DC Kohima B Henok Buchem chairing the DCC & DLSC meeting held in Kohima on June 25. (DIPR Photo)
KOHIMA, JUNE 26 (MExN): The District Consultative Committee (DCC) and District Level Security Committee (DLSC) meeting for the quarter ended March 2026 was held at the Conference Hall of the Deputy Commissioner’s Office, Kohima on June 25, under the chairmanship of the Deputy Commissioner, Kohima.
The meeting of the District Consultative Committee (DCC) and District Level Security Committee (DLSC) reviewed banking performance, credit flow, government schemes and security measures in the district.
The Deputy Commissioner reviewed the performance of banks and stated that the objective of the meeting was coordination and resolution of issues rather than fault-finding. He encouraged stakeholders to share challenges for collective improvement in banking services.
The minutes of the previous DCC and DLSC meeting held on March 10, 2026 were confirmed and adopted.
During the review of the Credit Deposit Ratio (CDR), it was reported that Kohima district recorded 29.47 per cent. The Deputy Commissioner noted that 15 banks recorded below 40 per cent CDR in the previous quarter and sought explanations on constraints in improving credit flow. Banks were urged to enhance lending performance in the district.
IDBI Bank, which reported CDR above 40 per cent, informed the meeting that it had expanded lending to villages, Self Help Groups (SHGs), food processing units, contractors and increased home loan coverage. The bank also informed that it had opened an additional branch and was working to increase advances.
Under the Annual Credit Plan (ACP) 2025–26 as on March 31, 2026, achievement in agriculture stood at 37.91 per cent, MSME at 130.57 per cent, other priority sectors at 23.64 per cent, and overall priority sector lending at 83.10 per cent.
The district presently has 55 bank branches, 97 ATMs and 169 Business Correspondents/Customer Service Points.
Under SHG financing, 30 groups were linked to savings accounts and 31 groups were credit-linked during the quarter. Yearly credit linkage stood at 113 groups, while current year linkage stood at 107 groups.
Under the Kisan Credit Card (KCC) scheme, 335 cards were issued with total disbursement of ₹889.65 lakh.
Reviewing government-sponsored schemes, the meeting noted that under PM SVANidhi, 312 applications were sanctioned, 153 disbursed and 69 rejected. Under PMFME, 67 applications were sanctioned, 71 rejected and six pending. Under PM Vishwakarma, 80 applications were sanctioned and 85 rejected.
Under PM Surya Ghar: Muft Bijli Yojana, six cases were sanctioned involving ₹11.34 lakh. The Deputy Commissioner called for wider promotion of the scheme, noting the need to reduce electricity subsidy burden and improve public participation.
The meeting also reviewed Social Security Schemes and noted that 199 Financial Literacy Camps were conducted across the district between April 1, 2025 and March 31, 2026.
Credit outstanding and Non-Performing Assets (NPAs) across agriculture, MSME, export credit, education, housing, social infrastructure and renewable energy sectors were also reviewed. Total NPA under Priority Sector Lending stood at 6.10 per cent, while Non-Priority Sector Lending NPA stood at 0.70 per cent.
During the DLSC meeting, security arrangements for banks were discussed. The Additional Superintendent of Police highlighted manpower constraints and informed that around 20 banks are being covered with limited personnel. Banks were advised to report security lapses promptly.
The Deputy Commissioner directed all banks to ensure installation and maintenance of CCTV systems with a minimum backup of 90 days recording.
The meeting also discussed the NABARD Potential Linked Credit Plan (PLP) for FY 2027–28. NABARD officials informed that the PLP exercise, initiated in 1988, has completed 38 years and continues to serve as a district-level credit planning tool to assess sectoral credit potential and strengthen institutional credit flow to priority sectors.
