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    <title>Reaching the Unreached – Ensuring Last Mile Connectivity of Banking Services (Keynote Address by Shri Swaminathan J, Deputy Governor, Reserve Bank of India - September 20, 2024 - at the Conference of Lead District Managers and District Development Managers in Hubballi)</title>
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    <description>The address directs LDMs, DDMs and LDOs to pursue a data-driven, bottom-up credit planning process under the Lead Bank Scheme by preparing comprehensive district profiles, leveraging PLPs to set realistic yet aspirational Annual Credit Plan targets, and prioritising credit access for MSMEs, SHGs, small and marginal farmers and women entrepreneurs while strengthening financial and digital literacy through FLCs and CFLs to deepen access, usage and quality of financial services.</description>
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