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Banks to open at least 25% of new branches in unbanked areas: RBI

16 Jul 2011 Evaluate

With the intention of promoting financial inclusion and providing banking services to rural and remote areas, the Reserve Bank of India (RBI) has asked all the lenders, including private ones, to open one in every four of their new branches in unbanked areas. The RBI is aiming to meet the target of bringing identified 78,000 villages with the population above 2,000, under the banking system by the end of this financial year.

In communication to banks, RBI has advised banks that while preparing their Annual Branch Expansion Plan (ABEP), they should allocate at least 25% of the total number of branches proposed to be opened during a year in unbanked rural (Tier 5 and Tier 6) centers. An unbanked rural centre would mean a rural (Tier 5 and Tier 6) centre that does not have a brick and mortar structure of any scheduled commercial bank for customer based banking transactions.

RBI in its Monetary Policy Statement for 2011-12 had said that there is need to step up to the opening of branches in rural areas to increase the banking access to the poor across the country under the government's financial inclusion programme and meet the targets set out for providing banking services in villages with population over 2,000.

In return for opening branches in remote areas, banks will get authorization to open additional branches in Tier I and II towns with the population of 50,000 and above, the RBI noted. In view of the requirement for opening at least 25% of the branches under ABEP in unbanked rural centers, it would now not be mandatory to open at least one third of the total number of branches proposed to be opened in Tier 3 to Tier 6 centers in under banked districts of under banked States.

Accordingly, authorization for branches in Tier 1 and Tier 2 centres will now factor in whether at least 25% of the total number of branches to be opened during a year are proposed to be opened in unbanked rural centers in place of the requirement that at least a third of branches to be opened in Tier 3 to Tier 6 centers are in under-banked districts of under-banked States.

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Banks to open at least 25% of new branches in unbanked areas: RBI

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Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
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Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
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