Lending/deposit in the banks is a commercial decision which is regulated by the banks as per their Board driven policies in line with various guidelines of Reserve Bank of India (RBI). Government has recently notified a deposit scheme viz, Sukanya Samriddhi Account Yojana 2014 through banks.

 RBI has advised banks to achieve a credit deposit ratio of 60% in respect of their rural and semi-urban branches separately on an all-India basis. The Banks should also ensure that wide disparity in the ratios between different States/Regions is avoided in order to minimize regional imbalance in credit deployment.

 RBI has advised Banks to set up a Special Sub-committee (SSC) of District Level Consultative Committee (DLCC) for those districts having Credit Deposit Ratio (CDR) less than 40% to draw up Monitorable Action Plans (MAPs), monitor such action plan on a regular basis and initiate necessary action for improving CDR.

 This was stated by Shri Jayant Sinha, Minister of State in the Ministry of Finance in written reply to a question in Lok Sabha today.