CCP504 (B)

DEPARTMENT OF TECHNICAL EDUCATION
ANDHRA PRADESH
Name : MAJOR K.SIVA KUMAR
Designation : Head of Section
Branch :Commercial and Computer Practice
Institute : Government Polytechnic, Srikakulam
Year/Semester : V semester
Subject : Banking
Subject code : CCP 504(B)
Topic : Lead Banks and Merchant Banking
Duration : 50mts
Sub topic : Lead Bank Scheme – present status of
lead bank scheme
Teaching Aids : PPT, Animation
CCP504(B).77 1
Present Status of Lead Bank Scheme
Objectives
On completion of this Topic, you would be able to :
 Understand the implementation of Lead Bank

Scheme.
CCP504(B).77 2
Recap
 Several problems were faced by Lead Banks in the

initial Stage to implement the lead bank scheme.
 They are not properly equipped to conduct the

surveys in the district.
CCP504(B).77 3
Recap
 Lead Banks have no authority over the other

departments to get any information.
 Only Banking facilities are not enough to develop
the district.
 The Government has to provide infrastructural
facilities also to develop the district.
CCP504(B).77 4
Questions for the Students
1. Say any one difficulty in implementing Lead Bank

Scheme.
3. Why Banks have faced difficulties in

implementing the Scheme ?
CCP504(B).77 5
Implementation of Lead Bank Scheme
 By 1973-74, the Lead Banks have completed their

surveys in 380 districts in the country.
 Some developmental schemes had been drawn up for
specific action on experimental basis.
CCP504(B).77 6
The Lead Banks have also constituted District Level

consultative committees to help in identifying bankable
schemes.
 These committees also help to evolve methods for
exchanging information about borrowers to lend priority
sectors etc.
Reserve Bank of India had set up a High Power
Committee (HPC) in March 1976 to watch the progress
of the lead bank scheme.
CCP504(B).77 7
 On the advice of the HPC, each Lead Bank has to

formulate District Credit Plans (DCPs) for a period
of 3 years.
 It has to prepare an Annual Action Plan (AAP) in

December every year.
 These plans would synchronize more or less with 5

year plans of the Government.
CCP504(B).77 8
 At the end of March,2002,the lead Bank scheme

covered 580 districts of the country.
 All the public sector Banks are actively involved in

the implementation of lead Banks scheme.
 The main focus of the lead Bank scheme is to

enhance the proportion of Bank Finance to the
priority sector.
CCP504(B).77 9
 The district Credit plans are to be comprehensive in

nature
 It should indicate credit targets for institutional
credit agencies in the district.
 The targets should be fixed on a Block-wise Sector-

wise, Scheme-wise and Bank-wise basis.
CCP504(B).77 10
Summary
 By 1973-74, lead banks completed their surveys in

380 districts
 On the basis of these surveys, development

schemes were devised
CCP504(B).77 11
Summary
 District level consultative committees were set up with all

the commercial Banks, other financial institutions and
government Officials in the districts.
 These committees help in exchanging information about

borrowers etc.
 High power Committee set up by RBI in 1976.
CCP504(B).77 12
Summary
 This committee recommended District Credit Plans

and Annual Action Plans to be formulated by Lead
Banks.
 These plans are helpful in fixing the targets for

various financial institutions in the district.
 These targets were based on Block-wise, Bank-wise,

Sector-wise etc.
CCP504(B).77 13
Quiz
1. District Credit Plans were formulated for a
period of
c. 3 years
d. 2 years
e. One year
f. None
CCP504(B).77 14
Quiz
1. Annual Action Plans were formulated
• Every Year
• 2 Years
• 5 Years
• 6 Year
CCP504(B).77 15
Quiz
1. Which Committees were set up Lead Banks ?
• District Co-operative Banks.

• District Level Consultative Committees
• Legal committees
• None
CCP504(B).77 16
Quiz
1. District Credit Plans are
a. Comprehensive
b. Intensive
c. Exclusive
d. None
CCP504(B).77 17

CCP504 (B)

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DEPARTMENT OF TECHNICAL EDUCATION

On completion of this Topic, you would be able to :

 Understand the implementation of Lead Bank

 Several problems were faced by Lead Banks in the

 They are not properly equipped to conduct the

 Lead Banks have no authority over the other

1. Say any one difficulty in implementing Lead Bank

3. Why Banks have faced difficulties in

 By 1973-74, the Lead Banks have completed their

 Some developmental schemes had been drawn up for

specific action on experimental basis.

The Lead Banks have also constituted District Level

 On the advice of the HPC, each Lead Bank has to

 It has to prepare an Annual Action Plan (AAP) in

 These plans would synchronize more or less with 5

 At the end of March,2002,the lead Bank scheme

 All the public sector Banks are actively involved in

 The main focus of the lead Bank scheme is to

 The district Credit plans are to be comprehensive in

 The targets should be fixed on a Block-wise Sector-

 By 1973-74, lead banks completed their surveys in

 On the basis of these surveys, development

 District level consultative committees were set up with all

 These committees help in exchanging information about

 High power Committee set up by RBI in 1976.

 This committee recommended District Credit Plans

 These plans are helpful in fixing the targets for

 These targets were based on Block-wise, Bank-wise,

1. Annual Action Plans were formulated

• District Co-operative Banks.

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