State Level Banker's Committee

1. Constitution

Pursuant to the recommendations of Gadgil Committee (October, 1969) and Nariman Committee (November, 1969) the Lead Bank Scheme was introduced by the Reserve Bank of India in December, 1969.The scheme emphasized making specific Banks in each district the key instruments of local development by entrusting them with the responsibility of locating growth centers, assessing deposit potential, identifying credit gaps and evolving a coordinated approach to credit deployment in each district, in concert with other Banks and credit agencies.

The scheme significantly did not envisage a monopoly of Banking Business by the Lead Bank in their district. The Lead Bank is expected to assume leadership role and act as consortium leader for coordinating the efforts of the credit institutions and accordingly the various districts in the country were allocated among the Public/select Private Sector Banks, as the Lead Bank for the district. As at the end of March 2009 26 Banks (Public & Private Sector) have been assigned Lead responsibility in 622 districts of the country.


Various fora have been created at the State Level, District Level and Block Level for coordination of activities of Commercial Banks and other financing agencies on the one hand and Government departments on the other. These for are also helpful in discussing problems in implementing the credit plans and finding out solutions for them, as also monitoring the progress in implementation of the credit plans. These are as under-

DISTRICT LEVEL District Level Consultative Committee Block Level Bankers’ Committee
State Level Coordination Committee District level Review Committee  
Standing Committee of DCC  


State Level
State Level Banker's Committee
Definition SLBC is an Inter Institutional Forum for co-ordination and joint implementation of development programmes by all financial institutions operating in a State
Functions Review the Banking developments in the State with special reference to Annual Credit Plans, Government Sponsored Programmes, Flow of credit to Priority Sector, Branch Expansion, Credit Deposit ratio, etc                                                                                               
Consider such issues as have been raised by the Member Banks or by the State Government authorities and questions or Inter Bank differences of views and approaches remaining unresolved at the District Consultative Committees (DCCs).
Address issues relating to-
Regional imbalances in availability of banking facilities
Regional imbalances in deployment of credit
Liaison with State Government
Review of functioning of DCC
Review of functioning of District Credit Plans
Uniformity in terms and conditions of lending
Review of credit flow to small borrowers in the neglected sectors, pending loan applications and assistance under various Govt. sponsored programmes
Review of Credit Deposit Ratio, and
Any other State specific issues, with the permission of the Chair
Members  It comprises the representatives of commercial banks (including RRBs), State Co-operative Banks, Land Development Banks (LDB), NABARD, RBI, etc
Although envisaged as Bankers forum, Government Officials are also included.
Representatives of various organizations from different sectors of the economy like retail traders, exporters, agricultural graduates (who wish to start agri-clinics/ agri-business), farmers' unions and some other organizations, who wish to protect the interest of their members, may also be invited as special invitees in SLBC meetings for discussing their specific problems.
Representatives of Departments of State Governments.
Chairman The meetings are chaired by the Chairman/Executive Director of the convener bank
As per RBI Letter no. 21/26/2008-deV dated 05.09.2008., State Government Official not below the rank of Chief Secretary/Development Commissioner of the State needs to Chair SLBC Meetings.
Convener A Bank identified as Convener Bank by
Periodicity  Quarterly
State Level Coordination Committee
Definition A forum for co-ordination between the State Government and financial institutions and for the review of the performance of banks particularly in assisting credit based development programmes taken up by the State Government.
Functions To make in-depth review of banks' performance in the implementation of various credit based development programmes of Government, matters relating to infrastructure and extension facilities, recovery performance including legislative and administrative support from Government, problems of banking development in the State, etc.
Members Representatives from banks, RBI, NABARD, SLDBs and the concerned development departments of the Government.
Chairman The Chief Minister/Finance Minister of the State
Convener The Chief Secretary, Director of Institutional Finance, Registrar of Co-operative Societies, 
Periodicity Yearly, though, the Standing Committee of SLCC is expected to meet at quarterly intervals.
District Level
District Level Consultative Committee (DLCC)
Definition DLCC is an Inter Institutional Forum at District Level for co-ordination and joint implementation of development programmes by all Banks & Financial Institutions on the one hand and Government Departments on the Other.
Functions Find solutions to the problem hindering the smooth functioning of the various developmental activities under the Lead Bank Scheme at the district level
Members Commercial Banks, Co-operative Banks including DCCB and SLDB, RRBs, NABARD, etc. and various State Government departments and allied agencies
Chairman The District Collector.
Convener Lead District Manager (LDM) 
Periodicity Quarterly
District Level Review Committee (DLRC)
Definition DLCC is an Inter Institutional Forum at District Level for co-ordination and joint implementation of development programmes by all Banks & Financial Institutions on the one hand and Government Departments on the Other.
Functions  Evaluate progress made in implementation of ACP//DCP
  Identifying problem areas and devising suitable remedial steps.
Members Local MPs and MLAs
Representatives of State Minority Commission, SC/ST Corporation
 Zilla Parishad Chief
Chairman District Collector
Convener Lead District Manager (LDM)
Periodicity Quarterly
Block Level
Block Level Bankers' Committee (BLBC)

BLBC is an Inter Institutional Forum at Block Level aimed at achieving coordination between credit institutions on one hand and field level development agencies on the other to facilitate effective implementation of credit plans at block level.
Functions To discuss the action plans of different bank branches and their aggregation into Block Credit Plan;
To resolve operational problems in implementation of the credit programmes of banks, particularly in regard to ensuring availability of inputs and linkages;
To review the progress in implementation of Government-sponsored schemes;
To review the implementation of the Block Credit Plan and the provision of other inputs required so that bank credit becomes more productive;
Allocation of service area of a new branch to be opened in the block as and when licence for a new branches are issued by the Reserve Bankof India; and
Hold meetings at least once in a quarter.
Members All the banks operating in the block including the district central co-operative banks and RRB, Block Development Officer, and other technical officers in the block, such as extension officers for agriculture, industries and co-operatives. The Lead District Officer of RBI and the officer concerned from NABARD selectively attend the meetings of the BLBCs
Chairman Lead District Manage
Convener CEO Janpad Panchayat
Periodicity Atleast once every quarter