Bareilly: District Magistrate Avinash Singh chaired a meeting of the District-Level Coordination Committee and District-Level Review Committee at the Collectorate Auditorium to assess the performance of banks and review the implementation of various government-sponsored schemes aimed at promoting entrepreneurship, employment generation, and financial inclusion.
During the meeting, the District Magistrate reviewed the progress of the Chief Minister’s Youth Entrepreneur Development Campaign (Mukhyamantri Yuva Udyami Vikas Abhiyan) and evaluated the performance of banks in achieving scheme targets. According to the review, Central Bank of India emerged as the best-performing bank, while Axis Bank recorded the weakest performance. The District Magistrate directed all banks to ensure timely achievement of targets under government welfare and employment-generation programmes.
Concern Over Low Credit-Deposit Ratio
Officials informed the meeting that Bareilly district’s Credit-Deposit (CD) Ratio currently stands at 70.77 percent. However, 13 banks were found to have CD ratios below 60 percent, with IDBI Bank recording the lowest ratio among them. The District Magistrate emphasized the need for banks to improve credit flow and strengthen financial support to productive sectors.
Review of Agriculture and Livelihood Schemes
The meeting also reviewed the Agriculture Infrastructure Fund Scheme, under which loans are provided for cold storage facilities, farm development projects, mushroom cultivation, and other agricultural infrastructure. Progress under the Integrated Grievance Redressal System (IGRS) and training activities conducted by the Rural Self-Employment Training Institute (RSETI) were also assessed.
Officials reported that against a target of 1,000 trainees, 215 individuals have already received training under RSETI programmes aimed at promoting self-employment and entrepreneurship.
National Rural Livelihood Mission Exceeds Targets
Under the National Rural Livelihood Mission (NRLM), the district surpassed its target for providing Cash Credit Limit (CCL) facilities to Self-Help Groups (SHGs). Against a target of 3,960 SHGs, credit facilities were extended to 3,980 groups, achieving 100.50 percent of the target.
The District Magistrate stressed that opening bank accounts for Self-Help Groups remains a government priority and directed banks to ensure there are no hurdles in the process. Against a target of opening 3,167 SHG accounts during 2025–26, 935 accounts have been opened so far.
Strong Performance Under Employment Schemes
Under the Chief Minister’s Youth Self-Employment Scheme, proposals worth ₹1,494.59 lakh in margin money were forwarded against a target of ₹495.50 lakh during 2025–26. Of these, proposals worth ₹542.57 lakh were approved, while ₹533.58 lakh was disbursed.
Officials also informed the meeting that annual targets under the Prime Minister’s Employment Generation Programme (PMEGP) for 2024–25 had been achieved and adjusted.
One District One Product Records Significant Achievement
Under the One District One Product (ODOP) Scheme, proposals amounting to ₹1,721.93 lakh in margin money were forwarded against a target of ₹378 lakh. Of these, proposals worth ₹807.96 lakh were approved, while ₹794.41 lakh was disbursed, resulting in an achievement rate of 210.16 percent of the target.
Similarly, under the Chief Minister’s Youth Entrepreneur Development Campaign, 5,648 applications were forwarded against a target of 2,700, while 2,745 applications were approved and 2,754 beneficiaries received financial assistance.
Progress Under Khadi and Village Industries Programmes
The meeting also reviewed schemes implemented through the Khadi and Village Industries Board. Under the Matikala Scheme, 12 applications were forwarded against a target of four, with seven approved and disbursed.
Under the Chief Minister’s Village Industries Employment Scheme, 39 applications were forwarded against a target of 14. Of these, 17 were approved and 14 were disbursed, while nine cases remain pending at the bank level.
The meeting was attended by Chief Development Officer Devyani, the Lead Bank Manager, representatives of the Reserve Bank of India and National Bank for Agriculture and Rural Development, along with bankers and officials from various departments.
The review meeting underscored the district administration’s focus on strengthening credit delivery, improving implementation of welfare schemes, and accelerating entrepreneurship-led economic development in Bareilly district.
Reported by Akhilesh Chandra Saxena, Bareilly.
