PULWAMA, SEPTEMBER 30: District Development Commissioner (DDC) Pulwama, Dr. Basharat Qayoom, today chaired the District Level Review Committee (DLRC) meeting for the first quarter of the financial year 2025-26 at the circuit house Pulwama to assess the performance of banks and line departments across various financial and developmental parameters.
At the outset, the Lead District Manager (LDM), Pulwama presented a detailed PowerPoint presentation covering the banking profile of the district, including deposits, advances, sector-wise credit flow under the District Credit Plan, performance under priority and non-priority sectors, as well as progress under government-sponsored schemes.
The meeting was apprised that Pulwama has recorded a year-on-year growth of 6.44% and 9.12% in deposits & advances while CD ratio grew by 2.52%. The district’s CD ratio at the end of the 1st quarter stands at 110.81%, ranking among the highest in the Union Territory of Jammu & Kashmir.
A major focus of the meeting was on the implementation of social security schemes such as 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 status of bank-wise progress across these schemes and directed branch managers to maximize the enrolments in a time-bound manner. Dr. Qayoom further directed cluster heads of banks to monitor the daily progress of enrolments under these schemes and ensure that saturation under these schemes is achieved on priority.
He also instructed banks and line departments to hold special awareness and enrolment camps at block and panchayat levels to accelerate coverage under PMJDY, PMJJBY, PMSBY, and APY.
In addition to social security schemes, the meeting also reviewed progress under Mission YUVA, NRLM, RSETI skill development programmes, and KCC financing for farmer operating families while DDC stressed banks to reduce pendency in disbursal of credit and ensure timely support to eligible beneficiaries.
He further directed all the stakeholders to improve priority sector lending in different Government sponsored schemes so that unemployed youth can attain self-sufficiency through various self-employed schemes of central and UT Govt.
“All banks and departments must work in close coordination to ensure that the benefits of government schemes reach every eligible person. Particular focus should be laid on the economic empowerment of youth through greater access to credit and employment opportunities,” the DDC said.
The DDC urged all stakeholders to adopt a mission-mode approach to ensure that Pulwama achieves the targets under the District Credit Plan and benefits from holistic socio-economic growth.
The meeting was attended by representatives from the Reserve Bank of India (RBI); General Manager, DIC Pulwama; Lead District Manager Pulwama (J&K Bank); and other district officers from various line departments and representatives of various banks forming part of the committee framework.
