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Lead Bank Scheme Guidelines 2026
June 28 , 2026
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- The Reserve Bank of India (RBI) issued revised Lead Bank Scheme guidelines on 19 June 2026 through an official circular, replacing earlier instructions.
- The Lead Bank Scheme is a district-level banking coordination system for credit planning and financial inclusion in India.
- Each district is assigned one lead bank, and the revised framework mandates a dedicated Lead District Manager with staff and infrastructure support.
- The system operates through a three-tier structure: Block Level Bankers’ Committees (BLBC), District Consultative Committees (DCC), and State Level Bankers’ Committees (SLBC).
- The RBI retained the 60% Credit-Deposit (CD) ratio benchmark for rural and semi-urban branches and strengthened its focus on Agriculture and Micro, Small and Medium Enterprises (MSME).
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