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Corporate Laws Central Ministry of Finance Reserve Bank of India Act, 1934

Master Circular - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs)

16-Jun-2025 | RBI/2025-26/56 FIDD.CO.GSSD.BC.No.07/09.09.001/2025-26

Reserve Bank of India has issued the Master Circular - Credit facilities to Scheduled Castes (SCs) & Scheduled Tribes (STs), effective from 16th June 2025.

Key highlights are:
1. The Reserve Bank of India has, from time to time, issued a number of guidelines/instructions to banks on credit facilities to Scheduled Castes (SCs) & Scheduled
Tribes (STs). This Master Circular consolidates the circulars issued by the Reserve Bank on the subject till date, as listed in the Appendix.
2. Banks will have to establish closer liaison with the District Industries Centres, which have been set up in different districts for promoting self-employment.
3. Banks should periodically review their lending procedures and policies to see that loans are sanctioned in time, are adequate and production-oriented and that they generate incremental income to make them self-liquidating.
4. Banks should review the measures taken to enhance the flow of credit to SC/ST borrowers on a quarterly basis.

For detailed information, please refer to the attached document.

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