ANANTNAG, JUNE 04: A District Level Review Committee (DLRC) meeting to review the performance of the banking sector in Anantnag district for the quarter ending March 2026 (Q4 FY 2025–26) and FY 2025-26 was held today under the chairmanship of District Development Commissioner, Dr. Bilal Mohiuddin Bhat at DC Office.
The meeting was attended by GM DIC, CPO, CAO, CAHO, DD Fisheries, DSWO, AD Handicrafts, District Officers KVIB, KVIC and NRLM, LDO RBI, DDM NABARD, Cluster Heads of J&K Bank, Chief Manager SBI, Director RSETI, District Coordinators of various Banks and officers from KVIB, KVIC and NRLM.
At the outset, the minutes of last DLRC meeting held in March 2026 were unanimously confirmed by the committee.
Presenting a comprehensive review, Lead District Manager (LDM), informed the chair that the total deposits in the district as of March 31, 2026 stood at Rs 9697.54 crore, while advances amounted to Rs 7433.41 crore, resulting in a Credit-Deposit (CD) ratio of 79.65%.
Under the District Credit Plan (DCP) of FY 2025–26, the banking sector disbursed Rs 3314 crore under the priority sector against a target of Rs 3676.11 crore, thereby achieving 90% of the allotted target. Non-priority sector lending stood at Rs 2083.10 crore against the target of Rs 2025.74 crore, thereby achieving 103% of the target. Cumulatively, the total credit disbursed in the district was Rs 5397.04, registering 95% achievement of the overall credit target of Rs. 5701.86 for FY 2025-26.
During the meeting, the DDC reviewed the performance of banks for the Q4 as well as the whole FY 2025-26 in detail. He laid special emphasis on improving the Credit–Deposit (CD) Ratio and enhancing credit flow to priority areas, particularly agriculture and allied sectors.
Reviewing the status of crop loans, the DDC advised the banks to ensure adequate and timely credit to farmers. He appreciated the progress shown in crop loan disbursement and urged the banks to intensify the efforts and achieve targets in coordination with the Agriculture Department.
Observing the decline in some loan segments, the DDC directed the banks to take immediate corrective measures and improve lending performance. He further reviewed the progress of other priority sector advances and instructed the banks to increase lending to productive sectors.
The meeting stressed the need for greater awareness among farmers regarding government schemes, agricultural credit facilities and crop insurance schemes. Need for better coordination between banks and line departments to ensure effective implementation of schemes and improved credit delivery was emphasised.
On the occasion, Dr. Bilal also reviewed progress under government-sponsored schemes like Svanidhi, Mudra, PMJJBY, PMSBY, APY, PMEGP, JDY, among others. He called the Social Security and Financial Inclusion Schemes as important interventions and directed the banks and concerned departments to ensure enrollment of all prospective beneficiaries in a time bound manner.
Highlighting the need for greater coordination and streamlining credit disbursal process by banks, the DDC instructed LDM and concerned officers to ensure swift disbursal of credit to the beneficiaries under flagship initiatives like HADP, Mission YUVA and PM Surya Ghar Muft Bijli Yojana.
It was informed that against 3784 sanctioned cases under Mission YUVA, loans to the tune of Rs 19842.00 lakh have been disbursed in favour of 3307 cases so far. Similarly, under PM Surya Ghar credit amounting to Rs 3613 lakh has been disbursed to 2143 beneficiaries.
Regarding working of RSETI, it came out that 614 candidates received training, out of which 529 cases were settled with 313 credit linkage settlements. Further, five Centres for Financial Literacy have carried out 299 outreach camps, ensuring a total of 6086 linkages.
During the meeting, it was decided that target driven methods and better procedures be adopted for improving the performance of banks in PSL, Social Security and Financial Inclusion Schemes, Mission YUVA, HADP, PM SGMBY and other key areas.
At conclusion, directions were issued to all banks to improve lending performance, strengthen financial inclusion initiatives, and work closely with line departments for overall growth, prosperity and public welfare in the district.
