Last month (June 2012), the process was refined further by advising all banks to prepare road maps covering all unbanked villages with population of less than 2000 with banking services especially to facilitate transfer of state benefits (EBT). 43. This is the long established carrot and stick policy.
As an incentive for their outreach, the Reserve Bank has indicated that banks will get licences for branches in urban/metropolitan centres (Tier 1) equal in number to the branches opened in underbanked  BIS central bankers’ speeches  7  districts of underbanked states.