Lead Bank Scheme Structure and Implementation
The Lead Bank Scheme is a framework for banks to coordinate and implement financial inclusion initiatives at the block, district, and state levels.
Fora under Lead Bank Scheme
The scheme consists of three tiers of committees:
Block Level Bankers’ Committee (BLBC): Focuses on block-level issues and implementation of credit plans.
District Consultative Committee (DCC): Comprises bankers, government officials, and other stakeholders to discuss district-level issues and review progress.
State Level Bankers’ Committee (SLBC): Oversees state-level initiatives, reviews progress, and coordinates with the state government.
Meetings and Activities
DCC meetings are held quarterly, with a focus on grievance redressal and public meetings. DLRC meetings are held annually to review progress.
SLBC meetings are held annually, with a standardized agenda and calendar. The committee also maintains a website with standardized information and data.
Capacity building, training, and sensitization programs are conducted for stakeholders.
Implementation of Lead Bank Scheme
The scheme is implemented through:
Preparation of credit plans: Banks prepare credit plans to identify potential areas for lending.
Potential Linked Credit Plans (PLPs): Banks identify potential areas for lending and create linked credit plans.
Monitoring performance: Progress is monitored and reviewed at regular intervals.
Chat with the Master Circular:
Download: Master Circular – Lead Bank Scheme