Master Circular on Credit Facilities to Minority Communities

RBI/2022-23/99 FIDD.GSSD.BC.No.11/09.10.001/2022-23 August 2, 2022 The Chairman/Managing Director/Chief Executive Officer All Scheduled Commercial Banks (excluding RRBs and Foreign Banks with less than 20 branches) Madam/ Dear Sir, Master Circular on Credit Facilities to Minority Communities The Reserve Bank of India has periodically issued guidelines/instructions/directives to banks with regard to providing credit facilities to Minority Communities. The Master Circular enclosed consolidates the circulars issued by Reserve Bank on the subject till date, as listed in the Appendix. Yours faithfully, (Nisha Nambiar) Chief General Manager Encl: As above �वत् तीय समावेशन और �वकास �वभाग, केन्द्र�य कायार्लय,10 वी मंिजल, क�द्र�य कायालर् य भवन, शह�द भगत�सहं माग,र्पोस्ट बॉक्स सं. 10014, मंबु ई -400001 Financial Inclusion & Development Dept.,Central Office,10th Floor, Central Office Building,Shahid Bhagat Singh Marg,P.B.No.10014,Mumbai-1 टेल� Tel:022-22601000 फैक्सः 91-22-22621011/22610943/22610948 ई -मेल : cgmincfidd@rbi.org.in �हदं � आसान है,इसका प्रयोग बढ़ाइए। “चेतावनी : �रज़व र् बक� द्वारा मेल-डाक, एसएमएस या फोन कॉल के ज�रए �कसी क� भी व्य िक्तगत जानकार� जैसे बक� के खाते का ब् यौरा, पासवड र् आ�द नह� ं मांगी जाती है। यह धन रखने या देने का प्रस्त ाव भी नह�ं करता है। ऐसे प्रस्त ाव� का �कसी भी तर�के से जवाब मत द�िजए।" 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.Master Circular 1. Credit Facilities to Minority Communities: 1.1 In order to ensure that minority communities secure, in a fair and adequate measure, the benefits flowing from various Government sponsored schemes, Scheduled Commercial Banks (referred to as ‘banks’ hereafter) are advised to ensure smooth flow of bank credit to minority communities. 1.2 Government of India has forwarded a list of 121 minority concentration districts having at least 25% minority population (Annexure I), excluding those States/UTs where minorities are in majority (Jammu & Kashmir, Punjab, Meghalaya, Mizoram, Nagaland and Lakshadweep). Accordingly, banks are advised to specially monitor the credit flow to minorities in these 121 districts thereby, ensuring that the minority communities receive a fair and equitable portion of the credit within the overall target of the priority sector 1.3 In terms of Reserve Bank's Master Direction on Priority Sector Lending (PSL) dated September 04, 2020 (as updated from time to time), a target of 40 percent of Adjusted Net Bank Credit (ANBC) or Credit Equivalent amount of Off-Balance Sheet Exposures (OBE), whichever is higher, as on March 31 of the previous year, has been mandated for lending to the priority sector by domestic scheduled commercial banks and foreign banks; for Small Finance Banks the target is 75% of their Adjusted Net Bank Credit (ANBC). Within this, a sub-target of 11.5 per cent of ANBC or Credit Equivalent amount of OBE, whichever is higher, as on March 31 of the previous year, has been mandated for FY: 2022-23 for lending to weaker sections which includes, among others, persons from minority communities. 2. Definition of Minority Communities 2.1 The following communities have been notified as minority communities by the Government of India, Ministry of Minority Affairs: (a) Sikhs (b) Muslims (c) Christians (d) Zoroastrians (e) Buddhists (f) Jains 12.2 In the case of a partnership firm, if the majority of the partners belong to one or the other of the specified minority communities, advances granted to such partnership firms may be treated as advances granted to minority communities. Further, if the majority beneficial ownership in a partnership firm belongs to the minority community, then such lending can be classified as advances to the specified communities. A company is a separate legal entity and hence advances granted to it cannot be classified as advances to the specified minority communities. 3. Creation of Special Cell and designating an exclusive Officer 3.1 Each bank should set up a special cell having a Nodal Officer holding the rank of Deputy General Manager/Assistant General Manager or any other similar rank, in order to ensure smooth flow of credit to minority communities. 3.2 The Lead Bank in each of the minority concentration districts should have an officer who shall exclusively look after the problems regarding the credit flow to minority communities. It shall be his/her responsibility to publicise among the minority communities various programmes of bank credit and also to prepare suitable schemes for their benefit in collaboration with branch managers. 3.3 The designated officer should exclusively look after aspects relating to credit assistance to minority communities in the concerned districts. The designated officer may be attached to the Lead Bank set up at the district level so as to receive necessary guidance from Lead District Manager, who will be senior enough and have adequate experience for liaising effectively with the other credit institutions and Government agencies and will also be working in close collaboration with the branch managers of other banks in the district. The designated officer will also arrange group meetings for their guidance for formulation of schemes suitable for the members of the minority communities. Banks concerned may ensure that the role assigned to the designated officer/s is effectively fulfilled. 3.4 The name, designation and office address of (i) the officer-in-charge of the Special Cell at Head Office and (ii) officer appointed by lead banks in the identified districts to look after the problems of minority communities exclusively, should be furnished by banks to the National Commission for Minorities and updated periodically. A copy of the relevant communication may also be furnished to The Chief General Manager, Financial Inclusion and Development Department, Reserve Bank of India, SBS Marg, Fort, Central Office, Mumbai 400001. 24. Role of Lead Banks 4.1 Lead Banks of the Minority Concentration Districts will have to exercise the pro- active role expected of them to ensure that the minority communities, particularly those who are poor and illiterate have access to bank credit for taking up productive activities. 4.2 The Lead Banks in the 121 identified districts having concentration of minority communities may involve the State Minority Commission/Finance Corporation in the extension work including creating awareness, identification of beneficiaries, preparation of viable projects, provision of backward and forward linkages such as supply of inputs/marketing, recovery etc. 4.3 They may collaborate with District Development Managers (DDMs) of NABARD/NGOs/Voluntary Organizations in reaching the poor through Self Help Groups (SHGs). 4.4 The Convenor banks of the District Consultative Committees (DCCs), District Level Review Committees (DLRCs) and the State Level Bankers Committees (SLBCs) should ensure that steps taken to facilitate the flow of credit to the minority communities and the progress made in this regard are reviewed regularly at their meetings. Chairman/Managing Director of State Minority Commissions/Boards or the State Minorities Financial Corporations or their representatives may be invited to attend the meetings of DLRCs/SLBCs. 5. Advances under DRI Scheme Banks may route loans under the DRI scheme through State Minority Finance/Development Corporation on the same terms and conditions as are applicable to loans routed through SC/ST Development Corporations, subject to the beneficiaries of the Corporations meeting the eligibility criteria and other terms and conditions prescribed under the scheme. Banks may ensure proper maintenance of the register to evolve timely sanction and disbursement of loan applications. 6. Monitoring 6.1 Data on credit extended to members of minority communities should be furnished to Reserve Bank of India and to the Government of India, Ministry of Finance and Ministry of Minority Affairs, on half yearly basis as at the end of March and September every year within one month from the end of each half year (Annexure II). 36.2 The Convenor banks of the District Consultative Committees in the identified minority concentrated districts should furnish the data on priority sector advances granted by banks to specified minority communities compiled by them in the prescribed format (Annexure III) for the district under their lead responsibility to the concerned Regional Offices of RBl within one month from the close of the relative quarter. 6.3 The progress made in regard to the flow of credit to the minority communities should be reviewed regularly at the meetings of the District Consultative Committees (DCCs) and the State Level Bankers Committees (SLBCs). 6.4 The Lead Banks in the identified minority concentrated districts should furnish the relevant extracts of the agenda notes and the minutes of the meetings of the DCCs and of the respective SLBCs to the Union Ministry of Finance and to the Ministry of Minority Affairs on a quarterly basis for their use. 7 Training 7.1 With a view to ensuring that the bank staff and officers have proper perspective and appreciation of the various programmes for welfare of minorities, necessary orientation may be provided to officials and other staff. For this purpose, banks should include suitable lecture sessions as part of all relevant training programmes like induction courses, programmes on rural lending, financing of priority sectors, poverty alleviation programmes, etc. 7.2 The Lead Banks in the identified districts may sensitise and motivate the staff posted to identified districts through proper training to assist the minority communities under various credit schemes. 7.3 The Lead Banks may organize sensitization workshops for bank officials regarding micro credit/lending to SHGs with the help of DDMs of NABARD. 7.4 The Lead Banks functioning in the identified districts should organize Entrepreneur Development Programmes so that the members of the minority communities in these areas are enabled to derive the benefit of various programmes being financed by the banks. Depending upon the major vocation and type of activity undertaken by large sections of the people in the districts, suitable programmes may be organized in co-operation with State Governments, Industries Department, District Industries Centre, SIDBI, State Technical Consultancy Organization, Khadi and Village Industries Commission and other voluntary organizations which are fully equipped to 4impart such training and orientation. The duration of the programme, the course content, the faculty support to be selected etc. should be decided by each Lead Bank taking into account the prevailing conditions, need and existing skills as well as aptitude of the people in the district. 8 Publicity Banks should create publicity through various means about the anti-poverty programmes of the Government where there is large concentration of minority communities and particularly in the districts listed in the Annexure I. The lead banks in the identified districts may create awareness among minority communities regarding credit facilities available from banks through appropriate measures which may include publicity through (i) print media i.e., distribution of pamphlets in local languages, advertisements/articles in newspapers etc. (ii) TV channels - DD/local channels, (iii) participation/setting up of stalls in the Melas/fairs organized during the religious/festive occasions by the minority communities. 9. National Minorities Development and Finance Corporation (NMDFC) NMDFC promotes economic and developmental activities for the backward sections amongst the minorities. NMDFC works as an apex body and channelises its funds to the beneficiaries through the State Minority Finance Corporation of each State/Union Territory. Banks may implement the schemes evolved by NMDFC. While extending finance, banks should bear in mind the guidelines/instructions issued from time to time on priority sector advances. 10. Prime Minister’s New 15 Point Programme for the Welfare of Minorities An important objective of the above Programme is to ensure that an appropriate percentage of the priority sector lending is targeted for the minority communities and that the benefits of various government sponsored schemes reach the under- privileged, which includes the disadvantaged sections of the minority communities. The New Programme is to be implemented by the Central Ministries/Departments concerned through State Governments/Union Territories and envisages location of certain proportion of development projects in minority concentration districts. Accordingly, all scheduled commercial banks are required to ensure that within the overall target for priority sector lending and the sub-target of 11.5 per cent for the weaker sections for FY: 2022-23, sufficient care is taken to ensure that minority communities also receive an equitable portion of the credit. Lead Banks have been advised to keep this requirement in view while preparing District Credit Plans. 5Annexure I List of 121 Minority Concentration Districts (Vide paragraph 1.2 and 8) Sl. No. State Sl. No. Districts i ii iii iv 1 Andamans (2) 1 Nicobars Andamans 2 Andamans 2 Arunachal P (7) 3 Tawang Arunachal P 4 Changlang Arunachal P 5 Tirap Arunachal P 6 West Kameng Arunachal P 7 Papum Pare * Arunachal P 8 East Kameng Arunachal P 9 Lower Subansiri 3 Assam (13) 10 Dhubri Assam 11 Goalpara Assam 12 Barpeta Assam 13 Hailakandi Assam 14 Karimganj Assam 15 Nagaon Assam 16 Marigaon Assam 17 Darrang Assam 18 Bongaigaon Assam 19 Cachar Assam 20 Kokrajhar Assam 21 North Cachar Hills Assam 22 Kamrup 4 Bihar (7) 23 Kishanganj Bihar 24 Katihar Bihar 25 Araria Bihar 26 Purnia Bihar 27 Sitamarhi 6Bihar 28 Darbhanga Bihar 29 Paschim Champaran 5 Delhi (2) 30 Central * Delhi 31 North East * 6 Goa (1) 32 South Goa 7 Haryana (2) 33 Gurgaon Haryana 34 Sirsa 8 Himachal P (2) 35 Lahul & Spiti Himachal P 36 Kinnaur 9 Jammu & Kashmir (1) 37 Leh (Ladakh) 10 Jharkhand (4) 38 Pakaur * Jharkhand 39 Sahibganj Jharkhand 40 Gumla Jharkhand 41 Ranchi 1 1 Karnataka (3) 42 Dakshina Kannada Karnataka 43 Bidar Karnataka 44 Gulbarga 1 2 Kerala (14) 45 Malappuram Kerala 46 Ernakulam Kerala 47 Kottayam Kerala 48 Idukki Kerala 49 Wayanad Kerala 50 Pathanamthitta Kerala 51 Kozhikode Kerala 52 Kasaragod Kerala 53 Thrissur Kerala 54 Kannur Kerala 55 Kollam Kerala 56 Thiruvananthapuram Kerala 57 Palakkad Kerala 58 Alappuzha 1 3 Madhya P (1) 59 Bhopal 714 Maharashtra (9) 60 Akola Maharashtra 61 Mumbai Maharashtra 62 Aurangabad Maharashtra 63 Mumbai (Suburban) * Maharashtra 64 Amravati Maharashtra 65 Buldana Maharashtra 66 Parbhani Maharashtra 67 Washim * Maharashtra 68 Hingoli * 1 5 Manipur (6) 69 Tamenglong Manipur 70 Ukhrul Manipur 71 Churachandpur Manipur 72 Chandel Senapati Manipur 73 (Excl. 3 sub-divisions) Manipur 74 Thoubal 1 6 Meghalaya (1) 75 West Garo Hills 17 Mizoram (2) 76 Lawngtlai Mizoram 77 Mamit 1 8 Orissa (1) 78 Gajapati * 19 Pondicherry (1) 79 Mahe 20 Rajasthan (1) 80 Ganganagar 21 Sikkim (4) 81 North Sikkim 82 South Sikkim 83 East Sikkim 84 West 2 2 Tamil Nadu (1) 85 Kanniyakumari 23 Telengana (1) 86 Hyderabad 24 Uttar Pradesh (21) 87 Rampur Uttar Pradesh 88 Moradabad Uttar Pradesh 89 Bijnor Uttar Pradesh 90 Saharanpur 8Uttar Pradesh 91 Jyotiba Phule Nagar * Uttar Pradesh 92 Muzaffarnagar Uttar Pradesh 93 Balrampur * Uttar Pradesh 94 Bahraich Uttar Pradesh 95 Bareilly Uttar Pradesh 96 Meerut Uttar Pradesh 97 Siddharthnagar Uttar Pradesh 98 Pilibhit Uttar Pradesh 99 Shrawasti * Uttar Pradesh 100 Baghpat * Uttar Pradesh 101 Ghaziabad Uttar Pradesh 102 Bulanshahar Uttar Pradesh 103 Shahjahanpur Uttar Pradesh 104 Badaun Uttar Pradesh 105 Barabanki Uttar Pradesh 106 Kheri Uttar Pradesh 107 Lucknow 2 5 Uttaranchal (2) 108 Hardwar Uttaranchal 109 Udham Singh Nagar * 2 6 West Bengal (12) 110 Murshidabad West Bengal 111 Maldah West Bengal 112 Uttar Dinajpur West Bengal 113 Birbhum West Bengal 114 South 24-Parganas West Bengal 115 Nadia West Bengal 116 Dakshin Dinajpur * West Bengal 117 Haorah West Bengal 118 Koch Bihar West Bengal 119 Kolkata West Bengal 120 Barddhaman West Bengal 121 North 24- Parganas 9Annexure II Statement showing Priority Sector Advances granted to the Members of the specified Minority Communities vis-à-vis Overall Priority Sector Advances for the Half Year ended (Vide paragraph 6.1) No. of Accounts - Actuals) (Amount in lakhs of Rupees) Bank Name _______________________________________ Bank Code __________ Part 'A' – For 121 Identified Minority Concentrated Districts Total Priority Sector State/Distircts Christians Muslims Buddhists Sikhs Zoroastrians Jains Total 'A' Others 'B' Advances in identified Districts Am Am Am No. No. No. Amount No. Amount Amount No. Amount No. Amount No. ou No. oun No. Amou oun A/c A/c A/cs o/s A/cs o/s o/s A/cs o/s A/cs o/s A/cs nt A/cs t A/cs nt o/s t Sr. s o/s o/s s o/s No. Andamans 1 Nicobars 2 Andamans Arunachal Pradesh 3 Tawang 4 Chunglang 5 Tirap 6 West Kameng 7 Param Pare 8 Lower Subansiri 9 East Kameng Assam 10 Dhubri 11 Goalpara 12 Barpeta 13 Hailakandi 14 Karimganj 15 Nagaon 16 Marigaon 17 Darrang 18 Bongaigaon 19 Cachar 20 Kokrajhar 21 North Cachar Hills 22 Kamrup Bihar 23 Kishanganj 24 Kathiar 25 Araria 26 Purnia 27 Sitamarhi 28 Darbhanga 29 Paschim Champaran Delhi 30 Central 31 North East Goa 32 South Goa Haryana 33 Gurgaon 34 Sirsa Himachal Pradesh 35 Lahul & Spiti 36 Kinnaur Jammu & Kashmir 37 Leh (Ladakh) Jharkhand 38 Pakaur 39 Sahibganj 40 Gumla 41 Ranchi Karnataka 42 Dakshina Kannada 43 Bidar 44 Gulbarga Kerala 45 Malappuram 46 Ernakulam 47 Kottayam 48 Idukki 49 Wayanad 50 Pathanamthitta 51 Kozhikode 1052 Kasaragod 53 Thrissur 54 Kannur 55 Kollam 56 Thiruvananthapuram 57 Palkkad 58 Alappuzha Madhya Pradesh 59 Bhopal Maharashtra 60 Akola 61 Mumbai 62 Aurangabad 63 Mumbai( Suburban) 64 Amravati 65 Buldana 66 Parbhani 67 Wasim 68 Hingoli Manipur 69 Tamenglong 70 Ukhrul 71 Churachandpur 72 Chandel 73 Senapati 74 Thoubal Meghalaya 75 West Garo Hills Mizoram 76 Lawngtlai 77 Mamit Odisha 78 Gajapati Pondicherry 79 Mahe Rajasthan 80 Ganganagar Sikkim 81 North 82 South 83 East 84 West Tamil Nadu 85 Kanyakumari Telangana 86 Hyderabad Uttar Pradesh 87 Rampur 88 Bijnor 89 Moradabad 90 Saharanpur 91 Muzaffarnagar 92 Meerut 93 Bahraich 94 Balrampur 95 Gaziabad 96 Pilibhit 97 Bareilli 98 Siddarthnagar 99 Shrawasti 100 Jyotiba phule Nagar 101 Baghpat 102 Bulandshahar 103 Shahjahanpur 104 Budaun 105 Barabanki 106 Kheri 107 Lucknow Uttarakhand 108 Hardwar 109 Udham Singh Nagar West Bengal 110 Murshidabad 111 Maldah 112 Uttar Dinajpur 113 Birbhum 114 South 24-Parganas 115 Nadia 116 Dakshin Dinajpur 117 Haorah 118 North 24- Parganas 119 Koch Bihar 120 Kolkata 121 Barddhaman 11Bank Name _______________________________________ Bank Code __________ Part 'B' - For all Districts in the Country Total Priority State/Distircts Christians Muslims Buddhists Sikhs Zoroastrians Jain Total 'A' Others 'B' Sector Advances in All Districts Am Am Am No. No. No. Amount No. Amount Amount No. Amount No. Amount No. ou No. oun No. Amou oun A/c A/c A/cs o/s A/cs o/s o/s A/cs o/s A/cs o/s A/cs nt A/cs t A/cs nt o/s t Sr. s o/s o/s s o/s No. Andamans Andaman & Nicobar 1 Islands 2 Andhra Pradesh 3 Arunachal Pradesh 4 Assam 5 Bihar 6 Chandigarh 7 Chattisgarh Dadra & Nagar 8 Haveli 9 Daman & Diu 10 Delhi 11 Goa 12 Gujarat 13 Haryana 14 Himachal Pradesh 15 Jammu & Kashmir 16 Jharkhand 17 Karnataka 18 Kerala 19 Lakshadweep 20 Madhya Pradesh 21 Maharashtra 22 Manipur 23 Meghalaya 24 Mizoram 25 Nagaland 26 Odisha 27 Pondicherry 28 Punjab 29 Rajasthan 30 Sikkim 31 Tamil Nadu 32 Telangana 33 Tripura 34 Uttar Pradesh 35 Uttarakhand 36 West Bengal TOTAL 12Annexure III Statement showing Priority Sector Advances granted to the members of specified minority communities vis-à-vis overall Priority Sector Advances (in the Identified Districts) for the quarter ended………… (Vide paragraph 6.2) Name of the District . Name of No. of accounts Amount Outstanding Community Previous Current Previous Current Quarter Quarter Quarter Quarter A. Minority Communities 1. Christians 2. Muslims 3. Buddhists 4. Sikhs 5. Zoroastrians 6. Jains Total (1 to 6) B. Others C. Total Priority Sector Advances in the Identified Districts (A+B) D. Share of A out of C in percentage ( %) Note: 1. Number of accounts in actual numbers 2. Amount outstanding in crores of Rupees 13Appendix Credit Flow to Minority Communities List of Circulars consolidated in the Master Circular Sr. Circular No. Date Subject No. 1 RPCD No SP.BC.4/PS.160-86-87 24.07.86 Credit facilities to Minority Communities 2 RPCD No.SP.BC.97/PS.160-86-87 29-07-86 Credit facilities to Minority Communities 3 RPCD No.SP.1378/PS.160-86-87 09.01.87 Credit facilities to Minority Communities 4 RPCD No.SP.1563/PS.160-86-87 11.02.87 Credit facilities to Minority Communities 5 RPCD No.SP.BC.75/PS.160-86-87 08.04.87 Credit facilities to Minority Communities 6 RPCD No.SP.BC.14/PS.160-87-88 31.07.87 Credit facilities to Minority Communities 7 RPCD No.SP.374/PS.160-87-88 31.07.87 Credit facilities to Minority Communities 8 RPCD No.SP.BC.45/PS.160/87-88 16.10.87 Credit facilities to Minority Communities 9 RPCD No. SP. BC.55/PS.160-87-88 02.11.87 Credit facilities to Minority Communities 10 RPCD No.SP.BC.56/PS.160-87-88 02.11.87 Credit facilities to Minority Communities 11 RPCD No.SP.649/PS.160-88-89 27.09.88 Prime Minister’s 15-Point Directive about Welfare of Minorities 12 RPCD No.SP.BC.46/PS.160-88-89 17.11.88 Credit facilities to Minority Communities 13 RPCD No.Stat.BC.66/Stat- 21.01.89 Credit facilities to Minority 20(CB)/88-89 communities 14 RPCD No.LBS.BC.121/LBC.34- 07.06.89 Inclusion of representatives of 88/89 State Minority Commissions / Boards or State Minorities Financial Corporations and of SC/ST Corporations in the DLRC and SLRM 15 RPCD No.SP.BC.37/C.453(U)89-90 03.10.89 DRI Scheme – Routing of Advances through State Minority Finance/ Development Corporation 16 RPCD No.SP.BC.124/PS.160-89-90 26.06.90 Credit facilities to Minority Communities 17 RPCD No.SP.BC.80/PS.160-92-93 10.03.93 Credit facilities to Minority Communities – Quarterly Statement 18 RPCD No. SP.1934/PS.160-92-93 22.06.93 Credit facilities to Minority Communities 19 RPCD No.SP.BC.17/PS.160-93-94 10.08.93 Credit facilities to Minority Communities – Training to Staff 20 RPCD No.SP.BC.32/PS.160-93-94 06.09.93 Credit facilities to Minority Communities – Revised Format 21 RPCD No.SP.BC.50/PS160-93-94 13.10.93 Credit facilities to Minority Communities –Revised Format 22 RPCD No.SP.BC.83/PS.160/93-94 07.01.94 Credit flow to Minority Communities – Quarterly statement. 1423 RPCD No.SP.BC.166/PS.160-93-94 15.06.94 Credit facilities to Minority Communities – 41 Identified Districts 24 LBS.BC.29/02.03.01-94-95. 31.08.94 Inclusion of representatives of State Minority Commission/Boards or State Minorities Finance Corporations in SLBC. 25 RPCD No.SP.BC.79/09.10.01-94-95 09.12.94 List of Specified Minority Communities – Inclusion of Buddhists in place of Neo- Buddhists 26 RPCD No.SP.BC.33/09.10.01-96-97 07.09.96 Credit facilities to Minority Communities – Quarterly Statement 27 RPCD No. SP.BC.43/09.10.01-96- 10.10.96 Credit Flow to Minority 97 Communities – Compendium of Instructions 28 RPCD No. SP.BC.108/09.12.01-96- 28.02.97 National Minorities Development 97 and Finance Corporation (NMDFC) 29 RPCD No.SPBC.13/09.10.01/01-02 13.08.01 Credit facilities to Minority Communities- Evaluation Study 30 RPCD No.SP.1074/09.10.01-2001- 21.01.02 Enhancing Credit Flow to 02 Minority Communities 31 RPCD No.SP.BC.62/09.10.01/2001- 04.02.02 Enhancing Credit flow to minority 02 communities 32 RPCD.SP.BC.No.22/09.10.01/2006- 1.9.06 Prime Minister's 15 Point 07 Programme for the Welfare of Minorities 33 RPCD.SP.BC.No.83/09.10.01/2006- 27.4.07 List of 103 Minority Concentrated 07 Districts 34 RPCD.SP.BC.No.13/09.10.01/2007- 16.07.07 List of additional 18 Minority 08 Concentrated districts which are not included in the list of 103 districts with substantial minority population circulated earlier. 35 RPCD.GSSD.BC.No.44/9.10.001/ 01.12.14 Inclusion of Jain community under 2014–15 minorities 15