheme

RBI/2024-25/02 FIDD.CO.LBS.BC.No.01/02.01.001/2024-25 April 01, 2024 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, 2024 as listed in the Appendix I. 2. This Master Circular has been placed on the RBI website https://www.rbi.org.in Yours faithfully, (Nisha Nambiar) Chief General Manager-in-Charge Encl.: As above वित्‍तीय‍समािेशन‍और‍विकास‍विभाग, केन्द्रीय‍कायाालय,10 िी‍मंविल,‍केंरीय‍कायाालय‍भिन, शहीद‍भगतससंह‍मागा,पोस्ट‍बॉक्स‍सं. 10014,‍म ंबई -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-मले : cgmincfidd@rbi.org.in सहंदी आसान ह,ै इसका प्रयोग‍बढ़ाइए। “चेतािनी: ररज़िा‍बैंकद्वारा‍मेल-डाक,‍एसएमएस‍या‍फोन‍कॉल‍के‍िररए‍ककसी‍की‍भी‍व्‍यविगत‍िानकारी‍िैसे‍बैंक‍के‍खाते‍का‍ब्‍यौरा,‍पासिडा‍आकद‍नहीं‍मांगी‍िाती‍ह।ै‍यह‍धन‍रखने‍या‍देने‍का‍प्रस्‍ताि‍ 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.Structure 1 Introduction 2 Fora under Lead Bank Scheme 2.1 Block Level Bankers’ Committee 2.2 District Consultative Committee (DCC) 2.2.1 Constitution of DCC 2.2.2 Conduct of DCC Meetings 2.2.3 Agenda for DCC Meetings 2.2.4 Role of LDMs 2.2.5 Quarterly Public Meeting and Grievance Redressal 2.2.6 District Level Review Committee (DLRC) Meetings 2.2.7 DCC/DLRC meetings – Annual Calendar of Meetings 2.3 State Level Bankers’ Committee (SLBC) 2.3.1 Constitution of SLBC 2.3.2 Conduct of SLBC Meetings 2.3.3 Revised Agenda for SLBC Meetings 2.3.4 SLBC – Yearly Calendar of Meetings 2.3.5 SLBC Website – Standardization of information/data 2.3.6 Liaison with State Government 2.3.7 Capacity Building/Training/Sensitization Programmes 3 Implementation of Lead Bank Scheme 3.1 Preparation of credit plans 3.2 Potential Linked Credit Plans (PLPs) 3.3 Monitoring the performance of credit plans 3.4 Revised mechanism of Data Flow for LBS fora meetings 4 Assignment of Lead Bank Responsibility 5 Banking Penetration 5.1 Roadmap for provision of banking services in unbanked villages Roadmap for opening brick and mortar branches in villages with 5.2 population more than 5000 without a bank branch of a scheduled commercial bank Aligning roadmap for unbanked villages having population more than 5.3 5000 with revised guidelines on Branch Authorisation Policy National Strategy for Financial Inclusion (NSFI): 2019-2024 – 5.4 Universal Access to Financial Services 6 Credit Deposit Ratio 6.1 CD Ratio of banks in Rural and Semi-Urban Areas 6.2 Implementation of the recommendations of Expert Group on CD Ratio 7 Direct Benefit Transfer 8 Service Area Approach (SAA) 8.1 Dispensing with ‘No Due Certificate’ 9 Enhancing Farmers’ Income 10 Expanding and Deepening of Digital Payments Ecosystem 2Introduction (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 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 (PSBs) 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 PSBs 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 LBS was introduced by the Reserve Bank of India (RBI) in December 1969.The Scheme aims at coordinating the activities of banks and other developmental agencies through various fora 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 a 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 LBS 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 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 overwhelming consensus that LBS needs to continue. Based on the recommendations of the Committee, guidelines 3were issued to State Level Bankers’ Committee (SLBC) Convenor banks and Lead Banks for implementation. (vi) Envisaging greater role for private sector banks (PvSBs), Lead Banks were advised to ensure that PvSBs are more closely and actively involved in the implementation of the LBS, by leveraging on Information Technology and bringing in their expertise in strategic planning. They were also advised to involve themselves in preparation as well as implementation of the District Credit Plan (DCP). (vii) Further, RBI 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 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 resolves operational issues in the implementation of the credit programmes of banks. The Lead District Manager (LDM) of the district is the Chairman of the BLBC. All the banks operating in the block including Small Finance Banks (SFBs), Wholly Owned Subsidiaries (WOS) of Foreign Banks, Regional Rural Banks (RRBs), District Central Co-operative Banks (DCCBs), 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 LBS, 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 should attend all BLBC 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 4the RBI selectively attends the BLBC meetings. Representatives of Panchayat Samitis are also invited to attend the meetings at half yearly intervals to share their knowledge and experience on rural development in the credit planning exercise. Payments Banks (PBs) should also be invited to attend the meetings. 2.2 District Consultative Committee 2.2.1 Constitution of DCC District Consultative Committees (DCCs) 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 LBS. The District Collector is the Chairman of the DCC meetings. RBI, NABARD, all commercial banks including SFBs, WOS of Foreign Banks, RRBs, PBs, State / District Central Co-operative Banks, various State Government departments and allied agencies are the members of the DCC. The LDO represents the RBI as a member of the DCC. The 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. 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 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) Specific issues inhibiting and enabling IT enabled financial inclusion 5iii) 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 RSETI1 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) Enhancing Farmers’ Income ix) Assistance under Government sponsored schemes x) Grant of educational loans xi) Progress under SHG - bank linkage xii) SME financing and 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. Lead Banks may include any other agenda item considered necessary. 2.2.4 Role of Lead District Managers As the effectiveness of the LBS depends on the dynamism of the District Collectors and the 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 necessities for LDMs to discharge their core responsibilities may be provided to their 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 bank officials, district administration officials as 1 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 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. 6also 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/s may be given to the LDMs to overcome the shortage of staff in case appropriate staff is not posted at LDM’s office. Further, for successful functioning of the LBS, 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 and District Level Review Committee (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. 2.2.5 Quarterly Public Meeting and Grievance Redressal The LDM should convene a quarterly public meeting at various locations in the district, in coordination with the LDO of RBI, banks having presence in the area and other stakeholders to generate awareness on 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 Meetings DLRC meetings are chaired by the District Collector and attended by members of the 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 implementation of various programmes under the LBS in the district. Hence, 7association 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 (KCCs), Self Help Group (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 expertise in 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 the DCC/ DLRC meetings, it was observed that late receipt/ non-receipt of intimation of the date of meetings, clash of dates with other events, commonality of dates, etc., hinder participation of members in these meetings, thus undermining the prime objective of conducting the 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, LDO of the RBI and Public Representatives in case of DLRC. This yearly calendar should be prepared at 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 8account the convenience of the MPs and circulate the agenda papers to MPs well in advance. 2.3 State Level Bankers’ Committee 2.3.1 Constitution of SLBC i) The State Level Bankers’ Committee 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 SFBs, WOS of Foreign Banks, RRBs, PBs, State Cooperative Banks, RBI, NABARD, heads of Government departments including representatives from National Commission for Scheduled Castes/Tribes, National Horticulture Board, Khadi & Village Industries Commission, etc., and representatives of financial institutions operating in a State, who come together and sort out coordination problems at the policy implementation level. Representatives of various organizations from different sectors of the economy like industry bodies, retail traders, exporters, farmers’ unions, etc. are special invitees in the SLBC meetings for discussing their specific problems, if any. SLBC meetings are held on quarterly basis. The responsibility for convening the SLBC meetings would be of the SLBC Convenor Bank of the State. ii) Recognising that SLBCs, primarily as a committee of bankers at the State level, play an important role in the development of the State, illustrative guidelines on the conduct of SLBC 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/ GM(O-i-C) 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 9effective 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. The sub-committee may be chaired by the Convenor (i.e., generally General Manager) of the SLBC Convenor Bank. iv) Other issue-specific sub-committees may be constituted as required. The sub- committees may examine the specific issues relating to agriculture, micro, small/medium industries/enterprises, handloom finance, export promotion and financial inclusion, etc., in-depth and devise solutions/recommendations for adoption by the full committee. They are expected to meet more frequently than the SLBC. The composition of the sub-committees and subjects/ specific issues impeding/enabling financial inclusion to be deliberated upon, may vary from State to State depending on the specific problems/issues faced by the States. 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 10in new ideas for furthering the objectives of the LBS. 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 (BCs) – hurdles/issues involved c. Progress in increasing digital modes of payment in the State, provision of continuous connectivity with sufficient bandwidth, resolving connectivity issues/ connectivity options (Bharat Net, VSAT, etc.), installation of ATMs and PoS machines and status of implementation of e-receipts and e-payments in the State d. Status of rollout of Direct Benefit Transfer (DBT) 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. 112. 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 affordable housing d. KCC loan, crop insurance under PMFBY e. Grant of Educational Loans f. Progress under SHG-bank linkage. 3. Enhancing Farmers’ Income 4. CD Ratio, Review of Districts with CD Ratio below 40% and working of Special sub-committees of the DCC (SSC). 5. Position of NPAs in respect of schematic lending, Certificate Cases and Recovery of NPAs. 6. Review of restructuring of loans in natural calamity affected districts in the State, if any. 7. Discussion on policy initiatives of the Central/State Government/RBI (Industrial Policy, MSME Policy, Agriculture Policy, Start-Up Policy, etc.), and expected involvement of banks. 8. Discussion on improving rural infrastructure/ credit absorption capacity: a. Any large project conceived by the State Government to help improve CD 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. 1210. Steps taken for improving land records, progress in digitization of land records and seamless loan disbursements. 11. Sharing of success stories and new initiatives at the district level that can be replicated in other districts or across the State. 12. Discussion on Market Intelligence Issues, e.g.: a. Ponzi Schemes/ Illegal Activities of Unincorporated Bodies/ Firms/ Companies Soliciting Deposits from the Public b. Banking Related Cyber Frauds, phishing, etc. c. Instances of usurious activities by lending entities in the area, cases of over indebtedness d. Credit related frauds by borrower groups, etc. 13. Issues remaining unresolved at DCC/DLRC meeting. 14. Timely submission of data by banks, adhering to the schedule of SLBC meeting. 15. Any other item, with the permission of the 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) at 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 13for timely data submission. Further, in case the Chief Minister, Finance Minister or other senior functionaries are not able to attend the SLBC on some 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 quarter Holding of the meeting Within 45 days from the end of the quarter Forwarding the minutes of the meeting to all Within 10 days from holding the stakeholders meeting Follow-up of the action points 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 and Government Departments. It is expected to save precious time of SLBC Convenors that is 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 14time 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 is given in the Annex II. SLBCs should arrange to place the prescribed minimum information on the websites of SLBCs of their bank and keep it updated regularly, at least on quarterly basis. Banks may note that the list is only 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 LBS. 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 LBS. ii) Staff at the operational level of banks and government agencies associated with implementation of the LBS 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. 153. Implementation of Lead Bank Scheme 3.1 Preparation of credit plans Planning plays an important role in the implementation of the LBS and a bottom-up approach is adopted to map the existing potential for development. Under LBS, planning starts with identifying block-wise/ activity-wise potential estimated for various sectors. 3.2 Potential Linked Credit Plans 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 (BCP). 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 carbon foot-print, b. prevent 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 the 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 16year. 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 SFBs, WOS of Foreign Banks and Head Office of RRBs and DCCB/LDB circulate the accepted block- wise/activity-wise potential to all their branches for preparing the 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 BLBC meeting is convened for each block where the BCPs 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 DCP is then placed before the DCC by the Lead District Manager for final acceptance/approval. All the DCPs are eventually aggregated into a State Level Credit Plan to be prepared by the 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. 173.3 Monitoring the Performance of Credit Plans The performance of the credit plans is reviewed in the various fora created under the Lead Bank Scheme as shown below: At Block Level Block Level Bankers’ Committee (BLBC) At District Level District Consultative Committee (DCC) & District Level Review Committee (DLRC) At State Level State Level Bankers’ Committee (SLBC) Monitoring of LBS by RBI - Monitoring Information System (MIS) i) Data on 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. The definition of MSMEs will be as per Government of India (GoI), Gazette Notification S.O. 2119 (E) dated June 26, 2020 read with circular RBI/2020-2021/10 FIDD.MSME andNFS.BC.No.3/06.02.31/2020-21 read with FIDD.MSME and NFS. BC. No.4/06.02.31/2020-21 dated July 2, 2020, August 21, 2020 respectively on ‘Credit flow to Micro, Small and Medium Enterprises Sector’ and updated from time to time. 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. PSBs, PvSBs, RRBs, SFBs 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 SCBs and facilitate a meaningful review/analysis of data, the ACP data needs to be grouped separately for SCBs and other banks like State Cooperative Banks (StCBs), DCCBs, etc. while presenting in the DCC/SLBC meetings and submitting to our Regional Offices. The data pertaining to SCBs needs to be further grouped into public sector 18banks, private sector banks, RRBs, and 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 has been an issue as a significant portion of this data is manually compiled and entered into the Data Management Systems of the SLBC Convenor Banks. The extent to which this data corresponds with the data present in the Core Banking Solution (CBS) of the respective banks also varies significantly. Therefore, there is need of a standardized system to be developed on the website maintained by each SLBC to enable uploading and downloading of the data pertaining to the Block, District as well as the State. The relevant data must also be directly downloadable from the CBS and/ or MIS of the banks with a view to keeping manual intervention to a minimal level in the process. The procedure relating to the envisaged intervention in this area is given below: Management of Data Flow at LBS Fora – Procedure i. Each bank’s CBS should have a provision to generate a report pertaining to all LBS related data/ tables to Excel. This data should have information pertaining to all the branches operating in the state including fields/ columns for District and 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. 19iii. 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. 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. 204. 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, 2024, 12 public sector banks and two private sector banks (Jammu & Kashmir Bank and ICICI Bank) have been assigned Lead Bank responsibility in 779 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, 2024, the SLBC/ UTLBC convenorship of 28 States and 8 Union Territories has been assigned to 11 public sector banks and one private sector bank. A list of State/UT wise SLBC/UTLBC Convenor Banks and district wise Lead Banks is given in Annex I. iii) The Lead Bank Scheme (LBS) has been extended to the districts in the metropolitan areas, thus bringing the entire country under the fold of the Lead Bank Scheme. 5. Banking Penetration i) Over the years, the focus of the Lead Bank Scheme has shifted to inclusive growth and financial inclusion. The use of Information Technology (IT) and intermediaries has enabled banks to increase the outreach, scale and depth of banking services at affordable cost. ii) SLBC Convenor Banks/ Lead Banks are advised to focus attention on the need for achieving 100% financial inclusion through penetration of banking services in the rural areas. Revised guidelines on ‘Rationalisation of Branch Authorisation Policy’ issued by the Department of Regulation (DoR), RBI on May 18, 2017 advised banks 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 21security, 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, BCs 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 2000 population was rolled out. SLBC Convenor Banks and Lead Banks were advised to complete the process of providing banking services in unbanked villages with population below 2000 by August 14, 2015. 5.2 Roadmap for opening brick and mortar branches in villages with population more than 5000 without a bank branch of a scheduled commercial bank As brick and mortar branches are an integral component of financial inclusion, it was decided to focus on villages with population above 5000 without a bank branch of a SCB. 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 for ensuring close supervision of BC operations. Accordingly, SLBC Convenor Banks were advised to identify villages with population above 5000 without a branch of a SCB in their State and allot these villages among SCBs (including RRBs) 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 the DoR circular dated May 18, 2017 on ‘Rationalisation of Branch Authorisation Policy - Revision of Guidelines’, final guidelines on ‘Banking Outlets’ have been issued 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 22the 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 total banking outlets in unbanked rural centres in Tier 5 and 6 centres, as prescribed vide DoR circular dated May 18, 2017, banks should give priority to villages without a banking outlet having population more than 5000 (i.e., Tier 5 centres) and ensure that all such villages under their jurisdiction are covered with a CBS-enabled Banking Outlet on priority basis. iii) The updated list of URCs 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 SCBs, RRBs, Small Finance Banks (SFBs) and 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 is 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, banks should, nevertheless, ensure that wide disparity in the ratios between different States/ Regions is avoided to minimise regional imbalance in credit deployment. The credit dispensation in certain districts is very low, due to various factors, such as, lack of necessary infrastructure, varying ability of different regions to absorb credit, etc. Banks may review the performance of their branches in such areas and take 23necessary steps to augment credit flow. The Lead Banks may discuss the problem in all its aspects with other financial institutions in the district and also in the DCC forum. 6.2 Implementation of the Recommendations of the Expert Group on CD Ratio i) An Expert Group was constituted by the Government of India to go into the nature and magnitude of the problem of low CD Ratio across States/ Regions and to suggest steps to overcome the problem. The Expert Group examined the problems and causes of low CD Ratio and made recommendations. As per the recommendations, the CD Ratio of banks should be monitored at different levels based on the following parameters: Institution / Level Indicator Individual Banks at Head Office Cu + RIDF State Level (SLBC) Cu + RIDF District Level Cs# Where: Cu = Credit as per place of Utilization Cs# = Credit as per place of Sanction RIDF = Total Resource support provided to States under RIDF # In case of credit proposals received at district level but not sanctionable thereat due to limitations of the sanctioning power and sanctioned at bank’s Head office/ controlling offices and the loan utilised / disbursed in districts through branches, are treated as 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 based on 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 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 districts with CD Ratio less than 20 percent need to be treated on a special footing. 24ii) SSCs of the DCC should be set up in the districts having CD Ratio less than 40 percent, to monitor the CD Ratio and to draw up Monitorable Action Plans (MAPs) to increase the CD Ratio. The 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. The functions of the SSC are as under: • The SSCs should draw up 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 based on 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 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 SLBC Convenor. • Based on the feedback received from the DCC regarding the progress in implementation of the 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 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. 25For this, • All such districts should first be placed in a special category. • Thereafter, the responsibility for increasing their CD Ratio should be taken by banks and State Governments and the districts should be "adopted" by the District Administration and the Lead Bank jointly. • While banks would be responsible for credit disbursement, the State Government would be required to give an upfront commitment regarding its responsibilities for creation of identified rural infrastructure together with support in creating an enabling environment for banks to lend and to recover their dues. • 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 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/ DBT implementation. As a prerequisite to the implementation of 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 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. 26• ensure that district and village wise names and other details of BCs engaged/ other arrangements made by the bank are displayed on the SLBC website. • set up a Complaint Grievance Redressal mechanism in each bank and nominate a Complaint Redressal Officer in each district, to redress the grievances related to ‘seeding of Aadhaar number in bank accounts'. Banks were further advised to ensure that opening of bank accounts and seeding of Aadhaar numbers with existing or new accounts of eligible beneficiaries opened for the purpose of 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 10, 2021) 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 SCBs including RRBs. 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 SAA 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 individual borrowers (including SHGs and 27JLGs) in rural and semi-urban areas for all types of loans, including loans under Government Sponsored Schemes, irrespective of the amount involved unless the Government Sponsored Scheme itself provides for obtention of a ‘No Due Certificate’. Further, it 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 CICs, as required in terms of extant instructions issued by RBI. 9. Enhancing Farmers’ Income 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 were taken towards attaining this objective, including setting up of an inter-ministerial committee for preparation of a blue print for the same. This agenda was reiterated by the government in several fora and 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 processing. • Creation of a national farm market, removing distortions and development of infrastructure such as e-platform across 585 stations. 28• Strengthening of the crop insurance scheme to mitigate risks at affordable cost. • Promotion of ancillary activities like poultry, bee-keeping and fisheries. • Diversification towards high value crops needs to be promoted at district level, accordingly value chain needs to be developed for those high value crops. • Creation of a Start-up Ecosystem in agriculture and allied sector. • Promotion of organic farming in the country. 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 enhancing farmers’ Income. 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 ‘Enhancing Farmers’ Income as a regular agenda under the LBS in various fora such as SLBC, DCC, DLRC and BLBC c. For monitoring and reviewing the progress, Lead Banks may use 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 would endeavour to make the district 100% digitally enabled. With this, every individual in the district would be able to make/ receive payments digitally in a safe, secure, quick, affordable and convenient manner. SLBC/ 29UTLBC Convenor Banks were also advised to devise a time bound roadmap for all branches of member banks (Public Sector Banks, Private Sector Banks, RRBs, SFBs and PBs) 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 the SLBC/ UTLBC level. Subsequently, SLBCs/ UTLBCs have been advised to devise a timebound roadmap to cover all the districts in their respective States/UTs and make them 100% digitally enabled. 30Annex I List of State/ UT-wise SLBC/ UTLBC Convenor Banks and district-wise Lead Banks Sr. State / Union SLBC/UTLBC District District Lead Bank No. Territory Convenor bank 1 Andhra Union Bank of India 1. Alluri Sitharama Union Bank of India Pradesh Raju 2. Anakapalli Union Bank of India 3. Ananthapuramu Canara Bank (earlier name – Anantapur) 4. Annamayya State Bank of India 5. Bapatla Union Bank of India 6. Chittoor Indian Bank 7. Dr. B R Union Bank of India Ambedkar Konaseema (earlier name – Konaseema) 8. East Godavari Union Bank of India 9. Eluru Union Bank of India 10. Guntur Union Bank of India 11. Kakinada Union Bank of India 12. Krishna Indian Bank 13. Kurnool Canara Bank 14. Nandyal Union Bank of India 15. NTR Union Bank of India 16. Palnadu Union Bank of India 17. Parvathipuram State Bank of India Manyam 18. Prakasam Canara Bank 19. Sri Potti Canara Bank Sriramulu Nellore (Earlier name – Nellore) 20. Sri Sathya Sai Canara Bank 21. Srikakulam Union Bank of India 22. Tirupati Union Bank of India 23. Visakhapatnam State Bank of India 24. Vizianagaram State Bank of India 25. West Godavari Union Bank of India 26. Y.S.R (Earlier Canara Bank Name – Kadapa) 2 Arunachal State Bank of India 1. Anjaw State Bank of India Pradesh 2. Changlang State Bank of India 3. Dibang Valley State Bank of India 4. East Kameng State Bank of India 5. East Siang State Bank of India 6. Kamle State Bank of India 317. Kra Daadi State Bank of India 8. Kurung Kumey State Bank of India 9. Leparada State Bank of India 10. Lohit State Bank of India 11. Longding State Bank of India 12. Lower Dibang State Bank of India Valley 13. Lower Siang State Bank of India 14. Lower Subansiri State Bank of India 15. Namsai State Bank of India 16. Pakke Kessang State Bank of India 17. Papum Pare State Bank of India 18. Shi-Yomi State Bank of India 19. Siang State Bank of India 20. Tawang State Bank of India 21. Tirap State Bank of India 22. Upper Siang State Bank of India 23. Upper Subansiri State Bank of India 24. West Kameng State Bank of India 25. West Siang State Bank of India 3 Assam State Bank of India 1. Baksa State Bank of India 2. Barpeta UCO Bank 3. Bongaigaon State Bank of India 4. Cachar Punjab National Bank 5. Charaideo Punjab National Bank 6. Chirang State Bank of India 7. Darrang UCO Bank 8. Dhemaji Punjab National Bank 9. Dhubri UCO Bank 10. Dibrugarh Punjab National Bank 11. Goalpara UCO Bank 12. Golaghat Punjab National Bank 13. Hailakandi Punjab National Bank 14. Hojai State Bank of India 15. Jorhat Punjab National Bank 16. Kamrup UCO Bank 17. Kamrup Metro UCO Bank 18. Karbi Anglong State Bank of India 19. Karimganj Punjab National Bank 20. Kokrajhar UCO Bank 3221. Lakhimpur Punjab National Bank 22. Majuli Punjab National Bank 23. Morigaon Punjab National Bank 24. Nagaon Punjab National Bank 25. Nalbari UCO Bank 26. North Cachar State Bank of India Hills 27. Sivasagar Punjab National Bank 28. Sonitpur UCO Bank 29. South Salmara- UCO Bank Mankachar 30. Tinsukia Punjab National Bank 31. Udalguri State Bank of India 32. West Karbi State Bank of India Anglong 4 Bihar State Bank of India 1. Araria State Bank of India 2. Arwal Punjab National Bank 3. Aurangabad Punjab National Bank 4. Banka UCO Bank 5. Begusarai UCO Bank 6. Bhabua (Kaimur) Punjab National Bank 7. Bhagalpur UCO Bank 8. Bhojpur (Arrah) Punjab National Bank 9. Buxar Punjab National Bank 10. Darbhanga Central Bank of India 11. East Champaran Central Bank of India 12. Gaya Punjab National Bank 13. Gopalgunj Central Bank of India 14. Jamui State Bank of India 15. Jehanabad Punjab National Bank 16. Katihar Central Bank of India 17. Khagaria Union Bank of India 18. Kishanganj State Bank of India 19. Lakhisarai Punjab National Bank 20. Madhepura State Bank of India 21. Madhubani Central Bank of India 3322. Monghyr UCO Bank 23. Muzaffarpur Central Bank of India 24. Nalanda Punjab National Bank 25. Nawada Punjab National Bank 26. Patna Punjab National Bank 27. Purnea State Bank of India 28. Rohtas Punjab National (Sasaram) 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 Central Bank of India Champaran 5 C hhattisgarh S tate Bank of India 1. Balod Bank of Baroda 2. Baloda Bazar State Bank of India 3. Balrampur Central Bank of India 4. Bastar State Bank of India 5. Bemetara State Bank of India 6. Bijapur State Bank of India 7. Bilaspur State Bank of India 8. Dantewada State Bank of India 9. Dhamtari Bank of Baroda 10. Durg Bank of Baroda 11. Gariaband Bank of Baroda 12. Gaurela-Pendra- S t a t e B a nk of India Marwahi 13. Janjgir Champa State Bank of India 14. Jashpur State Bank of India 15. Kabirdham State Bank of India 16. Kanker State Bank of India 17. Khairagarh- State Bank of India Chhuikhadan- Gandai 18. Kondagaon State Bank of India 19. Korba State Bank of India 20. Korea Central Bank of India 21. Mahasamund Bank of Baroda 22. Manendragarh- Central Bank of India Chirmiri-Bharatpur (MCB) 3423. Mohla-Manpur- Bank of Baroda Ambagarh Chouki 24. Mungeli State Bank of India 25. Narayanpur State Bank of India 26. Raigarh State Bank of India 27. Raipur Bank of Baroda 28. Rajnandgaon Bank of Baroda 29. Sakti State Bank of India 30. Sarangarh- State Bank of India Bilaigarh 31. Sukma State Bank of India 32. Surajpur Central Bank of India 33. Surguja Central Bank of India 6 Goa State Bank of India 1. North Goa State Bank of India 2. South Goa State Bank of India 7 G ujarat B ank of Baroda 1. Ahmedabad State Bank of India 2. Amreli State Bank of India 3. Anand Bank of Baroda 4. Aravalli Bank of Baroda 5. Banaskantha Bank of Baroda 6. Bharuch Bank of Baroda 7. Bhavnagar State Bank of India 8. Botad Bank of Baroda 9. Chhota Udaipur Bank of Baroda 10. Dahod Bank of Baroda 11. Dangs Bank of Baroda 12. Devbhumi Bank of Baroda Dwarka 13. Gandhinagar State Bank of India 14. Gir Somnath State Bank of India 15. Godhra Bank of Baroda (PanchMahal) 16. Jamnagar State Bank of India 17. Junagadh State Bank of India 18. Kheda Bank of Baroda 19. Kutch (Bhuj) Bank of Baroda 20. Mahisagar Bank of Baroda 21. Mehsana Bank of Baroda 22. Morbi State Bank of India 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 3533. Valsad Bank of Baroda 8 Haryana Punjab National 1. Ambala Punjab National Bank Bank 2. Bhiwani Punjab National Bank 3. Charki Dadri Punjab National Bank 4. Faridabad Canara Bank 5. Fatehabad Punjab National Bank 6. Gurgaon Canara Bank 7. Hisar Punjab National Bank 8. Jhajjar Punjab National Bank 9. Jind Punjab National Bank 10. Kaithal Punjab National Bank 11. Karnal Punjab National Bank 12. Kurukshetra Punjab National Bank 13. Mahendragarh Punjab National Bank 14. Nuh Canara Bank 15. Palwal Punjab National Bank 16. Panchkula Punjab National Bank 17. Panipat Punjab National Bank 18. Rewari Punjab National Bank 19. Rohtak Punjab National Bank 20. Sirsa Punjab National Bank 21. Sonepat Punjab National Bank 22. Yamunanagar Punjab National Bank 9 Himachal UCO Bank 1. Bilaspur UCO Bank Pradesh 2. Chamba State Bank of India 3. Hamirpur Punjab National Bank 4. Kangra Punjab National (Dharamshala) Bank 5. Kinnaur (Peo) Punjab National Bank 366. Kullu Punjab National Bank 7. Lahaul & Spiti State Bank of India (Kelyong) 8. Mandi Punjab National Bank 9. Shimla UCO Bank 10. Sirmaur UCO Bank 11. Solan UCO Bank 12. Una Punjab National Bank 10 Jharkhand Bank of India 1. Bokaro Bank of India 2. Chatra Bank of India 3. Deoghar State Bank of India 4. Dhanbad Bank of India 5. Dumka Indian Bank 6. East Singhbhum Bank of India 7. Garhwa State Bank of India 8. Giridih Bank of India 9. Godda Indian Bank 10. Gumla Bank of India 11. Hazaribag Bank of India 12. Jamtara State Bank of India 13. Khunti Bank of India 14. Koderma Bank of India 15. Letehar State Bank of India 16. Lohardaga Bank of India 17. Pakur State Bank of India 18. Palamu State Bank of India 19. Ramgarh Bank of India 20. Ranchi Bank of India 21. Sahibganj State Bank of India 22. Seraikela- Bank of India Kharsawan 23. Simdega Bank of India 24. West Bank of India Singhbhum 11 K arnataka Canara Bank 1. Bagalkote Canara Bank 2. Ballari Canara Bank 3. Belagavi Canara Bank 4. Bengaluru Rural Canara Bank 5. Bengaluru Urban Canara Bank 6. Bidar State Bank of India 7. Chamarajanagar State Bank of India 8. Chikkaballapur Canara Bank 9. Chikkamagaluru Union Bank of India 10. Chitradurga Canara Bank 11. Dakshina Canara Bank Kannada 3712. Davangere Canara Bank 13. Dharwad Bank of Baroda 14. Gadag State Bank of India 15. Hassan Canara Bank 16. Haveri Bank of Baroda 17. Kalaburagi State Bank of India 18. Kodagu Union Bank of India 19. Kolar Canara Bank 20. Koppal State Bank of India 21. Mandya Bank of Baroda 22. Mysuru State Bank of India 23. Raichur State Bank of India 24. Ramanagara Union Bank of India 25. Shivamogga Canara Bank 26. Tumakuru State Bank of India 27. Udupi Canara Bank 28. Uttar Kannada Canara Bank 29. Vijayanagara State Bank of India 30. Vijayapura Canara Bank 31. Yadgir State Bank of India 12 Kerala Canara Bank 1. Alappuzha State Bank of India 2. Ernakulam State Bank of India 3. Idukki State Bank of India 4. Kannur Canara Bank 5. Kasaragod Canara Bank 6. Kollam Indian Bank 7. Kottayam State Bank of India 8. Kozhikode Canara Bank 9. Malappuram Canara Bank 10. Palakkad Canara Bank 11. Pathanamthitta State Bank of India 12. Indian Overseas Thiruvananthapuram Bank 13. Thrissur Canara Bank 14. Wayanad Canara Bank (Kalepetta) 13 Madhya Central Bank of 1. Agar-Malwa Bank of India P radesh I ndia 2. Alirajpur Bank of Baroda 3. Anuppur Central Bank of India 4. Ashoknagar State Bank of India 5. Balaghat Central Bank of India 6. Barwani Bank of India 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 3813. Damoh State Bank of India 14. Datia Punjab National Bank 15. Dewas Bank of India 16. Dhar Bank of India 17. Dindori Central Bank of India 18. East Nimar Bank of India (Khandwa) 19. Guna State Bank of India 20. Gwalior Central Bank of India 21. Harda State Bank of India 22. Hoshangabad Central Bank of India 23. Indore Bank of India 24. Jabalpur Central Bank of India 25. Jhabua Bank of Baroda 26. Katni State Bank of India 27. Maihar Indian Bank 28. Mandla Central Bank of India 29. Mandsaur Central Bank of India 30. Mauganj Union Bank of India 31. Morena Central Bank of India 32. Narsinghpur Central Bank of India 33. Neemuch State Bank of India 34. Niwari State Bank of India 35. Pandhurna Central Bank of India 36. Panna State Bank of India 37. Raisen Central Bank of India 38. Rajgarh Bank of India 39. Ratlam Central Bank of India 40. Rewa Union Bank of India 41. Sagar Central Bank of India 42. Satna Indian Bank 43. Seoni State Bank of India 44. Shahdol Central Bank of India 45. Shajapur Bank of India 46. Sheopur Kala State Bank of India 47. Shivpuri State Bank of India 48. Sidhi Union Bank of India 49. Sihore Bank of India 50. Singrauli Union Bank of India 51. Tikamgarh State Bank of India 52. Ujjain Bank of India 53. Umaria State Bank of India 54. Vidisha State Bank of India 55. West Nimar Bank of India (Khargone) 14 Maharashtra Bank of 1. Ahmednagar Central Bank of India Maharashtra 2. Akola Central Bank of India 3. Amravati Central Bank of India 394. Beed State Bank of India 5. Bhandara Bank of India 6. Buldhana Central Bank of India 7. Chandrapur Bank of India 8. Chhatrapati Bank of Maharashtra Sambhajinagar 9. Dharashiv State Bank of India 10. Dhule Central Bank of India 11. Gadchiroli Bank of India 12. Gondia Bank of India 13. Hingoli State Bank of India 14. Jalgaon Central Bank of India 15. Jalna Bank of Maharashtra 16. Kolhapur Bank of India 17. Latur State Bank of India 18. Mumbai City Bank of Baroda 19. Mumbai Bank of Baroda Suburban 20. Nagpur Bank of India 21. Nanded State Bank of India 22. Nandurbar State Bank of India 23. Nashik Bank of Maharashtra 24. Palghar Bank of Maharashtra 25. Parbhani State Bank of India 26. Pune Bank of Maharashtra 27. Raigad Bank of India 28. Ratnagiri Bank of India 29. Sangli Bank of India 30. Satara Bank of Maharashtra 31. Sindhudurg Bank of India 32. Solapur Bank of India 33. Thane Bank of Maharashtra 34. Wardha Bank of India 35. Washim State Bank of India 36. Yavatmal Central Bank of India 15 M anipur S tate Bank of India 1. Bishnupur Punjab National Bank 2. Chandel State Bank of India 3. Churachandpur State Bank of India 4. Imphal East Punjab National Bank 5. Imphal West State Bank of India 6. Jiribam Punjab National Bank 7. Kakching State Bank of India 8. Kamjong Punjab National Bank 9. Kangpokpi State Bank of India 4010. Noney Punjab National Bank 11. Pherzawal State Bank of India 12. Senapati State Bank of India 13. Temenglong Punjab National Bank 14. Tengnoupal Punjab National Bank 15. Thoubal State Bank of India 16. Ukhrul Punjab National Bank 16 Meghalaya State Bank of India 1. East Garo hills State Bank of India 2. East Jaintia Hills State Bank of India 3. East Khasi Hills State Bank of India 4. Eastern West Punjab National Khasi Hills Bank 5. North Garo Hills State Bank of India 6. Ri Bhoi State Bank of India 7. South Garo Hills State Bank of India 8. South West Garo S t a t e Bank of India Hills 9. South West State Bank of India Khasi Hills 10. West Garo hills State Bank of India 11. West Jaintia State Bank of India Hills 12. West Khasi Hills State Bank of India 17 Mizoram State Bank of India 1. Aizawl State Bank of India 2. Champhai State Bank of India 3. Hnahthial State Bank of India 4. Khawzawl State Bank of India 5. Kolasib State Bank of India 6. Lawngtlai State Bank of India 7. Lunglei State Bank of India 8. Mamit State Bank of India 9. Saitual State Bank of India 10. Serchhip State Bank of India 11. Siaha State Bank of India 18 Nagaland State Bank of India 1. Chumoukedima Bank of Baroda 2. Dimapur State Bank of India 3. Kiphire State Bank of India 4. Kohima State Bank of India 5. Longleng State Bank of India 6. Mokokchung State Bank of India 7. Mon State Bank of India 8. Niuland State Bank of India 9. Noklak State Bank of India 10. Peren State Bank of India 11. Phek State Bank of India 4112. Shamator State Bank of India 13. Tseminyu State Bank of India 14. Tuensang State Bank of India 15. Wokha State Bank of India 16. Zunheboto State Bank of India 19 O disha U CO Bank 1. Angul UCO Bank 2. Balasore UCO Bank 3. Bargah State Bank of India 4. Bhadrak UCO Bank 5. Bolangir State Bank of India (Balangir) 6. Boudh State Bank of India 7. Cuttack UCO Bank 8. Deogarh State Bank of India 9. Dhenkanal UCO Bank 10. Gajapati Union Bank of India 11. Ganjam Union Bank of India 12. Jagatsinghpur UCO Bank 13. Jajpur State Bank of India 14. Jharsuguda State Bank of India 15. Kalahandi State Bank of India 16. Kandhamal State Bank of India 17. Kendrapara State Bank of India 18. Keonjhar Bank of India 19. Khurda State Bank of India 20. Koraput State Bank of India 21. Malkangiri State Bank of India 22. Mayurbhanj Bank of India 23. Nabarangpur State Bank of India 24. Nayagarh State Bank of India 25. Nuapada State Bank of India 26. Puri UCO Bank 27. Rayagada State Bank of India 28. Sambalpur State Bank of India 29. Sonepur State Bank of India 30. Sundargarh State Bank of India 20 Punjab Punjab National 1. Amritsar Punjab National Bank Bank 2. Barnala State Bank of India 3. Bhatinda State Bank of India 4. Faridkot Punjab & Sind Bank 5. Fategarh Sahib State Bank of India 6. Fazilka Punjab National Bank 7. Ferozepur Punjab National Bank 8. Gurdaspur Punjab National Bank 429. Hoshiarpur Punjab National Bank 10. Jalandhar UCO Bank 11. Kapurthala Punjab National Bank 12. Ludhiana Punjab & Sind Bank 13. Malerkotla State Bank of India 14. Mansa State Bank of India 15. Moga Punjab & Sind Bank 16. Muktsar State Bank of India 17. Nawanshahr Punjab National Bank 18. Pathankot Punjab National Bank 19. Patiala State Bank of India 20. Ropar UCO Bank 21. Sahibzada Ajit Punjab National Singh Nagar Bank (Mohali) 22. Sangrur State Bank of India 23. Tarn Taran Punjab National Bank 21 R ajasthan B ank of Baroda 1. Ajmer Bank of Baroda 2. Alwar Punjab National Bank 3. Anupgarh Punjab National Bank 4. Balotra State Bank of India 5. Banswara Bank of Baroda 6. Baran Central Bank of India 7. Barmer State Bank of India 8. Beawar Bank of Baroda 9. Bharatpur Punjab National Bank 10. Bhilwara Bank of Baroda 11. Bikaner State Bank of India 12. Bundi Bank of Baroda 13. Chittorgarh Bank of Baroda 14. Churu Bank of Baroda 15. Dausa UCO Bank 16. Deeg Punjab National Bank 17. Dholpur Punjab National Bank 18. Didwana- UCO Bank Kuchaman 19. Dudu UCO Bank 20. Dungarpur Bank of Baroda 21. Gangapur City Bank of Baroda 22. Hanumangarh State Bank of India 4323. Jaipur Punjab National Bank 24. Jaipur Rural State Bank of India 25. Jaisalmer State Bank of India 26. Jalore State Bank of India 27. Jhalawar Central Bank of India 28. Jhunjhunu Bank of Baroda 29. Jodhpur Punjab National Bank 30. Jodhpur Rural ICICI Bank 31. Kekri Bank of Baroda 32. Khairthal-Tijara Punjab National Bank 33. Kirauli Bank of Baroda 34. Kota Central Bank of India 35. Kotputli-Behror Punjab National Bank 36. Nagaur UCO Bank 37. Neem Ka Thana State Bank of India 38. Pali State Bank of India 39. Phalodi UCO Bank 40. Pratapgarh Bank of Baroda 41. Rajsamand State Bank of India 42. Salumber ICICI Bank 43. Sanchore State Bank of India 44. Sawai Madhopur Bank of Baroda 45. Shahpura Bank of Baroda 46. Sikar Punjab National Bank 47. Sirohi State Bank of India 48. Sri Ganganagar Punjab National Bank 49. Tonk Bank of Baroda 50. Udaipur State Bank of India 22 Sikkim State Bank of India 1. Gangtok (Earlier State Bank of India Name - East Sikkim) 2. Gyalshing State Bank of India (Earlier Name - West Sikkim) 3. Mangan (Earlier State Bank of India Name - North Sikkim) 4. Namchi (Earlier State Bank of India Name - South Sikkim) 5. Pakyong Central Bank of India 6. Soreng State Bank of India 23 T amil Nadu 1. Ariyalur State Bank of India 44Indian Overseas 2. Chengalpattu Indian Bank B ank 3. Chennai Indian Overseas Bank 4. Coimbatore Canara Bank 5. Cuddalore Indian Bank 6. Dharmapuri Indian Bank 7. Dindigul Canara Bank 8. Erode Canara Bank 9. Kallakurichi Indian Bank 10. Kanchipuram Indian Bank 11. Kanyakumari Indian Overseas Bank 12. Karur Indian Overseas Bank 13. Krishnagiri Indian Bank 14. Madurai Canara Bank 15. Mayiladuthurai Indian Overseas Bank 16. Nagapattinam Indian Overseas Bank 17. Namakkal Indian Bank 18. Nilgiris Canara Bank 19. Perambalur Indian Overseas Bank 20. Puddukottai Indian Overseas Bank 21. Indian Overseas Ramanathapuram Bank 22. Ranipet Indian Bank 23. Salem State Bank of India 24. Sivaganga Indian Overseas Bank 25. Tenkasi Indian Overseas Bank 26. Thanjavur Indian Overseas Bank 27. Theni Canara Bank 28. Tiruchirapalli Indian Overseas Bank 29. Tirunelveli Indian Overseas Bank 30. Tirupathur Indian Bank 31. Tiruppur Canara Bank 32. Tiruvallur Indian Bank 33. Tiruvannamalai Indian Bank 34. Tiruvarur Indian Overseas Bank 35. Tuticorin State Bank of India 36. Vellore Indian Bank 37. Viluppuram Indian Bank 4538. Virudhunagar Indian Overseas Bank 24 Telangana State Bank of India 1. Adilabad State Bank of India 2. Bhadradri State Bank of India 3. Hanumakonda State Bank of India (earlier name - Warangal (Urban)) 4. Hyderabad State Bank of India 5. Jagitial Union Bank of India 6. Jangaon (New) State Bank of India 7. Jayashankar State Bank of India 8. Jogulamba Union Bank of India 9. Kamareddy Canara Bank 10. Karimnagar State Bank of India 11. Khammam State Bank of India 12. Komram Bheem State Bank of India 13. Mahabubabad State Bank of India 14. Mahabubnagar State Bank of India 15. Mancherial Union Bank of India 16. Medak State Bank of India 17. Medchal- Canara Bank Malkajgiri 18. Mulugu State Bank of India 19. Nagarkurnool Union Bank of India 20. Nalgonda State Bank of India 21. Narayanpet State Bank of India 22. Nirmal State Bank of India 23. Nizamabad State Bank of India 24. Peddapalli Union Bank of India 25. Rajanna Union Bank of India 26. Ranga Reddy State Bank of India 27. Sangareddy Canara Bank 28. Siddipet Union Bank of India 29. Suryapet State Bank of India 30. Vikarabad State Bank of India 31. Wanaparthy Union Bank of India 32. Warangal Union Bank of India (earlier name - Warangal (Rural)) 33. Yadadri Canara Bank 25 Tripura Punjab National 1. Dhalai Punjab National Bank Bank 2. Gomati Punjab National Bank 3. Khowai Punjab National Bank 4. North Tripura Punjab National Bank 465. Sepahijala Punjab National Bank 6. South Tripura Punjab National Bank 7. Unakoti Punjab National Bank 8. West Tripura Punjab National Bank 26 Uttarakhand State Bank of India 1. Almora State Bank of India 2. Bageshwar State Bank of India 3. Chamoli State Bank of India 4. Champawat State Bank of India 5. Dehradun Punjab National Bank 6. Haridwar Punjab National Bank 7. Nainital Bank of Baroda 8. Pauri Garwal State Bank of India 9. Pithoragarh State Bank of India 10. Rudraprayag State Bank of India 11. Tehri Garhwal State Bank of India (New Tehri) 12. Udham Singh Bank of Baroda Nagar 13. Uttar Kashi State Bank of India 27 U ttar Pradesh B ank of Baroda 1. Agra Canara Bank 2. Aligarh Canara Bank 3. Allahabad Bank of Baroda 4. Ambedkar Nagar Bank of Baroda 5. Auraiya Central Bank of India 6. Azamgarh Union Bank of India 7. Baghpat Canara Bank 8. Bahraich Indian Bank 9. Ballia Central Bank of India 10. Balrampur Indian Bank 11. Banda Indian Bank 12. Barabanki Bank of India 13. Bareilly Bank of Baroda 14. Basti State Bank of India 15. Bhim Nagar Canara Bank 16. Bijnor Punjab National Bank 17. Budaun Punjab National Bank 18. Bulandshahr Punjab National Bank 19. Chandauli Union Bank of India 20. Chhtrapati Bank of Baroda Sahuji Maharaj Nagar 4721. Chitrakoot Indian Bank 22. Deoria Central Bank of India 23. Etah Canara Bank 24. Etawah Central Bank of India 25. Faizabad Bank of Baroda 26. Farukhabad Bank of India 27. Fatehpur Bank of Baroda 28. Firozabad State Bank of India 29. Gautam Buddha Canara Bank Nagar 30. Ghaziabad Canara Bank 31. Ghazipur Union Bank of India 32. Gonda Indian Bank 33. Gorakhpur State Bank of India 34. Hamirpur Indian Bank 35. Hardoi Bank of India 36. Jalaun Indian Bank 37. Jaunpur Union Bank of India 38. Jhansi Punjab National Bank 39. Jyotiba Phule Canara Bank Nagar (Amroha) 40. Kannauj Bank of India 41. Kanpur Dehat- Bank of Baroda Rural 42. Kanpur Nagar- Bank of Baroda Urban 43. Kansi Ram Canara Bank Nagar (Kasganj) 44. Kaushambi Bank of Baroda 45. Kushi Nagar Central Bank of India (Padrauna) 46. Lakhimpur-Kheri Indian Bank 47. Lalitpur Punjab National Bank 48. Lucknow Bank of India 49. Mahamaya Canara Bank Nagar (Hathras) 50. Maharajganj State Bank of India 51. Mahoba Indian Bank 52. Mainpuri Bank of India 53. Mathura Canara Bank 54. Mau (Mau Nath Union Bank of India Bahnjan) 55. Meerut Canara Bank 56. Mirzapur Indian Bank 57. Moradabad Canara Bank 58. Muzaffarnagar Punjab National Bank 4859. Panchsheel Canara Bank Nagar 60. Pilibhit Bank of Baroda 61. Prabudh Nagar Punjab National (Shamli) Bank 62. Pratapgarh Bank of Baroda 63. Rae Bareli Bank of Baroda 64. Rampur Bank of Baroda 65. Saharanpur Punjab National Bank 66. Sant Kabir State Bank of India Nagar 67. Sant Ravidas Union Bank of India Nagar (Bhadohi) 68. Shahjahanpur Bank of Baroda 69. Shravasti Indian Bank 70. Siddharth nagar State Bank of India 71. Sitapur Indian Bank 72. Sonbhadra Indian Bank 73. Sultanpur Bank of Baroda 74. Unnao Bank of India 75. Varanasi Union Bank of India 28 West Bengal Punjab National 1. Alipurduar Central Bank of India Bank 2. Bankura Punjab National Bank 3. Birbhum UCO Bank 4. Cooch Behar Central Bank of India 5. Dakshin Dinajpur Punjab National Bank 6. Darjeeling Central Bank of India 7. Hooghly UCO Bank 8. Howrah UCO Bank 9. Jalpaiguri Central Bank of India 10. Jhargram Punjab National Bank 11. Kalimpong State Bank of India 12. Kolkata State Bank of India 13. Malda Punjab National Bank 14. Murshidabad Punjab National Bank 15. Nadia Punjab National Bank 16. North 24 Indian Bank Parganas 17. Paschim State Bank of India Bardhaman 18. Pashchim Punjab National Medinapur Bank 4919. Purba UCO Bank Bardhaman 20. Purba Punjab National Medinapur Bank 21. Purulia Punjab National Bank 22. South 24 Punjab National Parganas Bank 23. Uttar Dinajpur Punjab National Bank 29 Andaman & State Bank of India 1. Nicobar Islands State Bank of India Nicobar 2. North & Middle State Bank of India Islands Andaman 3. South Andaman State Bank of India 30 Chandigarh Punjab National 1. Chandigarh Punjab National Bank (Rural) Bank 31 Dadra and Bank of Baroda 1. Dadra and Nagar B ank of Baroda Nagar Haveli Haveli and Daman 2. Daman State Bank of India a nd Diu 3. Diu State Bank of India 32 D elhi Punjab National 1. Central Delhi Canara Bank B ank 2. East Delhi Punjab National Bank 3. New Delhi Canara Bank 4. North Delhi Punjab National Bank 5. North East Delhi Punjab National Bank 6. North West Delhi Punjab National Bank 7. Shahdara Bank of Baroda 8. South Delhi State Bank of India 9. South East Delhi State Bank of India 10.South West Delhi State Bank of India 11. West Delhi Canara Bank 33 Jammu and The Jammu & 1. Anantnag J & K Bank Ltd. Kashmir Kashmir Bank Ltd. 2. Bandipora J & K Bank Ltd. 3. Baramulla J & K Bank Ltd. 4. Budgam J & K Bank Ltd. 5. Doda State Bank of India 6. Ganderbal J & K Bank Ltd. 7. Jammu State Bank of India 8. Kathua State Bank of India 9. Kishtwar State Bank of India 10. Kulgam J & K Bank Ltd. 11. Kupwara J & K Bank Ltd. 12. Poonch J & K Bank Ltd. 13. Pulwama J & K Bank Ltd. 14. Rajouri J & K Bank Ltd. 5015. Ramban State Bank of India 16. Reasi State Bank of India 17. Samba State Bank of India 18. Shopian J & K Bank Ltd. 19. Srinagar J & K Bank Ltd. 20. Udhampur State Bank of India 34 Ladakh State Bank of India 1. Kargil State Bank of India 2. Leh State Bank of India 35 Lakshadweep Canara Bank 1. Lakshadweep Canara Bank 36 Puducherry Indian Bank 1. Puducherry Indian Bank 51Annex II SLBC/UTLBC Website- Indicative List of contents Menu item Sub Menu Contents Annex SLBC as a coordinating forum for the About us Background development of the state and its functioning - Brief write up SLBC members with their names and contact SLBC-Members II-1 details Each district may be linked to the respective State Geographical district website of GOI at NIC portal so as to Profile Map get district details on clicking the respective district name Infrastructure Power, Transport, Roads & Rail etc Acreage under cultivation, Cropping pattern, Irrigation facilities, Farm mechanisation, Agriculture allied activities, Dairy, Fisheries, Plantation, Horticulture etc, Industrialisation, Status of MSME, Sickness Industries of MSME, Reasons, Rehabilitation Position of banked villages as compared to Banking II-2 total villages in each of the districts SLBC Calendar of Schedule of SLBC meetings for the current II-3 meetings meetings calendar year SLBC-Meetings Details of SLBC meetings held with agenda II-4 held and minutes Lead Bank Lead Banks- Details of Lead Banks with names of LDM II-5 Scheme District wise and their contact details ACP-Targets Annual Credit Plan - Targets for the year II-6 ACP- Annual Credit Plan - Sector wise II-7 Achievements achievement CD Ratio Position of district wise CD ratio II-8 Govt Central Brief description of each Central Government Sponsore Government sponsored programme. The Central d Sponsored Government sponsored scheme is to be Programm programmes linked to RBI/GoI guidelines es State Government Brief description of each State Government Sponsored sponsored programme. programmes Banking Banking Network- Mode of Banking Services II-9 Network Summary Banking outlets- District wise particulars of branches II-10 Branches-details Banking outlets- District wise particulars of BC outlets II-11 BCs-details Particulars of Banking Services District wise banking services provided II-12 through Other through Other Modes Modes 52Financial Bank wise position of savings and credit SHG bank linkage II-13 Inclusion linked number of SHGs FLCs Database on FLCs II-14 RSETIs District wise position of RSETIs II-15 Submissio Web based Submission of data by Lead Banks and n of data interface controlling office of banks to SLBC Link to RBI, NABARD, respective State Links to related Links Government, IBA, Banking Ombudsman, website Banks and other related websites 53Annex 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 23 54Annex 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 TOTAL 55Annex II-3 SLBC -Calendar of meetings for the calendar year -------- SR Year Quarter Scheduled Date of Remarks meeting 1 dd.mm.yyyy 2 3 4 56Annex II-4 SLBC - Details of meetings held SR SLBC Date of Attended by (Name & Minutes Schedul Rem meeting meeting Designation) of the ed date arks no.* -Agenda meetin of linked g meeting as per calendar RBI Convenor GOI State Bank Govt dd.mm.y dd.mm.yy 1 yyy minutes yy 2 3 4 5 6 7 8 9 10 11 * SLBC meetings held after April 2010 57Annex II-5 Details of Lead Banks Quarter ended ----- SR Distric District Name Name Designatio Contact Details Rem t code of of n arks Name (BSR) Lead LDM Bank Tel email Address 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 58Annex 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- Total 59Annex II-7 Annual Credit Plan - Achievement Quarter ended ----- (Amount in thousands) S Bank Agric M Exp Edu Ho Soc Ren Ot Pri No Tot R Name ultur S ort cati usi ial ewa he orit n- al e M Cre on ng Infr ble rs y- Pri E dit astr Ener Su orit uct gy bto y - ure tal 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- Total 60Annex 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 14 61Annex II-9 Banking Network-Summary Quarter ended ----- SR Bank Name Mode of Banking Services Remarks Other 1 Branch BC Total Modes 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-Total 62Annex II-10 Particulars of Banking outlets- Branches Quarter ended ----- S Distri Distr Blo Local Populati Ban Bran Date Conta Ad R R ct ict ck ity/Vil on k ch of ct dr e Nam Cod lage classific Nam Nam openi Detail es m e e(BS ation e e ng s s ar R) (M/U/SU/ k R) s dd.m 1 m.yyy y 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 63Annex 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 17 64Annex II-12 Particulars of Banking Services provided through Other Modes Quarter ended ----- S Distri Bloc Loc Populat Bank Specify Date Name Tel no. Rem R ct k ality ion Nam Type of of of of arks Nam / classifi e mode o p e n Contact Contact e Vill cation (Rural ing Official Official age (M/U/S ATM/ U/R) Mobile van/ Other dd.m 1 m.yyy y 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 65Annex 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-Total 66Annex 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) 67Annex II-15 Position of RSETI Quarter ended ----- SR District Location Sponsoring Date of Name Contact Details Rema of RSETI Bank opening of rks Contact official 1 Tel email Address 2 3 4 5 6 7 8 9 10 11 12 13 14 15 68Annex 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. • The state code, district code & block code should be as per the Government of India’s census 2011 data. 69• 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. 70Role 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 is 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. Complete 71LBS – 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 LinkedPlan (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, enhancing/augmenting farmers’ income , 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. 74Appendix I List of Circulars/ /Guidelines/ Instructions Sr. Circular No. Date Subject No. 1. FIDD.CO.LBS.No. January 3, Expanding and Deepening of the S1416/02.01.014/2022-23 2023 Digital Payments Ecosystem 2. FIDD.CO.LBS.BC.No.22/0 March 30, Amalgamation of Public Sector Banks 2.01.001/2019-20 2020 – Assignment of SLBC/ UTLBC Convenorship and Lead Bank responsibilities 3. FIDD.CO.LBS.BC.No.20/0 March 26, Formation of new Union Territory of 2.01.001/2019-20 2020 The Dadra and Nagar Haveli and Daman and Diu – Assignment of UTLBC Convenorship 4. FIDD.CO.LBS. No.1797 / February Inclusion of Wholly Owned 02.01.001 / 2019-20 27, 2020 Subsidiaries (WOS) of Foreign Banks under Lead Bank Scheme 5. FIDD.CO.LBS. No.1551 / January Expanding and Deepening of Digital 02.01.001 / 2019-20 23, 2020 Payments Ecosystem 6. 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 7. FIDD.CO.LBS.BC.No.16/0 December Formation of new Union Territory of 2.01.001/2019-20 26, 2019 Jammu and Kashmir and Union Territory of Ladakh – Assignment of UTLBC Convenorship 8. 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 9. FIDD.CO.LBS.BC.No.13/ October 7, Expanding and Deepening of Digital 02.01.001/2019-20 2019 Payments Ecosystem 10. 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 11. FIDD.CO.LBS.BC. August 13, Direct Benefit Transfer (DBT) Scheme No.09/02.01.001/2019-20 2019 – Implementation 12. 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 13. 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 75Sr. Circular No. Date Subject No. 14. FIDD.CO.LBS. No.2595 / June 24, Aligning roadmap for unbanked 02.01.001 / 2018-19 2019 villages having population more than 5000 with revised guidelines on Branch Authorization Policy – Regional Rural Banks 15. FIDD.CO.LBS. No.2431 / May 28, Payments Banks – Participation under 02.01.001 / 2018-19 2019 Lead Bank Scheme 16. 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 17. 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 18. FIDD.CO.LBS. May 30, Lead Bank Scheme – Strengthening of No.3671/02.01.001/2017- 2018 Monitoring Information System (MIS) 18 19. 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) 20. FIDD.CO.LBS.BC.No.19/0 April 06, Revamp of Lead Bank Scheme - Action 2.01.001/2017-18 2018 Points for SLBC Convenor Banks/ Lead Banks 21. FIDD.CO.LBS. No.3017 / April 02, Small Finance Banks – Participation 02.01.001 / 2017-18 2018 under Lead Bank Scheme 22. 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. 23. FIDD.CO.LBS.BC. September Doubling of Farmers’ Income by 2022 - No.16/02.01.001/2016-17 29, 2016 Measures 24. FIDD.CO.LBS. No.5673/ May 20, Lead Bank Scheme- strengthening of 02.01.001/2015-16 2016 Monitoring Information System (MIS) 25. FIDD.CO.LBS.BC. No.17/ January Direct Benefit Transfer (DBT) Scheme 02.01.001/2015-16 14, 2016 – Seeding of Aadhaar in Bank Accounts- Clarification 26. 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 27. 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 28. RPCD. CO.LBS. BC. No. July 09, Direct Benefit Transfer (DBT) Scheme 11 /02.01.001/2013-14 2 0 13 – Implementation - Guidelines 29. RPCD.CO.LBS.BC.No.12/ July 11, Assignment of Lead Bank 02.08.001/2013-14 2013 Responsibility in districts of Metropolitan Areas 76Sr. Circular No. Date Subject No. 30. RPCD. CO.LBS. BC. No. May 10, Direct Benefit Transfer (DBT) Scheme 75 /02.01.001/2012-13 2 0 1 3 – Implementation 31. RPCD. CO.LBS. BC. No. March 19, Lead Bank Scheme – Strengthening of 68 /02.01.001/2012-13 2 0 1 3 Monitoring Information System 32. 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 33. RPCD. CO. LBS. B.C. No. March 29, SLBC Website - Standardization of 68/02.01.001/2011-12 2012 information / data 34. RPCD. CO. LBS. B.C. No. March 20, Lead Bank Scheme - District 67/02.01.001/2011-2012 2012 Consultative Committee (DCC) - Inclusion of Director of MSME-DI 35. 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 36. RPCD.CO.LBS.BC.No.74 May 30, Resolution of issues regarding /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) 37. RPCD.CO.LBS.BC. No.44 December Lead Bank Scheme – Conduct of State /02.19.10/2010-11 29, 2010 Level Bankers' Committee (SLBC)/Union Territory Level Bankers' Committee (UTLBC) meetings 38. RPCD.CO.LBS.HLC.BC. S e ptember 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 39. RPCD.CO.LBS.BC. No.15 July 26, Lead Bank Scheme - Revitalising /02.19.10/2010-11 2010 SLBC Meetings 40. 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 41. RPCD.CO.LBS.HLC.BC.N February Report of the High Level Committee to o.56 /02.19.10/2009-10 26, 2010 Review Lead Bank Scheme - Implementation of the Recommendations - SLBC Convenor banks 42. RPCD. CO. LBS. HLC.BC. November High Level Committee to review LBS- No. 43/02.19.10/2009-10 27, 2009 Providing banking services in every village having population of over 2000 by March 2011 43. RPCD.LBS.CO.BC. June 02, Sub-Committee of SLBC for Export No.111/02.13.03/2008-09 2009 Promotion 77Sr. Circular No. Date Subject No. 44. RPCD.LBS.CO.BC. No.79/ December Inclusion of issues pertaining to MSME 02.01.01/2008-2009 30, 2008 Sector in SLBC meeting 45. 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 46. RPCD.LBS.CO.BC. No.33 November Lead Bank Scheme - Inclusion of /02.18.02/2006-07 15, 2006 National Horticulture Board as a permanent member of SLBC of the respective State 47. 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 48. RPCD. LBS. BC. No.52 December Financing of projects under Agri clinics /02.02.001/2005-06 0 6 , 2005 & Agri Business Centres Scheme – Review at meetings 49. RPCD. No. LBS. BC. 50 December Participation in various fora under Lead /02.01.01/2005-06 0 6, 2005 Bank Scheme 50. RPCD. CO.LBS. BC. November Credit Deposit Ratio - Implementation No.47 /02.01.001/2005-06 0 9 , 2 0 0 5 of recommendations of expert group on CD Ratio 51. RPCD. CO.LBS. BC. July 06, Participation of MPs/Public No.11 /02.01.001/2005-06 2 0 0 5 Representatives in DLRC meetings - Functions relating to Self Help Groups (SHGs) Credit Linkage Programme 52. RPCD. CO.LBS. BC. April 11, Rural lending - ACPs based on the No.93 /02.01.001/2004-05 2 0 0 5 Potential Linked Plans (PLPs) prepared by NABARD 53. RPCD. CO.LBS. BC. January Participation of private sector banks No.76 /02.01.001/2004-05 2 8 , 2 0 0 5 under various fora under Lead Bank Scheme 54. RPCD.LBS(SAA).BC. December Relaxation in Service Area Norms No.62 /08.01.00/2004-05 08, 2004 55. RPCD. CO.LBS. BC. No.5 July 16, Lead Bank Scheme - Participation of /02.01.001/2004-05 2004 Members of Parliament and Public Representatives in District Level Review Committee (DLRC) meetings 56. RPCD. CO.LBS. BC. December Credit Flow to Boost Economic Growth No.56 /02.01.001/2003-04 2 0 , 2003 57. RPCD. CO.LBS. BC. July 29, Convening DLRC meetings - Late No.14 /02.01.001/2003-04 2 0 0 3 submission of reports by lead banks 58. RPCD. CO.LBS. BC. January Lead Bank Scheme - Participation of No.59 /02.01.001/2002-03 0 6 , 2 0 0 3 Members of Parliament and Public Representatives in District Level Review Committee (DLRC) meetings 59. RPCD. CO.LBS. BC. June 14, Lead Bank Scheme - Participation of No.106 /02.01.001/2001- 2002 Members of Parliament and Public 02 78Sr. Circular No. Date Subject No. Representatives in District Level Review Committee (DLRC) meetings 60. RPCD. CO.LBS. BC. May 09, Lead Bank Scheme - Participation of No.85 /02.01.001/2000-01 2 0 0 1 Members of Parliament and Public Representatives in District Level Review Committee (DLRC) meetings 61. RPCD. CO.LBS. BC. April 27, Lead Bank Scheme - Convening of No.81 /02.01.001/2000-01 2 0 0 1 DLRC Meetings on Quarterly Basis - Monitoring thereof 62. RPCD.LBS.BC.32/02.01.0 November Lead Bank Scheme - Holding of District 1/2000-01 03, 2000 Level Review Committee Meeting 63. RPCD.No.LBS.BC.86/02.0 December Inclusion of National Commission for 1.01/1996-97 16, 1996 Scheduled Castes/Tribes in State Level Bankers Committees (SLBCs) 64. RPCD.No.LBS.BC.13/02.0 July 19, Inclusion of Representatives of Khadi 1.01/1996-97 1996 and Village Industries Commission/Boards in SLBC/DCC 65. RPCD.No.LBS.BC.118/02. February Credit Deposit Ratio of Banks in Rural 01.01/94-95 February 18, 18, 1995 and Semi-urban Areas 1995 66. RPCD.No.LBS.BC.112/LB April 28, State Level Bankers' Committee - C.34/88-89 1989 Meetings 67. RPCD.No.LBS.BC.12/65/8 August 11, Service Area Approach - Constitution 8-89 1988 of Block Level Bankers' Committees 68. RPCD.No.LBS.BC.100/5 April 22, Lead Bank Scheme - District Credit 5-87/88 1988 Plan - Annual Action Plan 69. RPCD.No.LBS.BC.87/65- March 14, Rural Lending - Service Area of Bank 87/88 1988 Branches 70. 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) 71. RPCD.No.LBS.524/55- April 28, Lead Bank Scheme - Preparation of 86/87 1987 District Credit Plans/Annual Action Plans 72. RPCD.No.LBS.430/55/86 March 03, Lead Bank Scheme - District Credit -87 1987 Plans - Guidelines for Fourth Round 73. RPCD.No.LBC.363/1-84 November Integration of Annual Action Plans 02, 1984 (AAPs) with the Performance Budgets of Bank Branches 74. RPCD.No.LBC.162/1-84 September Integration of Annual Action Plans 06, 1984 (AAPs) with the Performance Budgets of Bank Branches 79Sr. Circular No. Date Subject No. 75. RPCD.No.LBC.135/55-84 August 30, Lead Bank Scheme - Annual Action 1984 Plan for 1985 - Guidelines for Formulation of 76. RPCD.No.LBC.96/1-84 January Lead Bank Scheme - Appointment of 18, 1984 Lead Bank Officer - District Co- ordinators 77. RPCD.No.LBC.739/1-83 August 04, Recommendations of the Working 1983 Group to Review the Working of the Lead Bank Scheme 78. RPCD.No.3096/C.517- April 13, Convenorship of the State Level 82/83 1983 Bankers' Committees 79. 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 80. DBOD.NO.TEP.20/C.517 February State Level Bankers’ Committee -77 02, 1977 81. DBOD.No. BD.2955/ August 11, Lead Bank Scheme C.168-70 1970 82. DBOD.No. BD4327/ December Branch Expansion Programme- C.168-169 23, 1969 Allocation of Districts under the Lead Bank Scheme 80Appendix II Other References of Directions / Circulars Relevant to Lead Bank Scheme Sr. Reference No Date Subject No. 1 FIDD.GSSD.CO.BC.No.0 July 20, Master Circular – Deendayal 9/09.01.01/2022-23 2022 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 (updated Classification [All Commercial Banks as on including Regional Rural Banks, Small October Finance Banks, Local Area Banks and 20, 2022) Primary (Urban) Co-operative Banks other than Salary Earners’ Banks] 3 FIDD.CO.FID.BC.No.1/12 April 01, Master Circular on SHG-Bank Linkage .01.033/2022-23 2022 Programme [All SCBs] 4 FIDD.GSSD.BC.No.11/09 August 02, Master Circular on Credit Facilities to .10.001/2022-23 2022 Minority Communities [All SCBs (excluding RRBs and Foreign banks with less than 20 branches)] 5 FIDD.CO.GSSD.BC.No.1 August 01, Master Circular - Credit Facilities to 0/09.09.001/2022-23 2022 Scheduled Castes (SCs) & Scheduled Tribes (STs) [All SCBs (including Small Finance Banks)] 6 FIDD.GSSD.CO.BC.No.0 April 05, Deendayal Antyodaya Yojana - 3/09.16.03/2021-22 2021 National Urban Livelihoods Mission (DAY-NULM) [All SCBs & SFBs] 7 DBR.RRB.BL.BC. No.40 / May 31, Rationalisation of Branch 31.01.002 / 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 – RRBs 81Sr. Reference No Date Subject No. 10 FIDD.MSME & NFS. July 24, Master Direction - Lending to Micro, 12/06.02.31/2017-18 2017 Small & Medium Enterprises (MSME) (updated Sector [all SCBs (excluding RRBs)] as on July 29, 2022) 11 FIDD. FLC. BC. No. July 13, Financial Literacy by FLCs (Financial 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. May 18, Rationalisation of Branch BAPD.BC.69/22.01.001/2 2017 Authorisation Policy- Revision of 016-17 Guidelines [All Domestic SCBs (excluding RRBs), SFBs Payments Banks and LABs] 82