Our constant and consistent advice to banks has been that they should achieve a CDR of at least 60 per cent in respect of their rural and semi-urban branches and also that disparities across regions and states should be narrowed, if not eliminated.
The State Level Bankers Committee (SLBC) which I referred to earlier is mandated to review the flow of credit in each district with reference to the CDR and draw up a special, monitorable action plan for districts with CDR of less than 40%.