April 01, 2021
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 March 31, 2021 as listed in the Appendix.
This Master Circular has been placed on the RBI website https://www.rbi.org.in
Yours faithfully,
(Sonali Sen Gupta)
Chief General Manager-in-Charge
Encl.: As above
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 |
| 5.4 | National Strategy for Financial Inclusion (NSFI): 2019-2024 – Universal Access to Financial Services |
| 6 | Credit Deposit Ratio |
| 6.1 | CD Ratio of banks in Rural and Semi-Urban Areas |
| 6.2 | Implementation of the recommendations of Expert Group on CD Ratio |
| 7 | Direct Benefit Transfer |
| 8 | Service Area Approach (SAA) |
| 8.1 | Dispensing with ‘No Due Certificate’ |
| 9 | Doubling of Farmers’ Income by 2022 |
| 10 | Expanding and Deepening of Digital Payments Ecosystem |
| 11 | References of Directions/Circulars relevant to Lead Bank Scheme |
To Read More :
Click below :
https://www.dropbox.com/s/58wz7aitv3xda3j/Master%20bank%20lead%20bank%20scheme.PDF?dl=0