Dr Bilal directs Priority Sector Lending, Self Employment
Anantnag : A District Level Review Committee (DLRC) meeting to review the performance of the banking sector in Anantnag district for the quarter ending December 2025 (Q3 FY 2025–26) was held Wednesday under the chairmanship of District Development Commissioner, Dr. Bilal Mohiud Din Bhat at Dak BunglalowKhanabal.
The meeting was attended by ADDC, GM DIC, CPO, CAO, CAHO, DD Fisheries, AD Employment, 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.
Presenting a comprehensive review, Lead District Manager (LDM), Mohammad Shafi Bhat, informed the chair that the total deposits in the district as of December 31, 2025 stood at ₹9083.54 crore, while advances amounted to ₹7207.54 crore, resulting in a Credit-Deposit (CD) ratio of 79.34%.
Under the District Credit Plan (DCP) 2025–26, the banking sector disbursed ₹2488.21 crore under the priority sector against a target of ₹3676.11 crore, thereby achieving 68% of the allotted yearly target as on 31-12-2025. Non-priority sector lending stood at ₹1610.25 crore against the target of ₹2025.74 crore, thereby achieving 79% of the allotted target as on 31-12-2025.
Further, the total credit disbursed in the district was ₹4098.47 crore, registering 72% achievement of the overall credit target for the half year ending 31-12-2025.
During the meeting, the DDC reviewed the performance of banks for the Quarter-3 (2025-26) in detail. He said special emphasis on improving the Credit–Deposit (CD) Ratio and enhancing credit flow to priority sectors, particularly agriculture.
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 term loans and 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 and agricultural credit facilities. Need for better coordination between banks and line departments to ensure effective implementation of schemes and improved credit delivery was highlighted.
Dr. Bilal also reviewed progress under government-sponsored schemes like Svanidhi, Mudra, PMJJBY, PMSBY, APY, PMEGP, JDY, among others. He directed the banks and concerned departments to ensure effective implementation of these schemes.
Officers from Agriculture and allied sectors were directed to set subdivision and zone wise targets for enrollment of eligible beneficiaries under various schemes with special emphasis on KCC and HADP.
It was informed that against 2449 sanctioned cases under Mission YUVA, loans to the tune of Rs. 13456.80 Lakh have been disbursed in favour of 2136 cases so far.
Further, as a joint initiative of RBI and NABARD, five Centres for Financial Literacy are functional in the district which focus on Social Security Schemes, Women Empowerment, Digital Banking and Self Employment Schemes and have achieved 8747 linkages.
The meeting concluded with directions to all banks to improve lending performance, strengthen financial inclusion initiatives, and work closely with line departments for the development of the district’s economy.
