Mohali (SAS Nagar) district ranked first in Punjab in achieving Annual Credit Plan (ACP) targets for FY 2025-26, as announced at the 80th District Consultative Committee (DCC) Meeting held at the District Administrative Complex. The DCC meeting, a statutory forum co-chaired by the District Collector and lead bank, reviewed credit flow, financial inclusion, and priority sector lending performance across all scheduled commercial banks operating in the district.

The Annual Credit Plan (ACP) is a district-level credit delivery framework formulated under the Lead Bank Scheme, introduced by RBI in 1969 on the recommendations of the Gadgil Committee. NABARD plays a central role in preparing Potential Linked Credit Plans (PLCPs), which form the foundation of ACPs. Each district's Lead Bank coordinates with all scheduled commercial banks, RRBs, and cooperative banks to set sector-wise credit targets — primarily for agriculture, MSME, and allied activities under Priority Sector Lending (PSL) norms.

Mohali topping Punjab's ACP achievement is significant for multiple reasons. First, it reflects ground-level execution of NABARD's credit planning architecture. Second, it validates the DCC mechanism as an accountability forum — DCC meetings are mandated quarterly and review parameters like KCC disbursement, SHG-bank linkage, crop loan recovery, and financial inclusion index scores. Third, for Punjab specifically — an agrarian state grappling with farm debt and stubble burning economics — strong credit plan achievement signals better formal credit access, reducing dependence on moneylenders.

For NABARD Grade A aspirants, this topic connects several static concepts: Lead Bank Scheme, PLCP methodology, DCC structure, PSL categories, and NABARD's supervisory role over RRBs and cooperative banks. Examiners often test whether candidates understand how credit planning translates into on-ground disbursement and what institutional mechanism ensures accountability.