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India-RBI

Lead Bank Scheme & District Credit Planning

204 notifications build and maintain this infrastructure, from the participation of MPs in review committees to the format of progress reports.

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Every district in India has a Lead Bank — one bank responsible for coordinating all banking activity in the district. The Lead Bank convenes the District Level Credit Committee, prepares the Annual Credit Plan based on NABARD's Potential Linked Plans, monitors credit targets by sector and sub-sector, and reports to the State Level Bankers' Committee. This infrastructure — SLBCs, DLCCs, BLBCs — is the operational backbone of priority sector lending at the ground level.

204 notifications build and maintain this infrastructure, from the participation of MPs in review committees to the format of progress reports.

See also: Priority Sector Lending — The Complete Framework

For the story of how district credit planning works — from the 1969 lead bank scheme to today's DLCC/SLBC structure — see How District Credit Plans Decide Who Gets a Loan.

Written by Sushant Shukla
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