District Development Commissioner (DDC), Pulwama, Dr Basharat Qayoom, today chaired the District Level Review Committee (DLRC) meeting for the second quarter of the financial year 2025–26 at Circuit House, Pulwama. The meeting aimed to assess the performance of banks and line departments under various financial and developmental parameters.
At the outset, the Lead District Manager (LDM), Pulwama, presented a detailed presentation highlighting the district’s banking performance. The Chair was apprised that Pulwama recorded a year-on-year growth of 8.18 per cent in deposits and 10.49 per cent in advances, while the Credit–Deposit (CD) ratio increased by 2.35 per cent.
The district’s CD ratio at the end of the second quarter stood at 111.86 per cent, ranking among the highest in the Union Territory of Jammu and Kashmir. During the review, Dr Qayoom examined the sector-wise performance of banks against allocated targets and directed all concerned banking institutions to devise a comprehensive action plan to achieve the stipulated targets.
A major focus of the meeting was the implementation and saturation of social security schemes, including Pradhan Mantri Jan Dhan Yojana (PMJDY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY).
The DDC reviewed the bank-wise progress under these schemes and directed branch managers to maximise enrolments in a time-bound manner. He further instructed cluster Head to monitor daily progress and ensure priority saturation under these schemes.
While reviewing achievements under Priority and Non-Priority Sector lending, the DDC urged banks to place greater emphasis on Priority Sector Lending and to improve the ease of access to banking facilities for consumers.
The DDC also stressed upon all line departments and banks operating in the district to ensure effective implementation of self-employment schemes such as Mission YUVA, Prime Minister’s Employment Generation Programme (PMEGP), Holistic Agriculture Development Programme (HADP), Pradhan Mantri Mudra Yojana (PMMY) and PM Surya Ghar Muft Bijli Yojana, among others.
He emphasised strengthening financial inclusion through proper handholding of beneficiaries to enhance credit outreach, while the Agriculture and allied departments were directed to ensure 100 per cent saturation of PM-Kisan beneficiaries under the Kisan Credit Card (KCC) Scheme.
Among others, the meeting was attended by Chief Planning Officer, Pulwama, Aashiq Hussain Khanday; Chief Agriculture Officer; Chief Animal Husbandry Officer; Assistant Director, Fisheries; representative of RBI; District Development Manager, NABARD, Pulwama; Cluster Head, J&K Bank along with branch managers; Director, RSETI, Pulwama, and representatives from various line departments and banks forming part of the committee.