Big Change for Banks! 🏦 | RBI Releases New LBS Guidelines | 60% CD Ratio & Bottom-Up Plan

Описание: Big Change for Banks! 🏦 | RBI Releases New LBS Guidelines | 60% CD Ratio & Bottom-Up Plan
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Video Description
Introduction
The Reserve Bank of India (RBI) has announced a major overhaul of the Lead Bank Scheme (LBS) with its latest Draft Circular 2026. This "Big Change" introduces a mandatory 60% Credit-Deposit (CD) Ratio for rural branches and shifts the entire credit planning process to a "Bottom-Up" approach. In this video, we decode exactly what these new guidelines mean for the banking sector and how they will impact your exams.

Target Exams
🎯 RBI Grade B (Phase 1 & 2)
🎯 NABARD Grade A
🎯 UPSC CSE (GS-3 Economy)
🎯 IBPS PO & SBI PO (General Awareness)
🎯 SSC CGL (Economy Section)

What is Covered
✅ The "Big Change": Why RBI is revamping the 57-year-old Lead Bank Scheme now.
✅ 60% CD Ratio Rule: Understanding the new non-negotiable benchmark to stop the siphoning of rural funds.
✅ Bottom-Up Planning: How credit targets will now be set based on local block-wise potential (Apple vs. Fisheries example).
✅ New Powers: The enhanced role of the Lead District Manager (LDM) and SLBC to flag infrastructure issues.
✅ Static GK Refresher: Gadgil Committee, Nariman Committee, and the history of LBS (1969).

Conclusion
This draft circular is a potential goldmine for objective and descriptive questions in upcoming exams. Watch the full video to master the new LBS guidelines and stay ahead of the competition.

Hashtags
#RBI #LeadBankScheme #BankingAwareness #RBIGradeB #UPSC #Economy #RuralDevelopment #FinancialInclusion #CurrentAffairs2026 #IBPSPO #StudySmart #ChandrahasSir #BankingNews #CDRatio
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