RBI/2019-20/10

FIDD.CO.LBS.BC.No.06/02.01.001/2019-20 July 2, 2019

The Chairmen/ Managing Directors/ Chief Executive Officers

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
June 30, 2019 as listed in the Appendix.

2. This Master Circular has been placed on the RBI website http://www.rbi.org.in

Yours faithfully,

(Gautam Prasad Borah)

Chief General Manager-in- Charge

Encl.: As above

�वत्तीय समावेशन और �वकास �वभाग, केन्द्र�य कायार्लय,10 वी मंिजल, क�द्र�य कायार्लय भवन, शह�द भगत�संह मागर्,पोस्ट बॉक्स सं. 10014, मंब
ु ई -400001
Financial Inclusion & Development Dept, Central Office,10th Floor, Central Office Building, Shahid Bhagat Singh Marg, P.B.No.10014, Mumbai-1

टे ल� Tel:022-22601000 फैक्सः 91-22-22621011/22610943/22610948 ई-मेल : cgmincfidd@rbi.org.in

�हंद� आसान है , इसका प्रयोग बढ़ाइए।
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धन रखने या दे ने का प्रस्ताव भी नह�ं करता है । ऐसे प्रस्ताव� का �कसी भी तर�के से जवाब मत द�िजए।"
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 2

Structure

1 Introduction
2 Fora under Lead Bank Scheme
2.1 Block Level Bankers’ Committee
2.2 District Consultative Committee (DCC)
2.2.1 Constitution of DCC
2.2.2 Conduct of DCC Meetings
2.2.3 Agenda for DCC Meetings
2.2.4 Role of LDMs
2.2.5 Quarterly Public Meeting and Grievance Redressal
2.2.6 District Level Review Committee (DLRC) Meetings
2.2.7 DCC/DLRC meetings – Annual Calendar of Meetings
2.3 State Level Bankers’ Committee (SLBC)
2.3.1 Constitution of SLBC
2.3.2 Conduct of SLBC Meetings
2.3.3 Revised Agenda for SLBC Meetings
2.3.4 SLBC – Yearly Calendar of Meetings
2.3.5 SLBC Website – Standardization of information/data
2.3.6 Liaison with State Government
2.3.7 Capacity Building/Training/Sensitization Programmes
3 Implementation of Lead Bank Scheme
3.1 Preparation of credit plans
3.2 Potential Linked Credit Plans (PLPs)
3.3 Monitoring the performance of credit plans
3.4 Revised mechanism of Data Flow for LBS fora meetings
4 Assignment of Lead Bank Responsibility
5 Banking Penetration
5.1 Roadmap for provision of banking services in unbanked villages
5.2 Roadmap for opening brick and mortar branches in villages with
population more than 5000 without a bank branch of a scheduled
commercial bank
5.3 Aligning roadmap for unbanked villages having population more than
5000 with revised guidelines on Branch Authorisation Policy
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 Doubling of Farmers’ Income by 2022
10 References of Directions/Circulars relevant to Lead Bank Scheme
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Introduction

(i) The genesis of the Lead Bank Scheme (LBS) can be traced to the Study Group
headed by Prof. D. R. Gadgil (Gadgil Study Group) on the Organizational Framework
for the Implementation of the Social Objectives, which submitted its report in October
1969. The Study Group drew attention to the fact that commercial banks did not
have adequate presence in rural areas and also lacked the required rural orientation.
The Study Group, therefore, recommended the adoption of an 'Area Approach' to
evolve plans and programmes for the development of an adequate banking and
credit structure in the rural areas.

(ii) A Committee of Bankers on Branch Expansion Programme of Public Sector

Banks appointed by the Reserve Bank of India under the Chairmanship of Shri F. K.
F. Nariman (Nariman Committee) endorsed the idea of an ‘Area Approach’ in its
report (November 1969), recommending that in order to enable the Public Sector
Banks to discharge their social responsibilities, each bank should concentrate on
certain districts where it should act as a 'Lead Bank'.

(iii) Pursuant to the above recommendations, the Lead Bank Scheme was
introduced by the Reserve Bank of India in December 1969. The Scheme aims at
coordinating the activities of banks and other developmental agencies through
various fora in order to achieve the objective of enhancing the flow of bank finance to
the priority sector and other sectors and to promote banks' role in the overall
development of the rural sector. For coordinating the activities in the district, a
particular bank is assigned ‘Lead Bank’ responsibility of the district. The Lead Bank
is expected to assume a leadership role for coordinating the efforts of the credit
institutions and the Government.

(iv) In view of the several changes that had taken place in the financial sector, the
Lead Bank Scheme was last reviewed by the High Level Committee headed by Smt.
Usha Thorat, the then Deputy Governor of the Reserve Bank of India in 2009.

(v) The High Level Committee held wide ranging discussions with various
stakeholders viz. State Governments, banks, development institutions,
academicians, NGOs, MFIs etc. and noted that the Scheme has been useful in
achieving its original objectives of improvement in branch expansion, deposit
 4

mobilisation and lending to the priority sector, especially in rural/semi urban areas.
There was overwhelming consensus that the Scheme needs to continue. Based on
the recommendations of the Committee, the guidelines were issued to SLBC
Convenor banks and Lead Banks for implementation.

(vi) Envisaging greater role for private sector banks, Lead Banks were advised to
ensure that private sector banks are more closely involved in the implementation of
the Lead Bank Scheme. Private sector banks should involve themselves more
actively by leveraging on Information Technology bringing in their expertise in
strategic planning. They should also involve themselves in the preparation as well
as implementation of the District Credit Plan.

(vii) In view of the changes that have taken place in the financial sector over the
years, the Reserve Bank of India had constituted a “Committee of Executive
Directors” of the Bank to study the efficacy of the Scheme and suggest measures for
its improvement. Based on the Committee’s recommendations and feedback
received from various stakeholders, certain ‘action points’ were issued to SLBC
Convenors/Lead Banks and NABARD on April 6, 2018.

2. Fora under Lead Bank Scheme

2.1 Block Level Bankers’ Committee (BLBC)

Block Level Bankers’ Committee (BLBC) is a forum for achieving coordination

between credit institutions and field level development agencies at the block level.
The forum prepares and reviews the implementation of the Block Credit Plan and
also resolves operational problems in the implementation of the credit programmes
of banks. The Lead District Manager (LDM) of the district is the Chairman of the
Block Level Bankers’ Committee. All the banks operating in the block including the
Small Finance Banks, the District Central Co-operative Banks, RRBs, Block
Development Officer, technical officers in the block, such as extension officers for
agriculture, industries and co-operatives are members of the Committee. BLBC
meetings are held at quarterly intervals. To strengthen the BLBC forum which
operates at the base level of the Lead Bank Scheme, it is necessary that all branch
managers attend BLBC meetings and enrich the discussions with their valuable
inputs. Controlling Heads of banks may also attend a few of the BLBC meetings
 5

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 Block
Level Bankers’ Committee meetings in their district and actively participate in the
credit planning exercise and review meetings at the block level. The Lead District
Officer (LDO) of the Reserve Bank of India (RBI) selectively attends the BLBC
meetings. The representatives of Panchayat Samitis are also invited to attend the
meetings at half yearly intervals so as to share their knowledge and experience on
rural development in the credit planning exercise. Payments Banks should also be
invited to attend the meetings.

2.2 District Consultative Committee (DCC)

2.2.1 Constitution of DCC

The District Consultative Committees were constituted in the early seventies as a

common forum at the district level for bankers as well as Government
agencies/departments to facilitate coordination in implementing various
developmental activities under the Lead Bank Scheme. The District Collector is the
Chairman of the DCC meetings. Reserve Bank of India, NABARD, all the
commercial banks including Small Finance Banks in the district, co-operative banks
including the District Central Cooperative Bank (DCCB), RRBs, Payments Banks
various State Government departments and allied agencies are the members of the
DCC. The Lead District Officer (LDO) represents the Reserve Bank as a member of
the DCC. The Lead District Manager (LDM) convenes the DCC meetings. The
Director of Micro, Small and Medium Enterprises Development Institute (MSME-DI)
in the district is an invitee in districts where MSME clusters are located to discuss
issues concerning MSMEs.

2.2.2 Conduct of DCC Meetings

i) DCC meetings should be convened by the Lead Banks at quarterly intervals.

ii) At the DCC level, sub-committees, as appropriate may, be set up to work
intensively on specific issues and submit reports to the DCC for its consideration.
iii) DCC should give adequate feedback to the SLBC on various issues that need to
be discussed on a wider platform, so that these receive adequate attention at the
State Level.
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2.2.3 Agenda for DCC Meetings

While Lead Banks are expected to address the problems particular to the concerned
districts, some of the important areas which are common to all districts which the
lead banks should invariably discuss in the fora are as under:
i) Review of progress under financial inclusion plan (FIP).
ii) The specific issues inhibiting and enabling IT enabled financial inclusion
iii) Issues to facilitate 'enablers' and remove/minimise 'impeders' for banking
development for inclusive growth
iv) Monitoring initiatives for providing 'Credit Plus' activities by banks and State
Governments such as setting up of Financial Literacy Centres (FLCs) and
RSETI# type Training Institutes for providing skills and capacity building to
manage businesses.
v) Scaling up financial literacy efforts to achieve financial inclusion.
vi) Review of performance of banks under District Credit Plan (DCP)
vii) Flow of credit to priority sector and weaker sections of the society
viii) Doubling of Farmers’ Income by 2022
ix) Assistance under Government sponsored schemes
x) Grant of educational loans
xi) Progress under SHG - bank linkage
xii) SME financing & bottlenecks thereof, if any
xiii) Timely submission of data by banks
xiv) Review of relief measures (in case of natural calamities wherever applicable)
The above list is illustrative and not exhaustive. The lead banks may include any
other agenda item considered necessary.

# Rural Self Employment Training Institutes (RSETIs) should be more actively

involved and monitored at various fora of LBS particularly at the DCC level. Focus
should be on development of skills to enhance the credit absorption capacity in the
area and renewing the training programmes towards sustainable micro enterprises.
RSETIs should design specific programmes for each district/ block, keeping in view
the skill mapping and the potential of the region for necessary skill training and skill
up gradation of the rural youth in the district.
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2.2.4 Role of LDMs

As the effectiveness of the Lead Bank Scheme depends on the dynamism of the
District Collectors and the Lead District Managers (LDMs), with supportive role of the
Regional/Zonal Office, the office of LDM should be sufficiently strengthened with
appropriate infrastructural support being the focal point for the successful
implementation of the Lead Bank Scheme. Apart from the provision of a separate
office space, technical infrastructure like computers, printer, data connectivity, etc.
which are basic necessities for LDMs to discharge their core responsibilities may be
provided to LDMs’ Office without exception. Officers of appropriate level, attitude
and possessing requisite leadership skills should be posted as LDMs. Additionally, it
is suggested that a dedicated vehicle may be provided to LDMs’ to facilitate closer
liaison with the bank officials, district administration officials as also to organise/
attend various financial literacy initiatives and meetings. The absence of a specialist
officer/assistant for data entry/analysis is a common and major issue faced by LDMs.
Liberty to hire the services of skilled computer operator may be given to the LDMs to
overcome the shortage of staff/ in case appropriate staff is not posted at LDM office.
Further, for successful functioning of the Lead Bank Scheme, we expect Lead Banks
to go the extra mile to provide facilities over and above the bare minimum to these
critical field functionaries. Apart from the usual role of LDMs like convening meetings
of the DCC/DLRC and periodical meetings of DDM/LDO/ Government officials for
resolving outstanding issues etc., the new functions envisaged for LDMs include the
following:

i) Monitoring the implementation of the District Credit Plan

ii) Associate with the setting up of Financial Literacy Centres (FLCs), RSETIs by
banks
iii) Associate with organizing financial literacy camps by FLCs and rural branches
of banks.
iv) Holding annual sensitisation workshops for banks and Government officials
with participation by NGOs/Panchayati Raj Institutions (PRIs)
v) Arranging for quarterly awareness and feedback public meetings, grievance
redressal etc.
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2.2.5 Quarterly Public Meeting and Grievance Redressal

The Lead District Manager should convene a quarterly public meeting at various
locations in the district in coordination with the LDO of Reserve Bank, banks having
presence in the area and other stakeholders to generate awareness of the various
banking policies and regulations relating to the common person, obtain feedback
from the public and provide grievance redressal to the extent possible at such
meetings or facilitate approaching the appropriate machinery for such redressal.

2.2.6 District Level Review Committee (DLRC) Meetings

DLRC meetings are Chaired by the District Collector and attended by members of
the District Consultative Committee (DCC). Public Representatives i.e. Local
MPs/MLAs/ Zilla Parishad Chiefs are also invited to these meetings. The DLRC
meetings should be convened by the Lead Banks at least once in a quarter. The
DLRC is a forum to review the pace and quality of the implementation of various
programmes under the Lead Bank Scheme in the district. Hence, association of non-
officials is considered useful. Lead Banks are required to ensure the presence of
public representatives in DLRC meetings as far as possible. 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. and invite and involve them in all
functions conducted by the banks in the districts, such as opening of new banking
outlets, distribution of Kisan Credit Cards, SHG credit linkage programmes, etc.
Responses to queries from public representatives need to be accorded highest
priority and attended to promptly. The follow up of the DLRC’s decisions is required
to be discussed in the DCC meetings.

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 above meetings.
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ii) Lead Banks have, therefore, been advised to prepare an Annual Schedule of
DCC and DLRC meetings on Calendar year basis for all districts in consultation with
the Chairperson of the meetings, Lead District Officer of the RBI and Public
Representatives in case of DLRC. This yearly Calendar should be prepared in the
beginning of each year and circulated to all members as advance intimation for
blocking future dates to attend the DCC and DLRC meetings and the meetings
should be conducted as per the calendar. While preparing the Calendar, it should be
ensured that DCC and DLRC meetings are not held simultaneously.

2.3 State Level Bankers’ Committee (SLBC)

2.3.1 Constitution of SLBC

i) The State Level Bankers’ Committee (SLBC) was constituted in April 1977, as an
apex inter-institutional forum to create adequate coordination machinery in all States,
on a uniform basis for development of the State. SLBC is chaired by the Chairman/
Managing Director/ Executive Director of the Convenor Bank. It comprises
representatives of commercial banks including Small Finance Banks, RRBs,
Payments Banks, State Cooperative Banks, RBI, NABARD, heads of Government
departments including representatives from National Commission for Scheduled
Castes/Tribes, National Horticulture Board, Khadi & Village Industries Commission
etc. and representatives of financial institutions operating in a State, who come
together and sort out coordination problems at the policy implementation level.
Representatives of various organizations from different sectors of the economy like
industry bodies, retail traders, exporters, farmers’ unions, etc. are special invitees in
the SLBC meetings for discussing their specific problems, if any. SLBC meetings are
held on quarterly basis. The responsibility for convening the SLBC meetings would
be of the SLBC Convenor Bank of the State.

ii) Recognising that SLBCs, primarily as a committee of bankers at the State level,
play an important role in the development of the State, illustrative guidelines on the
conduct of State Level Bankers’ Committee meetings have been issued.

2.3.2 Conduct of SLBC Meetings

i) SLBC meetings are required to be held regularly at quarterly intervals. The
meetings are chaired by the Chairman/ Managing Director/ Executive Director of the
Convenor Bank and co-chaired by the Additional Chief Secretary or Development
 10

Commissioner of the State concerned. In cases where the Managing Director/Chief

Executive Officer/Executive Director of the SLBC Convenor Bank is unable to attend
SLBC Meetings, the Regional Director of the RBI shall co-chair the meetings along
with the Additional Chief Secretary/Development Commissioner of the State
concerned. A High Level of participation in SLBC/UTLBC meetings ensures an
effective and desired outcome with meaningful discussion on issues of public policy
of both the Government of India and the Reserve Bank of India.

ii) The Chief Minister/Finance Minister and senior level officers of the State/RBI (of
the rank of Deputy Governor / Executive Director) may be invited to attend the SLBC
meetings. Further, the State Chief Ministers are encouraged to attend at least one
SLBC meeting in a year.

iii) State Level Bankers’ Committee meetings should primarily focus on policy issues
with participation of only the senior functionaries of the banks/ Government
Departments. All routine issues may be delegated to sub-committee(s) of the SLBC.
A Steering Sub-committee may be constituted in the SLBC to deliberate on agenda
proposals from different stakeholders and finalise a compact agenda for the SLBC
meetings. Typically, the Sub-Committee could consist of SLBC Convenor, RBI &
NABARD representatives & senior State Government representative from the
concerned department, e.g. Finance/ Institutional Finance and two to three banks
having major presence.

iv) Other issue-specific sub-committees may be constituted as required. The sub

committees may examine the specific issues relating to agriculture, micro,
small/medium industries/enterprises, handloom finance, export promotion and
financial inclusion, etc. in-depth and devise solutions/recommendations for adoption
by the full committee. They are expected to meet more frequently than the SLBC.
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.
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vii) Several institutions and academicians are engaged in research, studies etc. that
have implications for sustainable development in agriculture and MSME sector.
Engaging with such research institutions and academicians would be useful in
bringing in new ideas for furthering the objectives of the Lead Bank Scheme. The
SLBCs may, therefore, identify such academicians and researchers and invite them
as 'special invitees' to attend SLBC meetings occasionally both for adding value to
the discussions and also associate them with studies appropriate to the State. Other
'special invitees' may be invited to attend SLBC meetings depending on the agenda
items/issues to be discussed in the meetings.

viii) The activities of NGOs in facilitating and channelling credit to the low income
households are expected to increase in the coming years. Several corporate houses
are also engaged in corporate social responsibility activities for sustainable
development. A linkage with such NGOs/Corporate houses operating in the area to
ensure that the NGOs/corporates provide the necessary 'credit plus' services can
help leverage bank credit for inclusive growth. Success stories could be presented in
SLBC meetings to serve as models that could be replicated.

2.3.3 Revised Agenda for SLBC Meetings

1. Review of financial inclusion initiatives, expansion of banking network and
Financial Literacy
a. Status of opening of banking outlets in unbanked villages, CBS-enabled
banking outlets at the unbanked rural centres (URCs)
b. Review of Operations of Business Correspondents – hurdles/issues 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 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
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g. Review of efforts towards end to end projects involving all stakeholders in the
supply chain

2. Review of credit disbursement by banks

a. Achievement under ACP of the State, Priority Sector Lending
b. Discussion on lending towards government sponsored schemes (DAY-NRLM,
DAY-NULM, MUDRA, Stand-Up India, PMEGP, etc.) and impact of these
schemes
c. Flow of credit to MSMEs and for affordable housing
d. KCC loan, crop insurance under PMFBY
e. Grant of Education Loans
f. Progress under SHG-bank linkage

3. Doubling of Farmers’ Income by 2022

4. CD Ratio, Review of Districts with CD Ratio below 40% and working of Special
Sub-Committees of the DCC (SSC).

5. Position of NPAs in respect of schematic lending, Certificate Cases and

Recovery of NPAs

6. Review of restructuring of loans in natural calamity affected districts in the State,

if any

7. Discussion on policy initiatives of the Central/State Government/RBI (Industrial

Policy, MSME Policy, Agriculture Policy, Start-Up Policy, etc.), and expected
involvement of banks

8. Discussion on improving rural infrastructure/ credit absorption capacity

a. Any large project conceived by the State Government to help improve C-D
Ratio.
b. Explore the scope of state-specific potential growth areas and the way
forward – choosing partner banks.
c. Discussion on findings of region-focused studies, if any, and implementing the
suggested solutions
 13

d. Identification of gaps in rural and agriculture infrastructure which need

financing (rural godowns, solar power, agro processing, horticulture, allied
activities, agri-marketing etc.)
e. Implementation of Model Land Leasing Act 2016 (exploring possibility)

9. Efforts towards skill development on mission mode partnering with Krishi Vigyan
Kendra (KVK), Horticulture Mission, National Skill Development Corporation,
Agriculture Skill Council of India (ASCI), etc. including a review of functioning of
RSETIs

10. Steps taken for improving land record, progress in digitization of land records and
seamless loan disbursements.

11. Sharing of success stories and new initiatives at the district level that can be
replicated in other districts or across the State

12. Discussion on Market Intelligence Issues e.g.

a. Ponzi Schemes/ Illegal Activities of Unincorporated Bodies/ Firms/
Companies Soliciting Deposits from the Public
b. Banking Related Cyber Frauds, phishing, etc.
c. Instances of usurious activities by lending entities in the area, cases of over
indebtedness
d. Credit related frauds by borrower groups, etc.

13. Issues remaining unresolved at DCC/DLRC meeting

14. Timely submission of data by banks, adhering to the schedule of SLBC meeting
15. Any other item, with the permission of the Chair

The above list is illustrative and not exhaustive. SLBC Convenor Banks may include
any other agenda item considered necessary.

2.3.4 SLBC - Yearly Calendar of Meetings

i) To improve the effectiveness and streamline the functioning of SLBC/UTLBC

meetings, SLBC Convenor Banks have been advised to prepare a yearly calendar of
programmes (calendar year basis) in the beginning of the year itself, for conducting
 14

the meetings. The calendar of programmes should clearly specify the cut off dates
for data submission to SLBC and acceptance thereof by the SLBC Convenor. This
yearly calendar should be circulated to all the concerned as an advance intimation
for blocking of future dates of senior functionaries of various agencies like Central
Government, State Governments, banks, RBI, etc. The SLBC/UTLBC meetings
should be conducted as per the calendar under all circumstances. The agenda
should also be circulated in advance without waiting for the data from defaulting
banks. The matter should, however, be taken up with the defaulting banks in the
SLBC meeting. In addition, the SLBC Convenor Bank should write a letter in this
regard to the controlling office of the defaulting banks under advice to the Regional
Office of RBI. The SLBC Convenor Bank will, however, continue to follow-up with
banks for timely data submission. Further, in case the Chief Minister, Finance
Minister or other very senior functionaries are not able to attend the SLBC on some
very rare occasion, then if so desired by them, a special SLBC meeting can be held.
Following broad guidelines should be used for preparation of the calendar of
programmes:

Activity To be completed by (Date)

Preparation of calendar of SLBC/UTLBC 15th January every year
meetings 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 15 days before end of the
and submission of data by banks to SLBC quarter
Dead line for receipt of information/data by 15 days from the end of the
SLBC Convenor Bank quarter
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
meeting of 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
 15

of agenda papers to all stakeholders. It also ensures clear cut guidelines for the
submission of data to SLBC Convenors by participating banks & Government
Departments. It is expected to save precious time of SLBC Convenors otherwise
spent in taking dates from various senior functionaries attending these SLBC
meetings.

iii) SLBC Convenor Banks need to appreciate the advantages of ensuring

adherence to the yearly calendars. SLBC Convenor Banks have therefore been
advised to give wide publicity to the annual calendar at the beginning of the year and
ensure that dates of senior functionaries expected to attend the meetings are
blocked for all meetings by their offices. In case, despite blocking dates, if for some
reason, the senior functionary is not able to attend the meeting, the meeting should
be held as planned in the calendar. More importantly, the data for review in these
meetings should be received as per deadlines set in the calendar and those who do
not submit the data in time should be asked to explain the reasons for delay in
sending the data that may be recorded in the minutes of the meeting. Under no
circumstance, should the preparation of the agenda be delayed beyond the dates
stipulated as per the calendar.

2.3.5 SLBC Website – Standardisation of information /data

SLBC Convenor Banks are required to maintain the SLBC websites where all
instructions pertaining to LBS and Government Sponsored Schemes are made
available and are accessible to the common man desiring any information relating to
the conduct of meetings or State-wise data/bank-wise performance. In order to
standardize the information and data that is to be made available on the SLBC
website, an indicative list of the information & data is given in the Annex II. SLBCs
should arrange to place the prescribed minimum information on the websites of
SLBCs of their bank and keep it updated regularly, at least on quarterly basis. Banks
may 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,
 16

extending necessary support for banking development and to achieve the objective
of financial inclusion.

2.3.7 Capacity Building/Training/Sensitization Programmes

i) There is a need for sensitising the District Collectors and CEOs of Zilla Parishads
on banks and banking in general as also on the specific scope and role of the Lead
Bank Scheme. In each State, a full day ‘Sensitisation Workshop’ may be convened
by the SLBC Convenor Bank every year, preferably in April/May. Such sensitisation
should form part of the probationary training of such officers. Further, as soon as
they are posted in a district, the SLBC may arrange for exposure visits for the District
Collectors to the SLBC Convenor’s office for sensitisation and understanding of the
Lead Bank Scheme.

ii) Staff at the operational level of banks and government agencies associated with
implementation of the Lead Bank Scheme need to be aware of the latest
developments and emerging opportunities. There is need for staff sensitisation/
training/seminars, etc. at periodic intervals on an ongoing basis

3. Implementation of Lead Bank Scheme

3.1 Preparation of credit plans

Planning plays an important role in the implementation of the Lead Bank Scheme
and a bottom-up approach is adopted to map the existing potential for development.
Under LBS, planning starts with identifying block wise/activity wise potential
estimated for various sectors.

3.2 Potential Linked Credit Plans (PLPs)

i) Potential Linked Credit Plans (PLPs) are a step towards decentralized credit
planning with the basic objective of mapping the existing potential for development
through bank credit. PLPs take into account the long term physical potential,
availability of infrastructure support, marketing facilities, and policies/programmes of
Government etc. NABARD to take measures to ensure that PLPs should be more
focussed and implementable so that banks can utilize them more gainfully while
preparing the Branch Credit Plan. PLPs should emphasise on promotion of
 17

sustainable agricultural practices suitable to local conditions. While preparing the

PLPs, the focus must be on identifying processes and projects that:

a. reduce the carbon foot-print,

b. prevent the overuse of fertilizers,
c. ensure efficient utilisation of water and
d. address agricultural pollution issues.

The plans must also focus on promoting innovative farming systems such as organic
farming, bio dynamic farming, permaculture and sustainable small-scale farming, as
also promoting Farmer Producer Organisations (FPOs) and Farmers’ Markets. Such
initiatives must be supported by appropriate investments and project finance
frameworks.
[[

ii) A pre-PLP meeting is convened by LDM during June every year to be attended by
banks, Government agencies, etc., to reflect their views and concerns regarding
credit potential (sector/activity-wise) and deliberate on major financial and socio-
economic developments in the district in the last one year and priorities to be set out
for inclusion in the PLP. The DDM of NABARD makes a presentation in this
meeting outlining the major requirements of information for preparing the PLP for the
following year. The preparation of PLP for the next year is to be completed by
August every year to enable the State Government to factor in the PLP projections.

iii) The procedure for preparing the District Credit Plan is as follows:

a) Controlling Offices of commercial banks including Small Finance Banks and

Head Office of RRB and DCCB/LDB circulate the accepted block-
wise/activity-wise potential to all their branches for preparing the Branch
Credit Plans (BCP) by their respective branch managers. Banks should
ensure that the exercise of preparation of branch/block plans is completed in
time by all branches so that the Credit Plans become operational on time.

b) A special Block Level Bankers' Committee (BLBC) meeting is convened for

each block where the Branch Credit Plans are discussed and aggregated to
form the Block Credit Plan. The DDM and the LDM guide the BLBC in
finalizing the plan, ensuring that the Block Credit Plan is in tune with the
 18

potentials identified activity-wise including in respect of Government

Sponsored Schemes.

c) All the Block Credit Plans of the district are aggregated by the LDM to form
the District Credit Plan (DCP). This plan indicates an analytical assessment of
the credit needs of the district to be deployed by all the financial institutions
operating in the district and the total quantum of funds to be earmarked as
credit by all the financial institutions for a new financial year. The
Zonal/Controlling Offices of banks, while finalizing their business plans for the
year, should take into account the commitments made in the DCP which
should be ready well in time before the performance budgets are finalized.

d) The District Credit Plan is then placed before the DCC by the Lead District
Manager for final acceptance/approval. All the District Credit Plans are
eventually aggregated into a State Level Credit Plan to be prepared by SLBC
Convenor Bank and launched by the 1st of April every year.

e) The corporate business targets for branches, blocks, districts and states may
be aligned with the Annual Credit Plans (ACP) to ensure better
implementation. The Controlling Offices of the banks in each state should
synchronize their internal business plans with the ACP.

3.3 Monitoring the Performance of Credit Plans

The performance of the credit plans is reviewed in the various fora created under the
Lead Bank Scheme as shown below:

At Block Level Block Level Bankers’ Committee (BLBC)

At District Level District Consultative Committee (DCC) & District

Level Review Committee (DLRC)

At State Level State Level Bankers’ Committee (SLBC)

Monitoring of LBS by RBI - Monitoring Information System (MIS)

i) Data on Annual Credit Plan (ACP) is an important element to review the flow of
credit in the State. ACP formats are aligned with the extant reporting guidelines on
 19

priority sector lending. Accordingly, the ACP is to be prepared considering the

categories of priority sector that would include Agriculture, Micro, Small and Medium
Enterprises, Export Credit, Education, Housing, Social Infrastructure, Renewable
Energy and Others. Further, it has been decided that bank loans to Micro/Small and
Medium Enterprises (Services), engaged in providing or rendering of services as
defined in terms of investment in equipment under MSMED Act, 2006, shall qualify
under priority sector without any credit cap. Accordingly, the applicable loan limits
per borrower to Micro/Small Enterprises (₹ 5 crore) and Medium Enterprises (₹ 10
crore) under the MSMEs Sector (Services) for classification under priority sector
have been removed. The reporting statement for ACP target is LBS-MIS-I (Annex
III), statement for disbursement and outstanding LBS-MIS-II (Annex IV) and ACP
achievement vis-à-vis ACP target, LBS-MIS-III (Annex V). SLBC Convenor Banks/
Lead Banks have been advised to prepare the statements LBS MIS I, II and III as
per the revised formats starting from the financial year 2018-19. They should
prepare the bank group wise statements of LBS-MIS-I, II and III as per the
prescribed formats and also place these statements for meaningful review in all DCC
and SLBC meetings.

ii) In order to maintain consistency and integrity of data with the All-India data of
scheduled commercial banks and facilitate a meaningful review/analysis of data, the
ACP data needs to be grouped separately for scheduled commercial banks and
other banks like State Cooperative Banks, DCCBs, etc. while presenting in the
DCC/SLBC meetings and submitting to our regional offices. The data pertaining to
scheduled commercial banks needs to be further grouped into public sector banks,
private sector banks, Regional Rural Banks and Small Finance 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 Convener Banks. The
 20

extent to which this data corresponds with the data present in the Core Banking
Solution (CBS) of the respective banks also varies significantly. Therefore, there is
need of a standardized system to be developed on the website maintained by each
SLBC to enable uploading and downloading of the data pertaining to the Block,
District as well as the State. The relevant data must also be directly downloadable
from the CBS and/ or MIS of the banks with a view to keeping manual intervention to
a minimal level in the process. The procedure relating to the envisaged intervention
in this area is given below:
Management of Data Flow at LBS Fora – Procedure

i. Each bank’s CBS should have a provision to generate a report pertaining to all
LBS related data/ tables to Excel. This data should have information pertaining to
all the branches operating in the state including fields/ columns for District &
Block name. Access to Download & Export this data from the bank’s CBS should
be given to the Controlling Offices of the banks who would be solely responsible
for the process of ‘Data Feeding’ for all districts/ blocks within their jurisdiction.

ii. The ‘Data Feeding’ process is the process of uploading this Excel file
(downloaded in step (i) above) on the SLBC websites. SLBC websites should
have a provision to ‘Import/ Upload’ all the data present in the Excel Sheet on the
database of the SLBC website. This would obviate any manual ‘data entry’ at the
SLBC/ Controlling Office level.

iii. To facilitate the above functionality, each SLBC Convenor Bank would have to
add this ‘Import/ Upload’ functionality to their SLBC website along with the
requisite capabilities at the back-end.

iv. The SLBC website would, thus, effectively work as a data aggregation platform.
Further, data analysis capabilities could also be added to the SLBC websites
depending on the available resources.

v. The SLBC websites should provide access to LDMs to download district and
block specific data directly from this website thus ensuring integrity and timely
availability of data.
 21

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.

4. Assignment of Lead Bank Responsibility

i) Lead Bank Scheme is administered by the Reserve Bank of India since 1969. The
assignment of Lead Bank responsibility to designated banks in every district is done
by the Reserve Bank of India following a detailed procedure formulated for this
purpose. As on June 30, 2019, 18 public sector banks and one private sector bank
have been assigned Lead Bank responsibility in 717 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 June 30, 2019, the SLBC/ UTLBC
convenorship of 29 States and 7 Union Territories has been assigned to 14 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.
 22

5. Banking Penetration

i) Over the years, the focus of the Lead Bank Scheme has shifted to inclusive
growth and financial inclusion. The use of Information Technology (IT) and
intermediaries has enabled banks to increase the outreach, scale and depth of
banking services at affordable cost.

ii) SLBC Convenor Banks / Lead Banks are advised to focus attention on the need
for achieving 100% financial inclusion through penetration of banking services in the
rural areas. Upon issuance of DBR revised guidelines on ‘Rationalisation of Branch
Authorisation Policy’ on May 18, 2017 clarifying on ‘Banking Outlet’, banks were
advised to consider opening of a CBS-enabled banking outlet or a part time banking
outlet, as the case may be, in unbanked rural centres.

iii) SLBC Convenor Banks should take up with the State Governments, impeders
such as issues of road/digital connectivity, conducive law and order situation,
uninterrupted power supply, adequate security, etc. for ensuring banking expansion
at all centres where penetration by the formal banking system is required. However,
these impeders should not inhibit the scaling up of financial inclusion initiatives.

5.1 Roadmap for providing banking services in unbanked villages

In November 2009, a roadmap to provide banking services in villages with population

more than 2000 was rolled out. All the identified villages have been provided with
banking services through branches, business correspondents or through other
modes such as ATMs and mobile vans. Later, in June 2012, a roadmap to provide
banking services in unbanked villages with less than 2,000 population was rolled out.
SLBC Convenor Banks and Lead Banks were advised to complete the process of
providing banking services in unbanked villages with population below 2000 by
August 14, 2015.

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
 23

scheduled commercial bank. This was to enable banks to provide quality financial
services and timely support to BC outlets that would help in sustaining and
strengthening the services provided through BCs and also ensure close supervision
of BC operations. Accordingly, SLBC Convenor Banks were advised to identify
villages with population above 5000 without a bank branch of a scheduled
commercial bank in their State and allot these villages among scheduled commercial
banks (including Regional Rural Banks) for opening of branches.

5.3 Aligning roadmap for unbanked villages having population more than
5000 with revised Guidelines on Branch Authorisation Policy

In terms of circular DBR.No.BAPD.BC.69/22.01.001/2016-17 dated May 18, 2017

issued by DBR on ‘Rationalisation of Branch Authorisation Policy - Revision of
Guidelines’, final guidelines on ‘Banking Outlets’ have been issued with a view to
facilitate financial inclusion as also to provide flexibility to banks on the choice of
delivery channel. Accordingly, SLBC Convenor Banks have been advised to identify
all unbanked rural centres (URCs) in the State, compile and maintain an updated list
of all such centres. The updated list should be displayed on the website of each
SLBC to facilitate banks to choose/indicate the place/centre where they wish to open
a ‘banking outlet’.

ii) Further, SLBC Convenor Banks have been advised that in order to comply with
the criteria of opening at least 25 percent of the total banking outlets in unbanked
rural centres in Tier 5 & 6 centres, as prescribed vide DBR 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 unbanked rural centres should be tabled in all SLBC meetings
during discussions on the progress of providing banking services in unbanked rural
centres.
 24

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% in respect of their rural and
semi-urban branches separately on an All-India basis. While it is not necessary that
this ratio should be achieved separately, branch-wise, district-wise or region-wise,
the banks should, nevertheless, ensure that wide disparity in the ratios between
different States / Regions is avoided in order to minimise regional imbalance in credit
deployment. The credit dispensation in certain districts is very low, as a result of
various factors such as lack of necessary infrastructure, varying ability of different
regions to absorb credit, etc. Banks may review the performance of their bank
branches in such areas and take necessary steps to augment the credit flow. The
Lead Banks may discuss the problem in all its aspects with the other financial
institutions in the district and also in the DCC forum.

6.2 Implementation of the Recommendations of the Expert Group on CD

Ratio

i) An Expert Group was constituted by the Government of India to go into the nature
and magnitude of the problem of low CD Ratio across States / Regions and to
suggest steps to overcome the problem. The Expert Group examined the problems
and 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
Further, banks are advised that:

• In the districts having CD Ratio less than 40, Special Sub-Committees (SSCs)
of the DCC shall be set up to monitor the CD Ratio.
• Districts having CD Ratio between 40 and 60, shall be monitored under the
existing system by the DCC, and
 25

• The district with CD Ratio of less than 20 need to be treated on a special

footing.

ii) Special Sub-Committees (SSCs) of the DCC should be set up in the districts
having CD Ratio less than 40 percent, in order to monitor the CD Ratio and to draw
up Monitorable Action Plans (MAPs) to increase the CD Ratio. The Lead District
Manager (LDM) is designated as the Convenor of the SSC which, in addition to the
District Co-ordinators of banks functioning in the area, should comprise of the LDO
of RBI, the DDM of NABARD, the District Planning Officer or a representative of the
Collector duly empowered to take decisions on behalf of the district administration.
The functions of the Special Sub-Committee are as under:
• The SSCs should draw up Monitorable Action Plans (MAPs) for improving the
CD Ratio in their districts on a self-set graduated basis.
• For this purpose, the SSC should hold a special meeting immediately after its
constitution and on the basis of the various ground level parameters, set for
itself, a target for increasing the CD Ratio initially for the current year. It will
also, at the same meeting, set a definite time frame to achieve a CD Ratio
more than 60 percent in annual increments.
• Consequent to the completion of this process, the target and time frame self
set by the SSC should be placed before the DCC for approval.
• The plans for implementation must then be taken up by the SSC and
monitored assiduously once in two months.
• The SSC should report the progress on the implementation of the plan to the
DCC on a quarterly basis and through them to the Convenor of the SLBC.
• On the basis of the feedback received from the DCC regarding the progress in
the implementation of the Monitorable Action Plans (MAPs), a consolidated
report should be prepared by the SSC and tabled at all SLBC meetings for
discussion / information.

iii) As regards the districts with a CD Ratio less than 20, 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.
 26

iv) While the framework for implementation for raising the CD Ratio in these districts
will be the same as in the case of districts with CD Ratio below 40 percent (i.e.
setting up of SSC etc.), the focus of attention and the level of efforts should be of a
much higher scale.
For this,
• All such districts should first be placed in a special category.
• Thereafter, the responsibility for increasing their CD Ratio should be taken by
banks and State Governments and the districts should be "adopted" by the
District Administration and the Lead Bank jointly.
• While banks would be responsible for credit disbursement, the State
Government would be required to give an upfront commitment regarding its
responsibilities for creation of identified rural infrastructure together with
support in creating an enabling environment for banks to lend and to recover
their dues.
• Progress in the special category districts should be monitored at the district
level and reported to the corporate offices of the concerned banks.
• The Chairmen/ Managing Directors of banks should give special attention to
the CD Ratio in such districts.

7. Direct Benefit Transfer

Direct Benefit Transfer (DBT) was rolled out by the Government of India in selected
districts in January 2013. It was expanded to other districts subsequently. SLBC
Convenor Banks were advised to co-ordinate with the Government authorities to
implement DBT. Banks were advised to include the status of the roll-out of DBT as a
regular agenda item for discussion in SLBC meetings as part of Financial
Inclusion/Direct Benefit Transfer (DBT) implementation. As a prerequisite to the
implementation of the DBT, every eligible individual should have a bank account.
Further, to make disbursements at the doorstep through the ICT-based BC model,
banking outlets either through brick & mortar branches or the branchless mode is
needed in all villages across the country. Hence, banks have been advised to:

• take steps to complete the opening of bank accounts and seeding of Aadhaar
numbers in all bank accounts.
 27

• closely monitor the progress in seeding of Aadhaar number with the bank
accounts of beneficiaries.
• put in place a system to provide the beneficiary of the seeding request an
acknowledgement and also send a confirmation of the seeding of Aadhaar
number.
• form a DBT Implementation Co-ordination Committee, along with the State
Government department concerned, at district level and review the seeding of
Aadhaar numbers in bank accounts.
• ensure that district and village wise names and other details of business
correspondents (BCs) engaged/other arrangements made by the bank are
displayed on the SLBC website.
• 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'.

8. Service Area Approach (SAA)

i) The Service Area Approach (SAA), introduced in April 1989 for planned and
orderly development of rural and semi-urban areas was applicable to all scheduled
commercial banks including Regional Rural Banks. Under SAA, each bank branch
in a rural or semi-urban area was designated to serve an area of 15 to 25 villages
and the branch was responsible for meeting the needs of bank credit of its service
area. The primary objective of SAA was to increase productive lending and forge
effective linkages between bank credit, production, productivity and increase in
income levels. The SAA scheme was reviewed from time to time and appropriate
changes were made in the scheme to make it more effective.

ii) The Service Area Approach scheme was reviewed in December 2004 and it was
decided to dispense with the restrictive provisions of the scheme while retaining the
positive features of the SAA such as credit planning and monitoring of the credit
purveyance. Accordingly, under SAA, the allocation of villages among the rural and
semi-urban branches of banks were made not applicable for lending except under
Government Sponsored Schemes. Thus, while the commercial banks and RRBs are
free to lend in any rural and semi-urban area, the borrowers have the choice of
approaching any branch for their credit requirements.
 28

8.1 Dispensing with ‘No Due Certificate’

In order to ensure hassle free credit to all borrowers, especially in rural and semi-
urban areas and keeping in view the technological developments and the different
ways available with banks to avoid multiple financing, banks have been advised to
dispense with obtaining a ‘No Due Certificate’ from the individual borrowers
(including SHGs & JLGs) in rural and semi-urban areas for all types of loans
including loans 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 is clarified that the policy of dispensing with a ‘No Due
Certificate’ for lending by banks is also applicable to urban areas including
metropolitan cities.

ii) Banks are encouraged to use an alternative framework of due diligence as part
of the credit appraisal exercise other than the ‘No Due Certificate’ which could,
among others, consist of one or more of the following:
• Credit history check through Credit Information Companies (CICs)
• Self-declaration or an affidavit from the borrower
• CERSAI registration
• Peer monitoring
• Information sharing among lenders
• Information search (writing to other lenders with an auto deadline)

iii) Banks are also advised to submit information/data to all Credit Information
Companies (CICs), as required in terms of extant instructions issued by RBI.

9. Doubling of Farmers’ Income by 2022

i) The Government of India, in the Union Budget 2016-17, had announced its
resolve to double the income of farmers by 2022. Several steps have been taken
towards attaining this objective including setting up of an inter-ministerial committee
for preparation of a blue print for the same. This agenda has also been reiterated by
the government in several fora and has acquired primacy from the point of view of
rural and agricultural development.
 29

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
• Strengthening of the crop insurance scheme to mitigate risks at affordable
cost
• Promotion of ancillary activities like poultry, bee-keeping and fisheries

iii. Needless to emphasize that acceleration in income generation is significantly

dependent on better capital formation in agriculture. Towards this, banks should
revisit their documentation for crop loans, simplify them where required and ensure
speedy sanctioning and disbursal of loans within specified time limits.

iv. The Lead Bank Scheme, which ensures inter-departmental/governmental

coordination in the financial sector, should, therefore, be leveraged to further the
objective of doubling farmer’s income by 2022. Lead Banks are accordingly advised
to ensure the following:

a. Work closely with NABARD in the preparation of Potential Linked Credit Plans
(PLPs) & Annual Credit Plans (ACPs) keeping the above strategy in
consideration
b. Include ‘Doubling of Farmer’s Income by 2022’ as a regular agenda under the
Lead Bank Scheme in various fora such as SLBC, DCC, DLRC and BLBC
c. For the purpose of monitoring and reviewing the progress, Lead Banks may
use the benchmarks as may be provided by NABARD
d. Map the overall strategy as given in para 9 (ii) above to the agriculture/agro-
ancillary lending plan of the bank.
 30

10. References of Directions / Circulars Relevant to Lead Bank Scheme

Sr.
Reference No Date Subject
No.
1 FIDD.CO.Plan.1/04.09.01/2016-17 July 7, 2016 Master Direction - Priority
(updated as on Sector Lending – Targets
December 04, and Classification [All
2018) SCBs (excluding RRBs
and SFBs)]
2 FIDD.CO.Plan.2/04.09.01/2016-17 July 7, 2016 Master Direction – RRBs
(updated as on – Priority Sector Lending
June 18, 2019) – Targets and
Classification
3 FIDD.CO.FSD.BC No.9/05.10.001/2018-19 October 17, Master Direction –
2018 Reserve Bank of India
(Relief Measures by
Banks in Areas affected
by Natural Calamities)
Directions 2018 – SCBs
(including SFBs and
excluding RRBs)
4 FIDD.CO.FSD.BC.No.10/05.10.001/2018-19 October 17, Master Direction –
2018 Reserve Bank of India
(Relief Measures by
Banks in Areas affected
by Natural Calamities)
Directions 2018 – RRBs
5 FIDD.MSME & NFS.12/06.02.31/2017-18 July 24, 2017 Master Direction -
(updated as on Lending to Micro, Small
April 25, 2018) & Medium Enterprises
(MSME) Sector [SCBs
(excluding RRBs)]
6 FIDD.GSSD.BC.No.04/09.10.01/2019-20 July 01, 2019 Master Circular - Credit
Facilities to Minority
Communities [All SCBs &
SFBs (excluding RRBs
and Foreign banks with
less than 20 branches)]
7 FIDD.CO.GSSD.BC.No.03/09.09.001/2019-20 July 1, 2019 Master Circular - Credit
Facilities to Scheduled
Castes (SCs) &
Scheduled Tribes (STs)
[All SCBs & SFBs]
8 FIDD.GSSD.CO.BC.No.01/09.16.03/2019-20 July 1, 2019 Master Circular –
Deendayal Antyodaya
 31

Yojana - National Urban

Livelihoods Mission
(DAY-NULM) [All SCBs
& SFBs]
9 FIDD.GSSD.CO.BC.No.02/09.01.01/2019-20 July 01, 2019 Master Circular –
Deendayal Antyodaya
Yojana - National Rural
Livelihoods Mission
(DAY-NRLM) [All SCBs
& SFBs]
10 FIDD. FLC.BC.No.22/12.01.018/2016-17 March 02, 2017 Financial Literacy by
FLCs (Financial Literacy
Centres) and rural
branches - Policy
Review [SCBs including
RRBs]
11 FIDD.FLC.BC.No.12/12.01.018/2016-17 August 25, 2016 Financial Literacy
Centres - Revised
reporting formats [SCBs
including RRBs]
12 FIDD.CO.SFB.No.9/04.09.001/2017-18 July 6, 2017 Small Finance Banks –
Compendium of
Guidelines on Financial
Inclusion and
Development
13 DBR.No.BAPD.BC.69/22.01.001/2016-17 May 18, 2017 Rationalisation of Branch
Authorisation Policy-
Revision of Guidelines
[All Domestic SCBs
(excluding RRBs), SFBs
Payments Banks and
LABs]

14 DBR.RRB.BL.BC.No.40/31.01.002/2018-19 May 31, 2019 Rationalisation of Branch

Authorisation Policy –
Revision of Guidelines
(RRBs)
 32

Annex I

List of State/UT-wise SLBC/UTLBC Convenor Banks and district-wise Lead Banks

State / Union SLBC convener

SR District District lead bank
Territory bank
1 Andhra Andhra Bank 1. Anantapur Syndicate Bank
Pradesh 2. Chittoor Indian Bank
3. East Godavari Andhra Bank
4. Guntur Andhra Bank
5. Kadapa Syndicate Bank
6. Krishna Indian Bank
7. Kurnool Syndicate Bank
8. Nellore Syndicate Bank
9. Prakasam Syndicate Bank
10.Srikakulam Andhra Bank
11.Visakhapatnam State Bank of India
12.Vizianagaram State Bank of India
13.West Godavari Andhra Bank
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. Kra Daadi State Bank of India
7. Kurung Kumey State Bank of India
8. Lohit State Bank of India
9. Longding State Bank of India
10. Lower Dibang Valley State Bank of India
11. Lower Subansiri State Bank of India
12. Namsai State Bank of India
13. Papum Pare State Bank of India
14. Siang State Bank of India
15. Tawang State Bank of India
16. Tirap State Bank of India
17.Upper Siang State Bank of India
18.Upper Subansiri State Bank of India
19.West Kameng State Bank of India
20. West Siang State Bank of India
3 Assam State Bank of India 1. Baksa State Bank of India
2. Barpeta UCO Bank
3. Biswanath United Bank of India
4. Bongaigaon State Bank of India
5. Cachar United Bank of India
6. Charaideo United Bank of India
7. Chirang State Bank of India
8. Darrang UCO Bank
9. Dhemaji United Bank of India
 33

10. Dhubri UCO Bank

11. Dibrugarh United Bank of India
12.Goalpara UCO Bank
13.Golaghat United Bank of India
14.Hailakandi United Bank of India
15. Hojai United Bank of India
16.Jorhat United Bank of India
17.Kamrup UCO Bank
18.Kamrup Metro UCO Bank
19.Karbi Anglong State Bank of India
20.Karimganj United Bank of India
21.Kokrajhar UCO Bank
22.Lakhimpur United Bank of India
23. Majuli United Bank of India
24.Morigaon United Bank of India
25.Nagaon United Bank of India
26.Nalbari UCO Bank
27.North Cachar Hills State Bank of India
28.Sivasagar United Bank of India
29.Sonitpur UCO Bank
30. South Salmara- UCO Bank
Mankachar
31.Tinsukia United Bank of India
32.Udalguri State Bank of India
33. West Karbi Anglong State Bank of India
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
22.Monghyr UCO Bank
23.Muzaffarpur Central Bank of India
 34

24.Nalanda Punjab National Bank

25.Nawada Punjab National Bank
26.Patna Punjab National Bank
27.Purnea State Bank of India
28.Rohtas (Sasaram) Punjab National Bank
29.Saharsa State Bank of India
30.Samastipur Union Bank of India
31.Saran Central Bank of India
32.Sheikhpura Canara Bank
33.Sheohar Bank of Baroda
34.Sitamarhi Bank of Baroda
35.Siwan Central Bank of India
36.Supaul State Bank of India
37.Vaishali Central Bank of India
38.West Champaran Central Bank of India
5 Chhattisgarh State Bank of 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.Janjgir Champa State Bank of India
13.Jashpur State Bank of India
14.Kabirdham State Bank of India
15.Kanker State Bank of India
16.Kondagaon State Bank of India
17.Korba State Bank of India
18.Korea Central Bank of India
19.Mahasamund Bank of Baroda
20.Mungeli State Bank of India
21.Narayanpur State Bank of India
22.Raigarh State Bank of India
23.Raipur Bank of Baroda
24.Rajnandgaon Bank of Baroda
25.Sukma State Bank of India
26.Surajpur Central Bank of India
27.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 Gujarat Bank of Baroda 1. Ahmedabad State Bank of India
2. Amreli State Bank of India
3. Anand Bank of Baroda
 35

4. Aravalli Bank of Baroda

5. Banaskantha Bank of Baroda
6. Bharuch Bank of Baroda
7. Bhavnagar State Bank of India
8. Botad Bank of Baroda
9. Chhota Udaipur Bank of Baroda
10.Dohad Bank of Baroda
11.Dangs Bank of Baroda
12.Devbhumi Dwarka Bank of Baroda
13.Gandhinagar State Bank of India
14.Gir Somnath State Bank of India
15.Godhra (PanchMahal) Bank of Baroda
16.Jamnagar State Bank of India
17.Junagadh State Bank of India
18.Kheda Bank of Baroda
19.Kutch (Bhuj) Bank of Baroda
20.Mahisagar Bank of Baroda
21.Mehsana Bank of Baroda
22.Morbi State Bank of India
23.Narmada Bank of Baroda
24.Navsari Bank of Baroda
25.Patan Bank of Baroda
26.Porbandar State Bank of India
27.Rajkot State Bank of India
28.Sabarkantha Bank of Baroda
29.Surat Bank of Baroda
30.Surendranagar State Bank of India
31.Tapi Bank of Baroda
32.Vadodara Bank of Baroda
33.Valsad Bank of Baroda
8 Haryana Punjab National 1. Ambala Punjab National Bank
Bank 2. Bhiwani Punjab National Bank
3. Charki Dadri Punjab National Bank
4. Faridabad Syndicate Bank
5. Fatehabad Punjab National Bank
6. Gurgaon Syndicate 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.Mewat Syndicate Bank
15.Palwal Oriental Bank of
Commerce
16.Panchkula Punjab National Bank
 36

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 (Dharamshala) Punjab National Bank
5. Kinnaur (Peo) Punjab National Bank
6. Kullu Punjab National Bank
7. Lahaul & Spiti (Kelyong) State Bank of India
8. Mandi Punjab National Bank
9. Shimla UCO Bank
10.Sirmaur UCO Bank
11.Solan UCO Bank
12.Una Punjab National Bank
10 Jammu & 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. Kargil State Bank of India
9. Kathua State Bank of India
10.Kishtwar State Bank of India
11.Kulgam J & K Bank Ltd.
12.Kupwara J & K Bank Ltd.
13.Ladakh (Leh) State Bank of India
14.Poonch J & K Bank Ltd.
15.Pulwama J & K Bank Ltd.
16.Rajouri J & K Bank Ltd.
17.Ramban State Bank of India
18.Reasi State Bank of India
19.Samba State Bank of India
20.Shopian J & K Bank Ltd.
21.Srinagar J & K Bank Ltd.
22.Udhampur State Bank of India
11 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 Allahabad Bank
6. East Singhbhum Bank of India
7. Garhwa State Bank of India
 37

8. Giridih Bank of India

9. Godda Allahabad Bank
10.Gumla Bank of India
11.Hazaribag Bank of India
12.Jamtara State Bank of India
13.Khunti Bank of India
14.Koderma Bank of India
15.Letehar State Bank of India
16.Lohardaga Bank of India
17.Pakur State Bank of India
18.Palamu State Bank of India
19.Ramgarh Bank of India
20.Ranchi Bank of India
21.Sahibganj State Bank of India
22.Seraikela-Kharsawan Bank of India
23.Simdega Bank of India
24.West Singhbhum Bank of India
12 Karnataka Syndicate Bank 1. Bagalkot Syndicate Bank
2. Bangalore (Rural) Canara Bank
3. Bangalore (Urban) Canara Bank
4. Belgaum Syndicate Bank
5. Bellary Syndicate Bank
6. Bidar State Bank of India
7. Bijapur Syndicate Bank
8. Chamrajanagar State Bank of India
9. Chikballapur Canara Bank
10.Chickmagalur Corporation Bank
11.Chitradurga Canara Bank
12.Dakshin Canara Syndicate Bank
13.Davangere Canara Bank
14.Dharwad Bank of Baroda
15.Gadag State Bank of India
16.Gulbarga State Bank of India
17.Hassan Canara Bank
18.Haveri Bank of Baroda
19.Kodagu Corporation Bank
20.Kolar Canara Bank
21.Koppal State Bank of India
22.Mandya Bank of Baroda
23.Mysore State Bank of India
24.Raichur State Bank of India
25.Ramanagara Corporation Bank
26.Shimoga Canara Bank
27.Tumkur State Bank of India
28.Udupi Syndicate Bank
29.Uttar Canara Syndicate Bank
30.Yadgir State Bank of India
 38

13 Kerala Canara Bank 1. Alappuzha State Bank of India

2. Ernakulam Union Bank of India
3. Idukki Union Bank of India
4. Kannur Syndicate Bank
5. Kasaragod Syndicate Bank
6. Kollam Indian Bank
7. Kottayam State Bank of India
8. Kozhikode Canara Bank
9. Malappuram Canara Bank
10.Palakkad Canara Bank
11.Pathanamthitta State Bank of India
12.Thiruvananthapuram Indian Overseas Bank
13.Thrissur Canara Bank
14.Wayanad (Kalepetta) Canara Bank
14 Madhya Central Bank of 1. Agar-Malwa Bank of India
Pradesh India 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
13.Damoh State Bank of India
14.Datia Punjab National Bank
15.Dewas Bank of India
16.Dhar Bank of India
17.Dindori Central Bank of India
18.East Nimar (Khandwa) Bank of India
19.Guna State Bank of India
20.Gwalior Central Bank of India
21.Harda State Bank of India
22.Hoshangabad Central Bank of India
23.Indore Bank of India
24.Jabalpur Central Bank of India
25.Jhabua Bank of Baroda
26.Katni State Bank of India
27.Mandla Central Bank of India
28.Mandsaur Central Bank of India
29.Morena Central Bank of India
30.Narsinghpur Central Bank of India
31.Neemuch State Bank of India
32.Niwari State Bank of India
33.Panna State Bank of India
 39

34.Raisen Central Bank of India

35.Rajgarh Bank of India
36.Ratlam Central Bank of India
37.Rewa Union Bank of India
38.Sagar Central Bank of India
39.Satna Allahabad Bank
40.Seoni Central Bank of India
41.Shahdol Central Bank of India
42.Shajapur Bank of India
43.Sheopur Kala State Bank of India
44.Shivpuri State Bank of India
45.Sidhi Union Bank of India
46.Sihore Bank of India
47.Singrauli Union Bank of India
48.Tikamgarh State Bank of India
49.Ujjain Bank of India
50.Umaria State Bank of India
51.Vidisha State Bank of India
52.West Nimar (Khargone) Bank of India
15 Maharashtra Bank of 1. Ahmednagar Central Bank of India
Maharashtra 2. Akola Central Bank of India
3. Amravati Central Bank of India
4. Aurangabad Bank of Maharashtra
5. Beed State Bank of India
6. Bhandara Bank of India
7. Buldhana Central Bank of India
8. Chandrapur Bank of India
9. Dhule Central Bank of India
10.Gadchiroli Bank of India
11.Gondia Bank of India
12.Hingoli State Bank of India
13.Jalgaon Central Bank of India
14.Jalna Bank of Maharashtra
15.Kolhapur Bank of India
16.Latur State Bank of India
17.Mumbai Bank of India
18.Mumbai Suburban Bank of India
19.Nagpur Bank of India
20.Nanded State Bank of India
21.Nandurbar State Bank of India
22.Nashik Bank of Maharashtra
23.Osmanabad State Bank of India
24.Palghar Bank of Maharashtra
25. Parbhani State Bank of India
26. Pune Bank of Maharashtra
27.Raigad Bank of India
28. Ratnagiri Bank of India
 40

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
16 Manipur State Bank of India 1. Bishnupur United Bank of India
2. Chandel State Bank of India
3. Churachandpur State Bank of India
4. Imphal East United Bank of India
5. Imphal West State Bank of India
6. Jiribam United Bank of India
7. Kakching State Bank of India
8. Kamjong United Bank of India
9. Kangpokpi State Bank of India
10. Noney United Bank of India
11. Pherzawal State Bank of India
12. Senapati State Bank of India
13. Temenglong United Bank of India
14. Tengnoupal United Bank of India
15. Thoubal State Bank of India
16. Ukhrul United Bank of India
17 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. Jaintia Hills State Bank of India
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 Hills State Bank of India
9. South West Khasi Hills State Bank of India
10.West Garo hills State Bank of India
11.West Khasi Hills State Bank of India
18 Mizoram State Bank of India 1. Aizawal State Bank of India
2. Champhai State Bank of India
3. Chhimtuipui Saiha State Bank of India
4. Kolasib State Bank of India
5. Lawngtlai State Bank of India
6. Lunglei State Bank of India
7. Mamit State Bank of India
8. Serchhip State Bank of India
19 Nagaland State Bank of India 1. Dimapur State Bank of India
2. Kiphire State Bank of India
3. Kohima State Bank of India
4. Longleng State Bank of India
 41

5. Mokokchung State Bank of India

6. Mon State Bank of India
7. Peren State Bank of India
8. Phek State Bank of India
9. Tuensang State Bank of India
10.Wokha State Bank of India
11.Zunheboto State Bank of India
20 Odisha UCO Bank 1. Angul UCO Bank
2. Balasore UCO Bank
3. Bargah State Bank of India
4. Bhadrak UCO Bank
5. Bolangir (Balangir) State Bank of India
6. Boudh State Bank of India
7. Cuttack UCO Bank
8. Deogarh State Bank of India
9. Dhenkanal UCO Bank
10.Gajapati Andhra Bank
11.Ganjam Andhra Bank
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.Khorda 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
21 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 Oriental Bank of
Commerce
8. Gurdaspur Punjab National Bank
9. Hoshiarpur Punjab National Bank
10.Jalandhar UCO Bank
 42

11.Kapurthala Punjab National Bank

12.Ludhiana Punjab & Sind Bank
13.Mansa State Bank of India
14.Moga Punjab & Sind Bank
15.Muktsar State Bank of India
16.Nawanshahr Punjab National Bank
17.Pathankot Punjab National Bank
18.Patiala State Bank of India
19.Ropar UCO Bank
20.Sahibzada Ajit Singh Punjab National Bank
Nagar (Mohali)
21.Sangrur State Bank of India
22.Tarn Taran Punjab National Bank
22 Rajasthan Bank of Baroda 1. Ajmer Bank of Baroda
2. Alwar Punjab National Bank
3. Banswara Bank of Baroda
4. Baran Central Bank of India
5. Barmer State Bank of India
6. Bharatpur Punjab National Bank
7. Bhilwara Bank of Baroda
8. Bikaner State Bank of India
9. Bundi Bank of Baroda
10.Chittorgarh Bank of Baroda
11.Churu Bank of Baroda
12.Dausa UCO Bank
13.Dholpur Punjab National Bank
14.Dungarpur Bank of Baroda
15.Hanumangarh State Bank of India
16.Jaipur UCO Bank
17.Jaisalmer State Bank of India
18.Jalore State Bank of India
19.Jhalawar Central Bank of India
20.Jhunjhunu Bank of Baroda
21.Jodhpur UCO Bank
22.Kirauli Bank of Baroda
23.Kota Central Bank of India
24.Nagaur UCO Bank
25.Pali State Bank of India
26.Pratapgarh Bank of Baroda
27.Rajsamand State Bank of India
28.Sawai Madhopur Bank of Baroda
29.Sikar Punjab National Bank
30.Sirohi State Bank of India
31.Sri Ganganagar Oriental Bank of
Commerce
32.Tonk Bank of Baroda
33.Udaipur State Bank of India
 43

23 Sikkim State Bank of India 1. East Sikkim State Bank of India

2. North Sikkim State Bank of India
3. South Sikkim State Bank of India
4. West Sikkim State Bank of India
24 Tamil Nadu Indian Overseas 1. Ariyalur State Bank of India
Bank 2. Chennai Indian Overseas Bank
3. Coimbatore Canara Bank
4. Cuddalore Indian Bank
5. Dharmapuri Indian Bank
6. Dindigul Canara Bank
7. Erode Canara Bank
8. Kanchipuram Indian Bank
9. Kanyakumari Indian Overseas Bank
10.Karur Indian Overseas Bank
11.Krishnagiri Indian Bank
12.Madurai Canara Bank
13.Nagapattinam Indian Overseas Bank
14.Namakkal Indian Bank
15.Nilgiris Canara Bank
16.Perambalur Indian Overseas Bank
17.Puddukottai Indian Overseas Bank
18.Ramanathapuram Indian Overseas Bank
19.Salem Indian Bank
20.Sivaganga Indian Overseas Bank
21.Thanjavur Indian Overseas Bank
22.Theni Canara Bank
23.Tiruchirapalli Indian Overseas Bank
24.Tirunelveli Indian Overseas Bank
25.Tiruppur Canara Bank
26.Tiruvallur Indian Bank
27.Tiruvannamalai Indian Bank
28.Tiruvarur Indian Overseas Bank
29.Tuticorin State Bank of India
30.Vellore Indian Bank
31.Viluppuram Indian Bank
32.Virudhunagar Indian Overseas Bank
25 Telangana State Bank of India 1. Adilabad State Bank of India
2. Bhadradri State Bank of India
3. Hyderabad State Bank of India
4. Jagitial Andhra Bank
5. Jangaon (New) State Bank of India
6. Jayashankar State Bank of India
7. Jogulamba Andhra Bank
8. Kamaraeddy Syndicate Bank
9. Karimnagar State Bank of India
10. Khammam State Bank of India
11. Komram Bheem State Bank of India
 44

12. Mahabubabad State Bank of India

13. Mahabubnagar State Bank of India
14. Mancherial Andhra Bank
15. Medak State Bank of India
16. Medchal- Malkajgiri Canara Bank
17. Mulugu State Bank of India
18. Nagarkurnool Andhra Bank
19. Nalgonda State Bank of India
20. Narayanpet State Bank of India
21. Nirmal State Bank of India
22. Nizamabad State Bank of India
23. Peddapalli Andhra Bank
24. Rajanna Andhra Bank
25. Ranga Reddy State Bank of India
26. Sangareddy Syndicate Bank
27. Siddipet Andhra Bank
28. Suryapet State Bank of India
29. Vikarabad State Bank of India
30. Wanaparthy Andhra Bank
31. Warangal (Rural) Andhra Bank
32. Warangal (Urban) State Bank of India
33. Yadadri Canara Bank
26 Tripura United Bank of 1. Dhalai United Bank of India
India 2. Gomati United Bank of India
3. Khowai United Bank of India
4. North Tripura United Bank of India
5. Sepahijala United Bank of India
6. South Tripura United Bank of India
7. Unakoti United Bank of India
8. West Tripura United Bank of India
27 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 (New State Bank of India
Tehri)
12.Udham Singh Nagar Bank of Baroda
13.Uttar Kashi State Bank of India
28 Uttar Pradesh Bank of Baroda 1. Agra Canara Bank
2. Aligarh Canara Bank
3. Allahabad Bank of Baroda
45

4. Ambedkar Nagar Bank of Baroda

5. Auraiya Central Bank of India
6. Azamgarh Union Bank of India
7. Baghpat Syndicate Bank
8. Bahraich Allahabad Bank
9. Ballia Central Bank of India
10.Balrampur Allahabad Bank
11.Banda Allahabad Bank
12.Barabanki Bank of India
13.Bareilly Bank of Baroda
14.Basti State Bank of India
15.Bhim Nagar Syndicate Bank
16.Bijnor Punjab National Bank
17.Budaun Punjab National Bank
18.Bulandshahr Punjab National Bank
19.Chandauli Union Bank of India
20.Chhtrapati Sahuji Bank of Baroda
Maharaj Nagar
21.Chitrakoot Allahabad Bank
22.Deoria Central Bank of India
23.Etah Canara Bank
24.Etawah Central Bank of India
25.Faizabad Bank of Baroda
26.Farukhabad Bank of India
27.Fatehpur Bank of Baroda
28.Firozabad State Bank of India
29.Gautam Buddha Nagar Syndicate Bank
30.Ghaziabad Syndicate Bank
31.Ghazipur Union Bank of India
32.Gonda Allahabad Bank
33.Gorakhpur State Bank of India
34.Hamirpur Allahabad Bank
35.Hardoi Bank of India
36.Jalaun Allahabad Bank
37.Jaunpur Union Bank of India
38.Jhansi Punjab National Bank
39.Jyotiba Phule Nagar Syndicate Bank
(Amroha)
40.Kannauj Bank of India
41.Kanpur Dehat-Rural Bank of Baroda
42.Kanpur Nagar-Urban Bank of Baroda
43.Kansi Ram Nagar Canara Bank
(Kasganj)
44.Kaushambi Bank of Baroda
45.Kushi Nagar (Padrauna) Central Bank of India

46.Lakhimpur-Kheri Allahabad Bank

 46

47.Lalitpur Punjab National Bank

48.Lucknow Bank of India
49.Mahamaya Nagar Canara Bank
(Hathras)
50.Maharajganj State Bank of India
51.Mahoba Allahabad Bank
52.Mainpuri Bank of India
53.Mathura Syndicate Bank
54.Mau (Mau Nath Union Bank of India
Bahnjan)
55.Meerut Syndicate Bank
56.Mirzapur Allahabad Bank
57.Moradabad Syndicate Bank
58.Muzaffarnagar Punjab National Bank
59.Panchsheel Nagar Syndicate Bank
60.Pilibhit Bank of Baroda
61.Prabudh Nagar (Shamli) Punjab National 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 Nagar State Bank of India
67.Sant Ravidas Nagar Union Bank of India
(Bhadohi)
68.Shahjahanpur Bank of Baroda
69.Shravasti Allahabad Bank
70.Siddharth nagar State Bank of India
71.Sitapur Allahabad Bank
72.Sonbhadra Allahabad Bank
73.Sultanpur Bank of Baroda
74.Unnao Bank of India
75.Varanasi Union Bank of India
29 West Bengal United Bank of 1. Alipurduar Central Bank of India
India 2. Bankura United Bank of India
3. Birbhum UCO Bank
4. Cooch Behar Central Bank of India
5. Dakshin Dinajpur United Bank of India
6. Darjeeling Central Bank of India
7. Hooghly UCO Bank
8. Howrah UCO Bank
9. Jalpaiguri Central Bank of India
10. Jhargram United Bank of India
11. Kalimpong State Bank of India
12. Kolkata State Bank of India
13. Malda United Bank of India
14. Murshidabad United Bank of India
15. Nadia United Bank of India
16. North 24 Parganas Allahabad Bank
 47

17. Pashchim Medinapur United Bank of India

18. Paschim Bardhaman State Bank of India
19. Purba Bardhaman UCO Bank
20. Purba Medinapur United Bank of India
21. Purulia United Bank of India
22. South 24 Parganas United Bank of India
23. Uttar Dinajpur United Bank of India
30 Andaman & State Bank of India 1. Nicobar Islands State Bank of India
Nicobar Islands 2. North & Middle State Bank of India
Andaman
3. South Andaman State Bank of India
31 Chandigarh Punjab National 1. Chandigarh (Rural) Punjab National Bank
Bank
32 Dadra & Nagar Bank of Baroda 1. Dadra & Nagar Haveli Bank of Baroda
Haveli
33 Daman & Diu Bank of Baroda 1. Daman State Bank of India
2. Diu State Bank of India
34 Delhi Oriental Bank of 1. Central Delhi Canara Bank
Commerce 2. East Delhi Punjab National Bank
3. New Delhi Canara Bank
4. North Delhi Oriental Bank of
Commerce
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
35 Lakshadweep Syndicate Bank 1. Lakshadweep Syndicate Bank
36 Puducherry Indian Bank 1. Puducherry Indian Bank
 48

Annex II

SLBC/UTLBC Website- Indicative List of contents

Menu item Sub Menu Contents Annex
SLBC as a coordinating forum for the development of
About us Background
the state and its functioning - Brief write up
SLBC-Members SLBC members with their names and contact details II-1
Each district may be linked to the respective district
State Profile Geographical Map website of GOI at NIC portal so as to get district
details on clicking the respective district name
Infrastructure Power, Transport, Roads & Rail etc
Acreage under cultivation, Cropping pattern,
Irrigation facilities, Farm mechanisation, allied
Agriculture
activities, Dairy, Fisheries, Plantation, Horticulture
etc,
Industrialisation, Status of MSME, Sickness of
Industries
MSME, Reasons, Rehabilitation
Position of banked villages as compared to total
Banking II-2
villages in each of the districts
SLBC Schedule of SLBC meetings for the current calendar
Calendar of meetings II-3
meetings year
Details of SLBC meetings held with agenda and
SLBC-Meetings held II-4
minutes
Lead Bank Lead Banks-District Details of Lead banks with names of LDM and their
II-5
Scheme wise contact details
ACP-Targets Annual Credit Plan - Targets for the year II-6
ACP-Achievements Annual Credit Plan - Sector wise achievement II-7
CD Ratio Position of district wise CD ratio II-8
Brief description of each Central Government
Govt Central Government
sponsored programme. The Central Government
Sponsored Sponsored
sponsored scheme is to be linked to RBI/GoI
Programmes programmes
guidelines
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-BCs-
District wise particulars of BC outlets II-11
details
Particulars of
District wise banking services provided through Other
Banking Services II-12
Modes
through Other Modes
Financial Bank wise position of savings and credit linked
SHG bank linkage II-13
Inclusion number of SHGs
FLCs Database on FLCs II-14
RSETIs District wise position of RSETIs II-15
Submission Submission of data by Lead Banks and controlling
Web based interface
of data office of banks to SLBC
Link to RBI, NABARD, respective State Government,
Links to related
Links IBA, Banking Ombudsman, Banks and other related
website
websites
 49

Annex II-1

SLBC-List of Members
Updated as on -----
SR Name Designation Organisation Contact Details Remarks
Tel email Address
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
 50

Annex II-2

Banking services-Villages covered

Quarter ended -----
SR District District Total no. of Villages No. of villages which Remarks
Name Code(BSR) are having banking
outlets(BR/BC/Other)
1 >2000 <2000 >5000 >2000 <2000 >5000
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
TOTAL
 51

Annex II-3

SLBC -Calendar of meetings for the calendar year --------

SR Year Quarter Scheduled Date of Remarks

meeting
1 dd.mm.yyyy
2
3
4
 52

Annex II-4

SLBC - Details of meetings held

SR SLBC Date of Attended by Minutes Scheduled Remarks

meeting meeting- (Name & Designation) of the date of
no.* Agenda meeting meeting as
linked per calendar
RBI Convenor GOI State minutes
Bank Govt
1 dd.mm.yyyy minutes dd.mm.yyyy
2
3
4
5
6
7
8
9
10
11

* SLBC meetings held after April 2010

 53

Annex II-5

Details of Lead Banks

Quarter ended -----
SR District District Name of Name Designation Contact Details Remarks
Name code Lead of LDM
(BSR) 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
 54

Annex II-6

Annual Credit Plan-Targets for the year --------

District Name (Amt ` in thousand)

SR Bank Agricul MS Expo Educ Hous Soci Renewa Othe Priority- Non- Total
Name ture ME rt ation ing al ble rs Subtotal Priorit
Credi Infra Energy y
t struc
ture
1
2
3
4
5
6
Comme
rcial
Banks-
Sub
Total
1
2
3
RRBs-
Sub
Total
1
2
3
4
5
Cooper
ative
banks-
Sub
Total
Small
Finance
Banks
All
banks-
Total
 55

Annex II-7

Annual Credit Plan - Achievement

Quarter ended ----- (Amt ` in thousand)

S Bank Name Agricul MS Expo Educa Hous Soci Rene Oth Prior Non- Total
ture ME rt tion ing al wable ers ity- Prior
R Credi Infra Energ Subt ity -
t struc y otal
ture
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
Small
Finance
Banks
All banks-
Total
 56

Annex II-8

Credit Deposit Ratio

Quarter ended ------- (Amt ` in thousands)
SR District Name District code Deposit Credit CD Ratio Remarks

1
2
3
4
5
6
7
8
9
10
11
12
13
14
 57

Annex II-9

Banking Network-Summary
Quarter ended -----

SR Bank Name Mode of Banking Services Remarks

1 Branch BC Other Modes Total
2
3
4
5
6
Commercial Banks-
Sub Total
1
2
3
RRBs-Sub Total
1
2
3
4
5
Cooperative Banks-
Sub Total
1
2
3
Small Finance
Banks – Sub Total
1
2
3
Payments Banks
All banks-Total
 58

Annex II-10

Particulars of Banking outlets- Branches

Quarter ended -----
SR District District Block Locality/ Population Bank Branch Date of Contact Add Re
Name Code(B Village classification Name Name opening Details res ma
SR) (M/U/SU/R) s rk
s
dd.mm.
1 yyyy
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
 59

Annex II-11

Particulars of Banking outlets- BCs

Quarter ended -----

SR District Block Locality/Village Population Bank Base Date of Name Tel Remarks
Name classification Name Branch opening of of BC no.
(M/U/SU/R) Name BC outlet of
BC
1 dd.mm.yyyy
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
 60

Annex II-12

Particulars of Banking Services provided through Other Modes

Quarter ended -----

SR District Block Locality/ Population Bank Specify Date of Name Tel no. Remarks
Name Village classification Name Type of opening of of
(M/U/SU/R) mode Contact Contact
(Rural Official Official
ATM/
Mobile
van/
Other
1 dd.mm.yyyy
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
 61

Annex II-13

SHG bank linkage programme

Quarter ended ----- (No. in actuals, Amt ` in thousand)

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
3
Small Finance Banks - Sub Total
All banks-Total
 62

Annex II-14

Database on FLCs

Whether
Premises
Location Run by
(Bank
(Metro, Trust or
FLC branch, Addres Spons Name(s) of Conta
Date of Urban, run FLC
Code District LDM office, s of or FL ct Email
opening Semi- directly Helpline
* RSETI, FLC Bank Counsellor(s) No(s)
urban or by
Independe
rural) sponsor
nt)
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 Convener 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)
 63

Annex II-15

Position of RSETI
Quarter ended -----

SR District Location Sponsoring Date of Name of Contact Details Remarks

of RSETI Bank opening Contact
official
1 Tel email Address
2
3
4
5
6
7
8
9
10
11
12
13
14
15
 64

Annex III

LBS- MIS-I

Statement showing Targets of Annual Credit Plans (ACP) for the year ended ------
----
Name of the State/Union Territory:
(No. in actuals, Amount ` in thousands)
Sr. No Categories Yearly Targets under ACP
Number Amount
1 Priority Sector

1A Agriculture = 1A(i)+1A(ii)+1A(iii)

1A(i) Farm Credit

1A(ii) Agriculture Infrastructure
1A(iii) Ancillary Activities
Micro, Small and Medium Enterprises =
1B
1B(i)+1B(ii)+1B(iii)+1B(iv)+1B(v)

1B(i) Micro Enterprises (Manufacturing + Service)

1B(ii) Small Enterprises (Manufacturing + Service )

Medium Enterprises (Manufacturing +
1B(iii) Service)
1B(iv) Khadi and Village Industries
1B(v) Others under MSMEs
1C Export Credit
1D Education
1E Housing
1F Social Infrastructure
1G Renewable Energy
1H Others
2 Subtotal= 1A+1B+1C+1D+1E+1F+1G+1H
Loans to weaker Sections under Priority
3 Sector
4 Non-Priority Sector
4A Agriculture
4B Education
4C Housing
4D Personal Loans under Non-Priority Sector
4E Others
5 Sub-total = 4A+4B+4C+4D+4E
Total=2+5
Note: Data needs to be grouped separately for scheduled commercial banks and other
banks like State cooperative banks & DCCBs etc. The data of scheduled commercial banks
need to be further grouped into public sector banks, private sector banks, Regional Rural
Banks and Small Finance Banks to know the bank group wise position.
 65

Annex IV

LBS- MIS-II

Statement showing Disbursements and Outstanding for the quarter ended

…………...
Name of the State/Union Territory:
(No. in actuals, Amount ` in thousands)
Disbursements upto
Sr. Outstanding upto the
Sector the end of current
No end of current quarter
quarter
Number Amount Number Amount
1 Priority Sector
1A Agriculture= 1A(i)+1A(ii)+1A(iii)
1A(i) Farm Credit
1A(ii) Agriculture Infrastructure
1A(iii) Ancillary Activities
Micro, Small and Medium Enterprises =
1B
1B(i)+1B(ii)+1B(iii)+1B(iv)+1B(v)
1B(i) Micro Enterprises (Manufacturing + Service)

1B(ii) Small Enterprises (Manufacturing + Service)

1B(iii) Medium Enterprises (Manufacturing +
Service)
1B(iv) Khadi and Village Industries
1B(v) Others under MSMEs

1C Export Credit

1D Education
1E Housing
1F Social Infrastructure
1G Renewable Energy
1H Others
2 Sub total= 1A+1B+1C+1D+1E+1F+1G+1H
Loans to weaker Sections under Priority
3 Sector
4 Non-Priority Sector
4A Agriculture
4B Education
4C Housing
4D Personal Loans under Non-Priority Sector
4E Others
5 Sub-total=4A+4B+4C+4D+4E
Total=2+5
Note: Data needs to be grouped separately for scheduled commercial banks and other
banks like State cooperative banks & DCCBs etc. The data of scheduled commercial banks
need to be further grouped into public sector banks, private sector banks, Regional Rural
Banks and Small Finance Banks to know the bank group wise position.
 66

Annex V

LBS- MIS-III

Statement showing Achievement vis-à-vis Targets for the quarter ended

…………….
Name of the State/Union Territory:

(No. in actuals, Amount ` in thousands)

Achievement upto
Sr. Yearly Targets under
Sector the end of the
No ACP
current quarter (%)
Number Amount Number Amount
1 Priority Sector
1A Agriculture= 1A(i)+1A(ii)+1A (iii)
1A(i) Farm Credit
1A(ii) Agriculture Infrastructure
1A(iii) Ancillary Activities
Micro, Small and Medium Enterprises =
1B
1B(i)+1B(ii)+1B(iii)+1B(iv)+1B(v)
1B(i) Micro Enterprises (Manufacturing + Service)
1B(ii) Small Enterprises (Manufacturing + Service)
1B(iii) Medium Enterprises (Manufacturing + Service)
1B(iv) Khadi and Village Industries
1B(v) Others under MSMEs
1C Export Credit
1D Education
1E Housing
1F Social Infrastructure
1G Renewable Energy
1H Others
2 Sub total= 1A+1B+1C+1D+1E+1F+1G+1H
3 Loans to weaker Sections under Priority Sector
4 Non-Priority Sector
4A Agriculture
4B Education
4C Housing
4D Personal Loans under Non-Priority Sector
4E Others
5 Sub-total=4A+4B+4C+4D+4E
Total=2+5
Note: Data needs to be grouped separately for scheduled commercial banks and other
banks like State cooperative banks & DCCBs etc. The data of scheduled commercial banks
need to be further grouped into public sector banks, private sector banks, Regional Rural
Banks and Small Finance Banks to know the bank group wise position.
 67

Appendix

List of Circulars/instructions/Guidelines

Sr.
Circular No. Date Subject
No.
1 FIDD.CO.LBS. No.2595/02.01.001/2018-19 24.06.2019 Aligning roadmap for unbanked
villages having population more than
5000 with revised guidelines on
Branch Authorization Policy –
Regional Rural Banks
2 FIDD.CO.LBS.No.2431/02.01.001/2018-19 28.05.2019 Payments Banks – Participation under
Lead Bank Scheme
3 FIDD.CO.LBS.BC.No.16/02.01.001/2018-19 25.03.2019 Assignment of SLBC/UTLBC
Convenorship – State of Gujarat and
Union Territories of Daman & Diu and
Dadra & Nagar Haveli
4 FIDD.CO.LBS.No.3712/02.01.001/2017-18 05.06.2018 Roadmap for opening banking outlets
in villages with population more than
5000 without a bank branch of a
scheduled commercial bank
5 FIDD.CO.LBS.No.3671/02.01.001/2017-18 30.05.2018 Lead Bank Scheme – Strengthening
of Monitoring Information System
(MIS)
6 RBI/2017-2018/156 06.04.2018 Action Points for Lead Banks on
FIDD.CO.LBS.BC.No.20/02.01.001/2017-18 Enhancing the Effectiveness of Lead
District Managers (LDMs)
7 RBI/2017-2018/155 06.04.2018 Revamp of Lead Bank Scheme -
FIDD.CO.LBS.BC.No.19/02.01.001/2017-18 Action Points for SLBC Convenor
Banks/ Lead Banks
8 FIDD.CO.LBS. No.3017/02.01.001/2017-18 02.04.2018 Small Finance Banks – Participation
under Lead Bank Scheme
9 FIDD.CO.LBS.BC.No.31/02.01.001/2016-17 08.06.2017 Circular on Aligning roadmap for
unbanked villages with population
more than 5000 with revised
Guidelines on Branch Authorisation
Policy.
10 FIDD.CO.LBS.BC.No.16/02.01.001/2016-17 29.09.2016 Doubling of Farmers’ Income by 2022

11 FIDD.CO.LBS.No.5673/02.01.001/2015-16 20.05.2016 Lead Bank Scheme- strengthening of

Monitoring Information System (MIS)
12 FIDD.CO.LBS.BC.No.17/02.01.001/2015-16 14.01.2016 Direct Benefit Transfer (DBT) Scheme
– Seeding of Aadhaar in Bank
Accounts- Clarification
13 FIDD.CO.LBS.BC.No.82/02.01.001/2015-16 31.12.2015 Roadmap for opening brick and
mortar branches in villages with
population more than 5000 without a
bank branch of a scheduled
commercial bank
 68

14 RPCD.CO.LBS.BC.No.93/02.01.001/2013-14 14.03.2014 Annual Credit Plans – Potential Linked

Plan (PLPs) prepared by NABARD
15 RPCD.CO.LBS.BC.No.11/02.01.001/2013-14 09.07.2013 Direct Benefit Transfer (DBT) Scheme
– Implementation - Guidelines
16 RPCD.CO.LBS.BC.No.12/02.01.001/2012-13 11.05.2013 Lead Bank Scheme – Assignment of
lead bank responsibility in Metro
districts
17 RPCD.CO.LBS.BC.No.75/02.01.001/2012-13 10.05.2013 Direct Benefit Transfer (DBT) Scheme
– Implementation
18 RPCD.CO.LBS.BC.No.68/02.01.001/2012-13 19.03.2013 Lead Bank Scheme – Strengthening
of Monitoring Information System
19 RPCD.CO.LBS.BC.No.86/02.01.001/2011-12 19.06.2012 Roadmap-Provision of banking
services in villages with population
below 2000
20 RPCD.CO.LBS.B.C.No.68/02.01.001/2011-12 29.03.2012 SLBC Website - Standardization of
information / data
21 RPCD.CO.LBS.B.C.No.67/02.01.001/2011-2012 20.03.2012 Lead Bank Scheme - District
Consultative Committee (DCC) -
Inclusion of Director of MSME-DI
22 RPCD.CO.LBS.BC.No.60/02.08.001/2011-12 17.02.2012 Lead Bank Scheme - Participation of
public representatives like MP/MLA/
ZP Chiefs in District Level Review
Committee (DLRC) meetings
23 RPCD.CO.LBS.BC.No.74/02.19.010/2010-11 30.05.2011 Resolution of issues regarding
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)
24 RPCD.CO.LBS.BC.No.44/02.19.10/2010-11 29.12.2010 Lead Bank Scheme – Conduct of
State Level Bankers' Committee
(SLBC)/Union Territory Level Bankers'
Committee (UTLBC) meetings
25 RPCD.CO.LBS.HLC.BC.No.21/02.19.10/2010-11 16.09.2010 High Level Committee to Review Lead
Bank scheme- Providing banking
services in every village having
population of over 2000
26 RPCD.CO.LBS.BC.No.15/02.19.10/2010-11 26.07.2010 Lead Bank Scheme - Revitalising
SLBC Meetings
27 RPCD.CO.LBS.BC.57/02.19.10/2009-2010 02.03.2010 Report of the High Level Committee to
Review Lead Bank Scheme -
Implementation of the
Recommendations - Lead banks and
SCBs
28 RPCD.CO.LBS.BC.57/02.19.10/2009-2010 26.02.2010 Report of the High Level Committee to
Review Lead Bank Scheme -
Implementation of the
Recommendations - SLBC Convenor
banks
 69

29 RPCD.CO.LBS.HLC.BC.No.43/02.19.10/2009-10 27.11.2009 High Level Committee to review LBS-

Providing banking services in every
village having population of over 2000
by March 2011
30 RPCD.LBS.CO.BC.No.111/02.13.03/2008-09 02.06.2009 Sub-Committee of SLBC for Export
Promotion
31 RPCD.LBS.CO.BC.No.79/02.01.01/2008-2009 30.12.2008 Inclusion of issues pertaining to
MSME Sector in SLBC meeting
32 RPCD.LBS.CO.BC.No.33/02.18.02/2006-07 15.11.2006 Lead Bank Scheme - Inclusion of
National Horticulture Board as a
permanent member of SLBC of the
respective State
33 RPCD.LBS.BC.No.20/02.01.01/2006-07 30.08.2006 Financial Inclusion by extension of
banking services with 'No Frills'
accounts and issue of GCC
34 RPCD.CO.LBS.BC.No.52/02.02.001/2005-06 06.12.2005 Financing of projects under Agri
clinics & Agri Business Centres
Scheme – Review at meetings
35 RPCD.No.LBS.BC.50/02.01.01/2005-06 06.12.2005 Participation in various fora under
Lead Bank Scheme
36 RPCD.CO.LBS.BC.No.47/02.01.001/2005-06 09.11.2005 Credit Deposit Ratio - Implementation
of recommendations of expert group
on CD Ratio
37 RPCD.CO.LBS.BC.No.11/02.01.001/2005-06 06.07.2005 Participation of MPs/Public
Representatives in DLRC meetings -
Functions relating to Self Help Groups
(SHGs) Credit Linkage Programme
38 RPCD.CO.LBS.BC.No.93/02.01.001/2004-05 11.04.2005 Rural lending - ACPs based on the
Potential Linked Plans (PLPs)
prepared by NABARD
39 RPCD.CO.LBS.BC.No.76/02.01.001/2004-05 28.01.2005 Participation of private sector banks
under various fora under Lead Bank
Scheme
40 RPCD.CO.LBS.BC.No.62/02.01.001/2004-05 08.12.2004 Rural lending - Service Area Approach
- Review - Relaxation in SAA
41 RPCD.CO.LBS.BC.No.5/02.01.001/2004-05 16.07.2004 Lead Bank Scheme - Participation of
Members of Parliament and Public
Representatives in District Level
Review Committee (DLRC) meetings
42 RPCD.CO.LBS.BC.No.56/02.01.001/2003-04 20.12.2003 Credit Flow to Boost Economic
Growth
43 RPCD.CO.LBS.BC.No.14/02.01.001/2003-04 29.07.2003 Convening DLRC meetings - Late
submission of reports by lead banks
44 RPCD.CO.LBS.BC.No.59/02.01.001/2002-03 06.01.2003 Lead Bank Scheme - Participation of
Members of Parliament and Public
Representatives in District Level
Review Committee (DLRC) meetings
45 RPCD.CO.LBS.BC.No.106/02.01.001/2001-02 14.06.2002 Lead Bank Scheme - Participation of
Members of Parliament and Public
Representatives in District Level
 70

Review Committee (DLRC) meetings

46 RPCD.CO.LBS.BC.No.85/02.01.001/2000-01 09.05.2001 Lead Bank Scheme - Participation of

Members of Parliament and Public
Representatives in District Level
Review Committee (DLRC) meetings
47 RPCD.CO.LBS.BC.No.81/02.01.001/2000-01 27.04.2001 Lead Bank Scheme - Convening of
DLRC Meetings on Quarterly Basis -
Monitoring thereof
48 RPCD.LBS.BC.32/02.01.01/2000-01 03.11.2000 Lead Bank Scheme - Holding of
District Level Review Committee
Meeting
49 RPCD.No.LBS.BC.86/02.01.01/1996-97 16.12.1996 Inclusion of National Commission for
Scheduled Castes/Tribes in State
Level Bankers Committees (SLBCs)

50 RPCD.No.LBS.BC.13/02.01.01/1996-97 19.07.1996 Inclusion of Representatives of Khadi

and Village Industries
Commission/Boards in SLBC/DCC

51 RPCD.No.LBS.BC.118/02.01.01/94-95 February 18.02.1995 Credit Deposit Ratio of Banks in Rural

18, 1995 and Semi-urban Areas
52 RPCD.No.LBS.BC.112/LBC.34/88-89 28.04.1989 State Level Bankers' Committee -
Meetings
53 RPCD.No.LBS.BC.12/65/88-89 11.08.1988 Service Area Approach - Constitution
of Block Level Bankers' Committees
54 RPCD.No.LBS.BC.100/55-87/88 22.04.1988 Lead Bank Scheme - District Credit
Plan - Annual Action Plan
55 RPCD.No.LBS.BC.87/65-87/88 14.03.1988 Rural Lending - Service Area of Bank
Branches
56 RPCD.No.LBS.BC.69/LBS.34-87/88 14.12.1987 Review of the Annual Action Plans by
State Level Bankers Committees
(SLBCs)
57 RPCD.No.LBS.524/55-86/87 28.04.1987 Lead Bank Scheme - Preparation of
District Credit Plans/Annual Action
Plans
58 RPCD.No.LBS.430/55/86-87 03.03.1987 Lead Bank Scheme - District Credit
Plans - Guidelines for Fourth Round
59 RPCD.No.LBC.363/1-84 02.11.1984 Integration of Annual Action Plans
(AAPs) with the Performance Budgets
of Bank Branches
60 RPCD.No.LBC.162/1-84 06.09.1984 Integration of Annual Action Plans
(AAPs) with the Performance Budgets
of Bank Branches
61 RPCD.No.LBC.135/55-84 30.08.1984 Lead Bank Scheme - Annual Action
Plan for 1985 - Guidelines for
Formulation of
62 RPCD.No.LBC.96/1-84 18.01.1984 Lead Bank Scheme - Appointment of
Lead Bank Officer - District Co-
ordinators
 71

63 RPCD.No.LBC.739/1-83 04.08.1983 Recommendations of the Working

Group to Review the Working of the
Lead Bank Scheme
64 RPCD.No.3096/C.517-82/83 13.04.1983 Convenorship of the State Level
Bankers' Committees
65 DBOD.No.BP.B.BC 74/C/462(E.9)-80 18.06.1980 Credit Deposit Ratio of banks in Rural
and Semi-Urban Areas
66 DBOD.NO.TEP.20/C.517-77 02.02.1977 State Level Bankers’ Committee

67 DBOD.No.BD.2955/C.168-70 11.08.1970 Lead Bank Scheme

68 DBOD.No.BD4327/C.168-169 23.12.1969 Branch Expansion Programme-
Allocation of Districts under the Lead
Bank Scheme