GANDERBAL: To review the quarterly performance of the banks and other line departments in the district for the first quarter ending June 2025 for the year 2025-2026, District Development Commissioner (DDC) Ganderbal, Jatin Kishore, Monday chaired the District level Review Committee/District Consultative Committee (DLRC/ DCC) meeting, here.
At the outset, DDC took a thorough review of the performance of banks achieved under various key schemes of the government, including PMJJBY, PMSBY, KCC, Mission Yuva, and other social security schemes, to assess the progress under the Annual Credit Plan (ACP).
Lead District Manager, Ganderbal, presented a comprehensive report detailing the bank-wise performance in various key areas, including deposits, advances, and Credit Deposit Ratio (CDR). Credit Deposit Ratio of the banks stood at 94%.
DDC expressed concern regarding the low credit dispensation in the agriculture sector. He emphasized the need for banks to increase credit flow to the agriculture sector to meet the requirements of farmers. He directed banks to improve their credit dispensation strategies and ensure that the agricultural sector receives adequate financial support.
Additionally, district officers of Agriculture and allied departments were advised to sponsor more credit-linked cases under prominent schemes like the Holistic Agriculture Development Programme to the banks. Further, Agriculture & allied departments along with banks were directed to ensure 100% saturation of PM Kisan beneficiaries under the Kisan Credit Card (KCC) scheme.
DDC took a comprehensive review of the Mission YUVA cases and directed all the concerned branches to dispose of all the pending cases within a period of one week and report compliance. The concerned department (Employment Department) was also directed to take up the matter with the banks for early resolution of issues faced by beneficiaries.
In the Micro, Small, and Medium Enterprises (MSME) sector, banks reported significant progress, having exceeded the targets set for the sector under the Annual Credit Plan.
The performance under various Social Security Schemes (SSS), including Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Jhan Dhan Yojna (PMJDY) and Atal Pension Yojana (APY), was also reviewed. In this regard, banks and line departments were directed to work together to ensure 100% enrollment of eligible beneficiaries under these welfare schemes.
Furthermore, DDC emphasized the importance of collaboration between banks and sponsoring agencies in guiding unemployed youth towards livelihood opportunities. Banks were urged to process cases swiftly and support youth in gaining financial independence.
Taking strong note of poor performance by many bank branches in significant schemes of the government, DDC directed Lead District Manager, J&K Bank, to report pendencies related to social security schemes to his office as per a proper format. He also directed Cluster Head to take a weekly review of pending matters and submit consolidated progress to his office.
He stressed that the concerned should not take much time in disbursement of cases after sanctioning, and sought their timely disbursal for the good of the beneficiaries.
DDC directed the participants that the serious issues highlighted during the meeting and are hampering the economic growth of the district should be properly followed upon.
Among others, the meeting was attended by Additional District Development Commissioner, Manzoor Ahmad; ADC, CPO, GM DIC, LDM, AGM NABARD, Cluster Head, A.D DE&CC, officers from line departments, branch heads of various banks.
