LEH: Banks in Leh have been directed to step up credit delivery, improve priority-sector lending and expand financial inclusion after the Credit-Deposit (CD) Ratio stood at 46.05% as on June 30, 2026, against the prescribed benchmark of 60%.
The direction was issued by Deputy Commissioner Leh Romil Singh Donk, IAS, while chairing the District Level Review Committee (DLRC)/District Consultative Committee (DCC) meeting for the first quarter of FY 2026-27.
The meeting reviewed the performance of banks and progress in credit delivery, priority-sector lending, financial inclusion and social security schemes. It was convened by Lead District Manager Leh Phuntsog Angchok.
The Deputy Commissioner directed banks to improve the CD ratio and increase lending under priority sectors, particularly housing, renewable energy and education. He also called for timely disposal and disbursement of pending loan cases.
Banks were further asked to improve coverage under social security schemes, with particular emphasis on the Atal Pension Yojana (APY), and conduct targeted financial literacy camps focusing on credit linkage, government schemes, social security and digital financial awareness.
Donk stressed closer coordination between banks and line departments to ensure that banking services and institutional credit reach eligible beneficiaries effectively.
The meeting was attended by the ADDC Leh, Chief Planning Officer, LDO, AGM NABARD, senior government officials, heads of departments and representatives of banks and financial institutions.
During the meeting, Kifayat Hussain, Senior Manager, presented the work undertaken under the CFL Project and the financial literacy camps conducted during the first quarter of FY 2026-27 to promote financial literacy and financial inclusion.
The Deputy Commissioner called for structured and coordinated efforts involving banks and line departments to widen coverage under social security schemes and strengthen access to financial services.
The review assumes importance against the gap between Leh’s current CD ratio and the 60% benchmark, with the administration now seeking greater flow of credit towards priority sectors and eligible beneficiaries.
