Samba : A meeting of the District Level Review Committee/District Consultative Committee (DLRC/DCC) for the quarter ended September 2025 was held Friday at the Office of the Deputy Commissioner to review the performance of banks in the district.
The meeting focused on deposits, advances, Credit–Deposit (CD) ratio and achievements under the Annual Credit Plan (ACP) for the financial year 2025–26. Progress under the Government Sponsored and Social Security Schemes was also reviewed.
The meeting was chaired by District Development Commissioner Ayushi Sudan and convened by Lead District Manager (LDM) Subash Chander.
Among others present in the meeting were LDO RBI, DDM NABARD, Chief Agriculture Officer, Chief Animal Husbandry Officer, District Sheep Husbandry Officer, Assistant Director Fisheries, District Coordinators of J&K Bank, SBI, PNB, JKGB, representatives from other banks and officials from sponsoring Government Departments and agencies.
The LDM informed the meeting that the banks operating in the district recorded deposits of Rs. 8878.69 crore and advances of Rs. 4864.40 crore as on Sept 30, 2025, with a CD ratio of 54.95%. The achievement under the Annual Credit Plan 2025–26 stood at Rs. 1754.67 crore against an annual target of Rs. 2580.44 crore, reflecting 68% achievement. Under the Priority Sector, banks lent Rs. 985.72 crore against a target of Rs. 2032.41 crore, while under the Non-Priority Sector, achievements stood at Rs. 768.95 crore against the target of Rs. 548.03 crore, registering 140% achievement.
The District Development Commissioner undertook an extensive review of Government Sponsored Schemes with special focus on PMEGP, JKREGP, KCC, HADP, PMAY, NRLM and NULM. She emphasized achieving 100% digitization of bank accounts and directed the banks and sponsoring agencies to spread awareness among the public about various self-employment schemes launched by the Government. She further advised banks to clear pending sponsored cases at the earliest and enhance lending particularly under Agriculture & Allied Activities, MSME, Housing and Education sectors to maintain a healthy CD ratio.
The DDC also directed banks to ensure saturation of all eligible beneficiaries under Social Security Schemes viz. PMSBY, PMJJBY and APY.
The meeting concluded with a vote of thanks by the Lead District Manager.