<h1>Credit deposit ratio targets require banks to raise rural and semi urban CDR and form district committees for low CDR areas.</h1> The Reserve Bank directs banks to target a 60% Credit Deposit Ratio for rural and semi urban branches nationwide, to avoid wide inter regional disparities, and mandates that districts with CDR below 40% convene a Special Sub committee of the District Level Consultative Committee to prepare, monitor and implement Monitorable Action Plans to improve credit deployment; banks' lending and deposit activity remains governed by board policies and RBI guidelines, and the Sukanya Samriddhi Account Yojana has been notified for operation through banks.