The Reserve Bank of India (RBI) introduced a new scheme aimed at improving credit absorption and strengthening local planning for better fund flow into priority sectors. The central bank directed lenders to increase physical banking access in rural areas, especially in villages with populations above 5,000. State Level Bankers' Committees (SLBC) must update and share lists of unbanked centers. District forums will keep track of banking coverage and progress. To ease loan access for rural borrowers, banks are encouraged to use credit bureau checks, self declarations, CERSAI searches, and peer monitoring. The RBI warned against insisting on ‘no dues’ certificates, which often delay credit. Districts with credit-deposit ratios below 40%, particularly those under 20%, will face tougher monitoring. Special subcommittees will create action plans to increase credit flow in these areas. The RBI made bottom-up credit planning mandatory, using Block Credit Plans, District Credit Plans, and Annual Credit Plans with stricter timelines and better monitoring at district and state levels. Banks must also boost the role of Lead District Managers (LDMs) by providing dedicated officers with proper staff, IT systems, and infrastructure to improve financial inclusion and credit coordination.