**Executive Summary**
This document is the response to Unstarred Question No. 1522 in Lok Sabha, concerning new bank branches and banking infrastructure in Jamui, Bihar. The response, delivered on February 9, 2026, provides data on existing banking facilities, progress on Digital Banking Units, financial literacy program expenditures, and details on the status of new project approvals under NABARD's RIDF for FY 2026-27. No immediate action items are mentioned.
**Key Points / Main Content**
* **Banking Accessibility:**
* The government aims to provide a banking outlet (Bank branch/Business Correspondent/India Post Payments Bank) within 5 km of all inhabited villages.
* Availability of banking outlets is tracked via the Jan Dhan Darshak (JDD) App.
* As per JDD app, all inhabited villages in Bihar, including Jamui, Munger, and Sheikhpura, are covered by a banking outlet within a 5km radius.
* **Banking Infrastructure in Jamui Parliamentary Constituency:**
* As of 31.12.2025, the number of banking facilities is as follows:
* Jamui: 129 Branches, 5,411 BC, 60 ATM, 178 IPPB
* Munger: 148 Branches, 2,278 BC, 112 ATM, 121 IPPB
* Sheikhpura: 62 Branches, 1,172 BC, 29 ATM, 83 IPPB
* Bihar: 8,354 Branches, 2,26,392 BC, 6,937 ATM, 9,308 IPPB
* **Digital Banking Units (DBUs):**
* There are 4 DBUs in Bihar, but none in Jamui Parliamentary Constituency.
* **Bank Branch Proposals:**
* Banks consider proposals for new branches based on RBI guidelines, business plans, and commercial viability, conducting surveys as needed.
* Data on these proposals received by banks is not centrally maintained.
* **Financial Literacy Program Expenses in Jamui District:**
* Financial year 2022-23: Allocation amount 7,59,093, expenses 7,59,093, amount released from RBI / NABARD 27,416.
* Financial year 2023-24: Allocation amount 23,90,667, expenses 23,90,667, amount released from RBI / NABARD 41,635.
* Financial year 2024-25: Allocation amount 38,53,886, expenses 38,53,886, amount released from RBI / NABARD 40,878.
* **NABARD Projects (RIDF):**
* Sanctioning of projects under RIDF for FY 2026-27 will commence after finalizing the corpus under RIDF Tranche XXXII.
* No new project has been approved for Jamui in FY 2026-27 under RIDF.
**Impact Analysis**
**Impact**
* **Constituents of Jamui Lok Sabha Constituency:** Citizens continue to have access to banking services through existing infrastructure, with potential future improvements dependent on NABARD project approvals and bank decisions regarding new branches.
* **Action Required:** No immediate action required from the constituents.
**Impact**
* **Banks Operating in Jamui:** Banks need to continue assessing the viability of opening new branches based on RBI guidelines and their business plans.
* **Action Required:** Banks need to actively participate in the process of assessing viability, conduct surveys, and follow RBI guidelines for branch expansion.
Key Entities Referenced
Jamui Lok Sabha Constituency: Parliamentary constituency in Bihar; focus area of the question regarding banking infrastructure.
Bihar: State where Jamui is located, relevant to banking infrastructure analysis and DBU availability.
National Bank for Agriculture and Rural Development (NABARD): Organization mentioned in relation to Rural Infrastructure Development Fund (RIDF) and project approvals.
Jan Dhan Darshak (JDD) App: GIS based App used for monitoring availability of banking outlets.
Rural Infrastructure Development Fund (RIDF): Scheme under which projects in Jamui are being considered.
GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
UNSTARRED QUESTION NO. 1522
ANSWERED ON MONDAY, 09 FEBRUARY 2026 / MAGHA 20, 1947 (SAKA)
New Bank Branches in Jamui
1522. SHRI ARUN BHARTI:
Will the Minister of FINANCE be pleased to state:
(a) whether the Government has approved/sanctioned opening of new bank branches in
unbanked blocks of Jamui Lok Sabha Constituency in Bihar during Financial Year 2025-26, if
so, block-wise status and timeline for its opening;
(b) the physical and financial progress of Digital Banking Unit (DBU) setup in Jamui Lok
Sabha Constituency as on January 2026;
(c) the allocations, releases and utilisation for financial literacy awareness programmes in
Jamui for the last three financial years, block-wise;
(d) whether shortfall has been identified in ATM penetration in rural Jamui and if so, the
remedial timeline therefor; and
(e) whether new projects have been approved for Jamui under the National Bank for
Agriculture and Rural Development (NABARD) Rural Infrastructure Development Fund in
FY 2026–27 and if so, the details thereof?
ANSWER
THE MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a) to (d) To ensure accessibility of banking services in rural and remote areas, the endeavour
of the Government is to provide a banking outlet (Bank branch / Business Correspondent /
India Post Payments Bank) within 5 kilometres of all inhabited villages in the country.
Availability of banking outlets is monitored by a Geographic Information System (GIS) based
App., namely, Jan Dhan Darshak (JDD) App.
As per JDD app, all the inhabited villages in the State of Bihar including the three Districts i.e.
Jamui, Munger and Sheikhpura falling under Jamui Parliamentary Constituency are covered
by a Banking Outlet within a radius of 5km. Further, the position of Banking infrastructure in
Jamui Parliamentary Constituency of Bihar, as on 31.12.2025, is as under:
Banking Infrastructure in Jamui Parliamentary Constituency
District Branch BC ATM IPPB
Jamui 129 5,411 60 178
Munger 148 2,278 112 121
Sheikhpura 62 1,172 29 83
Bihar 8,354 2,26,392 6,937 9,308
Source: JDD AppThere are 4 Digital Banking Unit (DBUs) in the State of Bihar. However, no DBU is available
in the Jamui Parliamentary Constituency.
Banks, inter-alia, consider proposals for opening banking outlets in the light of RBI’s
instructions, their business plans and their commercial viability. To further assess the viability
for opening a banking outlet, Banks carry out survey as required. The data for such proposals
received by the banks is not maintained centrally.
Further, the details of expenses for Financial Literacy Programme in Jamui district for the last
03 financial years is as under: -
Amount in actual
Financial Allocation Amount Release from
Year Amount (Expenses by Bank) RBI / NABARD
2022-23 7,59,093 7,59,093 27,416
2023-24 23,90,667 23,90,667 41,635
2024-25 38,53,886 38,53,886 40,878
Source: SLBC, Bihar
(e) As apprised by NABARD, sanctioning of projects under the Rural Infrastructure
Development Fund (RIDF) for FY 2026–27 will commence after finalization of the corpus
under RIDF Tranche XXXII and allocation of the same to NABARD by Government of
India/Reserve Bank of India. Hence, no new project has been approved for Jamui in FY 2026-
27 under RIDF.
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