A meeting of the District Level Review Committee and the District Consultative Committee (DLRC/DCC) was held today here under the chairmanship of Deputy Commissioner (DC) Ganderbal, Jatin Kishore to review the performance of banks and line departments for the quarter ending December 2025, and to assess the progress under the Annual Credit Plan (ACP).
At the outset, Lead District Manager, Ganderbal, presented a comprehensive report detailing the bank-wise performance in various key areas, including deposits, advances, and Credit Deposit Ratio (CDR). Credit Deposit Ratio of the banks stood at 95.29 %.
The meeting noted a positive rise in the district's overall CD Ratio from 92.75% to 95.2%. However, the DC flagged poor performance by certain banks, directing them to immediately scale up lending to meet district benchmarks. The DC emphasized the need for banks to increase credit flow to the agriculture sector to meet the requirements of farmers.
He directed banks to improve their credit dispensation strategies and ensure that the agricultural sector receives adequate financial support. He also directed the banks and line departments to ensure time bound disposal of pending cases under various schemes such as PMFME, PM Surya Ghar, Mission YUVA etc.
The DC issued a stern directive to all banks, specifically those other than J&K Bank to maximize their outreach. He emphasized that the responsibility for implementing government-sponsored schemes like PMEGP and KCC must be shared across all financial institutions to ensure broader public access.
Further, Agriculture & allied departments along with banks were directed to ensure maximum coverage under the Kisan Credit Card (KCC) Scheme. Emphasizing the importance of outreach, the DC stressed that awareness about various government schemes must be integrated into regular departmental programmes, ensuring active participation of officials from the concerned departments.
The performance under various Social Security Schemes (SSS), including Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Jhan Dhan Yojna (PMJDY)and Atal Pension Yojana (APY), was also reviewed.
In this regard, banks and line departments were directed to work together to ensure 100% coverage of eligible beneficiaries under these welfare schemes. The meeting was attended by Additional District Development Commissioner, Manzoor Ahmad; Chief Planning Officer, Senior officials from the district administration, RBI, NABARD, representatives from various banks, and line departments.