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 Deputy Commissioner, Kohima.

Addressing the meeting, the Deputy Commissioner reviewed the performance of banks in the district and stated that the purpose of the meeting 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 issues 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), it was reported that Kohima district recorded a CDR of 29.47 per cent. The Deputy Commissioner noted that 15 banks in the district had secured less than 40 per cent CDR during the previous quarter and sought explanations from the concerned banks regarding the constraints faced in achieving the target. The banks were encouraged to improve their performance and enhance credit flow in the district.

Sharing its experience in achieving a CDR above 40 per cent, IDBI Bank informed the meeting that it had expanded lending to villages, Self Help Groups (SHGs), food processing units and contractors, while also increasing home loan coverage within the district. The bank further informed that an additional branch had been opened and efforts were being made to extend more advances.

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Reviewing the performance under the Annual Credit Plan (ACP) 2025-26 as on March 31, 2026, the meeting noted that achievement under the agriculture sector stood at 37.91 per cent, while the MSME sector recorded 130.57 per cent achievement. Under other priority sectors, achievement stood at 23.64 per cent, while overall achievement under the total priority sector was 83.10 per cent.

The meeting was informed that Kohima 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, while yearly credit linkage stood at 113 groups and current year credit linkage at 107 groups. Under the Kisan Credit Card (KCC) scheme, 335 cards were issued with a total disbursement of Rs. 889.65 lakh.

Reviewing the progress of 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 were sanctioned involving an amount of Rs. 11.34 lakh. The Deputy Commissioner stressed the need to promote the scheme, observing that the Government incurs substantial expenditure on electricity while only a portion of the revenue is recovered. He urged banks and departments concerned to encourage greater public participation in the scheme.

The meeting also reviewed the implementation of Social Security Schemes and noted that a total of 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, MSME, 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 District Level Security Committee meeting, security arrangements for banks in the district were discussed. Additional Superintendent of Police highlighted the challenges posed by manpower shortages and informed that security requirements of around 20 banks were being attended to with limited personnel. Banks were advised to promptly report any security lapses.

Expressing concern over surveillance infrastructure in banks, the Deputy Commissioner directed all banks to ensure installation and maintenance of 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.