Dehradun, September 24, 2026: Additional District Magistrate (Finance and Revenue) K.K. Mishra directed banks to accelerate loan disbursement under various government welfare schemes and ensure timely financial assistance to eligible beneficiaries. He emphasized that banks should not limit their operations to increasing deposits but must also play an active role in strengthening the district’s economic development.
The directions were issued during the quarterly meeting of the District Advisory Committee and District Level Review Committee held on Thursday to review banking schemes, financial inclusion, agriculture, industry, and self-employment initiatives in Dehradun district.
ADM Questions Low Credit-Deposit Ratios of Four Banks
During the meeting, the Additional District Magistrate conducted a detailed bank-wise review of credit-deposit (CD) ratios. He expressed strong displeasure over the CD ratios of four banks falling below the Reserve Bank of India’s 40% benchmark.
|
Bank |
CD Ratio |
|---|---|
|
State Bank of India (SBI) |
20.07% |
|
Punjab National Bank (PNB) |
34.91% |
|
Union Bank of India |
36.27% |
|
UCO Bank |
38.12% |
ADM K.K. Mishra directed banks showing low performance to prepare special action plans and bring about immediate improvement in loan investment. He stated that financial institutions must contribute actively to the district’s economic growth by expanding credit delivery alongside deposit mobilisation.
Focus on Organic Farming and Government Loan Schemes
The ADM stressed the need to simplify the loan disbursement process and promote schemes aimed at environmental protection and sustainable development.
He directed officials and bank representatives to ensure that eligible beneficiaries receive loans under government schemes within the stipulated timeframe, while pending cases should be resolved without unnecessary delay.
The meeting highlighted the need to promote organic farming in the priority sector and expedite implementation of the following schemes:
-
PM Employment Generation and Self-Employment schemes.
-
Veer Chandra Singh Garhwali Tourism Self-Employment Scheme.
-
Chief Minister Youth Entrepreneur Development Campaign.
-
PM Surya Ghar Muft Bijli Yojana.
-
One District One Product (ODOP).
-
National Rural Livelihoods Mission (NRLM).
-
Kisan Credit Card (KCC).
Crop Insurance and Digital Banking in Remote Areas
ADM Mishra directed officials to ensure crop insurance coverage for farmers and strengthen digital banking services in remote areas of the district.
He instructed banks to activate Bank Correspondents (BCs) immediately to improve banking access in underserved locations.
Regarding recovery certificates (RCs), the ADM directed officials to avoid unnecessary filing of RCs in individual cases. He clarified that RC applications should be made only in cases involving government dues, in accordance with the applicable provisions.
District’s CD Ratio Stands at 42.02%
Lead Bank Officer Sanjay Bhatia informed the meeting that the district’s overall credit-deposit ratio stood at 42.02% as of the quarter ending June 30, 2026. This represented a decline of 0.67 percentage points compared to the previous quarter.
The meeting reviewed banking performance and the implementation of financial inclusion, agricultural credit, and self-employment schemes across the district.
Officials Attend Review Meeting
The meeting was attended by RBI LDO Bharat Raj Anand, RSETI representative OP Panwar, Chief Manager R. Sharma, GM DIC Meena Bisht, ATO Heera Lal, and chief managers, regional branch managers, and district-level officers from various banks and departments
.
