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    <title>Banking facilities in rural areas</title>
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    <description>A GIS-based Jan Dhan Darshak app maps bank branches, Business Correspondents and ATMs to evaluate village coverage. The Branch Authorisation Policy permits domestic scheduled commercial banks to open outlets nationwide without prior approval, conditioned on allocating a portion of new outlets to unbanked rural centres. State Level Bankers&#039; Committees coordinate rollout with state governments and banks, which assess RBI instructions, commercial viability and conduct surveys before opening outlets. PMJDY organised villages into Sub-Service Areas, covered by branches and interoperable BCs to extend rural banking.</description>
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