:: Welcome to SLBC J&K ::
 
 
   
  About SLBC and its Objectives  
 

Lead Bank Scheme is aimed at achieving the national plan objectives viz., (i) Removal of unemployment and under-employment; (ii) Appreciable rise in the standard of living of the poorest sections of the population; and (iii) Provision of some of the basic needs of the people belonging to the poorer sections. To achieve these goals, District Credit Plans are prepared under Lead Bank Scheme to focus on:
 
 
  1. Increasing productivity, production and employment opportunities in different sectors in rural areas, especially among weaker sections, to enable them to move above the poverty line.
  2. Promoting balanced development of different districts/ blocks within the districts.
 

To achieve these goals, there would be need to lay more stress on promoting optimum use of land, labour and financial resources for promoting productivity and production. It is also necessary to further improve the co-ordination arrangements between Government development programmes and bank lending and promote availability of institutional credit assistance.

Allocation of Districts:

All the districts of the country have been allocated to the banks (public sector and to a few private sector). The bank, which has been assigned the lead bank responsibility, is called Lead Bank of the district and such district for the Lead Bank shall be termed as Lead District. The distribution of districts was mainly done on the basis of certain criteria like size and resources of a bank, geographical contiguity, and ability to undertake lead responsibilities.

The J&K Bank has been assigned lead responsibility in respect of 12 districts out of the total 22 districts across J&K State viz. Baramulla, Kupwara, Rajouri, Poonch, Srinagar, Pulwama, Budgam, Anantnag, Ganderbal, Shopian, Kulgam and Bandipore. Lead Bank Responsibility of 4 districts of Srinagar, Pulwama, Budgam and Anantnag was temporarily transferred from SBI to our Bank in the year 1992 and now RBI have extended the same on regular basis in 2007. The other 10 districts of the State, Jammu, Kathua, Udhampur, Doda, Samba, Ramban, Kishtwar, Reasi, Leh & Kargil have been allotted to SBI.

Lead Bank Fora:

For successful implementation of Lead Bank Scheme, there are various co-ordination forums created for realistic credit planning, to discuss and solve operational difficulties and monitor the performance of the participating Credit Institutions, agencies, etc. at Block, District, State and National Levels. These forums are: -
 
 
Block Level: -
 
 
  1. Block Level Bankers’ Committee (BLBC)
 
District Level:  
  1. District Consultative Committee (DCC)
  2. District Level Review Committee (DLRC)
  3. Standing Committee (SC)
 
State Level:-  
  1. State Level Bankers’ Committee (SLBC)
  2. State Level Review Committee (SLRC)
 
National Level:-  
  1. High Power Committee (HPC)
  2. Regional Consultative Committee (RCC)
 
  1. District Consultative Committee DCC: (Total membership= 20-25 members).
    Conducted by the Lead District Managers on quarterly basis and presided over by the District Development Commissioners.
  2. Standing Committee Meetings:
    Conducted by Lead District Managers on monthly basis. (Usually the meeting of Standing Committee is not held in the month in which the meeting of DLRC is held).
  3. DLRC Meetings:
    These meetings are required to be held at quarterly basis to review performance of banks under District Credit Plan. The meetings are presided over by the District Development Commissioners.
  4. Block Level Bankers’ Committee (BLBC) Meetings:
    Lead District Managers functions as Chairman of BLBC and meetings are convened on quarterly basis in every block of the district. The district comprises of various blocks. Senior most Branch Manager of the Block located at Block Headquarter) of the Lead Bank happens to be the Convenor of BLBC forum.
 
Membership: All banks inclusive of RRBs, DCCBs, and the concerned Developmental agencies of the Block.  
   
SERVICE AREA APPROACH:

Service Area Approach introduced in the year 1989 by RBI is the concept to accelerate the pace of Rural Development. The main feature of this approach is the emphasis given to credit planning process with the involvement of gross root level functionaries from banks and Developmental agencies at block level. The Branch Managers/ village level workers of Developmental agencies have to conduct surveys in the entire village falling in their service area taking into consideration the infrastructure and market potential of the area. These grass root level functionaries interact through Block level Bankers’ Committee meetings thus paving way for compilation of realistic Service Area/ Non service area branch credit plan for each bank branch operating in a block. The Annual action plan/ District credit plan should be drawn up on the basis of updated village profile realistic projections.
The unit of planning as envisaged under Service Area Approach is “Village” and therefore, the credit plan has to start from the village and aggregated at grass-root level, i.e. first at branch-level, thereafter at block level and finally at district level. Thereafter the District Credit Plans submitted by the Lead Banks in the Districts to the SLBC Convenor are aggregated by the SLBC Convenor into Annual Credit Plan / Annual Action Plan.
 
   
Preparation of Annual Credit Plans:

The Branch Managers/ village level workers of Developmental agencies have to conduct surveys in the entire village falling in their service area taking into consideration the infrastructure and market potential of the area. These grass root level functionaries interact through Block level Bankers’ Committee meetings thus paving way for compilation of realistic service Area/ Non service area branch credit plan for each bank branch operating in a block. The Block credit plans compiled from the branch credit plan are put to deliberation/ approval in the District level consultative committee meetings. The credit plan has to start from the village and aggregated at grass-root level, i.e. first at branch-level, thereafter at block level and finally at district level.
 
   
Preparation of District Credit Plans:

District Credit Plans are simply aggregation of the Block Credit Plans of the blocks falling in a district. These aggregates are compiled, collated, reviewed and finalized in DCC meetings and given the final shape of annual District Credit Plans. The District Credit Plan represents the aggregation of block credit plans/ credit plans of all credit agencies operating in the district.
 
 
   
Annual Action Plan/ Annual Credit Plan:

These District Credit Plans, as per the Lead Bank Scheme, are approved at district level and forwarded by the Lead Banks of various districts in the State to the SLBC Convenor Bank of the State where these Plans are aggregated and compiled to form State Credit Plan/ Annual Action Plan. The Annual Action Plan is placed before the State Level Bankers’ Committee for information of all members.
 
   
Time Frame for preparation of Annual Credit Plans:

There is time frame for finalization of the district credit plans. As per this time frame bank branch falling in rural, semi-urban and urban areas have to initiate the process of preparation of Annual credit plan on 1st December and to complete it by 31st December every year. These credit plans in the format of Lead Bank Returns-I for rural, semi-urban/ urban branches having service allocations and LBR-UI for urban branches without any service Area – are to be submitted to the respective controlling offices by 31 Dec. The controlling offices have to convey their approval to the branches by 31st January of the next year so that the plans are placed in the respective Block Level Bankers’ Committees for their approval by the end of February. The approved Block Credit Plans are placed in the DCC meeting for discussion/ approval so that District Credit Plans are launched by 1st April.
 
 
   
The time frame for preparation of Annual credit plan/ District credit plan at glance:  
   

1. Supply of a Background papers by the Lead Banks to Branches.        15htDec.
2. Preparations of Branch credit plan by branches.                               31st Dec.
3. Approval of Branch credit plan by controlling office.                          31st Jan.
4. Finalization of Branch Credit plan at BLBC.                                      28th Feb.
5. Aggregation at block level.                                                             15th Mar.
6. Aggregation at district level.                                                           31st Mar.
7. Launching of district credit plan.                                                     1st April.

 
   
 
     
     
     
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Mr. Parvez Ahmed
Chairman & Chief Executive Officer
Convenor J&K SLBC
The Jammu & Kashmir Bank Ltd.
Corporate Headquarters
M.A Road Srinagar,
Jammu and Kashmir, India
Phone: 0194-2481900,

Fax:0194-2481902

Mr. Vagish Chander Sharma
Executive President,
Personnel & HRDD/ Trainings, Disciplinary Deptt, Management of Board Secretariat,
FSD/ Insurance, JKGB Management, Customer Care/ Compliance/ KYC/ AML, Lead Bank, FID/CSC.
Corporate Headquarters
M.A Road Srinagar,
Jammu and Kashmir, India

Telephone/ Fax: 0194-2502614/ 2502615
Ext. No: 1450, 1451
Cell No: 9479176977
Email: vc.sharma@jkbmail.com  

Mr. Rakesh Gandotra
Vice President,
Lead Bank Department, Financial Inclusion Department / Common Services Centre, Strategy & Business Development Division.
Corporate Headquarters
M.A Road Srinagar,
Jammu and Kashmir, India

Telephone/ Fax: 0194-2502639
Ext. No: 1139
Cell No: 9815922320/ 9810642320
Email: rakesh.gandotra@jkbmail.com  

SLBC Secretariat
J&K State Level Bankers' Committee (SLBC)
Corporate Headquarters
M.A Road Srinagar,
Jammu and Kashmir, India

Telephone/ Fax: 0194-2502639
Aircel: 8803004089, 8803004095
Ext. No/s: 1141 and 1142 
Email: convenorbank@jkbmail.com
 
 
 
 

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