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Date: 2016-11-16 Category: Not Applicable State: Union Government Country: India

Section 23 of the Banking Regulation Act, 1949 – Master Circular on Branch Licensing – Census data 2011 – RRBs

Issued by Reserve Bank of India · Not Applicable

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Executive Summary & Key Takeaways

Executive Summary: This document, issued by the Reserve Bank of India (RBI), advises all Regional Rural Banks (RRBs) to use the Census 2011 data for categorizations related to branch licensing, effective immediately. It includes details on tier-wise population groups, lists of underbanked districts in underbanked states, and lists of underbanked districts in other states based on Census 2011. This follows up on the Master Circular on Branch Licensing from July 1, 2015. Key Points / Main Content: * **Census 2011 Adoption:** * RRBs must follow Census 2011 data for all categorization purposes. * **Tier-wise Population Groups (Annex 1):** * Tier 1: 100,000 and above * Tier 2: 50,000 to 99,999 * Tier 3: 20,000 to 49,999 * Tier 4: 10,000 to 19,999 * Tier 5: 5,000 to 9,999 * Tier 6: Less than 5,000 * **Population Group Classification (Annex 1):** * Rural Centre: Population up to 9,999 * Semi-urban Centre: Population from 10,000 to 99,999 * Urban Centre: Population from 100,000 to 999,999 * Metropolitan Centre: 1,000,000 and above * **Underbanked Districts (Annex 2 & 3):** * Lists of underbanked districts in underbanked states are provided based on the 2011 census. * Lists of underbanked districts in other states are provided based on the 2011 census. Impact Analysis: Regional Rural Banks (RRBs): * Impact: RRBs are required to update their branch licensing strategies and categorization of areas based on the latest Census 2011 data. This may influence decisions on branch expansion and resource allocation. * Action Required: Review current branch licensing strategies and align them with the Census 2011 data for categorization of areas, particularly concerning tier-wise population groups and identification of underbanked districts.

Key Entities Referenced

Bihar: One of the underbanked states listed in Annex 2. Assam: One of the underbanked states listed in Annex 2. Regional Rural Banks: Financial institutions regulated under the Banking Regulation Act, 1949, advised to follow Census 2011 data for categorizations. Banking Regulation Act, 1949: The Act under which branch licensing and operations of banks, including Regional Rural Banks, are regulated. Census 2011: The population census data used by Regional Rural Banks for categorizing areas and branch licensing purposes. Mumbai, Maharashtra: Location of the Department of Banking Regulation, Central Office. Underbanked Districts: Areas identified based on Census 2011 data, categorized by state, requiring specific attention from Regional Rural Banks. Arunachal Pradesh: One of the underbanked states listed in Annex 2.
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RBI/2016-17/134 DBR.RRB.BC.No.36/31.01.002/2016-17 November 16 , 2016 All Regional Rural Banks Dear Sir / Madam, Section 23 of the Banking Regulation Act, 1949 - Master Circular on Branch Licensing - Census data 2011 Please refer to our Master circular on Branch Licensing DBR.CO.RRB.BL.BC.No.17/31.01.002/2015-16 dated July 1, 2015. As the Census data for 2011 are available in public domain, Regional Rural Banks are advised to follow Census 2011 for all purposes of categorisations. The details of Tier-wise Population Groups, List of Underbanked Districts in Underbanked States and List of Underbanked Districts in other States based on Census 2011 are enclosed at Annex 1, 2 and 3 respectively. Yours faithfully, (S.S.Barik) Chief General Manager-in-Charge Encl. as above ब��कंग �व�नयमन �वभाग, क�द्र�य कायार्लय, 12वी ं और 13वी ं मंिज़ल, क�द्र�य कायार्लय भवन, शह�द भगत �सहं माग,र् मंबु ई 400001 टेल�फोन /Tel No: 22661602, 22601000 फैक्स/Fax No: 022-2270 5670, 2260 5671, 5691 2270, 2260 5692 Department of Banking Regulation, Central Office, 12th & 13th Floor, Central Office Bhavan, Shahid Bhagat Singh Marg, Mumbai – 400001. Tel No: 22661602, 22601000 Fax No: 022-2270 5670, 2260 5671, 5691 2270, 2260 56922 Annex 1 Details of tier-wise classification of centres based on population i) Classification of centres (tier-wise) Population (as per 2011 Census) Tier 1 - 1, 00,000 and above Tier 2 - 50,000 to 99,999 Tier 3 - 20,000 to 49,999 Tier 4 - 10,000 to 19,999 Tier 5 - 5,000 to 9,999 Tier 6 - Less than 5000 ii) Population-group wise classification of centres Rural Centre - Population up to 9,999 Semi-urban centre - from 10,000 to 99,999 Urban centre - from 1, 00,000 to 9, 99,999 Metropolitan centre - 10, 00,000 and above3 Annex 2 List of Underbanked Districts in Underbanked States (based on 2011 Population census) Sr. Sr. State/ District State/ District No. No. Arunachal Pradesh 22 Nalbari 1 Anjaw 23 Sivasagar 2 Changlang 24 Sonitpur 3 East Kameng 25 Tinsukia 4 Kurung Kumey 26 Udalguri 5 Lohit Bihar 6 Longding 1 Araria 7 Lower Dibang Valley 2 Arwal 8 Tirap 3 Aurangabad 9 Upper Subansiri 4 Banka 10 West Siang 5 Begusarai Assam 6 Bhagalpur 1 Baksa 7 Bhojpur 2 Barpeta 8 Buxar 3 Bongaigaon 9 Darbhanga 4 Cachar 10 Gaya 5 Chirang 11 Gopalganj 6 Darrang 12 Jamui 7 Dhemaji 13 Jehanabad 8 Dhubri 14 Kaimur (Bhabua) 9 Dibrugarh 15 Katihar 10 Dima Hasao 16 Khagaria 11 Goalpara 17 Kishanganj 12 Golaghat 18 Lakhisarai 13 Hailakandi 19 Madhepura 14 Jorhat 20 Madhubani 15 Kamrup 21 Munger 16 Karbi Anglong 22 Muzaffarpur 17 Karimganj 23 Nalanda 18 Kokrajhar 24 Nawada 19 Lakhimpur 25 Pashchim Champaran 20 Morigaon 26 Purba Champaran 21 Nagaon 27 Purnia4 28 Rohtas 3 Deoghar 29 Saharsa 4 Dhanbad 30 Samastipur 5 Dumka 31 Saran 6 Garhwa 32 Sheikhpura 7 Giridih 33 Sheohar 8 Godda 34 Sitamarhi 9 Gumla 35 Siwan 10 Hazaribagh 36 Supaul 11 Jamtara 37 Vaishali 12 Khunti Chhattisgarh 13 Kodarma 1 Balod 14 Latehar 2 Balodabazar 15 Lohardaga 3 Balrampur 16 Pakur 4 Bastar 17 Palamu 5 Bemetara 18 Pashchimi Singhbhum 6 Bijapur 19 Ramgarh 7 Bilaspur 20 Sahibganj 8 Dakshin Bastar Dantewada 21 Saraikela-Kharsawan 9 Dhamtari 22 Simdega 10 Gariyaband Madhya Pradesh 11 Janjgir - Champa 1 Agar_Malwa 12 Jashpur 2 Alirajpur 13 Kabeerdham 3 Anuppur 14 Kondagaon 4 Ashoknagar 15 Korba 5 Balaghat 16 Koriya 6 Barwani 17 Mahasamund 7 Betul 18 Mungeli 8 Bhind 19 Narayanpur 9 Burhanpur 20 Raigarh 10 Chhatarpur 21 Rajnandgaon 11 Chhindwara 22 Sukma 12 Damoh 23 Surajpur 13 Datia 24 Surguja 14 Dewas 25 Uttar Bastar Kanker 15 Dhar Jharkhand 16 Dindori 1 Bokaro 17 Guna 2 Chatra 18 Jhabua5 19 Katni 12 Hingoli 20 Khandwa (East Nimar) 13 Jalgaon 21 Khargone (West Nimar) 14 Jalna 22 Mandla 15 Kolhapur 23 Mandsaur 16 Latur 24 Morena 17 Nanded 25 Narsimhapur 18 Nandurbar 26 Neemuch 19 Nashik 27 Panna 20 Osmanabad 28 Raisen 21 Palghar 29 Rajgarh 22 Parbhani 30 Ratlam 23 Sangli 31 Rewa 24 Satara 32 Sagar 25 Solapur 33 Satna 26 Wardha 34 Sehore 27 Washim 35 Seoni 28 Yavatmal 36 Shahdol Manipur 37 Shajapur 1 Bishnupur 38 Sheopur 2 Chandel 39 Shivpuri 3 Churachandpur 40 Sidhi 4 Imphal East 41 Singrauli 5 Imphal West 42 Tikamgarh 6 Senapati 43 Ujjain 7 Tamenglong 44 Umaria 8 Thoubal 45 Vidisha 9 Ukhrul Maharashtra Meghalaya 1 Ahmadnagar 1 East Garo Hills 2 Akola 2 East Jaintia Hills 3 Amravati 3 North Garo Hills 4 Aurangabad 4 South Garo Hills 5 Bhandara 5 South West Garo Hills 6 Bid 6 South West Khasi Hills 7 Buldana 7 West Garo Hills 8 Chandrapur 8 West Khasi Hills 9 Dhule Nagaland 10 Gadchiroli 1 Mon 11 Gondiya 2 Kiphire6 3 Longleng 9 Chittaurgarh 4 Mokokchung 10 Churu 5 Peren 11 Dausa 6 Phek 12 Dhaulpur 7 Tuensang 13 Dungarpur 8 Wokha 14 Jaisalmer 9 Zunheboto 15 Jalor Odisha 16 Jhalawar 1 Balangir 17 Jhunjhunun 2 Baleshwar 18 Jodhpur 3 Bargarh 19 Karauli 4 Baudh 20 Nagaur 5 Bhadrak 21 Pali 6 Dhenkanal 22 Pratapgarh 7 Gajapati 23 Rajsamand 8 Ganjam 24 Sawai Madhopur 9 Jajapur 25 Sikar 10 Kalahandi 26 Sirohi 11 Kandhamal 27 Tonk 12 Kendrapara 28 Udaipur 13 Kendujhar Uttar Pradesh 14 Koraput 1 Agra 15 Malkangiri 2 Aligarh 16 Mayurbhanj 3 Allahabad 17 Nabarangapur 4 Ambedkar Nagar 18 Nayagarh 5 Amethi 19 Nuapada 6 Amroha (Jyotiba Phule Nagar) 20 Puri 7 Auraiya 21 Rayagada 8 Azamgarh 22 Subarnapur (Sonepur) 9 Baghpat Rajasthan 10 Bahraich 1 Alwar 11 Ballia 2 Banswara 12 Balrampur 3 Baran 13 Banda 4 Barmer 14 Bara Banki 5 Bharatpur 15 Bareilly 6 Bhilwara 16 Basti 7 Bikaner 17 Bijnor 8 Bundi 18 Budaun7 19 Bulandshahr 54 Pilibhit 20 Chandauli 55 Pratapgarh 21 Chitrakoot 56 Rae Bareli 22 Deoria 57 Rampur 23 Etah 58 Saharanpur 24 Etawah 59 Sambhal (Bhim Nagar) 25 Faizabad 60 Sant Kabir Nagar 26 Farrukhabad 61 Sant Ravidas Nagar (Bhadohi) 27 Fatehpur 62 Shahjahanpur 28 Firozabad 63 Shamli (Prabudh Nagar) 29 Ghazipur 64 Shrawasti 30 Gonda 65 Siddharthnagar 31 Gorakhpur 66 Sitapur 32 Hamirpur 67 Sonbhadra 33 Hapur (Panchsheel Nagar) 68 Sultanpur 34 Hardoi 69 Unnao 35 Hathras (Mahamaya Nagar) West Bengal 36 Jalaun 1 Alipurduar 37 Jaunpur 2 Bankura 38 Jhansi 3 Barddhaman 39 Kannauj 4 Birbhum 40 Kanpur Dehat 5 Dakshin Dinajpur 41 Kasganj (Kanshiram Nagar) 6 Haora 42 Kaushambi 7 Hugli 43 Kheri 8 Jalpaiguri 44 Kushinagar 9 Koch Bihar 45 Lalitpur 10 Maldah 46 Mahoba 11 Murshidabad 47 Mahrajganj 12 Nadia 48 Mainpuri 13 North Twenty Four Parganas 49 Mathura 14 Paschim Medinipur 50 Mau 15 Purba Medinipur 51 Mirzapur 16 Puruliya 52 Moradabad 17 South Twenty Four Parganas 53 Muzzafarnagar 18 Uttar Dinajpur Total No. of Under banked Districts in Under banked States : 3568 Annex 3 List of Underbanked Districts in other States (as per 2011 Population census) Sr. State/Districts Sr. No. State/ Districts No. Andaman & Nicobar Islands 1 Nicobars Jammu & Kashmir 2 North & Middle Andaman 1 Anantnag Andhra Pradesh 2 Bandipore 1 Anantapur 3 Doda 2 Kurnool 4 Kishtwar 3 Srikakulam 5 Kupwara Gujarat 6 Punch 1 Amreli 7 Rajouri 2 Aravalli 8 Ramban 3 Banas Kantha Karnataka 4 Bhavnagar 1 Bidar 5 Botad 2 Bijapur (Vijayapura) 6 Chhotaudaipur 3 Chamarajanagar 7 Devbhumi Dwarka 4 Gulbarga (Kalaburagi) 8 Dohad 5 Kolar 9 Gir Somnath 6 Koppal 10 Kheda 7 Yadgir 11 Mahisagar Kerala 12 Narmada 1 Malappuram 13 Panch Mahals Mizoram 14 Patan 1 Lawngtlai 15 Surat 2 Saiha 16 Surendranagar Sikkim 17 Tapi 1 West District 18 The Dangs Tamil Nadu Haryana 1 Ariyalur 1 Mewat 2 Cuddalore 2 Palwal 3 Dharmapuri Telangana 4 Krishnagiri 1 Adilabad 5 Nagapattinam 2 Karimnagar 6 Ramanthapuram 3 Mahbubnagar 7 Salem 4 Warangal 8 Tiruvanamalai Tripura 9 Vellore 1 Dhalai 10 Villupuram 2 Gomati 3 Khowai9 4 North Tripura 5 Sepahijala 6 Unakoti Total No. of Under banked Districts in other States : 64

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