Addressing a conference for lead district managers of Maharashtra last week, the Deputy Governor said the aspect of design and development starts with the credit plans, according to a RBI release.The Lead Bank Scheme (LBS) was conceptualized in 1969 to coordinate the efforts of the credit institutions and the government. "Credit planning should adopt a bottom-up approach to convey the needs of the centres and then designing a plan best suited to address those," he said.It is also important to understand that, while the targets should strive to be aspirational in ideas, they should be realistic enough to translate into execution and reflect the local credit needs, the senior Reserve Bank official said. He further said that in this age of abundance of data and analytical models, a data-based empirical approach to designing of credit plan is essential. Such techniques provide the ease with which targeted strategies can be developed for intervention.

Banks need to use bottom-up approach, says RBI deputy guv

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{{magzter}} is the World's largest and fastest growing self-service, cross-platform digital newsstand with over 88 million users since its inception in 2011 and thousands of magazines and newspapers across 40+ categories and 60+ languages. Headquartered in New York, Magzter has its local presence in Amsterdam, London, Mexico City, Chennai, Mumbai, New Delhi, Bengaluru, Singapore, and will soon be expanding to other countries. Founded by global entrepreneurs, Girish Ramdas and Vijay Radhakrishnan in June 2011, Magzter enables magazine and newspaper publishers around the world to create and deliver digital editions of their titles to global consumers.