Deputy Commissioner, Pulwama, Dr Basharat Qayoom today chaired the District Level Review Committee (DLRC) meeting for the third quarter of the financial year 2025–26 at Circuit House, Pulwama, to review the performance of banks and the implementation of various financial inclusion and employment generation schemes in the district.
At the outset, the Lead District Manager (LDM), Pulwama, presented a detailed overview of the district’s banking performance. The Chair was apprised that Pulwama recorded a year-on-year growth of 9.03 percent in deposits and 12.19 percent in advances, while the Credit–Deposit (CD) ratio increased by 3 percent.
The district’s CD ratio at the end of the third quarter stood at 113.86 percent. During the meeting, the DC reviewed bank-wise and sector-wise performance under the District Credit Plan (DCP). A detailed review of employment generation schemes, including Mission YUVA, PMEGP, PMFME, NRLM, HADP and PM Vishwakarma, was also conducted.
The Chair stressed upon all banks and line departments to ensure timely sanctioning and disbursement of cases and to minimise pendency. He directed strengthening coordination among stakeholders to enhance credit linkage and maximise beneficiary coverage.
The DC laid special emphasis on the implementation of social security schemes, including PMJDY, PMJJBY, PMSBY and APY. He directed banks to intensify enrolment drives to achieve saturation in a time-bound manner and ensure wider financial inclusion across all sections of society.
Emphasising accountability, the DC directed all banks to improve their performance in priority sector lending and devise concrete strategies to meet the annual targets. He also instructed regular monitoring of bank-wise performance and improvement in credit flow to productive sectors.
The DC further stressed enhancing financial literacy and awareness among the public and directed concerned institutions to conduct more outreach programmes, especially in rural and underserved areas. On the occasion, the Deputy Commissioner also launched the Potential Linked Credit Plan for District Pulwama for the financial year 2026–27, aimed at providing a roadmap for credit planning and facilitating sector-wise growth in alignment with the district’s developmental priorities.
Among others, the meeting was attended by Chief Planning Officer, Pulwama; Lead District Manager; representatives of RBI and NABARD; Cluster Head, J&K Bank; Director, RSETI; district officers of line departments; and representatives of various banks and other stakeholders.