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01 April ACRC Report activities aggregated VCPs allocated to nearby allocated villages Bank of India bank’s bankers and government based BCP BLBC Block Level Bankers Bombay Branch Credit Plan CB/RRB branches CBs and RRBs CCBs cent BMs compulsions of banking consolidated VCPs Controlling Ofﬁcer credit budget received Credit Plan BCP credit potential estimation Credit Review Committee Crop CROSS-SECTION STUDY DCPs District Credit Plans faith in SAA ﬁnancing ﬁnding ﬁrst government agencies Government of India government ofﬁcials group behavioural skills horticulture implement SAA issue Lead Bank Scheme Level Bankers Committee loan disbursement loan proposal monitoring past lending trends potential estimation methods potential estimation skills prepared VCPs procedures and compulsions proper potential estimation received from C0 Reserve Bank Rural Development SAA implementation Service Area Approach service area branches study revealed TABLE Total 50 tractor updated VPs VCPs and BCPs Village Credit Plans village proﬁles village-wise VP updation Vrllage