Kohima DCC reviewed bank performance, security measures, credit flow and government schemes during its quarterly meeting.
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DIMAPUR — The District Consultative Committee (DCC) and District Level Security Committee (DLSC) meeting for the quarter ended March 2026 was held at the deputy commissioner's conference hall, Kohima, on June 25 under the chairmanship of Deputy Commissioner B Henok Buchem.
Addressing the meeting, Buchem reviewed the performance of banks in the district and said the objective was not to find fault but to collaborate, understand challenges, support one another and ensure that banking services effectively benefit customers. He encouraged all stakeholders to share their views and concerns for collective resolution.
The house confirmed and adopted the minutes of the previous DCC and DLSC meeting held on March 10, 2026.
During the review of the Credit-Deposit Ratio (CDR), Kohima district recorded a CDR of 29.47 per cent.
The deputy commissioner noted that 15 banks had recorded less than 40 per cent CDR in the previous quarter and sought explanations from the concerned banks on the constraints faced in achieving the target.
Banks were encouraged to improve their performance and enhance credit flow in the district.
Sharing its experience, IDBI Bank informed the meeting that it had achieved a CDR above 40 per cent by expanding lending to villages, self-help groups (SHGs), food processing units and contractors, besides increasing home loan coverage within the district.
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The bank also stated that it had opened an additional branch and was making efforts to extend more advances.
Reviewing the performance under the Annual Credit Plan (ACP) 2025-26 as on March 31, 2026, the meeting noted that achievement in the agriculture sector stood at 37.91 per cent, while the MSME sector recorded 130.57 per cent. Achievement under other priority sectors stood at 23.64 per cent, taking the overall achievement under the total priority sector to 83.10 per cent.
The meeting was informed that Kohima district currently 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.
The yearly credit linkage stood at 113 groups, while current-year credit linkage was recorded at 107 groups. Under the Kisan Credit Card (KCC) scheme, 335 cards were issued with a total disbursement of INR 889.65 lakh.
Reviewing government-sponsored schemes as on March 31, 2026, 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 remained pending.
Under PM Vishwakarma, 80 applications were sanctioned, while 85 were rejected.
With regard to PM Surya Ghar: Muft Bijli Yojana, six cases involving INR 11.34 lakh were sanctioned.
Buchem stressed the need to promote the scheme, noting that the government incurs substantial expenditure on electricity while recovering only a portion of the revenue.
He urged banks and concerned departments to encourage greater public participation.
The meeting also reviewed the implementation of 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) under agriculture, MSMEs, export credit, education, housing, social infrastructure, renewable energy and other sectors were also reviewed. The total NPA under Priority Sector Lending stood at 6.10 per cent, while NPA under Non-Priority Sector Lending was reported at 0.70 per cent.
During the DLSC meeting, security arrangements for banks in the district were discussed. The Additional Superintendent of Police highlighted manpower shortages and informed that security requirements of around 20 banks were being managed with limited personnel. Banks were advised to promptly report any security lapses.
Expressing concern over surveillance infrastructure, the deputy commissioner directed all banks to install and maintain CCTV systems with a minimum recording backup of 90 days.
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 an important district-level credit planning tool.
The plan assesses the credit potential of various sectors and provides a roadmap for increasing institutional credit flow to agriculture, allied activities, MSMEs and other priority sectors to support rural development and economic growth.