DCCs were constituted   in 1970s as a common forum at district level for bankers as well as Government agencies/departments towards coordination of activities     in implementing various schemes under Lead Bank Scheme.  The District Collector is the Chairman of the DCC meetings. Reserve Bank of India, NABARD, all the commercial banks in the district, co-operative banks including District Central Cooperative Bank (DCCB), RRBs, various State Government departments and allied agencies are the members of the DCC.  The Lead District Officer (LDO) represents the Reserve Bank as a member of the DCC.  The Lead District Manager convenes the DCC meetings. The Director of Micro Small and Medium Enterprises Development Institutes (MSME-DI) is an invitee in districts where MSME clusters are located to discuss issues concerning MSMEs.

1. DCC meeting should be convened by the lead banks at quarterly intervals.
2. At  the  DCC  level,  sub-committees  as  appropriate  may  be  set  up  to  work intensively on specific issues and submit reports to the DCC for its consideration.
3. DCC should give adequate feedback to the SLBC on various issues that needs to be discussed on a wider platform, so that these receive adequate attention at the State Level.

While all lead banks are expected to address the problems particular to the concerned districts, some of the important areas which are common to all districts which the lead banks should invariably discuss in the fora are as under:

1. monitoring mechanism to periodically assess and evaluate the progress made in achieving the road map to provide banking services within the prescribed time frame. Prepare district wise Financial Inclusion Plan (FIP) for the three year period in the format LBS-MIS-IV for a district.   The progress under FIP should be reviewed in the format LBS-MIS-V for quarterly submission to SLBC.


2. the specific issues inhibiting and enabling IT enabled financial inclusion


3. issues to facilitate 'enablers' and remove/minimise 'impeders' for banking development for inclusive growth


4. monitoring initiatives for providing 'Credit Plus' activities by banks and State Governments such as setting up of Financial Literacy   Centres (FLCs) and RSETI type Training Institutes for providing skills and capacity building to manage businesses.


5. scaling up financial literacy efforts to achieve financial inclusion.


6. review of performance of banks under District Credit Plan (DCP)


7. flow of credit to priority sector and weaker sections of the society


8. assistance under Government sponsored schemes


9. grant of educational loans


10. progress under SHG - bank linkage


11. SME financing & bottlenecks thereof, if any xii.   timely submission of data by banks


12. review of relief measures (in case of natural calamities wherever applicable)

The above list is illustrative and not exhaustive. The lead banks may include any other agenda item considered necessary.

As the effectiveness of the Lead Bank Scheme depends on the dynamism of the District Collectors and the Lead District Managers (LDMs), with supportive role of the Regional/Zonal Office, the office of LDM should be sufficiently strengthened with appropriate  infrastructural  support  being  the  focal  point  for  successful implementation of the Lead Bank Scheme. Officers of appropriate level and attitude should be  posted  as  LDMs.  Apart  from  the  usual  role  of  LDMs  like  convening meetings of the DCC/DLRC and periodical meetings of DDM/LDO/ Government officials for resolving outstanding issues etc., the new functions envisaged for LDMs include the following:

1. Drawing up and monitoring  the road map for banking penetration


2. Monitoring implementation of district credit plan


3. Associate with the setting up of Financial Literacy Centres (FLCs), RSETIs by banks


4. Associate with organizing financial literacy camps by FLCs and rural branches of banks.


5. Holding annual sensitisation workshops for banks and Government officials with participation by NGOs/Panchayati Raj Institutions (PRIs)


6. Arranging for quarterly awareness and feedback public meetings, grievance redressal etc.

The Lead District Manager should convene a quarterly public meeting at various locations in the district in coordination with the LDO of Reserve Bank, banks having presence in the area and other stakeholders to generate awareness of the various banking policies and regulations relating to the common person, obtain feedback from  the public and  provide grievance  redressal to  the  extent  possible  at  such meetings or facilitate approaching the appropriate machinery for such redressal.

DLRC meetings are Chaired by the District Collector and attended by members of the District Consultative Committee (DCC).   Besides above, public representatives i.e.  Local MPs/MLAs/ Zilla Parishad Chiefs    are also invited to these meetings. In DLRC meetings review of the programmes under Lead Bank Scheme is carried out by getting feedback  to know the pace and quality  of the implementation of various programmes in the district. Hence association of non officials is considered useful. Lead banks are required to ensure the presence of public representatives  in DLRC meetings as far as possible. Therefore, Lead banks should fix the date of DLRC meetings with due regard to the convenience of the representatives of the public i.e. MPs/MLAs etc. and invite and involve them in all functions conducted by the banks in the districts, such as opening of new branches, distribution of Kisan Credit Cards, SHG credit linkage programmes etc. Responses to queries from public representatives need to be accorded highest priority and attended to promptly. The follow up of DLRC’s decisions is required to be discussed in the DCC meetings.

1. DCC and DLRC are the important coordinating fora among commercial banks, Government agencies and others at district level to review and find solutions to the problems hindering the developmental activities. Therefore, it is necessary that all the members participate and deliberate in the above meetings. On a review of the DCC/DLRC meetings, it was observed that late receipt/non-receipt of intimation of the date of meetings, clash of dates with other events, commonality of dates etc. hinder participation of members in these meetings, thus undermining the prime objective of conducting the above meetings.


2. Lead banks have, therefore, been advised to  prepare annual schedule of DCC and DLRC meetings on Calendar year basis for all districts in consultation with the Chairperson of the meetings, lead district officer of RBI and Public Representatives in case of DLRC.  This yearly Calendar should be prepared in the beginning of each year and circulated to all members as advance intimation for blocking future dates to attend the DCC and DLRC meetings and the meetings should be conducted as per the calendar.  While preparing the Calendar,  it should be seen that DCC and DLRC meetings are not held simultaneously.